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Record numbers of Americans are turning to higher education to give them a stronger edge in the job market. One of the fastest growing—and most controversial—sectors of the higher-education industry is for-profit colleges and universities. Use Google or your favorite search engine and prior knowledge to answer the following questions.

1) How do federal grants and loans benefit both students and for-profit schools?

2) Why do many graduates find it difficult to repay student loans?

3) Do you feel the for-profit schools that arrange for these loans are partly responsible for the problem? Explain.

4) For-profit institutions say they provide a valuable service to low-income and adult students that traditional higher education has given up on.  Do you agree or disagree?

5) Critics of for-profit schools say such institutions use high-pressure sales tactics to recruit students, provide easy access to federal financial aid, load them with debt, and leave the taxpayer stuck with the bill.  Do you agree or disagree?

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1. Two students apply for federal student aid–a mediocre student and a high–achieving student. Which applicant will receive a higher award?

A.) The mediocre student
B.) The high-achieving student
C.) The student who applied first
D.) The better-looking student
E.) Cannot determine from the information given

2. What was the average cost of a private four-year college for the 2009-10 school year?

A.) 35,000
B.) 23,000
C.) 26,000
D.) 29,000
E.) 20,000

3. What’s the most expensive college in the United States?

A.) Harvard University
B.) George Washington University
C.) New York University
D.) University of Phoenix
E.) Arts Institute

4. What fraction of college students receives financial aid?

A.) One Quarter
B.) Two Thirds
C.) Three Quaters
D.) One Third
E.) 90 Percent

5. What was the total average amount of financial aid received by students at four-year colleges in 2008-2009?

A.) $2,725
B.) $5,600
C.) $10,185
D.) $11,300
E.) $12,272

6. What’s the total amount of financial aid out there, waiting to be snapped up by eager students?

A.) $986 Million
B.) $7 Billion
C.) $49 Billion
D.) $168 Billion
E.) $343 Billion

7. The first thing you need to do in the search for financial aid is fill out this form.

A.) TCMSA
B.) FAFSA
C.) DEDRA
D.) SAT
E.) ACT

8. What’s the most sought-after form of financial aid?

A.) Federal Loans
B.) Grants
C.) Tax Deductions
D.) Work Study
E.) Stafford Loans

9. What’s the main federal grant program?

A.) Scott
B.) Lewis
C.) Pell
D.) Landsman
E.) Cisneros

10. What’s the main factor in evaluating if you’re eligible for a Pell Grant?

A.) Your SAT score
B.) Your High School GPA
C.) Your Volunteer Work
D.) Your Financial Need
E.) Your ACT score

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