Pressure Intensifies On Obama Over Deportations

Obama is still gazing 'into the Mouth of Hell' – National Policy & Issues | Examiner.com

Republicans appear to believe they can simply defer action until 2015. But at that point, the GOP presidential primary will be underway, and its not hard to see presidential hopeful Ted Cruz demagoguing the heck out of the issue, setting in motion an anti-amnesty sludgefest. That could make it harder for more sensible GOP candidates to discuss serious reform and harder for Congressional Republicans to act. Plus, the current Senate bill will have expired. Action next year would also require a new Senate bill, voted on by folks like Marco Rubio, who may also be running for president and is already looking to get right with conservatives. In short, theres a realrisk that it could onlybecome harderfor Republicans to act next year, not easier, meaning that if they dont act by this summer, they could be heading into another presidential election without having fixedtheir problem with Latinos. <br>Source: <a href='http://www.washingtonpost.com/blogs/plum-line/wp/2014/04/04/pressure-intensifies-on-obama-over-deportations/&#039; >http://www.washingtonpost.com/blogs/plum-line/wp/2014/04/04/pressure-intensifies-on-obama-over-deportations/</a&gt;

+ reset John Owens, confirmed Monday to the Ninth Circuit, along with Edward Smith and Gerald McHugh, who confirmed to the district court for the Eastern District of Pennsylvania last week, put them over the top. ( PHOTOS: The art of George W. Bush ) Over the course of his presidency so far, Obama has nominated 301 judges and gotten 237 confirmed. By this point in his presidency, Bush had nominated 267 judges and had 234 of them confirmed. As of April 4, Obama has gotten 44 circuit court judges and 191 district court judges confirmed. <br>Source: <a href='http://www.politico.com/story/2014/04/barack-obama-george-w-bush-judge-confirmations-105388.html&#039; >http://www.politico.com/story/2014/04/barack-obama-george-w-bush-judge-confirmations-105388.html</a&gt;

We're experiencing a few technical issues. Try again By submitting you agree to our Terms of Service Your Take contributions have not been reviewed for accuracy by USA TODAY. Contributors agree to our Terms of Service and are responsible for the content of their videos and photos. Please report any content that violates the terms. This story is part of Barack Obama David Jackson, USA TODAY 6:44 a.m. <br>Source: <a href='http://www.usatoday.com/story/theoval/2014/04/03/obama-biden-winter-olympics-russia-ukraine/7243353/&#039; >http://www.usatoday.com/story/theoval/2014/04/03/obama-biden-winter-olympics-russia-ukraine/7243353/</a&gt;

<img src='http://media.salon.com/2012/12/obama.jpeg3-1280×960.jpg&#039; />

Obama's day: Congress and the Olympics

"The long Obamacare winter is finally over"? Because a man who has told lie after lie about this law claimed that he had not only reached, but surpassed, his projected goal? Are the Oliphants suddenly oblivious to revelations made since, such as a RAND Corporation study that reveals that barely 858,000 previously uninsured Americans have paid for new policies?" When Obama glibly and haughtily boasts "There are still no death panels , Armageddon has not arrived," it's likely that he himself recognizes the foolhardiness of that claim. If death panels are going to become a reality and there's as much reason as ever to assume that they might they wouldn't materialize this early in the process. The law officially became a reality for all Americans six months ago, when the first enrollment period read began. <br>Source: <a href='http://www.examiner.com/article/obama-is-still-gazing-into-the-mouth-of-hell&#039; >http://www.examiner.com/article/obama-is-still-gazing-into-the-mouth-of-hell</a&gt;

