course paper

Hector Rodriguez

IND301 Milestone 3 Template

            •           Thesis statement:  

The US government should have more financial aid as student loans and rising cost of college are affecting the individual in different aspects: professional development, financial burden, healthcare and ultimately the nationwide economy.

            •           Annotated bibliography:

Source 1 (not required to be in APA format, but must include author, date, title, and a link):

1. Akers, Beth, Princeton University Press. 2016. The Rhetoric and Reality of Student Debt, 50-60, 85-100, https://eds-a-ebscohost-com.vlib.excelsior.edu/eds/detail/detail?vid=1&sid=4ffa11b8-44a3-42bf-97ba-714caab3d579%40sdc-v-sessmgr02&bdata=JnNpdGU9ZWRzLWxpdmUmc2NvcGU9c2l0ZQ%3d%3d#AN=1223451&db=nlebk

This article highlights the consequences that exist between the individual and their student loans, and how these contribute  to their economic sustenance and contributions to the national economy. We can name a lot of second and third effects that can come from just having student loans, from symptoms of stress that can affect the promotion of the critical thinking to the earliest of decisions in one’s personal professional life that can subsequently affect series of decisions originally produced by the root reason, financial burden.

2. Tran Alisia, (2018). Student loan debt, debt stress, and racially/ethnically diverse college students’ perceived health.http://dx.doi.org.vlib.excelsior.edu/10.1037/cdp0000207 

This article highlights the consequences that exist between the student and financial stress caused by student loans, and how these contribute to one’s mental health, physical health, and how ethnicity also plays a role. As a Hispanic, I find it hard to believe that ethnicity /nationality is factored into student loans, but due given the evidence presented by the author, I can appreciate a perspective I had not considered before. The impact is demonstrated by the varying ways ethic groups respond to stress. These responses will fluctuate depending on your nationality or ethnic group. Furthermore, the author presents how much they are going to endure these consequences, as a result of a negative feedback loop that can be traced back to predatory student loan habits.

3. Barlow, T.J (2018). Forever in Debt: The Effects of Debt-Funded Education o Racial Disparities.

In this source we can appreciate some of the consequences of having large amount of student loans and examples presented in previous sources mentioned as financial issues and the components that can cause the student to reach this state can be more fully appreciated. The way in which these are presented, is based on studies in different colleges which opens the diversity of students. Also, as racial disparities it plays an important role that consequently influences and helps the student's financial status and the increase with its effects.

            •           One source to omit and why:  

Barlow, T. J. (2018). Forever in Debt: The Effects of Debt-Funded Education on Racial Disparities. Intuition: The BYU Undergraduate Journal in Psychology, 13(3), 1.

Taking in consideration the instructions I have chosen this to omit this source since I haven’t been able to find it again in the Excelsior library. There are other sources that are informative and easily accessible.

            •           Reflection:  

This process has proven  a difficult task for me, that is,  to find or create a very concise and informative thesis. I find the topic is a very interesting one and with plenty of sources to use. I struggled with summarizing all sources to a concise statement since there is so much information within. It is hard to determine which one is the most valuable or useful source, but I will have to say Akers, Beth, Princeton University Press. 2016. The Rhetoric and Reality of Student Debt, 50-60, 85-100, https://eds-a-ebscohost-com.vlib.excelsior.edu/eds/detail/detail?vid=1&sid=4ffa11b8-44a3-42bf-97ba-714caab3d579%40sdc-v-sessmgr02&bdata=JnNpdGU9ZWRzLWxpdmUmc2NvcGU9c2l0ZQ%3d%3d#AN=1223451&db=nlebk which is my source one above in my annotated bibliography.  For me, this article was easy to follow the author’s arguments. I will re-visit my list of sources and anticipate that I will most likely change most of them during the course to the final product, since I will continue to research and find more effective and informative sources in accordance with my thesis. It been hard for me to find a very specific source, but I’m working hard and dedicating time for it. Will my thesis change? Absolutely it will. I will continue to refine my thesis, by reading evidence that both supports and disproves it while also working on my ability to present a concise and logical arguments in support of my thesis.