BY ANNABEL MONAGHAN
From student debt to having children to new technology uses, college students are faced with challenges unlike generations before. In 2018, the cost of college education for United States students is a top concern when choosing the right university. Furthermore, with fertility rates declining, it’s no wonder that college students aren’t even aware of fertility and what can seriously effect it. Even technology continues to surpass the knowledge that college students had in high school, demanding their time to learn the ins- and- outs of new calculators and connection methods.
18 year-old Seth Owen dreamed of attending college, calling it his “life goal”. He graduated high school with a 4.16 GPA and an acceptance from Georgetown University and began to watch his dreams come true. When he was given his financial aid package, however, he was saddened to see the results.
The financial aid package that graduated seniors are offered is based upon the income of the student’s parents. For Owen, that made his dreams nearly impossible. He was disowned by his family after he came out as gay. Georgetown was refusing to amend his financial aid package with the $20,000 he needed to attend as a freshman. But a teacher close to Owen created a GoFundMe page for him and the tuition has been covered for much more than the first year.
Students all over the United States face insecurities when attending college due to the high cost. There are a few loans that help college students afford university, but they must be paid back. Direct subsidized and direct unsubsidized loans are offered directly through the federal government. Direct PLUS loans are offered to the parents of undergrad students to help cover the cost of the student’s education. Perkins Loans are offered to both undergraduate and graduate students and is depending on school funding, which is why the schools are paid back for these loans post- grad. Private student loans are issued by banks, credit unions, or other financial institutions and are a bit trickier to understand. They are offered as fixed rate loans and variable interest rate loans. With a strong credit score, these loans may be better than federal loans, however.
According to a CNBC map, Utah has the lowest rate of student loan debt in the United States, with $19,975 on average per person. Northeast states have the highest rates of student loan debt. Almost 75% of college graduates in New Hampshire have outstanding student loans- and they carry an average of $36,367 each, which is the highest rate in the country. Pennsylvania, Connecticut, Delaware, Minnesota, and Massachusetts are the top six states with the highest average of student debt for undergrad students. On average, they will carry about $31,500 of student debt on average. On the other hand, New Mexico, California, Arizona, Nevada, and Florida have the lowest levels of student loan debt, with averages under $25,000 per person on average. Those are all below the average of $32,731 for the class of 2016.
The student debt crisis in America is thought of as a top leading cause for declining fertility rates. For university students, fewer than half were able to pinpoint when a woman’s fertility begins to decline. Fewer than one- in- five knew when a man’s fertility declines. A majority of the participants wanted to have children, but the women planned to postpone that until after they finished their education, advanced in their careers, had access to affordable and quality childcare, and were working positions that allowed them to have children. They also wanted to travel and enjoy other activities beforehand.
Dr. Eugénie Prior of the Victorian Assisted Reproductive Treatment Authority in Melbourne, who led the study, commented, “Our study shows university students overwhelmingly want to be parents, but most have an unrealistic expectation of what they will achieve prior to conception.”
38% of men and 45% of women correctly stated that between the ages of 35 and 39 years of age a woman would find her fertility declining, whereas only 18% of men and 17% of women knew that men’s fertility declines much later, and 45 and 49.
With new technology, it’s a shock that university students lacked the knowledge of reproduction and fertility. The growing generation have done VPN reviews and implemented VPNs to protect themselves from internet cybersecurity threats. They have learned how to utilize technology in the classroom at a young age. As they move on to university, they will continue to utilize and learn new technology. From newer and more advanced laptops to wireless Bluetooth keyboards, to anti-malware software and new connection ports for USB-C, HDMI, USB 3.0 and more new ways of transferring data, these students will be at the top of the technology game as freshman undergrad students.
Staying on top of all trends college is imperative as a college student is necessary to be organized, prepared, and happy as a student. The three tips above can and will motivate any new student to continue learning necessary life tips about the classroom… outside of the classroom.
Annabel Monaghan is a writer with a passion for education and edtech. She writes education and career articles for The College Puzzle with the aim of providing useful information for students and young professionals. If you have any questions, please feel free to email her at firstname.lastname@example.org.