Discussion On Whether Student Loans Are Actually Loans And How Much They Are Worth
Today, due to the availability of loans, various banking facilities such as marriage loans, housing facilities and so on. Most people in the community are familiar with and involved with loan related issues, including buying and selling. Hereof the first ambiguity that comes to mind is that, Does the credit rating and bank facilities is considered property to be the subject of transfers. And if the answer is yes, what is the criterion of this ownership, and what category of property is included. On the other hand, what rights the credit ratings and banking facilities does hold for the owner, on the basis of which, the credit obtained can be subject to transfer. Being a student you must have made your way to the Student Welfare Office once. For many students, in fact, the name 'Student Welfare Fund' is a difficult way to get a small loan for continuing education and of course, student life. Students who walk the university corridors with thousands of hardships and difficulties with their guarantors so that they can enjoy the University's small loan facilities. Most of these students face many challenges and take out loans, and with these few loans, spend their student lives; but at the end of their studies, they say goodbye to the university rather than repay the loan, and it is up to the university officials to look for a loan to repay. The matter that is now puzzling officials of the Ministry of Science is that, what can be done to convince those students who have received loans to repay? In fact, one of the concerns of the Ministry of Science is that, what to do with some delinquent debtors? Iranian students, for example, have about $ 130 billion in arrears and about 300,000 of them are still in debt. Of course, the number of students who have borrowed and finished their studies is higher, but now more than 300,000 graduates are still owed to the Student Welfare Fund of the Ministry of Science. While debt students do not apply to repay their loans, the fund will not be able to provide new students with facilities.
Now this essay seeks to answer the question whether student loans really are loans and how much they are worth?
Increasing demand for loans as costs increase
Increase in student accommodation costs and student food prices due to its transfer to the private sector was one of the factors that made some Iranian students in need of student loans to book student meals and dorms daily. On the other hand, the increase in tuition-based universities, including Payam-e-Noor University, Islamic Azad University, and the non-profit (private) university, increased the need for students to apply for tuition loan. So it wasn't that weird that the Student Welfare Officers who are responsible for allocating loans, Talk about budget shortages and student debt repayments every day. According to loan officials, unfortunately, as student loans increase, there are still some students who get loans and have no idea how to repay. The same graduates do not know that many students need this loan.
Student loans were reviewed by the Board of Trustees in 1398 and accordingly, student loans increased by 5 to 20 percent. In Iran, there are 2,700,000 students in total universities who should pay tuition, of this number, in the year 1392, one million and 200 thousand people applied for a loan, of all the applicants, only 280,000 were eligible for tuition loan. In other words, one out of every 5 people got a loan.
Increasing postgraduate students (masters and Ph. Ds. ) has reduced tuition loans. And as long as the debtors have no incentive to repay the loan and the importance of this is not proven to legislators, this problem will not be resolved and we have to come up with new solutions to this problem because the number of students is increasing every year and the fund also gets less and less with this kind of refund.
Student dissatisfaction with student loans
As the number of students has increased, tuition loans should also increase, but this has not. However, the process of applying for a loan has its own story. The student loan applicant registers on the Student Welfare Fund website and the student waits for his loan and there are to determine the amount of credit available and the number of loan applicants will determine the date on which the student receives the student loan. Given the limited funding available, it is ethical for the student to only use these public facilities when they really need. The amount of loan payments also varies depending on the student's financial and family circumstances. For example, a married or non-native student may apply for loans that a single student cannot avail. In accordance with Article 3 of the Student Loan Fund Student Loan Regulations in Iran, for each student during the course of study, a maximum of four loans shall be paid, up to a maximum of three regular loans, two required loans, one marriage loan, one special loan, one The computer loan and the other loans have been approved. Of course, if students become delinquent, they can no longer borrow money. However, some students who have taken out the loan or are on loan are still dissatisfied with the performance of the Student Welfare Fund.
Many students believe that delays and inconsistencies in student loan payments have created many problems for them. Of course there are still students who do not have the services and financial support of the Student Welfare Fund. 'We go to college student affairs every semester and apply for a tuition fee loan,' says one student, 'but they pay the tuition fee after applying for the loan, but we're a little involved this year and many problems, I was told by the fund officials that this semester is not valid yet. Of course, college lending has very strong rules.
