Worry Bout Audience Analysis Word Count: 1000-1250 Essay

Length: 4 pages Sources: 3 Subject: Economics Type: Essay Paper: #88467511 Related Topics: Audience, Archeology, Loan, Liberal Arts
Excerpt from Essay :

¶ … worry bout audience Analysis Word Count: 1000-1250 words (This word count refers ONLY essay . It include audience analysis Works Cited page. If essay falls short minimum word count, I automatically deduct Writing Informative Essay (Corresponding chapter The Little Seagull Handbook: W-7) General Information An informative essay organized primary functions: report a unfamiliar topic; analyze meaning, pattern connections; explain works; explore questions answers.

Informative essay: The impact of the economic crisis upon young people

Although the consensus amongst economists is that the United States has extricated itself from the worst of the recession of 2008, the impact of the economic crisis is still palpable amongst many demographics within the United States. Recent college graduates are amongst the hardest-hit. Given the sluggish labor market, many new college graduates are struggling for work, while the previous generation was able to find jobs with much greater ease. These workers are burdened by high levels of student debt, and also have parents who may be struggling, because of lost jobs or the fact that retirement savings were likewise decimated in the credit crisis.

The facts are sobering. According to the New York Times, for the class of 2011 (who entered college when the credit crisis first manifested itself, "unemployment among recent liberal-arts graduates, at 9.4%, was higher than the national average, and student-loan debt, at an average of nearly $25,000, had reached record levels" (Penn 2012:1). "Approximately two years after college graduation, only slightly over half of the graduates were working full-time, and those fortunate enough to be in this position were earning on average $34,900" (Roksa & Arum 2012). This is noteworthy, given this is well after the recession had officially ended and is despite the fact that college graduates were less affected that blue collar employees by the economic downturn.

Furthermore, "only 5 of the 20 jobs projected to grow fastest over the coming decade would require a bachelor's degree" (Penn 2012:1)....

...

This means that for many of the unemployed, the job they get may not make full use of the capabilities and skills they have worked so hard to acquire in college -- and taken out so much debt to learn. The Drew University English major who cannot afford to make payments on her $128,000 student loan is a sadly all-too-typical case. One of her classmates is even studying to become dog groomer, to have a marketable, in-demand skill (Penn 2012:1).

Having a generation severely hampered by debt not only has profound consequences for the individual but also for the economy. Students who cannot pay off their student loan debt will also have difficulty buying a home, taking out a mortgage, obtaining other forms of credit, and achieving the big 'spending milestones' typical of the middle class in America. "Even in the best of economic times when jobs are plentiful, young people with considerable debt burdens end up delaying life-cycle events such as buying a car, purchasing a home, getting married and having children" (Touryalai 2012). In the United States, student loan debt exceeds credit card debt and "student borrowing topped the $100 billion threshold for the first time in 2010, and total outstanding loans exceeded $1 trillion for the first time in 2011" (Touryalai 2012). The average graduating college seniors in 2009 had $24,000 in student-loan debt and 15% of graduates had debt that exceeded $50,000 (Roksa & Arum 2012). Parents also suffer, since they often cut back on retirement savings to support their adult children, take out loans to help their children complete college, or act as co-signers for their children's loans.

There are also grave concerns amongst economists about the degree to which high levels of student debt are worsening the class divides within the United States. More affluent students borrow less (some, not at all) while students who are using college as an inroad into the middle class find themselves shackled to debt. "Only 52% of graduates from highly educated families borrowed, compared to 75% of graduates whose parents had no college experience. African-American graduates were substantially more likely to incur college debt than their white peers were (74% compared to 64%)" (Roksa & Arum 2012).

For…

Sources Used in Documents:

Works Cited

Goudreau, Nicole. "The 10 worst college majors." Forbes. 11 Oct 2012. 25 Jan 2013.

http://www.forbes.com/sites/jennagoudreau/2012/10/11/the-10-worst-college-majors/

"Help Wanted: Millions of Cloud-Skilled IT Workers Needed." Microsoft Press Release.

19 Dec 2012. 25 Jan 2013.http://www.microsoft.com/en-us/news/features/2012/dec12/12-19CloudWorkersWanted.aspx


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