Thursday, August 11, 2011

Average Student Loan Debt By State

As previously discussed here, the amount of student loan debt that college graduates are incurring. Below is the average student loan debt by state. This data includes both public and private non-profit 4 year universities. It should be noted that if, for example, a student attends college in New York, but resides with his or parents in Texas, the average debt would be included in the information presented for New York.

State
Avg. debt
Alabama
24,009
Alaska
26,344
Arizona
17,393
Arkansas
19,880
California
17,326
Colorado
20,866
Connecticut
25,038
Delaware
17,200
District of Columbia
30,033
Florida
20,766
Georgia
16,568
Hawaii
N/A
Idaho
N/A
Illinois
22,049
Indiana
25,246
Iowa
28,883
Kansas
20,454
Kentucky
19,112
Louisiana
19,677
Maine
29,143
Maryland
19,984
Massachusetts
24,484
Michigan
25,458
Minnesota
27,467
Mississippi
22,566
Missouri
21,360
Montana
22,346
Nebraska
22,361
Nevada
16,742
New Hampshire
29,443
New Jersey
22,731
New Mexico
21,478
New York
25,739
North Carolina
19,983
North Dakota
22,030
Ohio
25,842
Oklahoma
20,469
Oregon
22,417
Pennsylvania
27,066
Rhode Island
26,573
South Carolina
22,277
South Dakota
23,581
Tennessee
20,678
Texas 
20,015
Utah
12,860
Vermont 
27,786
Virginia
19,918
Washington
19,780
West Virginia
22,054
Wisconsin
22,904
Wyoming
17,084


Source:

Monday, August 8, 2011

The Burden of "Acting White": Fact or Fiction?

One of the most influential publications addressing the black-white achievement gap is the article "Black Students' School Success: Coping with the Burden of Acting White" written by Signithia Fordham and John Ogbu in 1986. In it, Fordham and Ogbu claimed that the “burden of acting white” is pervasive in the black community and this partly explains the underachievement of black students (Fordham & Ogbu, 1986). Among black students, the term "acting white" is most often used in reference to other black students who use language or ways of speaking, display attitudes, behaviors or preferences, or engage in activities considered to be more in line with white cultural norms (Tyson, Darity, & Castelllino, 2005). Though what constitutes acting white varies by region, social class, and age, some constant examples include listening to heavy metal or country music in addition to activities such as surfing. Most significantly, the term has been most used with respect to academic performance and success. One study, which used a focus group for its sample,  revealed the qualities most identified as "acting white" included 'being in honors or advanced placement classes' in addition to other items such as 'dressing clothes from the Gap or Abercrombie and Fitch.'  (Neal-Barrett, 2001). Fordham and Ogbu (1986) asserted that  the negative connotation associated with the term "acting white" was part of a larger oppositional peer culture constructed by black Americans in response to their history of enslavement and the persistent inequality they face. Furthermore, academic achievement was posited to not be valued because it is perceived as conforming to standard norms of success among white Americans and also because it is perceived to not pay off for African Americans the way that it does for other racial or ethnic groups (Fordham & Ogbu, 1986). As a result, African American students striving for success often have their cultural authenticity called into question and are accused of "acting white." The choice between representing an authentic (black) self and striving for academic success is what is purported to create the burden of acting white and contribute to the poor academic achievement among black students (Fordham & Ogbu, 1986).

Although Fordham and Ogbu's (1986) paper was published 25 years ago, there has been little empirical evidence to substantiate the paper's claims; still there is a strong public belief in its assertions (Tyson, Darity, & Castelllino, 2005).  Studies published since 1986 have discounted the oppositional culture hypothesis while others have found little empirical support for the related "burden of acting white" hypothesis. For example, Ainsworth & Downey (1998) found that blacks actually had more pro-school attitudes than white students. Similarly, Cook and Ludwig (1998) found no significant difference between black and white adolescents in the degree to which they valued academic achievement; this study also found that there were more social benefits than costs for African American students regarding high academic achievement. There are a few studies that have, however, found some evidence of an oppositional culture among black students. Neal-Barnett (2001) found that high-achieving black students are often charged with "acting white" and some respond by undermining their academic performance in order to affirm that they are an authentic member of their racial group. Thus, results are mixed in terms of being able to state definitively that poor academic achievement among African Americans is the result of not wanting to conform to white cultural norms though the literature as a whole indicates that there may be other more significant factors than this contributing to the achievement gap.

