The Borrowers

expensive schools and get up to their eyeballs in debt. According to the Institute for College Access and Success, “Seven in 10 seniors (68%) who graduated from public and nonprofit colleges in 2015 had student loan debt, with an average of $30,100 per borrower. This represents a 4% increase from the average debt of 2014 graduates.”…

Institute For College Access And Success The Institute For College Access and Success is at the helm of the Project on Student Debt, which works to provide the latest news and information on student debt and financial aid policy, as well as to empower borrowers with stories, commentary, analysis, and forums to gain information and advice regarding student…

The Department reviewed audited financial statements provided by First Guaranty Mortgage Corporation for year-end 2014 and 2015. Richey May & Co. completed the independent audits in accordance with generally accepted accounting principles. The financial analysis is based on a review of the stated financial condition of the company and should not be considered an attestation regarding the validity of the figures. Capital The capital position of the Licensee appears…

The Five Sociological Institutions: The Effect it has on Society. Haylie M. Galvan Wichita State University Introduction Family: The Dynamic Definition The definition of family is rapidly changing because of how every world culture decides to display their family norms. The vague definition of family are two or more people who consider themselves related by blood, marriage, or adoption. In most of a modern western world, family has been considered to…

In the world of finance and business, one of the great truths that present themselves is that everything is negotiable. Even under circumstances where the prices of certain commodities seem as if they are set in stone, obtaining a discount on the price can be as easy knowing how and whom to ask for the same. When it comes to the settlement of balances that individuals own on their credit cards, the opportunities for negotiation as to what is actually owed is greater than ever. A little bit of…

Workplace Collaboration “The world has become much more interconnected, and if executives don’t know how to tap into the power of those connections, they’ll be left behind” (Ibarra & Hansen, 2011). Many business owners and managers are finding it increasingly important to direct their focus on their employee collaboration and establish an example of great collaboration. Collaboration should not be developed from middle level management, but should begin with top level management to set the…

According to College Board over half of all full-time undergraduates at public colleges or universities are now full-time borrowers. Students put themselves in debt, just to obtain a bachelors degree. From 2003 through 2011, outstanding student loan debt increased from about 250 billion to over 900 billion. For the students that do not want to take out loans the work multiple…

gave loans and recklessly invested in the stock market. The loans were never to be paid off and the stock market crashed, leaving some banks to go bankrupt. Others, made matters worse by calling loans due and shortening credit contracts that the borrowers couldn’t…

“For profit universities are scams” More and more nontraditional students are enrolling themselves in for-profit universities with the hopes of earning a solid education and getting a high paying job. For-profit universities have become rather a trend among non-traditional student’s, because of the fact that they offer their full degrees online. But the negative sides about these for-profit universities overshadow the benefits of attending one. The for profit universities will never reveal…

for more than the houses securing the loans were worth, and then being professionally cute and laying off their liability with swap instruments betting that mortgages would not be paid. While I’m sure that many were trying to do right by their borrowers, I almost believe that some of those bank and mortgage lender employees…