The rules are not for the benefit of the students
The strict rules for student loan borrowing have not, of course, guaranteed student loan repayment; Officials at the Ministry of Science also know this. The rules for applying for a student loan are very burdensome, and we agree that these rules make lots of problems for students. We have also suggested and of course emphasized that these rules do not benefit the student. However, this is a welfare rules and students must apply it. However, the fund should also think about returning the money, and it is essentially a fund to support poor students.
On the one hand, there are students who are faced with the tough laws of the Ministry of Science for making small loans, and on the other, it is the Ministry of Science that has to think about delinquent students.
International Students
Continuing to study at European universities is always one of the most important choices for international students, but in recent years with the advent of economic crises like in the past one cannot easily move to the continent and the student's education and work is not easy to afford. Daily compensation. Students with limited work permits in Europe cannot fully cover their expenses through student work. Now in 2016 we average the cost of education in Europe so that those who want to study abroad can make the best choice for their budget.
Austria
Average tuition fee: For international students € 780 per semester (4 months): € 780
Average living costs: $ 11,000 to $ 13,000 a year
Austria is one of the oldest scientific centers in Europe. A quiet, borderless country with a culture. This country is usually compared to Germany, maybe a little bit more expensive than Germany, but more comfortable for students. Each semester all students must pay a membership fee of about $ 20.
Belgium
It has renowned universities. It is very diverse in terms of food, culture and race. The beautiful nature of the high quality of life and active labor market make the students a good chance to work after school.
Annual Tuition: From $ 960 to $ 4820 at all times
Annual Living Cost: Between $ 11,000 and $ 12300
Denmark
It is one of the destinations for European students who immigrate to other countries on the continent. Denmark is a happy country with high standards of welfare. 600 courses are taught in English at universities, and 86% of Danish citizens can speak English.
Annual tuition fee: $ 6,000 to $ 17,000
Annual Living Cost: $ 12,000
Finland
Finland is less expensive for students than elsewhere in Europe. But usually the cold weather in this country changes students' decisions. The cost of living is slightly lower than in other Scandinavian countries. Few universities in the country are free for masters and doctoral degrees. Overall, the country is rich and people enjoy a good level of prosperity.
Foreign students can apply for a variety of grants to study at Finnish higher education institutions. Each Finnish higher education institution has its own financial aid payment system for those students who come from outside the EU and outside the European Economic Area and are accepted for study in undergraduate and postgraduate courses in English.
For example, depend on how successful you are in your studies Getting help can, the amount of this grant may be equal to or part of the total tuition. Some donations can also go to other expenses. Sometimes it is necessary to get a scholarship. You can apply for financial aid at the same time as applying for a place of study.
There is also a special master's degree program called the Erasmus Mundus Curriculum. The Ministry of Education has programs to apply for scholarships for those students who come to Finland for a doctoral degree. American students can apply for the Fulbright Scholarship.
France
Besides being popular among tourists, it is also one of the destinations of international students. It has a strong and ancient culture and most students who are interested in the language of the country choose to study in France. The cost of studying for international and domestic students at public universities is the same. There are many private universities in the country that cannot provide exact statistics on their tuition fees, but public universities are either very cheap or almost free. The cost of living in the capital is higher than in other parts of the country, and most students live in smaller cities.
Average annual tuition fee: $ 260 to $ 285 (slightly higher than undergraduate)
Annual Living Cost: $ 10500
Germany
In Germany undergraduate tuition is free for all students, both domestic and international. It has the highest number of foreign students among non-English speaking countries. Students who have obtained their undergraduate degrees in another country must pay for higher degrees. The Ph. D. course is almost free for 6 semesters and students only pay about $ 270 for college. In order to obtain a visa and undergraduate degree, it is necessary to know the German language and to be accepted in the student's country of residence.
