The Workshops will Strengthen Employment and Entrepreneurship Entrepreneurship Students

Cospedal The Government has invested 207,000 euros in the two workshops Cabanillas, for 20 students with six months of training

Spain, May 14, 2013 – The Minister of Employment and the Economy of the Government of Castilla-La Mancha, Carmen Home, said that employment workshops and entrepreneurship that has launched the Government chaired by Mara Dolores Cospedal “are a gateway to the labor market from the point of view serve to self-employment and entrepreneurship consolidate all students. ”

This was said by the Minister during a visit to the town guadalajarea Cabanillas del Campo, where he met workshops Sustainable Rural Development Promotion developed there: Farming and Community Services in Cabanillas.

The workshops have a regional government financial aid of 207,000 euros, are targeted at 20 students and made part of a project manager and a teacher, to “get all the knowledge they are acquiring during collective training can materialize in the implementation of profitable business, with which contribute to the development of Castilla-La Mancha in general and Cabanillas del Campo and the region in particular. ”

Home stated that “after the six month duration of the courses, students will receive a professional certificate, with which they can ensure they are fully qualified to carry out their activities, or to start directly into employment as self-employed.”

Casero, accompanied by the Mayor of Cabanillas del Campo, Jaime Celada, the president of the Provincial Council of Guadalajara, Ana Guarino, and the regional government delegate in Guadalajara, Jos Luis County, has predicted that “the works of Inditex’s logistics center will his lungs. We hope that will be completed in early 2014 and, surely, help to generate around 500 jobs, thanks to the investment of 150 million euros that the multinational will take place in this county, “said.

In this regard, the Minister of Employment and the Economy has stated that “the hub of top international help has also many other companies that decide to settle around the multinational to boost the industrial sector across the province”

Finally, Home has reiterated that “to-day work as firmly the first time to ensure that each day there are more entrepreneurs that are committed to Castilla-La Mancha and, certainly, in that way will the Government as an ally Cospedal “.

Press Contact: Consejeria de Empleo y Economia Media Relations Consejeria de Empleo y Economia Address: Avda Ireland No 14 512-212-1139

Top Strategies To Find College Scholarships

When considering where to go to college, many students first consider the availability of college scholarships. There are many sources of college scholarships, and here are four top strategies for finding these money-saving scholarships.

1. Financial Aid Office
All colleges have a financial aid office, and this should be the first place prospective students should look for funding. Completing paperwork on time is very important, since college funding may run out. In addition to federal funding, many financial aid offices keep databases of independent scholarships, which not many students use.

2. College Department
All college students have to choose a major, and many students find a college by major. College majors are organized into departments and then into colleges, such as a Department of English within a College of Liberal Arts and Sciences. Many of these departments and college may award college scholarships directly to students in their programs. Once prospective students find a college by major , they should contact their academic program to ask about scholarship options.

3. Family Members Employers
Many prospective students reach out to family members for advice on where to go to college ; some will even say, Help me find a college . Once students have found a college to attend, many do not realize that they can reach out to their family members again for help in finding college scholarships. Many employers offer college scholarships to students who are related to their employees. A prospective college students plea of help me find a college should be followed by help me find a college scholarship.

4. Just Ask
One of the best strategies for finding college scholarship is to always ask. Contact local businesses and nonprofit organizations to see if they offer scholarships. Students can ask about funding through organizations that they are a member of. Also, students can ask financial aid offices and college departments for more funding if the initial funding is not enough.

