Annotated Bibliography Example | Topics and Well Written Essays - 750 words - 9

Annotated Bibliography Example This article confirms the report from Martin and Lehren, where low-income students were able to pay off their debts. The article is credible, because authors had knowledge and skills in conducting this kind of study. This article helps my research, because it informs readers of the financial effects of student loans after college. College loans may be too high to be adequately paid, which discourage some students from graduating in college. Baum, Sandy. â€Å"Hard Heads and Soft Hearts: Balancing Equity and Efficiency in Institutional Student Aid Policy.† New Directions for Higher Education 140 (2007): 75-85. Advanced Placement Source. Web. 3 July 2012. Baum explores the hardships for school administrators in balancing equity and efficiency decisions. The main argument of the article in relation to college debt is that society increasingly favors people with merit or skills, instead of helping those who are in need. She argues for the importance of providing discounts to low-income students, so that they can have the chance to enter college. The author is reliable, because she has skills and knowledge in economics. The journal is also credible, since it focuses on diverse higher education issues and employs empirical approach to data collection and analysis. This article is important to my research, because it shows that low-income students struggle to get college loans that they critically need to finish college. Because of their intense desire to finish college, they may lack awareness and knowledge that college costs may be too high to help them in quickly alleviating their financial problems right after college. Cooper argues against the commoditization of college education, because the learning experience is individuated, and the language of business cannot be applied to the learning process and systems of colleges. Moreover, he believes that commoditizing education neglects the