By Maria C Moreno

Average Annual Earnings for College Graduates and Non-Graduates

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Federal Loans  Federal Direct Stafford Loans (Direct Subsidized Loans)  Federal Direct Unsubsidized Stafford Loans (Direct Unsubsidized Loans)  Federal Direct PLUS Loans (Direct PLUS Loans)- for parents and graduate or professional students  Federal Direct Consolidation Loans (Direct Consolidation Loans)

Dependent Undergraduate Student (except students whose parents are unable to obtain PLUS LoansPLUS Loans Independent Undergraduate Student (and dependent students whose parents are unable to obtain PLUS Loans)PLUS Loans Graduate and Professional Degree Student First Year$5,500—No more than $3,500 of this amount may be in subsidized loans. $9,500—No more than $3,500 of this amount may be in subsidized loans. $20,500—No more than $8,500 of this amount may be in subsidized loans. Second Year$6,500—No more than $4,500 of this amount may be in subsidized loans $10,500—No more than $4,500 of this amount may be in subsidized loans. Third and Beyond (each year) $7,500—No more than $5,500 of this amount may be in subsidized loans. $12,500—No more than $5,500 of this amount may be in subsidized loans. Maximum Total Debt from Stafford Loans When You Graduate (aggregate loan limits ) $31,000—No more than $23,000 of this amount may be in subsidized loans. $57,500—No more than $23,000 of this amount may be in subsidized loans. $138,500—No more than $65,500 of this amount may be in subsidized loans. The graduate debt limit includes Stafford Loans received for undergraduate study.

 Sallie Mae Education Trust (Signature Loans 2.5 – 10.05% repayments between 15 to 30 yrs)  Wells Fargo (Midcap Alternative Loans 7.55%, 0 fees repayments Between 15 to 20 yrs)  Chase Bank (graduate, undergraduate and professional loans repayment 25 years)  Citi Bank (Graduate Student Loans, repayment 30 years)

For Individuals 74% Chance to do all over again High School dropout makes 27% less income High School dropout live less For Communities Children of dropouts likely dropout an live in poverty 1% reduction dropouts reduce number of crimes by 100,000. Graduations reduce 20% of murder and crimes rates Lower rates of dropouts mean $36 million in state and local funding lost

For the Nation 80% dropout depends on government for health care assistant. Lower annual earning dropout cost $157 billion or more in lost revenue. Dropout youth involve in drugs and crime cost between $ million in crime control and health expenditures.

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