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09/25/2012

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Clara  Essen

College Education moved to a new level,with new technology and great ideas. There are many questions about "Cost of Higher Education and student loan debt".
Higher education is one sure thing that stay with to your grave. This article presents a lot of positive answers.
I lost my job,and I came to school to retrain myself for higer paying job. I wil creat the job for myself.It is good to coose a course that its' market value is in demand. the school provides you an academic Adviser. "
Education has value in the hands of one who knows how to use it and think critically."
Clara Essen.10/15/12

Clara Essen

College, Education moved to a new level, with new technology and great ideas. There are many questions about "Cost of Higher Education and student loan debt".
Higher Education is one sure thing that stays on with you, in to your grave. This article presents a lot of positive answers.
I lost my job, and I came to school to retrain myself for a higher paying job. I will create the job for me to give back to the society.It is good to choose a course that its' market value is in demand. The school provides you an academic Adviser. Education has value in the hands of one who knows how to use it well and think critically.

Amethyst  Ralph

When Robinson mentioned the tax credit, I had no idea about it. I never heard any information about this credit until reading this article. In Robinson’s article I did learn about what the tax credit is, and how it is applied to those making less than 90,000 or families with joint filers making less than 180,000. I cannot really form an opinion about this tax credit until I see more information and maybe some actual reports. Robinson wants to eliminate this tax is going towards families who can actually afford college. Families making 100,000 to the 180,000 range are able to receive this tax credit. This is persuasive in a way that the government could stop abuse of this tax, but getting rid of this completely would hurt many students and families who need it. Robinson cited the book College Choices: The Economics of Where to Go, When to Go, and how to pay for it, she says studies have not shown that it increases the number of students attending college. I feel there are some flaws with this source considering it was written in 2004. Statistics and studies change year to year, so this source does not make me feel as if I could really solely relay on it. Hacker and Drifus might agree to what Robinson is saying in her article. They believe in affordable schooling for all Americans. They interviewed schools across the country and introduced schools who have progressive ideas about education. On page 183 in They Say I Say, They talked about Cooper Union. The students are not in debt and can go into fields of actual interest. Hacker and Drifus states, “Without the ministries of debt, they contemplate limitless possibilities. Cooper can do that because it dedicates its endowment to a tuition-free education; other well- endowed universities might do well and follow suit.” They believe if schools were not as expensive more people would be able to go and invest in an education they want. Robinson believes that it is time to end higher tax credit. The amount of federal aid a university gets the higher the tuition can go. Robinson states, “It’s time to end higher education tax credits. The cash-strapped federal government can’t afford to spend money on programs with dubious benefits and myriad problems.” They both want schools to be well funded, however, they both want institutions solely focused on the education and not the money aspect. They want affordable solutions for institutions. In my situation my family does not receive a tax credit. My Father is disabled and does not pay taxes. I am lucky to receive financial aid as well as scholarships and grants. Since I am in a community college this does affect how I see my future in a higher institution. If it is way too expensive I might not be able to attend because of my families money situations. This issue is running rampant in our recession ridden economy. So even if a tax credit is applied most students will not be able to afford college as is.

Andrea Duenas

When Reading this article I had no prior knowledge of exactly what tax credits for education was. When I began to read more I realized that I agreed with Robinson on abolishing the tax credit on people who can actually afford college. Since tax credits are used for Pell-grants for students attending college, it only makes it fair that people who actually need it get the help. Many people abuse this tax and get help from the government for their education when in reality they have enough money without the grants to go to college. I am a student that tries every year to try to get from the government and never succeeds to. I do not benefit from financial aid other than a fee waiver for classes. The government considers my dad to make too much when in reality it does not hit close to their cut off mark which is 90,000 in income a year. Jenna Ashley Robinson says that these tax credits have little or no effect in enrollment in college. Although I do not agree that these higher education tax credits should end for the fact that many people who are actually using this money for their education. It is true that the government spends large amounts of money of education a year, it is not enough. We should be putting more money into the budget of education. For these past years, our education systems have been suffering because of the lack of funds the government fails to provide. I feel that if our government does not want to be spending large amounts of money and are tired of people abusing the system then they should require more of a student to report. Many people use the system to get help from the government for their education but often they are not using the money for their education and they decide to use it for something else.