Canadian Is Hero Of U.s. Book On Trading: Roseman

“Of course I think it should be regulated,” Kashkari said Monday on ” Squawk Box .” “The idea that trading on nanoseconds or microseconds is benefiting the American consumer, the American economy? I don’t buy it.” Kashkari was referring to the “flash crash” of May 2010 when the Dow lost 1,000 points and regained them in 20 minutes, a move largely attributed to traders using powerful algorithmic software and high-speed cables. Kashkari, a Republican who headed global equities at Pimco, told CNBC he doesn’t think such practices can destabilize the markets, but that they don’t add any value to the financial system. Read More 3 Years Later: Learning to Live With Flash Crashes His comments come as financial journalist Michael Lewis caused a stir in the trading community Sunday night. During an interview on CBS’ “60 Minutes,” Lewis called the stock market “rigged” by a combination of investment firms, exchanges and high-speed traders.
Source: http://www.cnbc.com/id/101538618

FBI to probe high-frequency stock trading

From exchanges to brokers to professional traders, incumbents were challenged and a new breed of technologically savvy market participants gained serious market share. OUR VIEW: High-frequency trading corrupts markets The availability of real-time market data and electronic order placement has democratized the markets, freeing them of the exchange floors’ geographical restrictions. Professional traders, many leveraging high-frequency trading, use technology to generate fair prices, accurately control risk, and scale more efficiently than past professional traders. The average investor does not compete with professional traders. They are in the same market, but like all markets where consumers benefit from the competition of professional intermediaries, they have different objectives, skill sets and needs.
Source: http://www.usatoday.com/story/opinion/2014/04/01/electronic-tradingbenefits-investors/7179723/

SEC needs bigger budget to police trading, chair says

HKEx is increasingly positioning itself to be the gateway to China for foreign investors, so connectivity to HKFE certainly has broad appeal to our global customer base. Robbie McDonnell, VP Managing Director of Asia Pacific for TT, commented, The addition of HKFE further strengthens our Asian derivatives offering and gives us a foothold as we continue to expand our presence in Asia, especially within China. Eight of the top 15 derivatives exchanges in the world are based in the Asia-Pacific region, and we will continue to make it an important priority as we expand our global market connectivity. The response from our customers has been overwhelmingly positive. In fact, many are already asking us how they can gain access to the new connection. TT customers will be their website able to enter and manage trades on HKFE using TTs full suite of products, including X_TRADER, the ADL visual programming platform for automated trading, and the TT API and FIX Adapter API solutions. In addition, customers using TTs Autospreader tool will be able to execute through TTs Strategy Engine (SE) execution servers, which minimize execution latency via proximity-based computing and co-location.
Source: http://markets.financialcontent.com/stocks/news/read/26842268/Trading_Technologies_to_Offer_High

Regulators hope to determine whether ordinary investors are at an unfair disadvantage to high-speed traders, who rapidly dart in and out of trades to earn fractions of a penny that add up to big profits over time. In the last year, the SEC started subscribing to the same proprietary data trading feeds that the high-speed traders use, hoping to better understand how the markets are functioning. White told lawmakers the SEC has not yet reached any conclusions on what, if any, new rules might be needed. “Our approach at the SEC…is to be data-driven and disciplined to determine where high-frequency traders fit into the range of market quality issues,” she said.
Source: http://www.reuters.com/article/2014/04/01/us-congress-sec-highspeed-idUSBREA301RC20140401?feedType=RSS

Trading Technologies to Offer High-performance Link to HKEx’s Futures Exchange

The high-frequency traders look for a price mismatch or a permanent price movement driven by fundamentals such as a data release or world event. Using speed as the ultimate advantage, the firms buy or sell the stock in question before anyone else. In essence, because of their speed advantage, the traders can perfectly time highs and lows in the market on a microscopic scale. The process works because of volume — while the net of each trade might be minuscule,execute that trade a million times and the cash adds up. A 2013 study estimated that these firms earn $0.43 for every $10,000 traded.
Source: http://www.fool.com/investing/general/2014/04/01/the-dow-is-tk-as-high-frequency-trading-comes-out.aspx

Lewis is angry about the spread of high-speed trading to U.S. stock markets. He thinks it can be a predatory practice that cheats investors out of money they should be earning on their trades. The Federal Bureau of Investigation in the United States has been looking into the practices of high-frequency trading firms for about a year, according to news reports. The Wall Street Journal reported Tuesday that investigators were examining the practice of placing a group of trades and then cancelling them to create the false appearance of market activity .
Source: http://www.thestar.com/business/personal_finance/2014/04/01/canadian_is_hero_of_us_book_on_trading_roseman.html