Student’s Help With Financial Assistance And George Hope Scholarships

Hope, George Scholarships is the one for all the Georgia residents who are adorned with good academia accomplishments either in the college years or the school years. HOPE stands for Helping Outstanding Pupils educationally.
It is a educational aid that helps the students to prosper in their future with a difference. Earning this scholarship is a prestigious way to cater your financial needs including your books, tuition and college fees. So if you are trying to pursue your bachelor’s degree for any of the Georgia’s colleges or universities then Hope, George Scholarships is your resource for the free funding of your college fees.
To get the Georgia Hope scholarship that will help you getting financial assistance in either graduating your degrees or diplomas or even certificate programs, following are the eligibilities: you need to be graduated from a good accredited school with average marks or at least have scored 3.0 grade point average in college. Your SAT/ACT scores can play a pivotal role in meeting eligibility if you have graduated from a home or an ineligible school.
You need to be registered in a public or private college or any university from Georgia to be eligible for the Georgia Hope scholarship. You also need to congregate the requisites for the Hope Georgia residency. You also need to convene the basic requisites for the US citizenship or non-citizenship. You need to have conformity with Selective service registration requisites. You shouldn’t be having any non-payment or be in debt of a refund to any of the student financial aid plan. And last but not the least; you need to have a sustainable progress in your academic record.
There are different types of awards amounts depending upon the type of institution you are enrolling with. One of them are the public institutions, so if you are attending these institutions then they will they into account the number of hours i.e. either you are full time or part timer and you are allowed about $100 per quarter for books. However if you are from a private institution then you will be funded with $1750 semester for a full time students and for $1166 per quarter.
Education and graduation are essential for the monetary affluence which is a must for the Georgians and the state’s economy. So this Hope Scholarship is a very helpful financial help for sourcing the college education. Your success as a good student will always be beneficial for the state of Georgia.
James Scholaris

Free Study Abroad In Europe – Attend A Top School Free!

Many tuition free universities are found abroad which allow students to opportunity to enjoy free study in Europe. If you apply directly to these schools, even being an international student and a non-European student, you do not have to pay tuition. . One example of a tuition free college is the Jonkoping International Business School. Based in Northern Scandinavia, the Jonkoping International Business School is an urban university that offers degrees in informatics, finance, business administration, commercial law, and political science studies. Bachelors, masters, and doctoral degrees are offered, and most of the classes are in English. The school is relatively small, with a total enrollment of about 2000 students, of which 25% are international students.
Just like the Jonkoping International Business School, many other tuition free colleges have strong English support due to the . Not all of these institutions focus on business though. There is a wide range of degrees and programs provided around the world, including computer science, IT, and engineering degrees. Another great school is the Royal Institute of Technology in Stockholm, Sweden or the University of Stockholm. These world-class institutions have international programs where the language of instruction is in English. Finland, Norway and even certain schools in Scotland also have a tuition free scheme that benefits those looking to study abroad for free or virtually free (meaning the cost of tuition is either waived or negligible).
There are high quality programs even medical school where one can take advantage of free study in europe. In order to participate in a free study abroad program, be aware that a list of prerequisites awaits you. First things being first, any prospective student needs to contact the embassy of his or her host country to acquire a student visa. Secondly, make sure to check with the university regarding any entry exams or grade requirements. All in all, the dream of attending college shouldn’t be hindered with tuition, and in the case of the many tuition free universities around the world, it doesn’t have to be. Learning more about these colleges offers you amazing opportunities few know about.

Enhance your skills for entering Italian Universities

Is it your dream to attend a prestigious Italian University?

If it is, you will need to learn Italian or else it will be very hard for you to pursue your field of study. If you want to specialize in Medicine or Architecture, all Italian universities require you to take and pass an entrance exam. This is an exam that you can easily face if you have a knowledge of both the Italian language and the technical terms that apply to your area of study.

Scuola Leonardo da Vinci has been teaching Italian and preparing foreign students to take their entrance exams for many years. We understand that in the beginning it can be overwhelming to have to take an exam that is not in your first language and that is why we have designed a special course help you prepare for it.

-The University Preparation Course for Medicine or Architecture- that includes 4 daily lessons of Italian language preparation that can last from 4 to 24 weeks depending on your language knowledge at the moment of enrollment and 140 lessons of preparation to admission test.

This course carefully focuses on the main subjects that the entrance exam will require you to know. We also pay special attention to grammar and sentence structure, because the exam will evaluate an individual’s correct usage of Italian.