Javier Flores

In the article “It's Well Past Time to Slash Higher Education Subsidies,” by Jenna Ashley Robinson discusses that the governments attempts at encouraging more individuals to partake in the act of higher education by providing tax breaks or tuition tax credits for the students, is doing little or no effect on college enrollment and have also become a way for some to abuse the system. Before I begin however, I have to admit that I had no prior knowledge of what, the American Opportunity Tax Credit (AOTC) and the Lifetime Learning Credit, were about. After reading this article I got a small taste of what these two tax credits were about. As an individual who is currently going to college and is actually benefiting from some of these program I have a few things I agree with Robinson. I have to agree that there should be much stronger guidelines when it comes to receiving some of these benefits, I mean as Robinson stated “A valid Social Security Number is required for Federal student aid but not for education credits.” The tax credit error of 2010, which cost taxpayers $3.2 billion, and not just that, the tax credits were awarded to individuals who were in prison, had no valid SSN or were unable to prove they attended any institution of higher learning. This lead to, as mentioned in the article, almost 85,000 students who did not have a valid Social Security Number to be claimed by taxpayers and received $100 million in education credit. All of these are examples of the tax credit being abused, but it does not end there. In addition to these events, there are the fact that 13% of the tuition tax credits go to families with annual incomes ranging in the $100,000 – $180,000. In my opinion, this is a bit ridiculous, I mean most of these individuals are capable of going to school without the need of government help, this just takes away from those who truly are in need for this financial opportunity to further their education. As mentioned before, I was lucky enough to receive financial funding from the government, seeing as how my family is not in a position to pay for my education. Raised to value what I was given or received I have worked to use that money for helping me in higher education, not for carelessly spending it at will for unrelated school materials. But, I will not admit that everyone is like me, and for that I know of several individuals who should not be receiving financial aid, as it is in no way benefiting their education, and this could probably be said for a good percentage of those who receive help from the government. For this I agree with Robinson in the sense that their should be a strict guideline with who is to be given a tax credit, but I will disagree with her in the sense that it should be eliminated all together. If it was not for these government spending, many individuals such as myself and many other would have had and extremely difficult time, if even, going to school for higher education.

Salmon Mumtaz

After reading Robinson's article about the tax credits, I realized that I have very vague knowledge of tax credits. I found the beginning of the article to be very interesting when Robinson mentioned that there are two types of credits to offset tuition offered by the government. The two taxes are: the American Opportunity Tax Credit and Lifetime Learning credit. Both are intended to reduce the tax to families with low incomes. The American Opportunity Tax Credit allows families who receive less than $180,000 as a joint filer to reduce their tax liability by $2,500. This will benefit many families who do not exceed the income expectations. It will allow the treasury to send the families a check if they meet the liability standards or have none. Most would say that the government does not offer families of low income the correct amount of liability in order for them to maintain a stable income. On the other hand, Lifetime Learning Credit offers reduced taxes for both parents and students. Mutually they are qualified to get the taxes reduced up to $2,000. The families and students who earn less than $60,000 a year are qualified. I feel that this type of credit is more valuable to students who are struggling to pay for their tuition. A majority of students who are full time earn less than $60,000 a year, so this will be extremely helpful. In addition, students who are just enrolled in one college course are eligible for this type of credit in order to reduce taxes. Both tax credits have benefits towards families with low income. In my opinion, since I am a college student, the Lifetime Learning Credit offers more of a relief in tax reduction for an unlimited amount of years. Since my mom claims me in her tax return, I am not eligible to receive this type of tax credit due to her income not meeting the standards of the tax credit. However, most students and families would find this type of tax credit to be very helpful, especially when the money is used towards education.
Throughout the article, Robinson argues that tax credit is hurting the economy by giving families, who are not able to afford sending their children to colleges, tax breaks. The tax credit can be described as an extra boost of money for those who are eligible. For families who qualify for tax breaks, they have a stronger chance of sending their children to universities and other private schools. Even without the tax credits, it is likely that it will not greatly affect the number of students attending colleges. The result will only lead families to send their children to community colleges instead of universities. Not being able to afford certain colleges can certainly change the choice in school attended due to the affordability. This is why I believe that tax credits should continue, due to the benefits it will give for families of low income. I can see why Robinson is arguing about tax credit when she mentions how our government cannot afford to spend on these tax credits and programs. On that same token, it is obvious that many families can benefit from both tax credits by allowing their children to attend universities. Furthermore, society as a whole is benefited by these tax credits by allowing students to become educated and contribute positively to society in the future.
I disagree with Robinson when she mentions that higher education tax credits should come to an end. I believe having the option to use tax credits when dealing with financial issues is a great solution. It gives families the extra encouragement to allow their children to attend colleges in order to pursue a career.

