Where the Presidential Candidates Stand on Student- Loan Debt

Where the Presidential Candidates Stand on Student- Loan DebIf you have student loans, there are likely a few areas you would like the next president to fix. Most Americans are looking for more refinancing opportunities and tax breaks for their student loans, as well as tuition free community colleges.
If student loan debt is one of your top issues on the ballot this year, here is what you need to know about the candidates’ proposals for dealing with the growing student loan crisis.

Pros and Cons of an Online Education

Despite significant coverage of online education in recent years, finding a balanced perspective can be remarkably difficult since conversations tend to be highly partisan. Online schooling is either presented as the inevitable and awesome educational wave of the future or talked about as a cheap facsimile of the traditional classroom experience.
For potential students trying to make a decision about their own educational journeys, this can be confusing and even distressing. You certainly don’t want to choose the wrong path for yourself, so how can you know if an online degree program is the right option for you?Here is a list of Pros and Cons to help you make an informed decision.
Pros on Online Education
You have tons of flexibility. Online learning has opened up educational opportunities for people who might not have had them before, whether due to geography, family responsibilities, even being differently abled. With online education, no matter where you live, as long as you have a computer and reliable internet connection, you have options.
Not only that, but you have the convenience of deciding when and where you engage in your online classes. Though there will likely be deadlines for assignments and exams, and you man encounter some live lectures and scheduled group discussions (or hangouts for group projects), with online education, you can generally work through the course material at your leisure. You can also long in and access course work and lectures at virtually any time, which are handy for reviewing the materials for exams.
You have tons of options too. You’ll find practically any type of degree you’d want offered online: associate, bachelors, masters, certificates, and even doctorates. Though there aren’t as many online as in-person college choices, you can still conduct a college search to find the online program that fits your needs, including whether you want a hybrid (online and in-person) or an entirely online program.
The cost is generally lower. No matter what online college program you attend, you will almost certainly save money on room, board, or commuting costs. (Just keep in mind that even some predominantly online programs have an in-person component, such as one weekend on campus a month, which may require you to pay for travel and lodging.)
Online programs tend to be cheaper than their in-person counterparts as well, since colleges can save money on overhead costs. However, this isn’t always the case. You may find little or no difference in tuition costs between a college’s online/hybrid and in-person programs, especially as online education becomes more mainstream (which is good for online ed’s reputation but potentially bad for cost savings).
You can complete the program faster. Going through an online college degree program on your own, you may be able to finish more quickly than in a traditional program. This can be especially helpful to students who want to use online programs to complete a degree, since they may be able to take only the classes they need to graduate, rather than general education. It also puts you into the workforce much sooner.
You will be working with a driven group of peers. It takes a lot of dedication, determination, and drive to earn a college degree online, so although attrition rates still seem to be higher among online classes, the students who do stick with them are the kind of people you want in your professional network.
You will get better at writing and communicating in general. When most or all of your interactions take place online, it’s communicate well or bust. You will be judged primarily on your writing abilities, so you will learn to put forth your best work and clearly articulate your meaning.
Online class discussions are a unique and democratized experience. In an online class, you will almost certainly have to participate in discussions- often for credit. So if a fear of public speaking has held you back in the past, you may enjoy the ability to type out your responses and review them before you post. And when everyone is required to participate, you can read and learn from all of your classmates’ thoughts. Finally, it’s’ harder for one or a few people to dominate the conversation when everyone is required to speak.
Cons of an online education
You need to be highly motivated and self-directed. The freedom that makes online education such a blessing for some can be a burden for others. If you struggle with procrastination and time management – or with school in general, like many students do – it can be hard to get through your online course work on your own.
Sure, traditional college programs require a hefty dose of time-management skills too, but because online courses are primarily self-directed, you need that much more motivation and self-discipline. You’ll get all the same lectures, readings, essays, homework, and group projects as an in-person class, but you’ll be expected to work your way through it largely on your own.
Self- discipline is also a finite resource, and it takes a lot of it to carve out time to watch lectures and work on projects, particularly if you are letting them into the end of a busy day or workweek. And, obviously, the more responsibilities you have to juggle, the harder the balancing act becomes.
You’ll have limited face time with professors and peers. Even though your online college professors might hold digital “office hours”, you still may find it difficult to engage with them, whether you have questions about the material or are looking for some professional advice or mentoring. Professors are also much more “hands off” in teaching online classes, so if you’re looking for extra help or one-on-one time with them, you’re going to get very little (if any) of it.
As for you peers, forget about old-fashioned socializing. You’ll be relegated to chat rooms and online hangouts. Opportunities for study groups and networking after class are hard to come by too. Again, it’s not impossible, but it’s definitely going to take extra effort, like organizing a meet-up in a central location.
You lose the campus experience. No study sessions in the library. No joining campus clubs and gaining extracurricular experience. No running to the academic or career center for help. No college computer labs with their plethora of fancy (and expensive) software. No hitting up a frat party on the weekend. Your house is your lecture hall, and your neighborhood is your campus. Again, this might be part of the appeal of earning your degree online. But if you think you’ll regret missing the on-campus experience, especially if you’re coming straight from high school, you may want to reconsider attending an online program.
You need to have the right technology. You need a fast, reliable, and up-to-date computer and internet connection. Most online schools will post the technology recommended- or required- to take their courses. If you don’t have it, you’ll need to get it, which can be an extra financial burden. And depending on the online school and their IT services, you may not have much support if you need help.
Your peers and professors may not be as good at communicating as you would like. Online learning is probable a new undertaking for your peers and perhaps eve your professor, so you may need to be patient with them when your online-only interactions are not quite as fast/helpful/friendly/easy to understand as you would like.
You may encounter misconceptions about online education. The reputation of online education has been steadily improving, especially as more and more “traditional” schools like UNC Chapel Hill, Taxes A&M, and University of Florida get in on the online education game.
Still, a lot of people think of online education as easier and less reputable than an in-person education. That’s simply not the case. To be sure, there are some lower-caliber online degree programs out there- and that’s not including scam “schools” or diploma mills. But online education programs vary in their selectivity and rigor just like brick-and-mortar schools do. And their course work is just as challenging as it would be in person, if not more so, given the self-discipline required to complete an online degree.
You need to beware of online education scams. Though the government and law enforcement and cracking down on diploma mills and other online degree scams, they’re still out there, preying on students. Red flags included a guaranteed degree, guaranteed scholarships, lack of accreditation, super-short programs (we’re talking a couple months or even weeks), and virtually nonexistent admission requirements. Basically, if it sounds too good to be true, it is.
This is also why it is so important to conduct a thorough college search, regardless of whether you want to get an online or in-person college education. This means you should know the overall reputation of the school and your intended major; its student outcomes like job placement, student debt, and graduation rate; and how its mission and values jibe with your own.
Your major might not be covered (or covered well) online.  Not all majors are available online, and even among those that are, some work better in a virtual setting than others. If you’re interested in a more hands-on major, like those in the health profession, you may be better served by an in-person degree program.