So your preparatory course will consist of two phases. The first phase is dedicated to linguistic training and the second phase is dedicated to reviewing material that is specific to the student’s particular field of study.

By the end of the course students will have acquired a good knowledge of Italian language and the necessary linguistic skills to study for the entrance exam, pass the entrance exam with sufficient results, and to face their first year of Italian university with confidence.

The Preparatory Courses for the Faculty of Architecture will focus on specific architectural language that come from Architectural history, Construction, Science, Mathematics, Physics and other related disciplines.

For the Preparatory Course for the Faculty of Medicine, we will focus on material somewhat similar, because it will be necessary to have an extensive preparation in the subjects of biology, chemistry, physics, mathematics, etc.

If you are thinking about pursuing your university studies in Italy, in Milan or Rome, then these courses would be the right courses for you.

Next courses will start on March 8th, 2010…for all the information about dates and prices for 2010 please visit our website www.scuolaleonardo.com.

Why Digitalized Education Is Important

Man is the most powerful animal on this earth today he is so powerful that he can destroy this planet 10 times over. And he is the weakest being in the natures creation as well in terms of survival. Yet he dominates this planet with one tool intelligence.

This tool has been carried from individual to individual from generation to generation in the form of education. The meaning of this word has gone through and is going through numerous mutations according to the need of mankind.

Right from the Stone Age when learning to find better food, make better tools and kill better was education through the Industrialization Era when learning to make new machines, device new inventions and finding new and profitable markets to this Neo Liberalism Era when learning to communicate better and lead better, the one goal of education has been to move towards better comfort zones of living.

This digital era has opened up a whole new dimension of possibilities with no bounds to our learning ability. Till the 19th century the memory or the ability to gain access to information determined the intelligence. Now we have access to information as never before and memory has taken a back bench position to creativity. In implication if you have the right creativity then your achievements can become infinite. This has been made possible through computers, the pinnacle of technology.

With the vast storage and momentary retrieval abilities, computers have flattened the platform of access to information, removing the differences in the memory capacity of individuals. The invention of digital computing and recording tools had raised the human intelligence to the next level. With the assistance of artificial intelligence the views on education changed drastically.

Right from the question whether students can use digital calculators in exams to the reliability of online tests, there is only one real concern in the background Is the artificial intelligence dominating the human creativity? The classical education focused more on memory than creativity while as mentioned earlier the digitized education is focused on creativity, so technically this renders the above concern meaningless. The reforms in digital education have a single aim of enhancing human ability immaterial of personal shortcomings.

The success of a teacher in assisting a student rests in kindling his or her learning interest thereby increasing their knowledge. Digitized education tools are visual based so this increases the knowledge curiosity and widens the scope of knowledge. Our futuristic views on education are well defined.

The need to enhance our lives and increase our well being is now totally dependent on the education methods that we use. The world is being digitized in all fonts. This implies that education will be digitized as well. This new wave of change will take us one step ahead.

Homeschooling Teenagers Some Contributing Factors To Their Annihilation

Many of the homeschooling parents have found that with time, their homeschooling teenagers do not follow the values inculcated in them during their homeschooling days. They dont even respect their parents values once they enter teenage. Teenage rebellion has become commonplace, and our culture has responded by expecting less and less of teenagers. It is also seen that many teenagers go against their parents wishes to fulfill their own dreams and even get involved with drugs, alcohol, and immorality. They no longer believe in God and hence start living a life of their own judgments.

Many parents believe that they can prevent their children from such rebellion because they feel confident of their parenting approach. There are some critical contributing factors that have led to the destruction of mind of teenage children because of their family-minded parents. Some of these are as below:

Parents have self-centered dreams where their concern for themselves ends up overshadowing love for their children. One of the reasons parents homeschool is because they want to accomplish something good in their children. Success in homeschooling requires that academic, moral, and spiritual goals be set.

