Student Loan

Write as a freshman in college style and for the sources use the one from last week which you can find at the bottom

This week, you will submit the final draft of your informative paper.

This 4 paragraph paper explores a controversial topic in an informative style. This means that the writer must present an equal amount of information for both points of view related to the topic without providing personal thought or opinion. Provide factual information from credible sources to highlight each side. Your paper must include:

● Introduction (1 paragraph) ● Body (2–3 paragraphs) Remember to use APA-style formatted in-text

citations throughout your paper. ● Conclusion (1 paragraph) ● Reference list written in APA style format, in which you list a minimum of 4

total resources

Informative Paper full instructions

Download Informative Paper full instructions

See the rubric for specific grading criteria.

Resource: Use the Grammarly tool to catch and correct mistakes in your writing assignments.

Points: 75 Due Sunday, 11:59 p.m. (Pacific time)

Rubric Informative Paper Final

Criteria Ratings Pts

This criterion is linked to a Learning Outcome

Content/Organi zation

30 to >26.7 ptsExceeds ExpectationsThe writer demonstrates an exemplary understanding of the topic and the writing process. The paper is well-organized and clear, with relevant detail. All requirements of the paper as described by the instructor are met.

26.7 to >23.7 ptsMeets ExpectationsThe writer demonstrates an acceptable understanding of the topic and the writing process. The paper is mostly well-organized and clear. All requirements of the paper as described by the instructor are met.

23.7 to >21.6 ptsApproaches ExpectationsThe writer demonstrates a basic understanding of the topic and the writing process. The paper may lack organization and clarity. Most requirements of the paper as described by the instructor are met.

21.6 to >0 ptsDoes Not Meet ExpectationsThe writer does not demonstrate an understanding of the topic and the writing process. The paper lacks organization and clarity. The requirements of the paper as described by the instructor are not met.

30 pts

This criterion is linked to a Learning Outcome

Style/Language

22.5 to >20.02 ptsExceeds ExpectationsThe writer employs an appropriate writing style that is consistent throughout. The text does not suffer from errors in word choice. The paper includes a strong introduction and a strong conclusion.

20.02 to >17.78 ptsMeets ExpectationsThe writer employs an appropriate writing style. The text includes few errors in word choice. The paper includes an introduction and a conclusion.

17.78 to >16.2 ptsApproaches ExpectationsThe text includes several errors in word choice and may lack an introduction and/or a conclusion.

16.2 to >0 ptsDoes Not Meet ExpectationsThe text lacks stylistic quality.

22.5 pts

This criterion is linked to a Learning Outcome

Sentence Structure and Mechanics

15 to >13.35 ptsExceeds ExpectationsThe writer makes minimal (if any) errors in grammar, spelling, punctuation, and/or sentence structure.

13.35 to >11.85 ptsMeets ExpectationsThe writer makes some errors in grammar, spelling, punctuation, and/or sentence structure.

11.85 to >10.8 ptsApproaches ExpectationsThe writer makes numerous errors in grammar, spelling, punctuation, and/or sentence structure.

10.8 to >0 ptsDoes Not Meet ExpectationsThe writer makes significant errors in grammar, spelling, punctuation, and/or sentence structure.

15 pts

This criterion is linked to a Learning Outcome

Format and Crediting Sources

7.5 to >6.68 ptsExceeds ExpectationsThe writer makes minimal (if any) errors in APA style format, citations, or references.

6.68 to >5.93 ptsMeets ExpectationsThe writer makes some errors in APA style format, citations, or references.

5.93 to >5.4 ptsApproaches ExpectationsThe writer makes numerous errors in APA style format, citations, or references.

5.4 to >0 ptsDoes Not Meet ExpectationsThe writer makes significant errors in APA style format, citations, or references.

7.5 pts

Total Points: 75

Outline Should the U.S. government forgive federal student loan debt for low-income borrowers?

I. Introduction

a. Hook: Student loan debt has emerged as one of the most urgent financial

problems in the United States, with millions of borrowers, especially low-income earners,

being impacted.

b. Thesis statement: The discussion on whether the government of the United States

should cancel federal student loan debt of low-income borrowers is an important issue

that revolves around the possible gain of financial relief, economic stimulation, and

decreased inequality, and the issue of fairness, augmented national debt, and the inability

to manage the escalating tuition expenses.

II. Body Paragraph 1 (Arguments in Favor of Loan Forgiveness)

a. Topic Sentence: A key argument supporting student loan forgiveness is that it

would relieve many low-income borrowers of a big burden.

I. Supporting detail 1: Loan forgiveness would ease the financial burden and

enable the borrower to handle fundamental needs like housing and healthcare

(Greene et al., 2021).

II. Supporting detail 2: It can contribute to economic stimulation since more

people would spend their disposable income (Dinerstein et al., 2025).

III. Supporting detail 3: forgiveness would reduce inequality, as it would

support people who were already financially weak before going to

college.(Jabbari et al., 2023).

III. Body Paragraph 2 (Arguments Against Loan Forgiveness)

a. Topic Sentence: Conversely, opponents claim that forgiving student loans raises

economic and fairness issues.

I. Supporting detail 1: There are those who think that forgiveness is

inappropriate to those who already repaid their debts or those who did not decide

to go to college (Shermer, 2021).

II. Supporting detail 2: It can increase the national debt and place a tax

burden to the taxpayers (Shermer, 2021).

III. Supporting detail 3: Critics also state that forgiveness fails to deal with the

cause of increasing tuition costs (Looney, 2022)

IV. Conclusion

a. Transition: In general, the discussion of student loan forgiveness is associated

with certain significant advantages and considerable issues.

b. Re-statement of thesis: Although forgiving federal student loan debt among

low-income students may alleviate financial strain and decrease inequality, it also

brings up concerns regarding fairness and the economic consequences of the

practice.

References

Dinerstein, M., Earnest, S., Koustas, D. K., & Yannelis, C. (2025). Student loan

forgiveness (No. w33462). National Bureau of Economic Research. DOI

10.3386/w33462

Greene, E. M., Greene, W. N., & Greene, W. L. (2021). Addressing the burden of student

loan debt: A case-based review of influencing considerations. American Journal of

Health-System Pharmacy, 78(24), 2216-2224. https://doi.org/10.1093/ajhp/zxab260

Jabbari, J., Roll, S., Despard, M., & Hamilton, L. (2023). Student debt forgiveness and

economic stability, social mobility, and quality-of-life decisions: results from a survey

experiment. Socius, 9, 23780231231196778. https://doi.org/10.1177/23780231231196778

Looney, A. (2022). Student loan forgiveness is regressive whether measured by income,

education, or wealth. Hutchins Center Working Papers.

Shermer, E. T. (2021, September). Why massive forgiveness won’t solve the student-debt

crisis. In New Labor Forum (Vol. 30, No. 3, pp. 88-98). Sage CA: Los Angeles, CA:

SAGE Publications. https://doi.org/10.1177/10957960211036039