Samuel Sutton

I find it interesting that these subsidies are being blamed for the rise in tuition fees. Though there may be some statistics that validate such an argument, I doubt these are the only cause of the rise in tuition fees. However, it seems that these also play a roll in the financial problems that higher education schools are facing. I do not know enough about this specific topic to take a side on the issue, but I do feel that this warrants further investigation. If Robinson's connection between these subsidies with higher costs of tuition and wasted money prove to be true, then this might give the people a problem to focus on eliminating to help make higher education more accessible. If such large sums of money are being wasted on subsidies, then this might explain why so many teachers, subjects, and classes are being dropped from institutes of higher education. With billions of dollars being lost schools would be incapable of housing the amount of classes and teachers they were once capable of providing. This, in turn, makes it impossible for colleges to keep up with the continual influx of students. Furthermore, if Robinson's view of why colleges are raising tuition fees due to subsidies is correct, then the subsidies should disappear. Robinson seems to feel that the subsidies are meant to make students more willing to pay higher tuition fees because of the tax breaks offered. This gives the universities the incentive and ability to raise tuition fees, knowing that students will pay them. If such an incentive were to be taken away from them, then the rise in tuition fees might stop since the students would no longer be willing to pay such high costs. Though this is undoubtedly not the only reason for the hike in tuition prices and the cutting of classes and teachers, if the effects of subsidies are further researched then we may find that one of the culprits of these problems has been found and can be dealt with.

Alesha Harris

1. I was not aware of this tax credit until I read this article. No, I didn’t get enough information from her article because she uses a lot of numbers in order to come to the conclusion that there is a problem with what is going on, I’m not the best person at math or understanding math problems so it just kind of threw me off. I would have to know exactly how this is affecting everyone in order to form an opinion about it.
2. Robinson’s reason for wanting to eliminate tax credits is “each year, the federal government spends billions of dollars on tuition tax credits to encourage more students to attend college”. Yes, the reasons are sufficiently persuasive; they are showing people firsthand what the problem is with tax credits and college. She cited the “College Choices: The Economics of Where to Go, When to Go, and How to Pay for It”, the cite does support her assertion that the tax credit do not increase college enrollment; it does not show any evidence that it increases the amount of people who enroll in college.
3. They might respond to Robinson’s essay by agreeing with her, stating that she is right and that the situation is wrong, they may completely understand being that they went to college themselves and that it does not help, most people go to college where they want and when they want. Robinson may respond to their essay stating that it’s an incredible kind of thing and we as individuals can only try to change this, it’s hard, it does not take this much money for people to be persuaded to come to college. Robinson states that “Most researchers who have studied the impact of higher education tax credits find little or no evidence that the credits increase the number of students who enroll or graduate each year”. Ungar states “something that has been held up as a uniquely sensible and effective approach to learning has come under the critical gaze of policy makers and the news media, not to mention budget-conscious families”. Rose doesn’t speak much about the money that we use for education.
4. I have not received one yet but I think I will, being that I’m a freshman here in college. Yes, just knowing that being in school can give you a little more money that you need being a college student just by staying school, yes I think anyone would.
I feel as though Robinson’s argument does hold a lot of meaning to me but it also doesn’t. I personally need the extra money with being in school. I feel that I deserve just the fact that I am trying to do my best here at college. Why would someone want to change that? On some cases I understand what she means but I also know how just that little extra money could help a lot of people who are in need that is attending college. College is not cheap and if you are not commuting to school it does play a big role because you are out on your own and you will need any extra money that you can get from anywhere. I understand that it may be hurting the U.S., but we give enough money I feel as though we don’t get back what we put into this country. So I feel as though we should still be able to get our extra money from our taxes when we choose to file.

