It is considered a “mini” research paper, a cause and solution type style with a persuasive argument. 

Topic: Why US student loans debt is  bad and should be reduced or eliminated

4-6 pages, a minimum of 4 sources (1 source is required per page). 2 In Text Citations required per page, either quoted or paraphrased. At least 1 sources has to be Peer Reviewed, the rest can be Scholarly Reviewed. 

MLA 8 format

Outline and some sources included

 Questions:Q -WHAT IS YOUR FOCUSED TOPIC?

How much a student loan actually costs you over the life of it.

Q -WHAT IS YOUR OPINION ON THE TOPIC?

That a student loan is not worth what you actually pay for it – not the monthly payment that you pay

Q -WHAT ARE YOUR REASONS FOR YOUR OPINION?

If you had the option of having 5 millions dollars in 30 years… or taking out a loan to pay for school so you didn’t have to work, which would you choose?

Q -WHAT EVIDENCE SUPPORTS YOUR REASONS?

Basic math. Look at what the monthly loan payment costs and invest that over 30 years… how much will you have?

 Fox, J., & Montalto, C. (2017). College Student Debt and Anticipated Repayment Difficulty. Human Development and Family Studies Publications , 47(2), 111-135. Retrieved from https://lib.dr.iastate.edu/cgi/viewcontent.cgi?referer=https://www.google.com/&httpsredir=1&article=1051&context=hdfs_pubs. 

 Friedman, Zack. “Student Loan Debt Statistics In 2019: A $1.5 Trillion Crisis.” Forbes, Forbes Magazine, 3 June 2019, www.forbes.com/sites/zackfriedman/2019/02/25/student-loan-debt-statistics-2019/#39ea9581133f. 

 Ulbrich, Timothy R, and Loren M Kirk. “It’s Time to Broaden the Conversation About the Student Debt Crisis Beyond Rising Tuition Costs.” American journal of pharmaceutical education vol. 81,6 (2017): 101. doi:10.5688/ajpe816101