I’m taking this class just a few days after the release of the news that Biden’s administration is going to forgive millions of federal student loans, this is happening and I’ve seen a lot of different opinions on social media. But I haven’t seen any debate though.
Introduction
Welcome to Advanced Debates and Discussions
Politely contributing to conversations
Some civility, please
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Roleplay I - Trouble at the airport
Quiz: Politely contributing to conversations
Describing a situation
I would've done my homework but for...
Every problem has a solution
Practice session
Cohesive devices I - Linking words for describing a situation
Roleplay II - You see what happened was...
Quiz: Describing a situation
Adding critical information
Present participles
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Passive participles
You know, a whatchamacallit
Cohesive Devices II - Linking words for adding critical information
Quiz: Adding critical information
Developing complex arguments
Justifying your perspective
Cohesive Devices III - Linking words for developing complex arguments
Debate
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Conclusion
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Debate
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Thanks Teacher!!
Education is the engine of society. If young people can have access to education, they’ll become professionals with a brighter future and, **not only** **will** **they** have more possibilities to get a decent job, **but they also** will be capable to contribute their knowledge and skills to society to help it become better and better. **Moreover**, the illiteracy rates would decrease and the quality of life of society would **definitely** improve.
Despite these benefits, many young people don’t have access to education and it’s because of money. More parents **would’ve** **paid** the education of their children, **but for** the high prices of universities. **Due to this**, forgiving students loans is a proposal that should be considered.
**Undoubtedly**, education is a primary right. **That is to say**, that every person should be able to study regardless of money. That’s why the students loans have **concerned** many individuals and organizations around the world, and the possibility of forgiving them has been raised.
This debate seeks to invite various organizations from around the world to **resolve** this situation, and find a way to expand education to more people.
**As a result,** we hope that the cost of education will no longer be an impediment for the majority of young people when making the decision to study a profession.
Even when forgiving student loans would be a great relief, it could be a very big shock to the market. In other words, lending institutions would have a downturn in their finances, theoretically, they would have to declare bankruptcy. In addition, the economy needs to maintain its cycle so that the world does not sink economically or worse. Due to this, payment facilities can be provided or alternatives can be created such as finding free money for college by taking advantage of grants and scholarships.
**Let me add something here**. Certainly, it is very unfair that your education is affected by your social class, yet I believe educational institutions should wisely choose who is truly deserving of loan forgiveness. In other words, students who have remarkable grades and showcase the best aptitudes should be forgiven. In addition, accessing high-quality education programs must change and involve various initiatives, being that are no longer available for everyone.
* Sorry to interrupt you, but I believe education is a right and therefore, it should always be free.
* People who think that student loans must always be paid obviously didn't study with them.
* Being that thousands of students spend decades paying their loans, government should forgive these loans.
* I believe the purpose of studying is building together a better society. However people and entities usually abuse of students in terms of hight credit rates, which make it almost impossible for students to pay their loans.
I had to study my Bachelors degree and my MBA with students loan, honestly, the interest rate was to high, compared with others loans. Definetily, I think that this situation represent a big problem for a lot of people, that couldn´t pay the loans fee with their salary.
Students loans.
- Students having been helped with loans, we are starting our lifes, and in many ocasions we don't have the encouraged of our relatives, by the sale token I honestly belive that being helped with the loans is pretty good.
Personally, I think that institutions could forgive student loans for those students with high grades. In other words, if you are an excellent student, you could receive a reward, but it needs to be controlled as all institutions need money to keep functioning. Being a good student certainly has its advantages.
Im sorry to interrupt, but I agree with defend the rights of students. Honestly, there are a lot of countries that not have free education, furthermore, the universities are extremly expensive, for example Estados Unidos, Chile, Japon, etc. The people evidently cant pay high quantities of money. In other words, being poor, not allow to you have access to education. Whereas being rich is over easy. Realistically, I am totally agree in that the institutions should forgive students loans.
Starting with arguments in favor of forgiving student loans, it is important to recognize that the burden of student debt can have long-lasting negative effects on individuals and society. Many students are forced to delay major life milestones such as buying a home, starting a family, or pursuing entrepreneurship due to the financial strain of their loans. By forgiving these debts, we can alleviate this burden and provide individuals with the opportunity to invest in their futures and contribute positively to the economy.