A law enforcement official says the investigation actually began last year. Because it is a highly technical and complex probe it will likely take months. Steve Kroft reports on a new book from Michael Lewis, “Flash Boys,” that reveals how a group of unlikely characters discovered how some high spee… As Steve Kroft reported Sunday on “60 Minutes” , this month marks the fifth anniversary of the current bull market on Wall Street, making it one of the longest and strongest in history. Yet U.S. stock ownership is at a record low and less than half of Americans trust banks and financial services.
Source: http://www.cbsnews.com/news/fbi-to-probe-high-frequency-stock-trading/

Graduate Student Loans – Harmful Or Beneficial?

The report highlights the fact that loan-payment delinquency rates continue to improve (i.e. decline). On average, a little over 7 percent of all outstanding consumer debt obligations are in some stage of delinquency (30 or more days past due), and roughly 70 percent of those are seriously so (90 or more days past due). The executive summary also notes that student loan balances that are 90 or more days past due represent 11.5 percent of the total outstanding. Sure, it’s a troubling metric.
Source: http://www.dailyfinance.com/2014/03/19/student-loan-crisis-worse-than-you-think/

It is also possible to find a loan with a higher interest rate. With poor credit and a spotty income, it will be hard to qualify for the best rates, but there are loans available for people with bad credit. The interest rates on these loans is several points higher than the best rates, however, meaning that a student will pay more in interest and have to make a higher monthly payment than they otherwise would have. The best option for many students is to find a cosigner or guarantor. This person signs on the loan along with the student.
Source: http://www.examiner.com/article/students-and-car-loans

I lost everything as a result. I took a $12,000 pay cut and got another job, but I have been trying to catch up ever since. I owe a federal student loan of $9,800. I was trying to establish a payment plan, but instead of agreeing to a plan, they garnished my pay by nearly $300 without any http://www.obamastudentloanforgiveness.net prior notice. Now I can’t even afford to pay my rent.
Source: http://www.creditcards.com/credit-card-news/student-loan-bankruptcy-wage-garnishement-1294.php

Student Loans Board Recovers Shs45 Billion From Borrowers

And for many, that is the case. However, especially for those who continue on to graduate school, the student loan debt accrued by graduation can be astronomical. If you consider that the typical undergraduate classes last four years, and graduate school can last several years, depending on the course of study, you can see how weighed down with debt a student can potentially be upon graduation. Imagine graduating college and embarking upon a new life in your chosen field. Its an exciting time; a culmination of a life-long dream. But from your first step, tremendous student loan debt that will take years to repay is hanging over your head.
Source: http://www.inquisitr.com/1174781/graduate-student-loans-harmful-or-beneficial/

The first has to do with the Federal Student Aid departments recently released First Quarter Customer Service Performance Results . The FSA evaluated 11 nonprofit and four for-profit loan servicers for overall customer satisfaction, and the efficacy of their default prevention efforts. No servicer attained the recommended customer satisfaction score of higher than 80 (out of a possible 100), and only one scored the national average of 76. Interestingly, there were no industry benchmarks against which these particular servicers default prevention efforts could be measured. The data is instead compared within that 15-member pool, which undermines the metrics usefulness.
Source: http://finance.yahoo.com/news/why-student-loan-problem-even-120047192.html

