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Student loan borrowers stage a rally in front of The White House on Aug. 25 to celebrate President Biden cancelling student debt. The plan has sparked heated debate, including about its economic fairness. Paul Morigi/Getty Images for We the 45m hide caption
Student loan borrowers stage a rally in front of The White House on Aug. 25 to celebrate President Biden cancelling student debt. The plan has sparked heated debate, including about its economic fairness.
President Biden's plan to forgive hundreds of billions of dollars in student debt is sparking heated debate.
Biden last week announced plans to forgive up to $20,000 in federal student loan debt for Pell Grant recipients and up to $10,000 for others who qualify.
The news will provide relief for borrowers at a time when the cost of higher education has surged.
But critics are questioning the fairness of the plan and warn about the potential impact on inflation should the students with the forgiven loans increase their spending.
Here are three key arguments – for and against the wisdom of Biden's decision.
Undoubtedly, student debt is a big burden for a lot of people.
Under Biden's plan, 43 million people stand to have their loan payments reduced, while 20 million would have their debt forgiven altogether.
People whose payments are cut or eliminated should have more money to spend elsewhere – maybe to buy a car, put a down payment on a house or even put money aside for their own kids' college savings plan. So the debt forgiveness has the potential to raise the living standard for tens of millions of people.
Critics, however, say that additional spending power would just pour more gasoline on the inflationary fire in an economy where businesses are already struggling to keep up with consumer demand.
Inflation remains near its highest rate in 40 years and the Federal Reserve is moving to aggressively raise interest rates in hopes of bringing prices back under control.
Not all economists believe the debt forgiveness will do much to fuel inflation.
Debt forgiveness is not like the $1200 relief checks the government sent out last year, which some experts say added to inflationary pressure. Borrowers won't suddenly have $20,000 deposited in their bank accounts. Instead, they'll be relieved of making loan payments over many years.
President Biden announces student loan relief in the Roosevelt Room of the White House in Washington, D.C. on Aug. 24. Olivier Douliery/AFP via Getty Images hide caption
President Biden announces student loan relief in the Roosevelt Room of the White House in Washington, D.C. on Aug. 24.
Because the relief is dribbled out slowly, Ali Bustamante, who's with left-leaning Roosevelt Institute says Biden's move won't move the needle on inflation very much.
"It's just really a drop in the bucket when it come to just the massive level of consumer spending in our very service- and consumer-driven economy," he says.
The White House also notes that borrowers who still have outstanding student debt will have to start making payments again next year. Those payments have been on hold throughout the pandemic.
Restarting them will take money out of borrower's pockets, offsetting some of the additional spending power that comes from loan forgiveness.
Another big point of contention has to do with fairness.
Forgiving loans would would effectively transfer hundreds of billions of dollars in debt from individuals and families to the federal government, and ultimately, the taxpayers.
Some believe that transfer effectively penalizes people who scrimped and saved to pay for college, as well as the majority of Americans who don't go to college.
They might not mind subsidizing a newly minted social worker, making $25,000 a year. But they might bristle at underwriting debt relief for a business school graduate who's about to go to Wall Street and earn six figures.
Students from George Washington University wear their graduation gowns outside of the White House in Washington, D.C, on May 18. Economists worry President Biden's plan to forgive student loans could encourage more people to take on debt in the hopes of also being forgiven. Stefani Reynolds/AFP via Getty Images hide caption
Students from George Washington University wear their graduation gowns outside of the White House in Washington, D.C, on May 18. Economists worry President Biden's plan to forgive student loans could encourage more people to take on debt in the hopes of also being forgiven.
The White House estimates 90% of the debt relief would go to people making under $75,000 a year. Lower-income borrowers who qualified for Pell Grants in college are eligible for twice as much debt forgiveness as other borrowers.
But individuals making as much as $125,000 and couples making up to $250,000 are eligible for some debt forgiveness. Subsidizing college for those upper-income borrowers might rub people the wrong way.
"I still think a lot of this benefit is going to go to doctors, lawyers, MBAs, other graduates that have very high earnings potential and may even have very high earnings this year already," says Marc Goldwein senior policy director at the Committee for a Responsible Federal Budget.