Making family as the idol results in turning it as a measurement of success. Being an idol requires sacrifice, but normally parents end up sacrificing relationship with their children for the idol of the family.

Parents tend to follow what other families are teaching their children and try to impose those notes on their children. They are disappointed when they compare their kids with the outside forms and merely find any expression of learning in their children.

Many parents have designed their personal standards and believe that it should be followed by everyone else in the family. Many families are marked by pride and judgment and its consequences leave a negative impact on the children as they too are made to judge things out of pride thereby filtering their perceptions to view things.

Parents tend to become authoritative and start molding their kids in the direction where they can become more disciplined, sheltered and behavior oriented. In doing so, parents give their child to maintain high standards for their outside so that their inside is shaped as anticipated. This result in dominating style of parenting that damages the relationship and hinders the ability to truly influence their values.

Over control is also associated with over reliance upon sheltering. Over sheltering your child might be harmful as your children may feel abandoned and lonely since they are protected from children with like-minded families, from secular beliefs and so on. Protecting from temptations and corrupting influences is part of raising children. Every parent shelters to one degree or another. But this line should be drawn according to what actually is required for the child and not what a parent seek for the betterment of their child.

Innovative Piano Teacher Resources for More Effective Teaching Strategies

Teaching can be both challenging and rewarding. Not one among millions of music teachers around the globe will say that it has been an easy profession; yet, most of them will acknowledge that it has been a rewarding experience, full of surprises, challenges and joys.

Music teaching, just like teaching all the other subjects, demands sufficient knowledge, skills and experiences as well as ounces of patience, discipline, motivation and creativity. Music educators as well as piano teachers have to acquire enough skill and character to inspire students not just to attend their classes and learn their piano lessons but also adopt and practice their learning into their real lives.

Effective and innovative piano teacher resources are intended for all music teachers out there who want to achieve professional growth and also obtain self-fulfillment from teaching, motivating and inspiring their students in many ways. With that in mind, this post is created to reach out to many music educators particularly piano teachers around the globe to help them in their teaching career as it has become a certified noble profession to all.

Music and piano teachers have to be powerful and creative enough to be in the authority and at the same time, be willing to become a caring, appreciative and loving parent to his/her student. It is a must that he or she is able to attain balance, flexibility, consistency, consideration and freedom as these have been necessary in teaching and molding the minds of learners classified from different ages, environments, customs, cultures, races, and traditions.

Your learners will truly appreciate you as well as your teaching strategies more than they used to if you keep on updating yourself on some helpful and useful piano teacher resources available today. After all, winning your students trust, love and respect is the most rewarding experience teachers can ever have.

Music and piano teachers must have both the creativity and passion in providing their students high-quality education through innovative and effective piano teacher resources, which are necessary in motivating young minds and inculcating values in them making them love music as a whole.

Integrating technology into their piano teacher resources like blogging, browsing and visiting the web, and downloading data and other related software to teaching and learning music can prepare the students explore a more complex and competitive world. Same classroom environment keep them away from boredom, monotony and anxiety. With this innovative and interactive tool, a warm, participative and favorable learning ambience is consistently established and maintained.

However, music and piano teachers should also remember that as this technology brings the learners closer to the real world and exposes them beyond mere learning, this modern and digital world also heightens them to higher risks. With these realities, music teachers must always guide, direct and assist their students accordingly.

Disadvantages Of Examination-oriented Education System

Although kids may appear to be jumping and laughing all day, they also face the threat of stress. This can come from many sources be it family issues, bullying issues or even education system. An examination-oriented education system can bring unneeded stress with improper implementation.

Grades are all that matters in an examination-oriented education system. Get a high grade and you get the affection from the teachers while other students gawk at you in awe. Low grades invite low-self esteem and isolation. This is because the students are bound to be highly competitive and subconsciously, they create caste among their friends. Those who have low grades are seen as unworthy to fit into their circle of friends.