In their 2005 study, Tyson, Darity and Castellino (2005) sought to contribute to the debate about the burden of "acting white." Specifically, the study looked at more than one or two school environments (including eight North Carolina schools in its sample), a rarity in this line of research, in order to get a clearer sense of whether an oppositional culture truly exists. This study also looked to distinguish the burden of acting white from other, less racialized dilemmas of high achievement. Overall, Tyson, Darity and Castellino (2005) found an expressed desire among black students to do well academically. In terms of the decision to take an honors or advanced placement class, student responses centered on how they thought they would do in the class with consideration of whether they thought they were academically prepared, how willing they were to take on the workload, and whether they were likely to earn a good grade (Tyson, Darity & Castellino, 2005). A large percentage of students chose not to take advanced courses, but not specifically due to concerns about negative peer reactions to achievement related to race (Tyson, Darity, & Castellino, 2005). Interviews revealed that one student avoided advanced courses because she did not want to take on more school work while another student doubted his ability to master the material. An African American female in her last year of high school, said that black students "could fit in either [honors or regular classes] group, but I think they're more likely...in regular classes." When asked why, she says that, "Maybe they feel they can't do it...They wouldn't be able to make the grade in the class to pass (Tyson, Darity, & Castellino, 2005). So, contrary to the burden of acting white hypothesis, many of the African American students who avoided advanced classes did so for fear of not doing well academically (Tyson, Darity, & Castelllino, 2005). In terms of the motivation to not take honors classes, one must consider that all students, regardless of race, need to feel competent and that they work to preserve a positive self-concept (Tyson, Darity, & Castelllino, 2005).

The accusation of "acting white" may not be extremely prevalent but there are students have been accused of this to some degree. Two high-achieving black female students at rural Dalton High School in Mayodan, NC reported being accused of acting white by their black peers due to their academic achievements. One student in particular was called a "white girl" and an "Oreo" by her black classmates in middle school after being placed in advanced courses (Tyson, Darity, & Castelllino, 2005). The study also notes that, in some places, the underrepresentation of African Americans in honors and AP classes leaves them vulnerable to the perception that they are arrogant by their peers (Tyson, Darity, & Castelllino, 2005). One student stated: "The problem comes from society because it is ingrained in us that blacks must act, speak, dress a certain way and if you deviate from those expected norms your blackness is questioned” (Tyson, Darity, & Castelllino, 2005). Other students reported that "acting white" was again associated with non-academic related behaviors such as skateboarding or surfing. Overall, a burden of "acting white" was found to not be as pervasive in African American peer groups as Fordham and Ogbu (1986) would have one to believe. Black students were found to be teased for being smart, but such teasing was not found to be racialized (i.e. specifically linked to cultural identity); instead, it was found to be no different from the typical teasing that other high-achieving students experience. While the some students like the one called an "Oreo" were hurt by teasing, others found the teasing to be harmless and most downplayed its importance (Tyson, Darity, & Castelllino, 2005).

Because the allegation of "acting white" overall did not deter students from enrolling in advanced courses, this study found little evidence that this was the primary reason that African American students tend to do poorly in school (Tyson, Darity, & Castelllino, 2005). Additionally, reports from both African American and white students suggest that the burden of high achievement based on either race or social class may be a common experience in schools in which high-status groups are perceived to be privileged; as a result of their privilege, students in advanced courses may direct hostility toward them. Therefore, when African American students have oppositional attitudes, this orientation may not be the result of having been born black, but may be connected to everyday experiences of inequality in placement and achievement. In this same study, a similar process was found among low-status white students as class distinctions provided a way for them to understand their relative under-achievement while maintaining a positive self-concept. For blacks, academic achievement can become another characteristic delineating the "boundaries of whiteness" while for low-income white students, it can be a marker of social class (the "haves" versus the "have nots") (Tyson, Darity, & Castelllino, 2005). Thus, most problematic for both blacks and low income whites was the perception that the low-status student was attempting to assume the characteristic of the "other" specifically taking on an air of superiority (Tyson, Darity, & Castelllino, 2005).The actual burden may therefore be more related to high achievement in general as opposed to "acting white." Associating high academic achievement with 'whiteness' may simply be the form that this burden takes in the African American community, making it more an element of a larger issue than an entirely race specific phenomenon.