Furthermore, forgiving student loans can help address social and economic inequalities. Student debt disproportionately affects low-income individuals and communities, widening the wealth gap and hindering upward mobility. Forgiveness would provide relief to those who may not have had access to higher education without incurring significant debt. By leveling the playing field, we create a fairer society where everyone has an equal chance to succeed.
Additionally, forgiving student loans can stimulate economic growth. Many borrowers are trapped in a cycle of debt repayment, which limits their ability to contribute to the economy through spending and investing. By eliminating or reducing this financial burden, individuals would have more disposable income, which could lead to increased consumer spending, entrepreneurship, and innovation.
On the other hand, there are valid arguments against forgiving student loans. Critics argue that forgiving these debts would create moral hazard, as it could incentivize future students to borrow irresponsibly, knowing that their debts might be forgiven eventually. This viewpoint emphasizes personal responsibility and the need for individuals to consider the consequences of their financial decisions.
Moreover, opponents of student loan forgiveness argue that it could place an unfair burden on taxpayers. Forgiving student loans would require a substantial amount of public funds, which could be seen as unfair to those who have already paid off their own debts or did not have the opportunity to attend college. Some argue that these resources could be better allocated to other areas, such as improving the affordability of higher education or investing in infrastructure.
Lastly, critics contend that forgiving student loans might lead to unintended consequences, such as an increase in tuition costs. If colleges and universities know that loans are likely to be forgiven, they might be incentivized to raise tuition fees, further exacerbating the issue of affordability in the long run.
In conclusion, the debate on whether institutions should forgive student loans is multifaceted and nuanced. Supporters argue that forgiveness can relieve financial burdens, address inequalities, and stimulate the economy. Opponents stress personal responsibility, potential unfairness to taxpayers, and the risk of unintended consequences. It is essential that we weigh these arguments carefully and consider alternative solutions that strike a balance between addressing student debt and maintaining accountability.
The countries have the duty to incentive the people to study. In my opinion, a very good way to do this is forgiven student loans. In Colombian, for example, if you don't access to a public institution of higher education and you wanna study, you have to register in a private institution of higher education. In this type of institution, the price of the registration is sometimes 5 or 20 times more expensive. For this reason, student decide to use loans to study and when they finish their career, they have a big debt. So think who is going to want to study knowing this?.
I think this must be reviewed carefully. In a country like Colombia, which suffers from significant inequality, we should promote that institutions forgive student loans, especially for people in vulnerable conditions, such as those from rural areas, ethnic minorities, and those living in poverty. However, if someone has the means to pay, they should definitely repay the loan, and the funds recovered should be directed to finance more students.
does the institutions should forgive student loans?
Being that the economy is ever a complex situation, not only for the students but for the institutions too, I propose one idea more equilibrated.
It is to have a deep knowledge of each student case, it is to say, succeed career, incomes, patrimony, spendings, etc. Due to this, the institutions can to determine which students are more prompt to be forgiven. Honestly I know that it is not easy to get done, but would be a good solution. Obviously the institutions would need the help from the state for cover all this spenses In other words the government must to help economically to this program, as a result students with economic difficulties would can be freedom from the loan and the institution would can to continue their services.
### Argument in Favor of Student Loan Forgiveness
The topic of student loan forgiveness has sparked widespread debate globally. As the costs of higher education continue to rise, many students find themselves trapped in a cycle of debt that can last for decades. Arguing in favor of forgiving these loans is not only rooted in compassion for those affected but also in the consideration of the economic and social benefits it could bring to society as a whole.
**Firstly, student loan forgiveness can stimulate the economy.** When individuals are burdened by debt, their spending capacity is severely limited. Releasing this financial burden would allow graduates to invest in goods and services, purchase homes, and contribute to economic growth. According to various studies, every dollar of student debt forgiven could translate into a significant increase in consumption, benefiting multiple industries and, in turn, generating employment.