Students are forced to know and learn everything their study by heart in order to get good grades during examination. This can be easy for some while it can be very difficult for others, especially those who are hands-on type of people. Inability to perform may only result in embarrassment although being shunned by other friends will bring harsher impact to the students’ lives.

A student will have to invest a lot of his or her time if a student wants to excel in studies. They will lose their childhood in the process, missing the chance to mix around with their peers. This can hamper their social skills learning skill, a skill that is bound to be important throughout their lives.

Once the aim is set to get higher grades in tests, other activities will have to be sacrificed. Teachers are bound to cut extra-curricular activities such as sports and also discourage creative activities so that students can study longer. This should not happen because the students have worked hard in the class and studying so they should be allowed to take part in such activities as an outlet to release stress. How can they reduce stress if they have to pore over a book day and night?

Examination-oriented education system may have a noble aim. However, the implementation should be done carefully so it will not affect the students. Everyone should understand that every individual is unique; some may excel academically while others can rely on hands-on expertise.

Do I Need A Cosigner For A Student Loan

The price of working with college is constantly increasing Each and every year. The amount of college graduates around the globe is the highest it has ever been. This has upped the bar for everyone, as many white-collar jobs and many blue-collar jobs now require a college degree for employment. Because the costs are always heading upward, many people find it tough to pay for school without a private student loan. So what is the best means for locating a private student loan without a cosigner?

If you are wanting for some assistance in paying for college, one can take two routes. There are federal student loan programs and private student loan products. The utilize of private student loans is growing much quicker than the choose of federal loans, and if current trends continue, will surpass the use of federal student loans by 2025. Prior to applying for any type of student loan, it’s critical to do your home-work. The federal programs available are much easier to find, so more time should be spent on compiling a list of private loans. create Sure you concentrate on both local and national private loan banks.

As soon as the list has been compiled, the largest issue with getting a private student loan is many banks and credit unions require the borrower to posses a cosigner. There are a few tricks to obtaining around this clause, and many lenders will permit the loan to go through without a cosigner. The biggest item is the credit score of the individual applying for the private loan. If your credit score is a bit low (below 690), create an effort to boost the score to at least 728 or higher prior to applying for the loan. This will dramatically improve the chances of the private loan going through, and lower the interest paid out.

A second aspect contemplated by a bank or credit union will be the number of the loan requested, and the degree being studied. Certain professions contain higher education expenses than others. In order to remove of a cosigner, many banks will lower the private loan number but might require the student to apply for grants and some federal aid to cover the balance. In addition, the banks will assess the earnings potential of the degree being studied to determine the amount to lend out. Keep in mind, it is their job is to evaluate risk and the borrower’s ability to repay the loan – certain degrees contain a higher earnings potential than other degrees.

Disorganized College Students Put Tuition At Risk

Next to buying a home, college tuition is the largest expense most families will face. But your investment in college tuition could be at risk. Despite four years of hard work in high school and success in gaining admission to college, your child may be underperforming. And it might have nothing to do with academic skills.

In a recent national survey conducted by research firm Greenfield Online, 47 percent of college students said their high school did not prepare them with the organizational skills required to do well in college. What’s more, 87 percent of students say better time management and organization skills would help them get better grades.

Ironically, for a generation of students raised on computer technology, the survey also found almost half of college students still manage their tasks and schedules by hand writing on a personal calendar. Another 23 percent rely on memory to keep track of their many deadlines and assignments.

“Getting into college is only half the battle. Doing well in college prep courses in high school is not enough,” said David T. Conley, Ph.D., professor of education at the University of Oregon, and author of “College Knowledge: What It Really Takes for Students to Succeed and What We Can Do to Get Them Ready.” “Students need both academic skills and organizational skills to manage the many competing interests that college life offers.”

Every year college students, especially freshmen, face the distraction of greater freedom and the challenge of more course work. As students become increasingly time challenged, their organizational skills are susceptible to compromise.

Fortunately, the ability to organize your college course demands and manage your time can be quickly gained. In fact, you can use technology to actually do the organizing for you.

