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# American college student loan

2018-11-23 来源: 51due教员组 类别: Essay范文

**下面为大家整理一篇优秀的****essay****代写****范文****- ****American college student loan****，供大家参考学习，这篇论文讨论了****美国大学生贷款。美国是世界上最早开展大学生贷款的国家之一。美国大学生贷款政策经过数十年的发展演变，目前更臻于完善。美国大学生贷款由联邦贷款和非联邦贷款所构成，前者包括联邦直接贷款和联邦珀金斯贷款，后者包括州学生贷款和高校学生贷款。这些贷款灵活多样，覆盖面广，资助力度大，为数以千万计的大学生解除了后顾之忧，促进了美国高等教育的发展。**

The United States is one of the countries with the most developed higher education in the world. Its developed higher education benefits from its perfect student financial aid system, which is based on the higher education law passed by the United States congress in 1965. After nearly half a century of development, evolution and multiple revisions, the system has been gradually improved. As an important part of the student aid system of American colleges and universities, college student loans are mainly composed of federal loans and non-federal loans. The federal loan in the United States is composed of direct federal stafford loan and federal perkins loan. The former includes direct federal subsidized stafford loan, direct federal unsubsidized stafford loan and direct federal student parent loan, etc., while the latter is campus loan. The longest term of these loans is generally 25 to 30 years. Based on the latest education statistics released by the United States, the author analyzes and discusses the structure of the loan for American college students in 2007-2008 academic year.

Among the federal student loans in the United States, the federal stafford loan is the most important student loan subsidy project, which occupies the majority of the market share of college student loans. The federal stafford loan consists of subsidized loans and unsubsidized loans.

In the 2007-2008 academic year, a total of 7.2202 million college students in the United States received any kind of stafford loan, accounting for 34.5% of the total number of 20.928 million college students in the United States, with an annual average loan of $5,000. Among them, 6.2156 million college students received stafford subsidized loans, accounting for 29.7% of the total number, with an average of $3,400. The number of students who received unsubsidized stafford loans was 4.6042 million, or 22 percent of the total number of college students in the United States, with an average loan of $3,200.

In terms of the gender of college loan students, 2.767 million men received loans from any stafford university, accounting for 30.7% of the total number of male college students in the United States, which was 9.013 million. The average annual loan was $4,900. The number of male students receiving subsidized stafford loans was 2.3344 million, 25.9 percent of the total number of male students, with an average annual loan of $3,400. A total of 1.685,400 men, 18.7 percent of the total, received unsubsidized loans from stafford, with an average annual loan of $3,300. The number of female students who received any stafford loan was 4.4443 million, accounting for 37.3% of the total number of female college students in the United States, 11.915 million. The annual per capita loan was $5,000. Compared with male students, both the proportion and amount of loans of female students were higher than that of male students. Stafford subsidized loans to 3.8843 million girls, or 32.6 percent of all girls in the United States, averaged $3,400 a year. The 2,907,300 women who received unsubsidized loans from stafford, or 24.4 percent of the total number of girls, earned $3,200 a year on average.

According to the racial analysis of college loan students, the number of white college students who received any stafford loan was 4.4071 million, accounting for 34.1% of the total number of 12.924 million white college students, and the average annual loan was $4,900. There were 3.6316 million white college students who received stafford subsidized loans, accounting for 28.1 percent of the total number of white college students, with an average annual loan of $3,400. There were 2,765,700 white college students in stafford who received unsubsidized loans, or 21.4 percent of the total, with an average annual loan of $3,300.

The number of black college students who received any stafford loan was 1.3426 million, accounting for 45.9% of the total number of 2.925 million black college students. The average annual loan amount was $5,300, which was much higher than that of white college students in terms of both the proportion of borrowers and the amount of loans, indicating that the economic conditions of black Americans were inferior to that of white students. The number of black college students receiving subsidized stafford loans was 1.249 million, 42.7 percent of the total number of black college students, and the average annual loan was $3,200. There were 968,200 black college students who received unsubsidized loans from stafford, accounting for 33.1% of the total number of black college students. The average annual loan for black college students was $3,100, and the total amount of the last two loans for black college students was lower than that for white college students.