**Moreover, student loan forgiveness promotes social equity.** Many students come from disadvantaged socioeconomic backgrounds and face significant barriers to accessing higher education. By forgiving debts, the playing field can be leveled, allowing more individuals, regardless of their background, the opportunity to achieve their educational and professional goals. This not only benefits individuals but also enriches diversity and innovation in the workforce.
**On the other hand, it is crucial to consider the emotional and psychological burden that student debt imposes on graduates.** The anxiety and stress associated with loan repayment can affect individuals' mental health and overall well-being. Forgiving these loans could alleviate this weight, enabling graduates to focus on their careers and contribute positively to society, rather than being trapped in a cycle of financial worry.
**However, it is important to address concerns regarding fairness in loan forgiveness.** Some critics argue that forgiveness could disproportionately benefit those who already have higher levels of education. To counter this criticism, a targeted approach could be implemented, prioritizing forgiveness for those with lower incomes or for individuals working in public service sectors, such as education or healthcare, where the need is greater.
In conclusion, student loan forgiveness is not only an act of social justice but could also have significant positive impacts on the economy and the mental health of graduates. By alleviating the burden of debt, we can foster a more equitable society and stimulate economic growth, ultimately benefiting everyone.
### **Debate rules and guidelines**
#### **Rule #1: Be courteous and polite**
* Always be respectful, even when you disagree with someone else's opinion.
#### **Rule #2: Structure your entries**
* Each of your responses should include at least three of the following elements:
1. A polite interruption or request (e.g., "Excuse me, but may I add something?")
2. Any of the linking words from this course (e.g., "Furthermore," "In addition," "However")
3. Commenting or viewpoint adverbs (e.g., "Honestly," "Clearly," "Undoubtedly")
4. The use of "being" or a passive participle (e.g., "Being a student myself, I understand...")
5. Appropriate signaling words to guide the reader (e.g., "First," "Second," "Finally")
#### **Rule #3: Engage with other participants**
* Pay attention to what others are saying in the debate.
* Respond to at least two other participants' entries to keep the discussion interactive.
Before you move on I’d like to add something. I agree with forgive students loans . Personally i had contact with young people in the USA , and some of them had huge loans to pay, being a debt almost for life. In other words , it is an act of compassion, considering that it is an institution that needs profits. Ideallystically, the knowlegement need to be free, but it is not. As a result, this can be a great step for students, to start his life with no debts.
Sincerely, I’d like to add something, the loans are print money that produce a debt before any organization, in other words the government doesn’t produce nothing and unique warranty is that people or citizens will pay off this debt throughout of taxes for a long term, so in the same token, I personally make a project to support a teens for middle school until they would start the university, surely, their parents must pay off a part of loan meanwhile the students are in school when they start the university, so the government supports them with another part (Obviously, it is a big part) for complete the loans. Now, If the students finished with a great notes the part of government lend, it would be forgive, but if the students didn’t finish or their notes were low, so the debt would be to pay off until 30%, that is, for instance: if government gives 70%, so the student would pays off until 30% and it would forgive until 40% for this case. Remember, the government must budget this type of spend every year and it should have a limit of students.
The situation of political unrest in Guatemala has shown the weaknesses of Biden's administration.
The coherence and alignment of Guatemala regarding the interests of the United States of America respond to some of the following remarks:
1. Increasing influence of both China and Russia via the dictatorship of Nicaragua.
2. Social unrest in what is called the Northern Triangle (Guatemala, El Salvador and Honduras), condition that triggers consecutive waves of migrants towards the United States.
3. Guatemala, since the late 40's, has been an unconditional ally of Israel.
4. The present elected president of Guatemala studied at Israel.
Certainly, for people who owe big quantities of money the fact that institutions or the government decide to forgive loans, is good news. However, in my opinion that is something that could be resolved if institutions would have prices according to each student can pay, for instance in Colombia some institutions apply that model so the money the students to pay per semester is based on the income of the tutors or the person who is going to pay for their education. Definitely that could be a solution and a win-win for both students and institutions, being the price of the studies according to the income of students and institutions, being that each student afford the price of the studies from their own pockets relieves families and the students, and they can focus on their careers and moreover the institution is still earning money
This topic is interesting as it is complex because we are discussing the close relationship that capitalism has built between education and money. Personally, I'm afraid I have to disagree with the fact that knowledge is no longer available for everyone, your social class shouldn´t determine your access to a high-quality education. Education should be for everyone, and governments should finance our futures with taxes and well-extruturated educational programs. That being said, I´m all in with freeing the youth of their student loans, life should not be about paying infinities debts.
