Injustice for All Table of Contents
I. Manifesto. Injustice for All: The Truth about the Annihilation of American Education Ideals
- Analysis Reveals the Manipulative Agendas
- The Motivation Behind These Agendas
- Student Loan Default Rates Are Used as a Measure of Quality Education
- The Gainful Employment Agenda
- FY 2011 GE Informational Rates Were Incomplete, Inaccurate, and Misled Public Opinion about Results
- Does There Appear to Be Another Agenda with GE?
- Equal Application of Quality Metrics
- Is Tax-Filing Status Really an Indicator of Good or Bad Quality in Education?
- Freedom of Education Is Important
- Education Is One of Many Freedoms Being Compromised
- How Many of Us Are Already Living the Life of a Zombie?
II. History: Cohort Default Rates, Gainful Employment and Other Related Issues
- How Did Defaulted Student Loan Dollars Land in the Government’s General Fund?
- Defining Cohort Default Rates and Early Amendments to Refine These Laws
- The 2000 Negotiated Rulemaking Committee
- The Grijalva-Bishop Amendment
- October 2009 Rulemaking Committees Results
- The History of Gainful Employment
- Where Did Gainful Employment Begin?
- Blatant Manipulation Threatens to Annihilate American Higher Education Opportunities
- Gainful Employment Manipulation
- At the Same Time, the Crisis with Transition to 100% Direct Lending Began
- Expansion of the “Pay-As-You-Earn” Repayment Plan
- When the Government Is Running a “Direct Loan Program,” Who Has Accountability Oversight?
III. CDR Reporting Inaccuracies: National Cohort Default Rate
- Eliminating the Private Sector in Federal Student Loans
- Transitioning to a 3-year Cohort Default Rate
- Overpromised, Under-Delivered and Now Lying about It
- What Else Does the Actual Loan Holder Data Show?
- Where Did the Direct Loan Volume Go?
- Why Wouldn’t Databases Used to Determine Title IV Eligibility Be Consistent?
- Institution Cohort Default Rate Manipulation
- Exactly WHAT Was Adjusted?
- Was There Another Reason for the ADJUSTMENT?
- Institution Cohort Default Rates
- Issues with the DOE iCDR Briefings
IV. CDR Manipulation: Who Is Really Responsible?
- Consistent Inaccuracies
- Federal Student Loan Servicer Allocations Have Been Based in Part upon Default Rates
- Authority for Deferment and Forbearance Eligibility
- Schools Are Mandated to Perform Borrower Counseling
- School Requirements for Borrower Education
- What Does the Government Stand to Gain?
- Taking a Look at Who Has the Most to Gain from CDR Manipulation
- Summary: CDR Manipulation Based on Fact
- Facts about Student Loans and Interested Parties to the Loans
- Federal Direct Loan Servicer Allocation Methodology
- September 2012 Career Education Review Article Highlighting Ms. Hammer’s Response to TICAS CDR Manipulation Allegations
V. Gainful Employment Manipulation: Why Did the Government Release GE” Streamlined” Rates Lacking Backup Data Details to the Public?
- Sham-Filled Rates and Measures Details
VI. Sector–Level Performance Data: Examining All the Facts to Determine What the Data Really Shows
- An Objective, Spin-free Review of Sector Data Facts
- Good Quality CDR Indicators
- Bad Quality CDR Indicators
- The College Navigator Database
- The College Scorecard Did Not Equally or Accurately Represent All Schools
- The “New” College Scorecard: Different Format, Still Inaccurate and Misleading
- Can Parents and Students Make Wise Decisions with College Scorecard?
VII. 2015 iCDR Shows One Point of Consistency: Will the DOE and the Administration Continue This Assault on Education?
- 2015 Official FY 2012 iCDRs
- 2015 Official FY 2012 Loan Holder Default Rates
- 2015 CDR Conclusions
VIII. The Impact: What Effect Do Repayment Schedules Have on Borrower Success?
- The Link between At-risk Student Loan Borrowers and ARM/Subprime Mortgage Borrowers
- The ARM Parallel
- The Interest Rate Impact
- Eliminating the One-Size-Fits-All Repayments
- Methodology for Example Calculations
IX. Legislative Solutions That Promote Accountability
- Legislative Solutions Including a New Student Loan Program Based on Accountability
- Destiny Is a Choice
- Legislative Solutions for Students: Teaching and Rewarding Financial Accountability
- Correcting the Reason for the CDR Adjustments in 2014
- Correcting the High DOE-Controlled CDRs for Students
- Correcting the High DOE-Controlled CDRs for Schools
- Budgeting and Finance in the Students’ Best Interest
- Payment Schedules That Promote Long-Term Success and Support the Federal Fiscal Interest
- Serving the Students’ Best Interest
- Loan and Grant Programs That Reward Good Behavior
- Gainful Employment 2.0: Existing Regulations Are Based on Inaccurate and Misleading Reporting and Should Be Eliminated
- Creating a Student Loan Program with Accountability
- Accountability Brings Strength to America and Its Citizens
Injustice for All: Summaries and Conclusions
- Facts Recap on the Reasons for Plan to Eliminate FFEL Program
- The Injustices of Implementing Plans to Eliminate For-profit Proprietary Schools
- Third Party Servicer Audits: Are the Changes an Excuse for a Witch Hunt?
- Where Do We Go from Here?
Epilogue: Primary and Secondary Education
- Common Core, No Child Left Behind, and the 2015 Reauthorization of the ESEA Changing a Culture of Education That FAILS for Students
- Learning, Teaching, and Testing
- The Fix?
- Technological and Practical Distractions
- Teaching Discernment Is Critical
- Applied Discernment
- The Remedial Dilemma
- Changing a Broken System to Save Our Children and Our Country
(Also includes 96 tables of data analysis and evidence, plus index and glossary.)
Publisher: Champion Empowerment Institute
Details: 6×9, 312 pages
Features: 96 data tables with detailed analysis plus evidence images; index, glossary
ISBNS: 978-0-9970978-0-1 (paperback) 978-0-9970978-1-8 (ebook)