More research needs to be conducted in to learn more about what role the burden of "acting white" may play in the achievement gap. The study by Tyson, Darity and Castellino (2005), however, reveals the burden may actually be related to actual composition of the advanced courses and how placement is such classes may create divisions and, as a result, animosities at the group level. It is still yet to be determined whether the actual burden of acting white as "real phenomena" is fact or fiction, but preliminary findings indicate that poor academic achievement is a complex, multi-faceted issue.

References:

Ainsworth-Darnell, J.W. and Downey, D.B. (1998). Assessing the oppositional culture explanation for racial/ethnic differences in school performance. American Sociological Review 63:536-53.

Fordham, A. and Ogbu, J.U. (1986). Black students’ school success: coping with the ‘burden of acting white. The Urban Review 18:176-206.

 Cook, Philip J. and Jens Ludwig. (1998). The burden of acting white: do black adolescents disparage academic achievement. Pp. 275-400 in The Black-White Test Score Gap, edited by Christopher Jencks and Meredith Phillips. Washington, D.C: Brookings Institute Press.

 Neal-Barnett, A. (2001). Being black: new thoughts on the old phenomenon of acting white.” Pp. 75-87 in Forging Links: African American Children: Clinical Developmental Perspectives edited by A. Neal-Barrett, J.M Contreras and K.A. Kerns. Westport, CT: Praeger.

Tyson, K., Darity, W., & Castellino, D.  R. (2005). It’s not “a black thing”: understanding the burden of acting white and other dilemmas of high achievement. American Sociological Review, 582-605.

Saturday, August 6, 2011

This Day in History: August 6

-Norwich University is founded in Vermont as the first private military academy in the United States, 1819

-Bolivia gains independence from Spain, 1825

-Lucille Ball, American actress and comedienne, is born, 1911

-Serbia declares war on Germany while Austria declares war on Russia, 1914

-Gertrude Ederle becomes the first woman to swim across the English Channel, 1926

-U.S. President Lyndon B. Johnson signs the Voting Rights Act of 1965

-Holiday: Independence Day (both Bolivia & Jamaica)

Thursday, August 4, 2011

Environmental Concerns: Habitat Fragmentation

What is it?
Discontinuities in an organism's preferred environment causing population fragmentation (a form of population segregation). Habitat fragmentation includes 5 discrete phenomena:
  • Reduction in the total are of the habitat
  • Increase in the interior-edge ratio
  • Isolation of one habitat fragment from other areas of habitat
  • Breaking up of one patch of habitat into smaller patches
  • Decrease in the average size of each patch of habitat


What causes it?
Natural causes
  • Volcanism
  • Fire
  • Climate Change
Human Causes
Habitat fragmentation is frequently caused by humans when native vegetation is cleared for human activities such as agriculture, rural development, urbanization, and the creation of hydroelectric reservoirs. As a result of these activities, habitats that were once continuous become divided into separate fragments. These separate fragments tend to be isolated from each other separated by cropland, pasture, pavement or barren land. 


Implications
Habitat fragmentation reduces the amount of available habitat (such as rain forest, oceans, marshlands, etc.) for all organisms in an ecological niche. It also involves some degree of habitat destruction. Plants in these areas are usually directly destroyed while mobile animals like birds and mammals retreat into patches of habitat. This often results in crowding and increased competition which may be due in part to the fact that the remaining habitat fragments are smaller than the original habitat. Another issue with fragmentation is that species that cannot move between fragments must make due with what is available in the smaller, isolated patch of habitat; unfortunately, habitat fragments are rarely representative samples of the initial landscape making it difficult for less mobile species to survive. Thus, of significant importance is the area of the fragment.  The size of the new habitat influences the number of species which are present when the fragment was initially created and also influences the ability of these species to survive in the fragment. Small fragments can only support small populations of plants and animals; small populations, however, are more vulnerable to extinction. Therefore, habitat fragmentation is an important cause of species extinction.

Historical Figures: Orzell Billingsley, Jr.

Orzell Billingsley, Jr

(October 24, 1924 - December 14, 2001)

Orzell Billingsley, born in Birmingham, Alabama in 1924, was one of the first African Americans admitted to the Alabama Bar after graduating from Talladega College and Howard University. During his law career, he was deeply involved in civil rights litigation representing both Martin Luther King, Jr. and Rosa Parks during the 1955 Montgomery Bus Boycott. He also helped to incorporate more than 20 small towns in Alabama that consisted of majority black populations and founded the Alabama Lawyers Association.. Billingsley is perhaps most well-known for his 15 year defense of Caliph Washington who was falsely accused and later convicted of killing a white police officer by an all-white jury. A significant legal ramification of this case was the end of all-white juries. Active in political causes, he was often called upon by Presidents John Kennedy and Lyndon Johnson regarding racial tensions in Alabama during the 1960s. Billingsley also fought for a re-write of Alabama's 1901 Constitution and assisted in the establishment of the Alabama Democratic Conference while striving to to offset the segregationist policies of the Alabama Democratic Party.  