The software was developed by the makers of the popular FileMaker Pro database software, which is already used in top U.S. colleges including MIT, Stanford University, Syracuse University, Rutgers University, Wheaton College and UCLA.

“High-tech” generation still using paper and pen could jeopardize good grades and tuition investment.

Scientific Research Into The Benefits Of Montessori Education

The University of Virginia conducted a variety of studies on academic performance, social skills, behavioral tendencies and psychological norms of Montessori students who were five and twelve years of age. They then did comparable research on non-Montessori school children of the same ages. The study was recently published in the academic journal Science by Dr Angeline Lillard, one of the universitys professors of psychology at their Charlottesville campus. The results of the study lead to surprising headlines on mainstream media sources such as the Guardian in the United Kingdom and CBS in the United States.

In brief, the Montessori Method was developed over nearly four decades by the education and psychology specialist Maria Montessori. Her research and implementation of what is now the Montessori Method started at the beginning of the 20th century and has continued to be implemented in its purist forms and in other cases contextually adapted to meet social and cultural norms. The core principles stay the same regardless of contextualization though. First and foremost, the student is provided a safe and stimulating environment where they are granted the authority to follow their natural instinct to gravitate towards wanting to learn. Teachers guide students through the self-directed learning process and play the role as the facilitator and observer more so than the traditional teacher model. Sharing, fairness and inter-age socialization are encouraged while the system downplays the need for competition and stress in the classroom. Testing and grading is not a standard within the original methodology, but in countries such as the United States, children do complete the national standard exams. The culture of a Montessori school is sharply different than non-Montessori schools but the goal of educating the students is the same. But which is more effective?

Researchers from The University of Virginia found that the five year olds at Montessori schools had better math and reading skills and tested better than those pupils at public and non-Montessori private schools. Even without regular testing (as in public schools), the Montessori students were able to spell, utilize grammar and execute punctuation better. Their socialization and problem solving skills were vastly more developed over their counterparts as well.

Although Montessori twelve year olds scored similarly in math and reading skills on examinations, those who were observed and tested were significantly more creative and sophisticated with their writing skills. But due to the inter-age interaction and methodology of the Montessori school system, children demonstrated a more secure sense of self, and scored much higher on social and behavioral tests.

The research suggests that the Montessori Method is in fact the better education system, but Dr. Lillards main conclusion is that she is looking forward to further researching the topic nationally and potentially internationally to come up with more conclusive evidence.

Why Choose Accounting Courses

A friend of mine was talking about the falling economy. He said that the biggest victims lately are employees. This probably comes as no surprise for you. Unemployment is high and there is no indication that it will come down for years. Just as bad, it seems that job security is a phrase that just does not apply any longer. When asked which career path is probably the safest, my friend unflinchingly said accounting. I immediately took a look at accounting courses and entertained the idea briefly, before deciding my fancy expensive grad schooling has already sealed my fate. But you should definitely take a look at some accounting courses. And then a second. And then just take them.

It never has been easier to work on accounting courses, whether as an adult, or as your undergrad degree right out of high school. Unlike other fields, there will never be a shortage of opportunities for accountants (every company needs them – after all, companies want money and accountants obviously help them with that). And, even if you opt not for that career explicitly, accounting courses might just be the skill set expansion you need to advance in your own career.

For instance, as a said, every large company has a branch of accountants. Even small businesses usually have one or two. If you are able to communicate better with, or even help with tasks when he, she or they are overworked, those accounting courses will be well worth it. Perhaps you are on a management career path. You will undoubtedly deal with accountants and the more you understand their jobs, the better you can oversee and promote realistic productivity. Or better yet, if you’re going into business for yourself, being able to handle your initial accounting needs will probably pay for the accounting courses right away in the money saved on an additional employee or consultant. Accounting courses are not just for future accountants.

With the improved quality and prestige of online education programs, it has never been easier to enroll and complete accounting courses. Furthermore, with the accredited schools offering scholarships and creative and affordable tuition and financing, you can do it on a budget.