Hispanic college students received $888, 000 in any stafford loan, or 30% of the total of 2.96 million Hispanic college students, with an average annual loan of $5, 000. Stafford subsidized loans to 819,900 Hispanic college students, or 27.7 percent of all Hispanic college students, amounted to an average annual loan of $3,300. The number of Hispanic college students who received unsubsidized loans from stafford was 532,800, accounting for 18% of the total number of Hispanic college students, with an average annual loan of $3,200.

The number of Asian college students who received any stafford loan was 269,400, accounting for 21.8% of the total number of 1.236,000 Asian college students, with an average annual loan of $4,800. The number of Asian college students receiving stafford subsidized loans was 242,300, accounting for 19.6 percent of the total number of Asian college students, with an annual average loan of $3,500. The number of Asian college students who received unsubsidized stafford loans was 131,000, or 10.6 percent of the total, and the average annual loan was $3,300.

American Indians, Alaska natives and Pacific island college students received 93.5 million loans from any stafford school, or 28,58% of the 327, 000 total, with an annual per capita loan of about $4, 700. Stafford subsidized loans are 8 percent. 740,000, or 26 percent of the total. 7%, $3,000 per person. Sixty-seven million people, or 205% of the total, received unsubsidized loans from stafford, with an annual per capita loan of $3,000.

A total of 18,710,000 students with two or more mixed-race college students received loans from either stafford college student, accounting for 37,89,6 of the 495,000 students with mixed-race college students, with an annual per capita loan of $5,200. Stafford grants were given to 16,340 people, or 33 percent of mixed-race college students, with an average annual loan of $3,500. Stafford got 12 unsubsidized loans. There are 800,000 people, accounting for 244% of the total number of mixed-race college students. The average person has an annual loan of $3,400.

In terms of accommodation category, there are 155.02 million college students living in college apartments who have access to any stafford lender, accounting for 52,39,6 of the total number of students living on campus of 2.964 million, with an average annual loan of $4,400. There were 122.41 million residential students receiving stafford subsidized loans, accounting for 41.3 percent of the total number of residential students, with an annual per capita loan of $3,600. The number of residential students receiving unsubsidized stafford loans was 717.73 million, accounting for 242% of the total number of residential students, with an annual per capita loan of $3,400. There are 3.89 million college students living outside the university, accounting for a total number of 129 college students living outside the university. The annual per capita loan amount of 34, 59, 6 million people is $5,300, which is higher than $900 for residential students. A total of 3.5244 million off-campus residential college students received stafford subsidized loans, accounting for 31.2 percent of the total number of off-campus students. The average annual loan amount was $3,300. There are 2.08 million off-campus students who have received unsubsidized loans from stafford, accounting for 248% of the total number of off-campus students. The average annual loan is $3,200. For college students who live with their parents, a total of 1.0904 million people, or 21.8 percent of the 5 million and 20 million college students who live with their parents, received loans of $4,400 per person per year from any stafford lender. Stafford subsidized loans are available to 90.04 million college students living with their parents, or 18% of the college population, with an average annual loan of $3,100. There are 655.3 million college students living with their parents in stafford with unsubsidized loans, accounting for 13, 16, and an average annual loan of $3, 000.

The federal perkins loan is a federally funded campus loan with a maximum loan of $5,500 and interest of $5, 9,6. Compared with stafford loan, perkins loan is less than the proportion of the target and the degree of funding. The specific funding situation is as follows:

In the 2007-2008 academic year, the total number of college students who received perkins loans was 586,000, accounting for 2.8% of the total number of college students in the United States in that year, and the average annual loan was 2000 dollars. Among them, the number of two-year college students who borrowed money from public universities was 9,112, accounting for 0.1% of the total number of two-year college students in public universities and accounting for $1,300 per person per year. Perkins loans reached 267,600 public four-year college students, accounting for 4% of the total population of 6.69 million public four-year college students, with an average annual loan of $2,000. In the United States, 4-year colleges and universities have the right to grant doctoral degrees, and their tuition and miscellaneous fees and student loan amount are also different. In the public four-year colleges and universities with the right to grant doctoral degrees, the total number of four-year college students who received perkins loans was 134,400, accounting for 3% of the total number of 4.346,000 students in such public colleges and universities, and the average annual loan was 2,100 dollars. Perkins loans were made to 105,500 people in four-year public universities without the right to grant doctoral degrees, accounting for 4.5% of the total number of 2.344,000 students in such public universities, and the average annual loan was $2,000.