Alesha Harris

Regarding to what Samuel said, i also feel this is not the only reason, there are multiple reasons for the rise and tuition.

nastayeia parrish

Yes I am familiar with the tax credit which is money that is pay to the government in order for poor kids to go to college. A lot of people struggle to send their kids to college and they are given a free chance to go by the taxes credit which are called pell grants. This is money given to the student for financial stability in college. How ever some student do abuse this money by using it for things that are not school related. Roberts gave me a lot of information on what tax credit is. What would of made his information more valid is how many people receive pell grants a year. Roberts reason for wanting to eliminate tax credit is that after completing high school college is not required to complete. Which does not increase the chances of more students going to school. There should be more guidelines of receiving taxes for student because were are really unable to afford them. Roberts argue that while were giving out most of are taxes we are unable to fulfill the financial gap that we are embedded in. I think they would find tax credit useful because of her parent completion of school. They did not have a lot of money which would require them to need money. They believe that dropping out of school to take care of their family was a more responsible action rather than staying in school. My family receives taxes which helps stay in school. If I were unable to receive taxes I would struggle to pay my own tution to stay in school because my parents can not afford to send me to college. From receiving taxes I am able to pay for my books and also my room in broad in order to live on school campus. I do not know where I would be if I was unable to receive taxes it has change my life and also gives me the opportunity to get a great education and not worry about the financial status of money.

Kwadjo Osei

As a student who can benefit from this tax credits, I will say I disagree with Robinson’s argument on the Education Tax Credits. I wasn’t familiar with the technicality of the Tax credit act or its regulations before I read Robinson’s post. After reading her post and understanding how much money it puts back into the pockets of individuals and families, I fully support the tax credit act. A lot of individuals and families need this help. Some parents struggle to pay for their children’s tuition after paying mortgage and household bills. Some can’t even afford to pay tuition. For those who struggle to pay for tuition, these tax credits actually comes in handy after they get their tax return's money. Individuals that come from Families that can’t afford also benefit from the pell grants and also the tax credits. Im familiar with individuals that can’t get financial aid because on paper either them or their families make decent income but the reality is, after you pay your bills, you don’t actually have any money left. These individuals struggle to work full time pay for tuition and also stay in college. There are families that have more than two members of the household attending college at the same time, these tax credits comes in handy. Affording college is a great deal now in an economy like this.Taking away tax credits doesn’t help the problem but makes it difficult individuals and families to survive. I agree when she says, people find a lot of loop holes around these tax credits but I also think the government have to find a way to deal with a situation of this kind. As far as Colleges raising fees due to these tax credits, I think it is a system flaw. Tax credits offered to students shouldn't be the reason for colleges to raise fees. The government can have a regulation to oversee that. I’m not an economic expert or a lawyer but somethings are common sense. Eliminating Tax credits Because of These issues would just affect individuals and families that actually need the help.

Luke Schneeman

1. Until this article I did not know about tax credits, but after reading this article I got a good idea of what a tax credit is and how it works. It is hard to form an opinion about it because the article doesn’t share the opinion of students and families that use the tax credits to help pay for there education.
2. Robinson wants to eliminate tax credits because they have been indirectly raising the cost of higher education, costing the united states billion of dollars, and the programs are prone to abuse. These reasons to me are sufficient enough to eliminate tax credits. Robinson also argues that the tax credits are applied to tax bills many months after tuition was paid which doesn’t effect the parents ability to pay. Which may make people more willing to pay higher prices for tuition causing some schools to raise it’s prices because the families are willing to accept it . But its hard to take accept this evidence as cold hard facts this evidence is based on opinion and how people see there finances.
3. I think they would agree with the fact that college has gotten too expensive and that tax credits have something to do with the rise in cost of education. But I think Robinson would disagree with Hacker and Dreifus about weather college is worth the cost. Although Robinson does not agree with the rise in tuition, she wants college to be more affordable so more people can go while Hacker and Dreifus believe that higher education needs be reformed and question it’s value.
My family does receives tax credits for me and my brother being in school the tax credits
don’t effect my ability to stay in school but it does make it does help my family financially.
I disagree with Robinson about eliminating tax credits but I think they definitely need to be reformed to stop abuse and make it easier for families who deserve it to get the financial help they need. Although schools have gotten very expensive It is hard to believe that tax credits alone have made school more expensive when colleges have had to raise tuition to counter inflation and to afford new technologies. With these high prices students need all the help they can get because the more kids we can get in college the brighter our future will be.