Briefing journalists in Dar es Salaam, HESBL Assistant Director of Information, Education and Communication, Mr Cosmas Mwaisobwa, said out of loans valued at 1.5tri/- which were dished out to 260,150 students since July 1994 June 2013 , it is only 512.4 bn/- which matured and ready for repayment by the borrowers. “Loans to the tune of 990.1bn/- are yet to mature because the beneficiaries are still studying and some are enjoying a one-year grace period after completion of their studies before being required to start repaying their loans,” Mwaisobwa said. “Since every loan beneficiary is given a period of ten years to repay the loan in installments, it is only 79.1 bn/- which is currently outstanding, and until January, this year, we had collected 45.1 bn/-, which is equal to 57 per cent of the outstanding amount”, he added. He also said HESBL had introduced a repaying system under which the borrowers can now repay by M-Pesa, and from April, this year, they can also use Airtel Money. “Before starting to use the services the loans borrower must first communicate with HESBL to obtain their loan statement, loan installments and loan number,” he clarified. He explained that the number of students who receive loans had continued to increase, from 42,729 in 2005/2006 when the HESBL started operating, to 97,348 students in 2012/2013.
Source: http://www.hispanicbusiness.com/2014/3/20/student_loans_board_recovers_shs45_billion.htm

Speed Probe Hits Exchange Stocks Amid Signs Of Life In Markets

Stocks Jump as Geopolitical Pressure Eases

22 when a technical malfunction at the exchange forced it to temporarily halt trading for thousands of companies. Atlanta-based IntercontinentalExchange Group Inc., the owner of the New York Stock Exchange, lost 1.5 percent. Incremental Negative Citigroup Inc. analysts led by William Katz said the inquiry is an incremental negative for the companies that could threaten some of their revenue from market data and access.
Source: http://www.bloomberg.com/news/2014-03-18/speed-probe-hits-exchange-stocks-amid-signs-of-life-in-markets.html

“Conversely, your discretionary portfolio is the place where you can afford to be aggressive.” These are the kinds of stocks that present higher risk but also higher reward. And in each portfolio Cramer believes you should hold no fewer than 5 stocks and no more than 10 stocks. Mike Good | Dorling Kindersley | Getty Images “Five stocks is the absolute minimum you need for a portfolio to be diversified,” Cramer explained, “and 10 is the maximum because you will burn yourself out if you try and do homework on more than ten stocks at once.” If that sounds like a lot of work, there’s some good news. Cramer says it’s ok for some stocks in your discretionary account to overlap with retirement account. Now, with all that in mind, here’s how Cramer would put money to work right now.
Source: http://www.cnbc.com/id/101504693

Cramer’s 5 portfolio building block stocks

Tuesday’s Range: $3.93-$4.27 Tuesday’s Volume: 5.13 million Three-Month Average Volume: 3.13 million From a technical perspective, SOL ripped higher here right off its 200-day moving average of $3.88 with above-average volume. This stock has been uptrending strong for the last two months, with shares moving higher from its low of $3.04 to its recent high of $4.37. During that uptrend, shares of SOL have been consistently making higher lows and higher highs, which is bullish technical price action. This spike higher on Tuesday is now starting to push shares of SOL within range of triggering a big breakout trade. That trade will hit if SOL manages to take out some key overhead resistance levels at $4.37 to $4.46 and then once it takes out $4.36 to $4.75 with high volume.
Source: http://www.thestreet.com/story/12534527/1/4-stocks-under-10-to-trade-for-breakouts.html

Stocks gain after reports on housing, Ukraine

Permits to build new homes, meanwhile, rose 7.7% in the same month, to an annualized rate of 1.02 million, beating Wall Street views of 960,000. Economists are broadly expecting the sector to bounce back from what they see as temporary headwinds. Meanwhile, the Labor Department said consumer prices rose 0.1% in February, matching Wall Street views. Excluding the food and energy components, prices rose by the same margin, also matching estimates. There have been concerns among policymakers that low or falling inflation could hinder economic growth.
Source: <a hot shares href=’http://www.foxbusiness.com/markets/2014/03/18/stocks-jump-as-geopolitical-pressure-eases/&#8217; >http://www.foxbusiness.com/markets/2014/03/18/stocks-jump-as-geopolitical-pressure-eases/