Orzell Billingsley, Jr., a widely respected legal authority and representative for the interests of African Americans known as the "black Patrick Henry of Alabama", died of natural causes in Birmingham, Alabama in 2001.

Source: 
http://www.bplonline.org/resources/BlackBirmingham.aspx

Tuesday, August 2, 2011

Rising Student Loan Debts: Current U.S. Facts & Figures

While everyone from high school teachers and guidance counselors to President Obama have long been encouraging young people to attend college, there is one aspect of post-secondary life that many conveniently forget to seriously discuss: student loan debt. College can be integral in obtaining certain kinds of employment and helping to expand one's intellect, but the costs with it often deter many from attending and some from even applying for admission. This is especially true in low-income communities which see a lower percentage of high school graduates attending 2- or 4-year colleges or universities (here). Those who do attend college, despite rising costs, tend to graduate with a substantial amount of debt.  Currently, a large percentage of young people are taking on federal and/or private loans with little discussion of interest rates and, most importantly, what the final debt will actually be leaving many shocked at the final figure.


The National Post-Secondary Aid Study (NPSAS), conducted by the Department of Education, is a nationwide survey designed to determine how undergraduate students and their parents pay for college. In 2008, NPSAS found that 67% of students graduating from 4-year colleges or universities had student loan debt; this is a 27% increase from 2004. NPSAS also found that:
  • 62% of graduates from public universities had student loans
  • 72% of graduates from private, non-profit universities had student loans
  • 96% of graduates from private, for-profit universities had student loans
Acquiring loans in itself is not necessarily a bad thing as many families do not have huge sums of money saved in order to pay for college outright. The amount of debt that students are taking on, however, has steadily increased over the years. 
  • Average debt at public universities: $20,200; a 20% increase from the average of $16,850 in 2004
  • Average debt at private, non-profit universities: $27,650; a 29% increase from the average of $21,500 in 2004
  • Average debt at private, for-profit universities: 33,050; a 23% increase from the average of $26,850 in 2004
If these debt averages were not high enough, more students than ever are graduating with $40,000 or more in student loans. In 2008, 10% of the graduates from 4-year colleges or universities owed at least $40,000, up from just 3% in 1996. To put it in actual figures, the number of students graduating with substantial debt has increased from about 23,000 students in 1996 to 206,000 students in 2010. There does seem to be racial differences in the percentage of students with high debt as African Americans are the most likely among all racial/ethnic groups to graduate with high debt (again $40,000+). Unfortunately, 4 out of 5 borrowers with high debt have private, non-federal loans which lack important repayment options and consumer protections  afforded to those with federal loans.

Low income students, who are generally thought to reap most of the benefits of financial aid, are also not escaping huge student loan debts. The NPSAS revealed that Pell Grant recipients, whose families earn less than $50,000 per year, are not only much more likely to borrow money for college but also  more likely to borrow more than a non-Pell Grant recipient. Specifically, among graduating seniors who had received a Pell Grant, 87% had student loans with an average debt of $24,800;  fourteen percent of Pell Grant recipients graduated with $40,000 or more in loan debt. Pell Grant recipients who graduate from 4-year for-profit colleges or universities are also more likely to carry at least $40,000 in debt.

In covering the increase in student loan debt, The Huffington Post recently published a story entitled "Majoring in Debt" about college or graduate students with astronomical amounts of debt (see here). The stories presented clearly indicate the ways in which debt can stop one from making decisions such as going to graduate school and starting a business. They also illustrate how debt can change one's perspective on the years they spent in college or graduate school. Jason Watson is a an example of this; Watson, law student at the University of South Carolina, will be $150,000 in debt by the time he graduates. In the article, he states "The debt feels crushing to say the least and it leaves me wondering whether the benefit of a legal education will be worth its cost (here)" Another featured student, Scott Adams, agrees with this sentiment saying "I was just trying to get ahead and it put me more behind. College is a scam unless you can pay for it or get it for free (here)." The ability to enjoy the supposed financial benefits of advanced education is also questioned as Watson says "I'm not sure how I will be able to provide for my wife and son while coping with debt I've amassed in six short years (here)." Other students grapple with their decision to attend college and wonder if attending is a Catch-22; Bliss Davis, an undergraduate at Bowling Green State University who is $40,000 in debt, says "The hardest part about owing so much is knowing that I am being judged for my decision to go to school. If I had not gone to college, I would be considered another statistical waste of space (here)."

