Will Flaugher Source 5

Price, Derek V. Borrowing Inequality : Race, Class, And Student Loans. n.p.: Boulder, Colo. : Lynne Rienner Publishers, 2004., 2004. MERLIN. Web. 19 Oct. 2016.

For high-risk students who are more likely to be negatively impacted and more stressed over student loans, are student loans implemented unfairly?

For me personally, based on the research I have already done, it seems apparent that student loans are not really the most beneficial for high-risk students. Simply seeing as how high-risk students are the most negatively impact by the debt, I think that it would be difficult to justify that student loans work equally for all students.
While reading this book, one thing I noted is that student loans are not available to many students who are college qualified but lack the right financial sources. This seems to make no sense to me, because these students are just as capable as others based on their academic records, and student loans should benefit students who do well academically. The book also focuses on inequality in college universities and the workforce.
After reading, my immediate thoughts are just that there is a lot of information in the book, and it will be difficult to only take some information out of it. However, I know I want to look at how student loans are less beneficial for high-risk students, so I will probably focus on the concepts of student loans being unfair for the college qualified students, and how despite being college educated many students who are not white males are still paid less, meaning they will have more trouble paying off their student loans.

For this book, the main argument is that student debt and student loans are promoting inequality due to many factors. However, the ones I will focus on are: the difficult for low-income families to send college qualified students to college, the income differential between college graduates who are white males and college graduates who are minorities or women, and the fact that lower-income and african-american families are paying more for higher education.
This source was honestly the most eye-opening to me just because of the detail it went into to prove its arguments. The source definitely proves to me that student debt is not the same for everyone, and that the lower-class is more likely to be negatively affected by it. This post has helped me answer the question I have for this post, but it opens up so many more thought I have about student debt that I will have trouble trying to focus on just one thing.
To synthesize this source, I can put it in comparison with another article I had, by Webber, where he states that for more students it is worth taking out student loans because they are likely to be able to repay the debt after graduating. This book would argue the opposite, and point out that while that may be true for white males who graduate, everyone else makes less income on average and therefore would have a more difficult time repaying their student debt despite their degree.
I think with the info I have received in this source, I am more confident in how I am going to finish my paper. I have laid out my entire essay essentially in a way that makes sense, and this source fits snuggly right into my second to last topic that I want to talk about. The new question that this source has led me to ask is how can student loans be changed so that they are more beneficial to the lower-class?