Goldwein also complains that the loan forgiveness doesn't address the larger problem of soaring college tuition costs.
In fact, he suggests, it might make that problem worse — like a Band-Aid that masks a more serious infection underneath.
For years, the cost of college education has risen much faster than inflation, which is one reason student debt has exploded.
By forgiving some of that debt, the government will provide relief to current and former students.
But Goldwein says the government might encourage future students to take on even more debt, while doing little to instill cost discipline at schools.
"People are going to assume there's a likelihood that debt is canceled again and again," Goldwein says. "And if you assume there's a likelihood it's canceled, you're going to be more likely to take out more debt up front. That's going to give colleges more pricing power to raise tuition without pressure and to offer more low-value degrees."
The old rule in economics is when the government subsidizes something, you tend to get more of it. And that includes high tuition and college debt.
By Macmillan Publishing Company, Inc. N.Y. 1960
We say a great many things in church (and out of church too) without thinking of what we are saying. For instance, we say in the Creed " I believe in the forgiveness of sins." I had been saying it for several years before I asked myself why it was in the Creed. At first sight it seems hardly worth putting in. "If one is a Christian," I thought " of course one believes in the forgiveness of sins. It goes without saying." But the people who compiled the Creed apparently thought that this was a part of our belief which we needed to be reminded of every time we went to church. And I have begun to see that, as far as I am concerned, they were right. To believe in the forgiveness of sins is not so easy as I thought. Real belief in it is the sort of thing that easily slips away if we don't keep on polishing it up.
We believe that God forgives us our sins; but also that He will not do so unless we forgive other people their sins against us. There is no doubt about the second part of this statement. It is in the Lord's Prayer, it was emphatically stated by our Lord. If you don't forgive you will not be forgiven. No exceptions to it. He doesn't say that we are to forgive other people's sins, provided they are not too frightful, or provided there are extenuating circumstances, or anything of that sort. We are to forgive them all, however spiteful, however mean, however often they are repeated. If we don't we shall be forgiven none of our own.
Now it seems to me that we often make a mistake both about God's forgiveness of our sins and about the forgiveness we are told to offer to other people's sins. Take it first about God's forgiveness, I find that when I think I am asking God to forgive me I am often in reality (unless I watch myself very carefully) asking Him to do something quite different. I am asking him not to forgive me but to excuse me. But there is all the difference in the world between forgiving and excusing. Forgiveness says, "Yes, you have done this thing, but I accept your apology; I will never hold it against you and everything between us two will be exactly as it was before." If one was not really to blame then there is nothing to forgive. In that sense forgiveness and excusing are almost opposites. Of course, in dozens of cases, either between God and man, or between one man and another, there may be a mixture of the two. Part of what at first seemed to be the sins turns out to be really nobody's fault and is excused; the bit that is left over is forgiven. If you had a perfect excuse, you would not need forgiveness; if the whole of your actions needs forgiveness, then there was no excuse for it. But the trouble is that what we call "asking God's forgiveness" very often really consists in asking God to accept our excuses. What leads us into this mistake is the fact that there usually is some amount of excuse, some "extenuating circumstances." We are so very anxious to point these things out to God (and to ourselves) that we are apt to forget the very important thing; that is, the bit left over, the bit which excuses don't cover, the bit which is inexcusable but not, thank God, unforgivable. And if we forget this, we shall go away imagining that we have repented and been forgiven when all that has really happened is that we have satisfied ourselves without own excuses. They may be very bad excuses; we are all too easily satisfied about ourselves.
There are two remedies for this danger. One is to remember that God knows all the real excuses very much better than we do. If there are real "extenuating circumstances" there is no fear that He will overlook them. Often He must know many excuses that we have never even thought of, and therefore humble souls will, after death, have the delightful surprise of discovering that on certain occasions they sinned much less than they thought. All the real excusing He will do. What we have got to take to Him is the inexcusable bit, the sin. We are only wasting our time talking about all the parts which can (we think) be excused. When you go to a Dr. you show him the bit of you that is wrong - say, a broken arm. It would be a mere waste of time to keep on explaining that your legs and throat and eyes are all right. You may be mistaken in thinking so, and anyway, if they are really right, the doctor will know that.