In the 2007-2008 academic year, there were 3.038 million students enrolled in private non-profit colleges and universities in the United States. Among them, there are 2.948 million students enrolled in 4-year private non-profit colleges and universities, and 277,100 students received perkins loan, accounting for 9.4% of the total number of students enrolled in 4-year non-profit colleges and universities, and the average annual loan is 2,100 us dollars. Among 4-year non-profit colleges and universities without the right to grant doctoral degrees, 109,100 students received perkins loans, accounting for 7.5% of the total number of students in these colleges and universities, and the average annual loan was $2,000. Among the 4-year private non-profit colleges and universities that have the right to grant doctoral degrees, 163,300 students have received perkins loans, accounting for 11.5% of the total number of 1.394,000 students in such colleges and universities, and the average annual loan is 2,100 us dollars.

The total number of students in private for-profit colleges and universities in the United States is 1.996 million, and the number of students receiving perkins loans is 24,000, accounting for 1.2% of the total number of students, with an annual average loan of $1,800.

The federal direct student parent loan is a commercial student loan. The lender is the United States department of education. As the borrower, the parent of the student pays all the interest and principal generated by the college students. The proportion of students' parents' loans is not high, but the degree of support far exceeds the above loans.

In the 2007-2008 academic year, the number of students who received loans from parents was 1.0464 million, accounting for 5% of the total number of college students in the United States that year.

In terms of race, 555,700 white college students received loans from their parents, accounting for 4.3% of the total number of 12.924 million white college students, with an average annual loan of $11,000. There were 819,000 black college students who received the loan, accounting for 2.8% of the total number of 2.925 million black college students. The average annual loan was $9,900, which was lower than that of white college students. Hispanic college students received 85,800 loans, or 2.9 percent of the 2.96 million total, with an average annual loan of $10,200. 33,400 Asian college students received the loan, 2.7 percent of the total 1.236,000 Asian college students, and the average annual loan was $11,000. American Indians, Alaska natives and Pacific island college students received 5,600 loans, or 1.7% of the total of 327,000, with an annual per capita loan of $10,000. College students of two or more mixed-race RACES received the loan of 17,300 people, or 3.5% of the total of 495,000 people, with an average annual loan of $10,500.

According to the analysis of the annual family income of American college students whether they are independent or not, 40,400 college students with family dependence and annual family income of less than 20,000 dollars have received student loans from parents, accounting for 3.2% of the total number of 1.263,000 college students from such families, and the average annual person has received student loans of 7,400 dollars. 98,200 college students with an annual household income of $20,000 to $39,999 received the loan, accounting for 5.3% of the total population of 1.853 million, with an annual average of $8,100. College students with an annual household income of $40,000 to $59,999 received loans from 116,700 people, accounting for 6.3% of the total population of 1.852 million, with an annual average of $9,200. The number of college students with an annual household income of 60,000-79999 us dollars who received loans from their parents was 138,100, accounting for 8.4% of the total number of 1.644,000 such college students, and the average annual loan amount was 9,700 us dollars. College students with an annual household income of $80,000 to $99,999 received loans from parents of 132,800 students, accounting for 9.5% of the total population of 1.398 million college students from such families, with an annual average loan of $10,700. The number of college students with an annual household income of more than 100,000 us dollars who received loans from their parents was 264,000, accounting for 8.6% of the 3.07 million college students from such families, and the average annual loan was 13,500 us dollars. So the higher the family's annual income, the higher the amount of federal student parent loans.

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