4 Stocks Under $10 to Trade for Breakouts

factory production and relief that sanctions imposed on Russia following the Crimea reference avoid its vital economic interests. European markets were down. By Associated Press, NEW YORK U.S. stocks are closing higher after some encouraging news on housing and on hopes that the conflict between Russia and the West over Ukraine wont escalate.
Source: http://www.washingtonpost.com/business/stocks-gain-after-reports-on-housing-ukraine/2014/03/18/29d71706-aeda-11e3-b8b3-44b1d1cd4c1f_story.html

Stocks Slide Most In Month As Crimea Fans Bond Gains; Oil Climbs

Global Stocks Fall on Ukraine Unrest

U.S. Secretary of State John Kerry is traveling to Ukraine and the United Nations Security Council is set to meet as western leaders seek to respond to Russia seizing control of the countrys Crimea region. Ukraine said Russias navy ordered two of its ships to surrender. Russias central bank unexpectedly raised its key interest rate by 150 basis points. Manufacturing gauges in China signaled slower growth, while U.S.
Source: http://www.sfgate.com/business/bloomberg/article/Stocks-Slide-Most-in-Month-as-Crimea-Fans-Bond-5285572.php

The MICEX index of Moscow stocks tumbled 11 percent to 1,288.81. The dollar-denominated RTS stock index tumbled 12 percent. The Market Vectors Russia ETF fell 7 percent in heavy volume, hitting a session low of $22.16, its lowest in 4-1/2 years. Energy stocks could lose if relations between the United States and Russia deteriorate further.
Source: http://in.reuters.com/article/2014/03/03/markets-usa-stocks-idINL1N0M010X20140303

Global stocks slide as tensions build in Ukraine

First, the scoreboard: S&P 500: 1,845.7 (-13.7, -0.7%) Nasdaq: 4,277.3 (-30.8, -0.7%) And now the top stories: Markets around the world got slammed. Russia got hit the worst with its ruble tanking and its stock market dropping 12% . The Ukranian bond market got annihilated, with short-term interest rates exploding to nearly 50% . Western Europe also got slammed, led by Germany, a major importer of Russian gas . With the Russian economy already struggling to grow, most Wall Street experts believe Putin isn’t like to go through with a major military action.
Source: http://finance.yahoo.com/news/stocks-around-world-slammed-heres-210010353.html

US STOCKS-Wall Street falls on Ukraine tensions

General Electric Co. and 3M Co. plunged at least 1.6 percent to pace declines among large industrial shares. The Market Vectors Russia ETF tracking companies from Gazprom OAO to OAO Lukoil dropped 7.6 percent, the most since 2011.
Source: http://www.sfgate.com/business/bloomberg/article/Stocks-Drop-Most-in-Month-as-Crimea-Fans-Bond-5284871.php

US STOCKS-Wall St slides as Ukraine tensions escalate

crude prices rose more than 2 percent each. The S&P energy sector index, which opened higher, was down 0.6 percent. The Dow Jones industrial average fell 207.75 points or 1.27 percent, to 16,113.96. The S&P 500 lost 19.45 points or 1.05 percent, to 1,840.
Source: http://www.reuters.com/article/2014/03/03/markets-usa-stocks-idUSL1N0M018620140303

STOCKS AROUND THE WORLD GET SLAMMED: Here’s What You Need To Know

of Saskatchewan Inc. U.S.: NYSE $33.50 +0.21 +0.63% March 3, 2014 4:02 pm Volume (Delayed 15m) : 5.87M AFTER HOURS $33.61 +0.11 +0.33% March 3, 2014 6:54 pm Volume (Delayed 15m): 8,275 P/E Ratio 15.86 Market Cap $31.20 Billion Dividend Yield 4.18% Rev. per Employee $1,302,470 01/30/14 Potash Corp. profit tumbles 45… More quote details and news POT in Your Value Your Change Short position gained 53 cents, or 1.5%, to 37.13.
Source: http://online.wsj.com/article/SB10001424052702304585004579416853033321142.html