The second remedy is really and truly to believe in the forgiveness of sins. A great deal of our anxiety to make excuses comes from not really believing in it, from thinking that God will not take us to Himself again unless He is satisfied that some sort of case can be made out in our favor. But that is not forgiveness at all. Real forgiveness means looking steadily at the sin, the sin that is left over without any excuse, after all allowances have been made, and seeing it in all its horror, dirt, meanness, and malice, and nevertheless being wholly reconciled to the man who has done it.
When it comes to a question of our forgiving other people, it is partly the same and partly different. It is the same because, here also forgiving does not mean excusing. Many people seem to think it does. They think that if you ask them to forgive someone who has cheated or bullied them you are trying to make out that there was really no cheating or bullying. But if that were so, there would be nothing to forgive. (This doesn't mean that you must necessarily believe his next promise. It does mean that you must make every effort to kill every taste of resentment in your own heart - every wish to humiliate or hurt him or to pay him out.) The difference between this situation and the one in which you are asking God's forgiveness is this. In our own case we accept excuses too easily, in other people's we do not accept them easily enough. As regards my own sins it is a safe bet (though not a certainty) that the excuses are not really so good as I think; as regards other men's sins against me it is a safe bet (though not a certainty) that the excuses are better than I think. One must therefore begin by attending to everything which may show that the other man was not so much to blame as we thought. But even if he is absolutely fully to blame we still have to forgive him; and even if ninety-nine per cent of his apparent guilt can be explained away by really good excuses, the problem of forgiveness begins with the one per cent of guilt that is left over. To excuse, what can really produce good excuses is not Christian charity; it is only fairness. To be a Christian means to forgive the inexcusable, because God has forgiven the inexcusable in you.
This is hard. It is perhaps not so hard to forgive a single great injury. But to forgive the incessant provocations of daily life - to keep on forgiving the bossy mother-in-law, the bullying husband, the nagging wife, the selfish daughter, the deceitful son - How can we do it? Only, I think, by remembering where we stand, by meaning our words when we say in our prayers each night "Forgive our trespasses * as we forgive those that trespass against us." We are offered forgiveness on no other terms. To refuse it is to refuse God's mercy for ourselves. There is no hint of exceptions and God means what He says.
*Trespasses=offences, being offended or offending. (Notes are not authored to Mr. Lewis.)
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Subscribe to global connection, stephen roll , stephen roll research assistant professor, social policy institute, brown school - washington university in st. louis jason jabbari , and jason jabbari research assistant professor - social policy institute at washington university in st. louis michal grinstein-weiss michal grinstein-weiss nonresident senior fellow - economic studies.
May 18, 2021
Though the emergency relief measures passed in response to the COVID-19 pandemic allowed student loan borrowers to defer their loan payments, student loan debt burdens still loom large for millions of U.S. households. According to the Federal Reserve , the national student debt level in the fourth quarter of 2020 was $1.7 trillion spread across 45 million borrowers—the highest level on record. Given the size of the debt burden, it is perhaps unsurprising that the possibility of student loan forgiveness has become a major policy discussion.
Most recently, President Joe Biden called for $10,000 in student debt forgiveness, while others, such as Senator Elizabeth Warren, have called for as much as $50,000 in debt forgiveness. Some have even called for total debt forgiveness, which would represent a larger amount of spending than the cumulative spending on unemployment insurance over the last 20 years . In a recent poll from the Center for Responsible Lending, 63 percent of respondents supported permanently reducing student loan debt by $20,000. As policymakers grapple with this question, it is important to explore how debt forgiveness might relate to household behaviors.
To examine the relationship between student debt forgiveness and household behaviors, researchers at the Social Policy Institute conducted a survey experiment that asked participants with student debt to imagine a scenario in which the federal government forgave some amount of their student debt, and then had these participants report on how this would affect their decisions and behaviors. Participants were randomly assigned to one of four conditions that featured different levels of student debt forgiveness:
Participants could then select different behaviors they would engage in if their student debt were forgiven. The response options were intended to capture a wide range of experiences like working less, changing purchasing behaviors, having children or getting married, saving for different purposes, or returning to school. In total, 1,009 respondents who reported having student debt participated in the experiment.