Peng Zhiwei

In my opinion I strongly disagree with Robinson. In his article I cannot fully understand what the two types of tax they are. There is insufficient evidence to support his idea which is only arguments without opinion of students and their families as well as the real contour of how they are running. I consider it as what I would exactly arrange my opinion into step by step interviews with how it works and it merits by professional agency and students. Robinson gives us some of the reason but I think they are not steadily standpoints to eliminate the tax credits. Like the high costs of education, and billions of federal govern costs can have no possibility to turn back. Moreover, Robinson said the credit does not increase college incomes. However, this evidence cannot be convincing unless he demonstrate by data and students interview. They agree with her and they said college people go to college do not go to the college at instant time. So it is hard to take any money effective and they do not concentrate only on money but the little impact of high tax credit. I do not have this kind of experience like aid of education. But in this article I can understand what it is but no more convincing evidence to say it is wrong or it is true. In my opinion, I hope there are more positive measurements for every student attend his college. Needless to say, we do not want to see the picture which is very bad related with financial striking. Increasing number of students can get their aid and loan but the costs should be cut by the govern tax as well as tuition fees.

Nancy Sakurai

I am familiar with the college credit programs that taxpayers can claim to receive tuition and fees deduction. The American Opportunity Tax Credit, Lifetime Learning Credit and the Hope Scholarship Tax Credit are programs set up for taxpayers to receive $2,500 per eligible child, versus $2,000 and $1,800 for the Lifetime and Hope credits. Other tax write-offs are books, supplies, and student activity fees, which can add up through the course of the year. What I was not aware of is the lack of guidelines and accountability from receiving these tax break benefits. As Robinson stated, “A valid Social Security Number is required for Federal student aid but not for education credits.” She continues stating, “84,754 students who did not have a valid social Security Number but were claimed by taxpayers who received $103 million in education credits.” Robinson states in her article that the Treasury Inspector General for Tax Administration reported “more than two million Americans received education tax credits in error in 2010.” Did the Administration recover this money given out in ‘error’? Tax credits were also awarded to prisoners, persons who had no valid Social Security Number, and to persons not able to prove they were attending college. The states that the abuse of the tax credit is not limited to Social Security Number fraud. Robinson is disturbed by the 13% of tuition tax credits going to families with annual combined income of $90,000 to $180,000. I do not believe this statement is a valid argument as a working parent paying for my children to attend college. Every benefit and tax break assists the home front; especially when the cost of education is continually rising. I believe with Robinson that we need to reform the tax credit program mandating proof of Social Security Numbers (how are they registering for school?), but not ending the program entirely.

Esthela Ramirez

1) Before this article, I did not know what tax credits were. No, I don't know how this system works besides the numbers that were mentioned. If I did more research about the different tax credits, I would understand more and form a more accurate opinion about it.
2)She wants to eliminate tax credits because the government spends tremendous amount of money, but statistics aren't showing that students are attending college. They shouldn't take it away because for those low income families who can't afford college and are actually using the help, it will hurt them more. She cites the book "College Choices: The Economics of Where to Go, When to Go, and How to Pay for It." I don't think its true now, because statistics changed throughout the years and the book was published in 2004, and we're in 2015 now.
3) They would all agree that the price of college is expensive, but Hacker and Dreifus, don't mention to take away the tax credits. Instead they mention how to focus on the schooling "Replace tenure with multiyear contracts," or "engage all students." She might respond that even with all students engaging in school activities it probably won't help them with the cost of school.
4) No, my family does not receive any tax credits, but just because I don't receive it, I don't think they should take it away. Because I know they're are students who honestly can't afford the cost of college and by earning a little bit of more money, it does help them out alot. I understand the cost of college is quite expensive, especially not getting any help. Everyone should be able to attend college at the price they can afford it, fortunately, I was able to receive scholarships that paid almost half of the year.

