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04/22/2017

Wyatt Carroll
11:30 MWF English
Ms. Watkins

Dear Mr. President,


Hello, my name is John Jacob Jingleheimer Schmidt. Congratulations, on winning the 2017
Presidential Election. Im looking forward to seeing a change in America, and I think youre the
man to do it. One change I was wanting to bring to your attention is regarding, higher education
and its cost. I know you have a lot of work, so I wont take much of your time.
Everyone wants to go to college and get a degree in something they want to be in life, but there
is an issue with that, and that issue the cost of higher education. We pay too much to go get an
education, especially if its only for two years. Every year, more and more students leave college
with thousands of dollars in student loans, that is next to impossible to pay back. Some people
choose to forgo getting an education after high school, or cannot afford to get an education after
high school because of the cost for college tuition. We should give the American people more of
an opportunity to get an education, by lowering the cost and have more opportunities to apply for
and receive scholarships to help pay for college tuition. Its time we give the American people a
chance to get a higher education, and not have to worry about having massive amounts of debt to
pay back.
Some Americans are refusing to get a higher education because of the prices to get in a college.
They are too high in price, especially for out of state students. They dont want to go to another
college, because of the prices there. College Data reported, that tuition and fees for 2016 to 2017
school year for in-state residents attending a public college was $9,650, and for out of state
students attending a public college was $24,930. This does not include books, other school
supplies, housing, and transportation (4). The cost for room and board for a four-year public
college was $10,440 (5). The cost for books and other supplies was $1,250 at a public college
(6). The cost for transportation to and from a public college was $3,270 (7). Student must get
loans to help pay for these expenses, and nothing is worse than being in debt with student loans.
Trying to pay off student loans is worse than a credit card. In a CBS news report, titled, Why
College Debt is the Worst Debt stated, student debt is particularly damaging for those who are
struggling to pay off their loans. Those that borrow money get piled with fees, penalties, rapidly
accumulating interest, and they face ruined credit, and a debt that is twice the amount than their
original loan balance. (6). It is especially damaging to the credit score if these loans go into
default, which in turn makes it more difficult to purchase anything via your line of credit. There
are ways to help people keep from going into default, such as forbearance or deferment, but the
debt is still there and the interest continues to build. With the interest rate being at 6.8% for
subsidized loans and 4.29% for direct unsubsidized loans, even though that is a fairly low
interest rate, will add up fast and easily double the amount you owe quickly.
With the rising cost of tuition fees, students need to find other means to help pay for their tuition.
Scholarship money and Federal Student Assistance seems to be the go to funding to help bridge
that gap, but with todays economy there is less money for Student Assistance. Government
Budget cuts across the board have been detrimental in the aid to help States with funding for
college. Take the State of Oklahoma for instance, the state is ranked #5 in the Nation for college
affordability (1-4). But the state its self has had to cut budgeting back for education. The
Student Assistance for the State of Oklahoma for the 2017 fiscal year has been decreased -7.9%,
while the States scholarships have increased 10.4% (1-4). The state of Oklahoma is trying to
make up for this decrease, but they have their own financial issues and had to make budget cuts
in other ways regarding higher education (1-4).
It seems like you need to be rich in order to go to college. I firmly believe that if you, Mr.
President, want to make America great again, you should start with the future college
graduates. These young adults are the ones that will be running future businesses in this country.
They will be responsible for future inventions, technology, medical cures, etc. These young
adults need all the help they can get in order to compete internationally for cutting edge jobs,
careers. We are losing that edge daily to international countries, because we, the United States,
have put good education on the back burner. We, the United States, have become lost in our goal
as far as being the most cutting edge in everything. We have become more and more ignorant in
the way of the World because jobs around the world are open to everyone, nationally and
internationally. This intern causes us to lose jobs because we do not have the education to
compete. When we lose jobs, we lose the economic growth as individuals. We cannot afford the
payment of your student loans when we are only making minimum wage. If we do not put
education first in the priorities of the nation, I am afraid of where we will be in the coming years.
I am asking you, Mr. President, to become the peoples spokesperson, the advocate you have
promised to be, become the voice of reason and work with the Federal Government to put
Education first. We, the people, need to see action towards this common goal. We should be the
better competitor again, but we have been lacking knowledge and initiative to be #1.
Mr. President, knowledge is key. I work hard myself, with my parents, to not have to get student
loans for my education. My parents have put their own lives on hold to ensure I have all the
opportunities and have no debt to start the beginning of my life. I am begging you and our
Government to please help people like my parents and myself, to help the future of America
continue to work towards our dreams of making this country great again.

-Sincerely

Wyatt A. Carroll
Works Cited
http://www.collegedata.com/cs/content/content_payarticle_tmpl.jhtml?
articleId=10064. n.d. Artical. 22 April 2017.
Oklahoma State Regents for Higher Education. www.okhighered.org. June 2016.
Report. 25 April 2016.
Wasik, John. http://www.cbsnews.com/news/forget-bad-debt-college-loans-are-the-
worst-debt/. 23 January 2017. News Report. 22 April 2017.

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