Due to the increasing amount of debt that undergraduate students are at times forced to take on, it is imperative that teachers, guidance counselors, and parents speak with their students/children about the potential long term effects of substantial debt. This will result in an informed decision regarding where and whether to attend school at the time. At a higher level, politicians and education 'reformers' should come to understand that one's socioeconomic status and ability to access loans do matter. Therefore, schools and communities, especially those with a high percentage of low income students, should not penalized or looked down upon if students are choosing to forgo college in high numbers. For many, the debt associated with higher education does not outweigh the benefits of an undergraduate degree even if such debt is considered "good."  This may especially be true if the high unemployment and underemployment rates, particularly in low income communities and among people of color, are considered. While student loan debt is ultimately in the hands of the student who incurred it, the state and federal government should look for ways to mitigate crushing debts related to college education in order to make higher learning accessible to anyone who desires to obtain it.


Sources:
http://projectonstudentdebt.org/files/File/Debt_Facts_and_Sources.pdf
http://ticas.org/files/pub/High_Hopes_Big_Debts_2008.pdf

Saturday, July 30, 2011

Political Alternatives: The Green Rainbow & Libertarian Parties


The current political deadlock over the debt ceiling has many frustrated with both the Republican and Democratic parties and disillusioned with the American political system. While U. S. politics is  essentially dominated by a two-party system, there other political parties that often produce candidates for a variety of local and state elections. 



Green Rainbow Party (MA; known as Green Party nationally)

Taxes & the Economy

  • Supports an ecological approach to economic security in which economic enterprises are a compatible, integrated part of local communities with increases emphasis on local cycles of production, consumption, and recycling
  • Calls for tax fairness measures to be implemented to address the unfair tax burden in which lower income people pay a higher percentage of their income in taxes and fees than do wealthier citizens and corporations
  • Supports the repeal of the constitutional constraint that forbids providing tax relief by taxing lower income residents at a lower rate than higher income residents
  • Supports legislation that would return any state-owned land deemed surplus to local communities to be used for affordable housing, local agriculture, public open space or enhanced community sustainability
  • Supports programs to create community-based green jobs such as renewable energy, energy efficiency, sustainable agriculture, public transportation and recycling
  • Supports the pursuit of food security by increasing the fraction of food that is locally grown
  • Opposes increased reliance on regressive forms of revenue production such as the sales tax, gambling casinos, the state lottery and fees

Health care


  • Support moving to a single-payer health care
  • Calls for the elimination of any penalties upon people who do not purchase private health care coverage 
  • Demands that steps be taken to ensure that people do not lose their health coverage when their employment situation changes

Education


  • Calls for a value-oriented public school system that emphasizes the importance of literacy, good citizenship, civic participation and healthy self-realization
  • Opposes the privatization of public education 
  • Supports access to quality, free public education at all levels and support significant rollbacks of tuition and fees at public colleges and universities
  • Supports real commitments to eliminate disparities in education and prohibit using standardized tests to punish students



Libertarian Party

Taxes & the Budget

  • Supports cutting taxes 
  • Supports reducing a defense budget it believes a large percentage of is spent defending "wealthy countries like Germany and Japan"
  • Also supports ending or reducing foreign aid which it calls "welfare for nations"
  • Opposes bailing out private industries

Health care


  • Supports establishing Medical Savings Accounts
  • Supports deregulating the health care industry
  • Supports removing barriers to safe, affordable medicines


Poverty & Welfare

  • Supports ending welfare; believes that the government should "get out of the charity business" and allow private charities and groups, who it believes to be more efficient, to help the truly needy
  • Supports establishing a dollar for dollar tax credit for contributions to a private charity; believes this will help to facilitate a transfer from government welfare to private charity
  • Supports eliminating barriers to economic growth such as the minimum wage and mandates benefits
  • Believes that poverty cannot be solved without addressing public education system; supports school choice and a free marketplace in education
Source: www.lp.org