Joella Vermeire

1) Before this article I did not know about the American Opportunity Tax Credit, after reading this article I understand it. I still wish that I could have a little more information about it so that way I Could fully understand what it is, and I'd be able to form a better opinion about it. 2)Robinson wants tax credits to be eliminated so that way school wont be as expensive as they are now, also the way that the tax credits are handled isn't the best. The way the taxes are handled with the enrollment process is abused. 4) Neither my parents or I receive this, I'm sure it would help a lot if we did.

Edwin Trujillo

Edwin Trujillo ENC 1101-01M Dr. Van Bergen-Rylander
“It’s well past time to slash higher education subsidies” By: Jenna Ashley Robinson
Explains how the government offers two different types of tax credit, one type is called the “American Opportunity Tax Credit” and the other is called the “Lifetime Learning Credit”. The American Opportunity Tax Credit allows the reduction of up to $2,500 in taxes. Some rules are that their income cannot exceed $90,000 ($180,000) for joint taxpayers. The Lifetime Learning Credit can reduce as much as $2,000 annually to help reduce their taxes. Applicants must be enrolled in at least one college course, in order to receive the credit. But even though there is some kind of financial help there, the subsidies is not resistant to the universities raising their tuition cost. One study shows that only 13% of the tax credits only went to the students and families earning incomes between $100,000 to $180,000 ranges in 2012. Universities will not tell or disclose that with the students about raising of tuition costs. The students are perhaps unaware of the tax credit they can qualify for or just don’t qualify at all, it’s only for a certain amount of people who fall in that income criteria. The government should eliminate the tax credits, due to its cost just to start the tax credits. So that the universities not raise the tuition. Everyone should be able to have an opportunity to a fair, and affordable, good quality education, possibly even get more out of the education than to risk not finishing a degree along with a huge amount of debt.

Katie Fitzgerald

Before I read “It’s Well Past Time to Slash Higher Education Subsidies” by Jenna Robinson I didn’t know what the American Opportunity Tax Credit was until know. The information that she had included in the article about the AOTC gave me some knowledge for me to understand the importance and the way that this Credit works. In order for me to really truly understand something and to form an opinion I am going to need lots more of information rather than just one article. Robinson’s article gave good statistics but in order for me to have an opinion it would have to be more information on the difference between the American Opportunity Tax Credit and the Lifetime Learning Credit. Some of Robinson’s reasons to eliminate tax credits are that they have little to no effect on enrollment, it has made it a target for abuse and Universities are increasing in prices. These reasons are sufficiently persuaded. Each one of these reasons are individually indicated on why they are a problem. For instance, tax credits don’t increase the number of students but it is shown that they are applied to bills months after the tuition is payed, they don’t mess with who is paying the tuition but it does raise the prices. Although the tax credits don’t have an effect on enrollment, it has made it a target for abuse, but I feel the Tax Credits are set in place for incentives to get the boost in enrollment, even though they claim it does not. There isn’t anything that shows that it has increased in students but it’s true for the young college students and the older college students. This goes more for the older students rather than the younger students because they can hold the tax credits. It isn’t just these two things that are an issue but it is also that Universities are increasing their prices. While having subsides it helps with less money for tuition increase but this helps the universities increase their tuition of the federal aid. Robinson might respond to their essay that it may be other financial aid that are causing this issues but these are the main reasons to why the American Opportunity Tax Credit and the Lifetime Learning Credits are to help and to prevent extra money going in or going out, but they might respond to her article the same way. Either way tax credit needs to go in order to help more individuals get into school to better themselves. My parents do receive tax credit for my schooling and I don’t think the credit makes that big of a difference because they will still pay for me to better myself by getting higher education and they say they cannot really put a price on that in the end. I don’t understand the whole tax issues in going to school because my parents handle the finances, but I know eventually I will need to learn what it is all about. Either way, if the tax credit goes away or stays the same I still plan on going to college to get me a higher education to better myself.

Ashley Smith

Before reading this blog I was unfamiliar with The American Opportunity Tax Credit. Now that I have read this blog and looked up some more information I can say that The American Opportunity Tax Credit is a partially refundable tax credit. No I did not get enough information from the article. I felt there was a lot of numbers and it was kind of hard for me to completely understand how The American Opportunity Tax Credit works from just reading Robinsons article. In order for me to form an opinion I would need to take my time and sit down and try to understand this and figure out how it all works and what it does for people.

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