Using Homeschooling Software To Educate Children

Although many people have a different opinion about the subject, homeschooling software has become popular for many different reasons. Lots of situations call for different solutions, and it isn’t any different when it comes to homeschooling. For this reason, homeschooling software has come into the picture and is here to stay.

How is Homeschooling Software Used?

The software can be purchased and used at home as an educational tool, or it can be used by participating in an online homeschooling program. In either case, it’s important for parents to supervise the school time of children, but homeschooling software would take care of all the essentials in general education. Reading material, course studies, instructional video and homework along with testing is all part of homeschooling software.

What homeschooling software does not do but should be implemented by the parents themselves, is offer on hands learning in the way of field trips, experiments, playing music or doing art projects to name a few.

Using Homeschooling Software Via an Education Program Online

This option would require a tuition fee, and sometimes even an enrollment fee. However parents don’t have to invest in the homeschooling software used through the homeschooling program. Everything is taken care of, and progress reports as well as grades are documented and shared with parents.

Keep in mind that homeschooling over the Internet still requires parent involvement in order for it to be successful. There are sometimes tutoring programs in addition to the general education programs offered through homeschooling programs online, which helps to enhance the learning experience for kids, especially in grade school.

Purchasing Homeschooling Software for Use at Home

This option may be more expensive up front depending on the quality of the homeschooling software you choose to purchase, but it can be well worth it. Using homeschooling software at home is ideal for parents who plan to be home with their children and assist with homeschooling, but don’t have the expertise or experience they feel they should have to create a complete school program themselves.

Many times, this software helps to inspire parents and give them ideas to help broaden and enlighten their children’s learning experience, making the software that much more valuable.

Some parents choose to use homeschooling software for part of a school day, and then finish up the day on their own. This works well too, as the software can pick up the slack where a parent might not be as skilled in teaching. In the end, it’s thought that homeschooling software can benefit a child’s schooling at home no matter what the situation is.

Student Loan Crises

We have a student loan crisis here in the United States. Student loan debt in aggregate, an unsustainable bubble of government inspired debt mania, has sky rocketed over the last 10 years nearly 400 percent. The total student loan debt is now nearing 1 trillion dollars with over 10% of that in default or delinquency and much of the rest teetering on collapse.

The government makes these loans available to all manner of students attending a wide variety of schools. Many of these loans are extended to students paying exorbitant tuition rates to traditional non-profit schools rewired and then transformed into “paper mills” or to a whole new category of for profit schools many with even more exorbitant tuition rates and seemingly in indirect proportion to the value received.

Students pay excessively high tuition rates for watered down curricula at a plethora of institutions offering degrees that don’t meet the smell test when compared to the value associated historically with the attainment of a 4-year degree. Many students even after graduation struggle to properly read, write, or do arithmetic as would be expected of a fully educated graduate of a traditional university.

Many profit and non-profit educational institutions are drinking at the government loan spout while at the same time “dummying down” the path to a degree. Government money is fueling the demand and the corresponding tuition inflation is creating a student loan bubble of catastrophic proportions. Many employers no longer value these degrees unless they are from certain very high-level schools; the kind of schools that even student loans from the government can’t cover.

Indentured servitude is a good metaphor for what is happening with the student loan fiasco; this is a truly abusive system that takes advantage of those with high hopes and trying to improve their lives. At least an indentured servant, historically, could learn a craft or a trade that was with them for life; what are these folks getting but membership in a new class of debtor?

With the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 student loan debt public or private is no longer dischargeable in bankruptcy court. Many of our younger citizens now carry their student loan debt around with them like the proverbial, “ball and chain” looking for a job from employers many of whom no longer value the degree. What is next? Will they bring back a “debtors prison”?

Our once very fine university system has been severely damaged by this phenomenon. Not all loans are bad and not all schools are “paper mills” but the trend is clear and this will end badly unless this system is rehabilitated.