We present the results from this experiment in Figure 1. Generally speaking, the most common ways people reported that they would change their behaviors after student debt forgiveness—regardless of the amount forgiven—concerned their balance sheets. Large proportions of student debt holders reported that they would pay down other debts, save more for emergencies, save for a down payment on a home, or save more for retirement.
Source: Social Policy Institute
Note: These results are from a survey experiment in which student debt holders were randomly assigned to receive one of four levels of student debt forgiveness. The impacts of the different levels of debt forgiveness were estimated using logistic regression models that also controlled for the amount of student debt held by participants. N=1,009. The brackets on each bar represent the 95 percent confidence interval of each estimate.
Turning to the differences between experimental conditions, we see interesting patterns in the relationship between the amount of debt forgiven and household behaviors. In particular:
In Figure 2, we shift our focus away from the amount of debt forgiveness to the proportion of debt forgiveness. For this analysis, we converted the amount of forgiveness in each experimental condition to a percentage based on each participant’s reported amount of student debt. That is, someone with $20,000 of student debt assigned to the $5,000 forgiveness condition would have 25 percent of their student debt forgiven, whereas if that person were assigned to the $10,000 forgiveness condition, they would have 50 percent of their debt forgiven. Everyone assigned to Condition 4, as well as everyone assigned to a condition that offered more student debt forgiveness than the amount of debt they owed, were coded as having 100 percent of their student debt forgiven.
Note: These results are from a survey experiment in which student debt holders were randomly assigned to receive one of four levels of student debt forgiveness. The proportions were calculated by diving the amount of student debt held by the proposed amount of student debt forgiven. The impacts of the different proportions of debt forgiveness were estimated using logistic regression models that also controlled for the amount of student debt held by participants. N=1,009. The brackets on each bar represent the 95 percent confidence interval of each estimate.
Interestingly, Figure 2 shows some interesting differences in response patterns when we shift from considering the amount forgiven to the proportion forgiven.
As a supplemental analysis, we investigated whether or not student debt holders’ incomes influenced the relationship between student debt forgiveness amounts and hypothetical changes in their behaviors. Interestingly, for the vast majority of possible behaviors, both high- and low-income households reported that different amounts of student debt forgiveness would affect them in similar ways. The one primary exception to this was in terms of savings for emergencies—low-income households were much more likely than high-income households to say that they would increase the amount they saved for emergencies as the amount of student debt forgiveness increased.
These results show two things. First, they show how extensively student debt affects debt holders. The responses to this experiment indicate that student debt is strongly influencing decisions that can have large implications for household economic stability (e.g., emergency savings) and mobility (e.g., saving for a down payment on a home, starting a business). In addition, student debt may be altering the structure of families themselves. Roughly 7 percent of respondents reported that they would be more likely to get married (results not shown) or have children if their student debt were forgiven, indicating that this debt burden is affecting even fundamental decisions about debt holders’ life trajectories.
Second, these results show that the level of student debt forgiveness matters. In particular, setting a student debt forgiveness target too low may not lead to broad-based changes in households’ economic behaviors. However, setting a student debt forgiveness amount at a point where the average debt holder would have more than a quarter of their debt forgiven may yield large changes in savings behaviors, human capital investments (e.g., returning to school), and business starts, without leading to large changes in labor supply.
As policymakers grapple with whether or not to forgive student debt, how much to forgive, and who gets their debt forgiven, it is important to consider the impact of debt forgiveness on household behaviors and how this might differ by the amount of debt held. Our results suggest that larger amounts of debt forgiveness can improve both family stability and upward mobility—especially when these amounts make up a greater proportion of their overall student debt amounts.
Among those who are considering student debt forgiveness policies, the debate is often framed as a choice between a universal or a targeted policy approach. In this debate, proponents of targeted approaches suggest that universal approaches tend to be inequitable, as they offer benefits to individuals who don’t necessarily need them, and that these approaches tend to be unfair, as these breaks do not apply to previous debt holders who paid off their student loans. As universal approaches tend to be more expensive, proponents of targeted approaches also note fiscal trade-offs, as the money used to pay off the “luxuries” of higher earners could instead be used to help lower earners meet basic needs, such as food and housing.