Republic of Southern Ireland
Ireland has well-known training centers and universities. Rich culture, young and happy people as well as the beautiful nature of healthy and organic food are all advantages of this country that fascinate foreign students. The post-graduate employment rate in the country, especially in computer-related jobs, is very high and does not require language knowledge to apply for a visa. Students from other EU countries can only study in Ireland for only € 3,000 for the whole course. Its infrastructure allows the student to live at a low cost.
Italy
Tuition for private Italian universities requires more than $ 15,000 per year, but public universities receive between $ 900 and $ 1,100 and higher tuition of about $ 1,600. Foreign and domestic students have the same chance of receiving a scholarship and are awarded based on their financial need and level of knowledge. Students can use other facilities if needed, such as student loans, accommodation allowances, free meals.
Norway
Studying in Norway and in public universities is free of charge, and only in some cases will you be paid a bachelor's degree if you study in a particular field. This may not exceed $ 40.
Annual tuition fee: Free
Annual Living Cost: $ 13,600
Russia
Russia is the largest country in the world and has its own culture and system. It is not part of the European Union. In Russia there may be more universities than in the whole of Europe. It has a very rich history and culture, and most of its universities teach Russian. The authorities have recently decided to extend English language teaching to universities in the country to benefit from international students' admission. The cost of living is low compared to other cities in Moscow and other regions, and talented students can receive scholarships from the Russian government.
Average annual tuition fee: $ 3900 to $ 7700
Annual Living Cost: $ 7500 to $ 10,000
Spain
It has good universities but is not ranked in the top 50 universities. Students who want to study and study Spanish and live in a relaxed environment choose Spain to continue their education. Madrid is one of the few capitals that is suitable for student life in terms of cost. Valencia also has many facilities and two universities and is the third city where students are very interested in living and studying.
Average tuition per year: $ 1400 to $ 1,600 for undergraduate public universities
Annual Living Cost: $ 11800 to $ 14400
Sweden
Citizens of this country and EU countries have undergraduate degrees free of charge and other international students must pay tuition annually. The tuition system in this country is similar to Denmark.
Average annual tuition fee: $ 10500 to $ 17500
Annual Living Cost: $ 11500 average
Switzerland
It has well-known universities in Europe and the world, such as ETH ZURICH - EPFL. The cost of education in this country is reasonable, but the cost of living is higher than in other parts of Oppa. It has a good platform for students who want to pursue a degree in hotel and tourism or international banking. In Switzerland, citizens pay a fixed fee at all times of the year. And international students have to pay about $ 500 more.
Average tuition is $ 1250 to $ 2200 + $ 500 for undergraduate and $ 98 more for undergraduates.
Annual Living Cost: $ 17750 to $ 27,600
The Netherlands
The Netherlands is home to many international students from around the world. The cost of living and studying for EU citizens is almost similar to that of other member states and is known as the country of wealthy students in Europe. The beauty and luxurious life of the country and its special social freedoms attract many students every year to continue their studies in this country.
Average annual tuition fee: $ 6500 to $ 13,000
Annual Living Cost: $ 10400 to $ 14300
England
It is the capital of higher education in the world and has long had a worldwide reputation for education. Because of the abundance of universities, choosing is not easy. The cost of living in London is very different from other cities in the country and it is better to live in a more affordable place, check out the universities of Scotland or Northern Ireland.
Average annual tuition fee: $ 14500 to $ 18400
Annual Living Cost: About $ 17,000
Conclusion
If you think that concept of property is absolute, it is false because,It is incompatible with the circumstances of societies and the needs, motivations, desires and desires of the people, but property is a relative concept that changes the face and situation of different people at different times. Credit privileges and banking facilities are owned because they are beneficial on the one hand and meet the needs of individuals in the community, such as credit privileges and housing purchasing facilities, and on the other hand, they can be assigned to individuals and individuals. Society can own it and own it.
Credit ratings and banking facilities are property because the custom considers the credit rating of the loan and the ownership capability which is a prerequisite for ownership of the loan. On the other hand, this privilege is favored by the people of the community, and today there are fewer people in the community who do not tend to get loans and banking facilities, and because of this willingness and willingness to trade in that privilege. It is about trading and trading. Credit ratings and banking facilities are financial rights because they are capable of trading on the one hand and are able to value money on the other.
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