Forgiving student loans can provide relief to many graduates burdened by debt, enabling them to pursue their goals and contribute to economic recovery. In addition, it can also promote higher education and a skilled workforce. For example, many students would have a better financial education after this. By eliminating student loans we can expect students to reach their goals without the specter of student loans looming over them.
Morover , being aware of economic implications is essential. Given the problem of COVID 19 pandemic, many have been affected economically, and forgiving student loans would give a relief to many people.
Furthermore, is is important to consider that education is a very good investment in the future. If sutendt loans forgiveness is implemented, it can be an incentive to people to pursue higher education without worrying about debt.
Undoubtedly institutions should forgive students high performance loans, definitely anyone who wants to learn, deserves the chance, even their economic situation. Being that many of the mexican student have to work, it’s very common to quit school because of their culture, familiar economy, etc. As a result all the governments should boost education at all levels, whereas that having good education will have a positive impact on all social development.
Around the world, many individuals and organizations have argued that institutions should forgive student loans.
Before you move on, let me interrupt you for a moment. Education is certainly the most important social mobility tool for low and medium-class people. In other words, if you as the Congress promote private universities to forgive student loans, you’ll allow more and better students to get grades in even elite schools.
By the same token, In my opinion, scholarships must be increased. Certainly, If I hadn’t gotten CONACYT’s support, I would’ve not had the opportunity to move from Monterrey to Mexico City and get a Master’s degree in CIDE.
Nevertheless, we have to take into consideration that, being private universities are in fact businesses, the public sector must offer enough public education with the highest coverage and quality.
Being that Monterrey’s Mayor shared He wouldn’t be a source of division in the opposition, moreover, declaring their children were young and they needed it, he did not want to be the party candidate. In contrast, the Governor has told publicly that our country needs a young president, with new ideas, a fresh image, and a futurist vision of the country. In other words, both of them are young candidates and have young children, however, they also have different conclusions about that.
Being finished this course, we should give to you thank´s you for all the information, furthermore your the incredible behavior
To start with, I am going to give some reasons why institutions should forgive studen loans, in other words, make stutend’s life easier, as it is already hard.
Firstly I would like to mention the situation in which some young students are, and that situation is, not being able to afford to go to university (having a great level of intelligence) and for that reason, they have to work hard and look for a job which helps them pay the loans. Everyone in this world should be given the chance of going to university.
Furthemore, goverments should provide help for this kind of people who can not afford education.
Education is the most powerful weapon that a society has, so goverments must invest in it.
On the other hand, if I have to mention arguments against insititutions forgiving loans, I have to say that, obviosuly, It is a point to bear in mind that a lot of people will waste these oppotunities, making goverments to fail in this situation, so it seems that if someone really wants to study and get a form in any area, they must deserve it and work hard.
Personally I think students loans are very important cause lots o people that they want a specific career sometimes it’s expensive in other word not everyone has the necessary money of starting the career they like, then being that student’s loans are necessary to get through the school
I believe that it is a great initiative that should to continue go ahead because more than useful it is necesarry, the interest in the loans is heavy, and if we have in count that many people in each country no count with the possibility of pay their career in one cout this idea it became in a good option if we landed to the reality, this can be one transcendental decision for all the humanity because we would form a people that have all their life a moral debt with the world.
*Having been cleared that this possibility is a pros and not a cons we can say that we pointed out to a good future, because for have a good “after” is very important take good decisions “just now”
*In conclusion, to me have been exciting able to be here, I’m very grateful with each person that as I, came here to this discussion, and I hope that all the comments facts here can to be listened for the ears of manys and that also can to be been in count for take decisions in relation with this topic so important for alls.
I happily recommend this course!
Thanks teacher Chris.
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