Stocks Drop Most in Month as Crimea Fans Bond Gains; Corn Soars

were also hit hard. Mechel, a mining company, fell 18 cents, or 9.5 percent, to $1.72; Phone company VimpelCom fell 51 cents, or 5 percent, to $9.65. Energy company LukOil best performing stock fell $3.20, or 5.9 percent, to $51.20. The drop in stocks might also present investors with the opportunity to buy stocks at lower prices, said Terry Sandven, chief equity strategist for U.S. Bank.
Source: http://finance.yahoo.com/news/global-stocks-slide-tensions-build-215517239.html

Noteworthy Etf Inflows: Csj

It just makes sense for us as a large and successful money manager to participate in ETFs. According to a Securities and Exchange Commission filing , J.P. Morgan is expected to receive regulatory approval to begin marketing ETFs. As the seventh-largest mutual fund manager in the U.S. by assets with a focus on active investing, the financial firm has taken an interest in actively managed ETFs and is watching the nontransparent active ETF space, but Deutsch noted that they arent waiting for the SEC make up its mind before dipping into the ETF space. For instance, J.P. Morgan has filed for a smart-beta global equity ETF in October, 2013.
Source: http://www.etftrends.com/2014/02/jpmorgan-plans-to-enter-the-etf-arena-looks-to-active-space/

ETF Chart of the Day: Banking on the Buck

In contrast, retail sales grew 13.6% in 2013 over on the http://www.etftradingsignals.com mainland. Wage growth? Phenomenal in China. Wages in the U.S.?
Source: http://seekingalpha.com/article/2032931-china-etf-bashers-cannot-see-the-forest-for-the-trees

If you wish to view more, click the button below. The Financial Times Ltd 2014 FT and ‘Financial Times’ are trademarks of The Financial Times Ltd. Printed from: http://www.ft.com/cms/s/0/76b1e098-9962-11e3-b3a2-00144feab7de.html Print a single copy of this article for personal use. Contact us if you wish to print more to distribute to others. The Financial Times Ltd 2014 FT and Financial Times are trademarks of The Financial Times Ltd.
Source: http://www.ft.com/cms/s/0/76b1e098-9962-11e3-b3a2-00144feab7de.html

Due to the way USDX futures contracts were designed and detailed, a long position in USDX futures is basically a way to be long the U.S. Dollar versus a basket of global currencies including the Euro, Japanese Yen, British Pound, Canadian Dollar, Swedish Krona, and Swiss Franc. Year to date, despite poor price performance, UUP has still net reeled in more than $69 million in new assets via creation, bringing its asset base up to about $735 million. UUP remains the largest Currency focused ETP in the U.S. UUP has been popular with globally focused ETF portfolio managers particularly for its options liquidity as well, as we will often see directional plays enacted in the options in good institutional size, at least on a quarterly basis in the marketplace if not more often than that dependent on global currency conditions and price trends. Dollar Bearish Fund, Expense Ratio 0.50%) which is considerably smaller than its sister ETF UUP, with only $59.6 million in AUM at the moment.
Source: http://www.etftrends.com/2014/02/etf-chart-of-the-day-banking-on-the-buck/

Comparing the most recent share price to the 200 day moving average can also be a useful technical analysis technique — learn more about the 200 day moving average . Exchange traded funds (ETFs) trade just like stocks, but instead of ”shares” investors are actually buying and selling ”units”. These ”units” can be traded back and forth just like stocks, but can also be created or destroyed to accommodate investor demand. Each week we monitor the week-over-week change in shares outstanding data, to keep a lookout for those ETFs experiencing notable inflows (many new units created) or outflows (many old units destroyed).
Source: http://www.thestreet.com/story/12407837/1/noteworthy-etf-inflows-csj.html

Are Student Loans Worth The Debt?