While the universal approach often focuses on the dollar amount of debt forgiven and the targeted approach often focuses on the income threshold for who would qualify for debt forgiveness, our results suggest that an approach forgiving a proportion of loans should be considered as an option as well. Here, policies could take into account the actual amount of individuals’ debt and forgive a certain proportion of it. This strategy could be applied to either universal or targeted debt forgiveness, or a combination of both approaches. For example, all individuals could have a proportion of their student debt forgiven, and this proportion could increase for lower-income individuals. This approach would have the benefit of addressing the equity concerns of those advocating for a more targeted approach, while still providing real and substantial benefits to student debt holders across the income spectrum.
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These 4 student loan forgiveness plans may be in danger if legal challenges succeed.
UNITED STATES - APRIL 18: Education Secretary Miguel Cardona testifies during the House ... [+] Appropriations Subcommittee on Labor, Health and Human Services, Education, and Related Agencies hearing on Tuesday, April 18, 2023. Caronda spoke out against the latest court ruling threatening student loan forgiveness under SAVE and other income-driven plans. (Tom Williams/CQ-Roll Call, Inc via Getty Images)
Several popular federal student loan forgiveness programs may be in serious danger as legal battles continue.
Republican leaders of more than a dozen states filed legal challenges last spring to overturn the Biden administration’s SAVE plan, a new income-driven option designed to lower payments and end ballooning interest. Like all IDR plans, SAVE also provides for student loan forgiveness after 20 or 25 years in repayment, although that timeline can be reduced for certain borrowers who took out smaller loans. After a federal appeals court blocked the entire SAVE plan last week , the dispute is now headed to the Supreme Court, which may have the final say.
But while technically only the SAVE plan is under direct attack, the legal battle is having collateral effects for other student loan forgiveness and repayment programs. And if SAVE ultimately gets overturned , millions of borrowers could be impacted, even if they never enrolled in SAVE in the first place.
When the Republican-led states filed their lawsuits against the Biden administration in the spring, their target was the SAVE plan.
“The SAVE Plan lowers payments for almost all borrowers compared to other IDR plans because your payments are based on a smaller portion of your adjusted gross income (AGI),” explains the Education Department in published guidance. SAVE also has an interest benefit that “prevents your balance from growing due to unpaid interest,” and allows for student loan forgiveness in as little as 10 years for borrowers who took on small amounts of federal student debt.
The challenging states argue that the benefits of SAVE go too far, and exceed what Congress authorized when it passed legislation more than three decades ago establishing IDR plans. And a conservative panel of three judges on the 8th Circuit Court of Appeals, which blocked the SAVE plan last week, seems to agree.
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“The new SAVE plan,” in contrast to earlier versions of IDR, “is an order of magnitude broader than anything that has come before,” wrote the court in its ruling allowing a preliminary injunction, questioning its legality.
At least eight million borrowers have enrolled in SAVE so far, or were switched automatically to SAVE from an earlier version of the plan called REPAYE. All of these borrowers are now in an administrative forbearance while the litigation continues. If the Supreme Court ultimately takes up the Biden administration’s appeal and agrees with the 8th Circuit, the SAVE plan would likely get struck down, along with all of its benefits — including lower payments and any student loan forgiveness associated with the program.
But the consequences of these legal challenges may not just be limited to borrowers enrolled in the SAVE plan. Borrowers enrolled in several other IDR plans could also be impacted by an adverse Supreme Court decision.
The Biden administration established the SAVE plan using authority under the Higher Education Act. This statute, passed by Congress in 1993, sets the basic parameters for IDR plans — namely, that payments cannot exceed a certain portion of a borrower’s income, and that borrowers can’t be required to pay for longer than 25 years. Congress directed the Education Department to write more detailed regulations governing other aspects of these programs. And the department has done so several times, creating Income-Contingent Repayment (also known as ICR) in 1994, and Pay As You Earn (also known as PAYE) in 2012. The REPAYE plan, which was the predecessor to the SAVE plan, came out in 2015.