Economists say student loans are now the 2nd largest debt in the average household behind mortgages. If the debt is massive now, what happens if the government encourages even more people to borrow even more money? Students find themselves between a rock and a hard place. They’re told they need a college education to get a good job, but many can’t get jobs if or when they graduate. Now critics question the wisdom of pushing loans on students who can’t pay them back.
Source: http://www.cbs12.com/news/top-stories/stories/vid_13334.shtml

Student debt may hurt housing recovery by hampering first-time buyers

So adding two more options for borrowers, although it may not sound like a lot, is actually a big increase in the marketplace, he adds. “Before the credit crisis, there were only a dozen,” Kantrowitz says. “It’s never been a really large marketplace, but there’s a lot of consumer interest and borrower interest in refinancing private student loans, because they’re starting to see the interest rates increase, and thats got them concerned.” But Chopra says more financial institutions, particularly credit unions, are getting into the refinancing game when banks are hesitating. “They see it as an important way to build relationshipswith customer that over time can perhaps lead to that customer taking out a mortgage, opening up abank account, and essentially generating revenue for that financial institution over their entire financial life rather than just from their student loan,” Chopra says. But borrowers’ motivations for which refinance option they choose vary widely, Coughlin says. Some students want to extend their payment terms and have lower monthly payments, while others may want to increase their monthly payments to become debt-free more quickly.
Source: http://www.usnews.com/news/articles/2014/02/18/private-student-lenders-respond-to-government-pressure-expand-refinance-options

Student Loans Are A Drag On The Economy And Society

The fear is that many young adults can no longer save for a down payment or qualify for a mortgage, impeding the housing market and the overall economy, which relies heavily on the housing sector for growth, regulators and mortgage industry experts said. “This is a huge issue for us,” said David Stevens, chief executive of the Mortgage Bankers Association. “Student debt trumps all other consumer debt. It’s going to have an extraordinary dampening effect on young peoples’ ability to borrow for a home, and that’s going to impact the housing market and the economy at large.” Stephanie McCloskey, 26, said she feels the pinch. Two years out of college, McCloskey was confident that she could take out a mortgage and buy a townhouse in Gaithersburg, Rockville or maybe Frederick, Md. until she met with a lender last month.
Source: http://www.chicagotribune.com/classified/realestate/sns-wp-washpost-bc-loans17-20140217,0,3736662.story

What Parents Should Teach Their Children About Student Loans

Sociologists Rachel Dwyer, Laura McLoud, and Randy Hodson put it best: There is a certain irony that those who were expected to benefit most from expanded college access are also most vulnerable to the risks of carrying too much debt. Scaring away college students before they begin college, however, is a relatively small problem compared to others. Studies have found that high debt levels not only deter access at the beginning, but can also drive students away from completing college once they have already started. Except for Mark Zuckerberg, students who start college but do not graduate are stuck with loan repayments and no college degree. They still have to repay their loans but do not have the economic boost of a college degree to help them have enough income to cover this cost. Many students who are defaulting on loans fall into this category of students with debt barack Obama on student loans but no degree .
Source: http://www.forbes.com/sites/joshfreedman/2014/02/11/student-loans-are-a-big-drag-on-the-economy-and-society/

It’s the Student Loans, Stupid

Imagine a state rep confessing, “Yeah, I knew going in that the feds would cover us when we cut aid to State College.” Or what about a college administrator boasting, “every time we raise tuition we get a bigger pay check from Washington, just like clockwork!” But of course we will never hear such confessions. So how can we determine which one is driving the bus: tuition or aid? Here is an example of the problem. Massachusetts has been steadily decreasing state-supported higher education, a 37 percent decrease in the last five years alone . For UMass schools, this led to a predictable chain of events: UMass reacted by raising tuition , thereby forcing students to take on more student loans .
Source: http://www.huffingtonpost.com/bob-hildreth/student-loans-tuition-increase_b_4809036.html

Private Student Lenders Respond to Government Pressure, Expand Refinance Options

Failure to repay a student loan can result in serious financial consequences. You can look at the amount of money you expect to borrow and use the online repayment estimator to calculate payment amounts for federal student loans. You can also research what your child is expected to earn based on information from the college about its graduating classes or from the U.S. Department of Labor’s Occupational Outlook Handbook . If your child will not be able to earn sufficient money to repay the student loans, you may have to discuss a different major or additional income opportunities.
Source: http://www.huffingtonpost.com/jodi-okun/what-parents-should-teach_b_4804920.html