But the 8th Circuit’s recent ruling granting a preliminary injunction for the SAVE plan suggests that student loan forgiveness under other IDR plans — such as ICR and PAYE — that relied on the same Higher Education Act authority could be called into question.
“We agree with the district court that the Government’s ‘interpretation’ of this provision to authorize loan forgiveness of this magnitude ‘is questionable,’ especially in light of the fact that ‘other portions of the HEA . . . explicitly permit loan forgiveness,’” wrote the 8th Circuit in its opinion. Unlike the Income-Based Repayment plan, or IBR, which Congress authorized in 2007, there is “ statutory silence regarding forgiveness under ICR plans,” wrote the court. The panel went on to say, “Congress has made it clear under what circumstances loan forgiveness is permitted, and the ICR plan is not one of those circumstances.” Here, the court meant ICR, PAYE, REPAYE, and SAVE, all of which were established using the same Higher Education Act authority.
Attorneys for the Biden administration vehemently dispute this characterization of ICR plans, noting that for over 30 years, these programs were intended to provide borrowers with affordable payments and eventual student loan forgiveness.
The underlying authority, passed by Congress, was “mandated by statute since 1993” and allows “millions of Americans to make student-loan payments tailored to their income and then have their remaining balances forgiven at the end of a fixed period of repayment,” wrote Justice Department attorneys in their brief to the Supreme Court this week. The SAVE plan, they wrote, is “a straightforward exercise of the Department’s express statutory authority to set the parameters of income-contingent repayment plans — just as it has done for three decades.” The Justice Department accused the 8th Circuit of barely bothering to even fully review the actual statutory text, let alone the legislative intent of that text.
“This injunction, if allowed to stand, would harm borrowers who have dutifully repaid their loans for up to 25 years by denying forgiveness that has been available under law for three decades,” noted Education Secretary Miguel Cardona in a statement on Monday.
Advocates for borrowers have pointed out the obvious flaw in the 8th Circuit’s reasoning: if Congress intended for borrowers to not have to pay their student loans under certain IDR plans once they reach a certain number of years in repayment, what — other than loan forgiveness — is supposed to occur at the end of that repayment period? Does the debt continue to exist, but with no payment obligation?
But if the Supreme Court ultimately sides with the 8th Circuit, student loan forgiveness under ICR and PAYE — which technically have nothing to do with the SAVE or REPAYE plans — could all be called into question.
The Public Service Loan Forgiveness program is another popular plan that could be impacted by these SAVE legal challenges. PSLF allows borrowers working in nonprofit or government jobs to receive student loan forgiveness in as little as 10 years, provided they are meeting the program’s requirements. One of those requirements involves repaying loans under specific repayment plans, such as IDR.
To be clear, PSLF is not being challenged as part of the SAVE plan lawsuits, and the legality of PSLF has — to date — not been questioned, as Congress expressly authorized the program through bipartisan legislation signed by President George W. Bush in 2007. But the impacts of an adverse Supreme Court ruling that adopts the 8th Circuit’s reasoning could be problematic for borrowers pursuing loan forgiveness through PSLF.
PSLF borrowers enrolled in SAVE are already facing obstacles due to the administrative forbearance associated with the SAVE plan legal challenges. The forbearance period does not count toward loan forgiveness under PSLF, leaving borrowers with limited options. While technically they could switch to a different IDR plan, the Education Department is currently unable to process IDR requests and has told borrowers to anticipate very lengthy processing delays. Borrowers could utilize a new PSLF buyback option to retroactively make a lump sum payment to get PSLF credit for the forbearance period, but the buyback program is new, largely untested, and has complicated rules — including one that doesn’t allow borrowers to even request a PSLF buyback until they have reached 120 months of qualifying employment.
If SAVE ultimately gets struck down, it is unclear whether borrowers’ PSLF credit for payments made under SAVE prior to the injunction would be impacted. But borrowers looking to utilize the PSLF buyback option at a later date to get credit for the forbearance period may wind up having to make a larger-than-expected lump-sum payment, as the payment would be calculated in accordance with available IDR plans — all of which are more expensive than SAVE. Or, they may have to continue working in their public service jobs for longer than expected, effectively extending their service obligations.
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Some good forgiveness titles for the essay reveal themes of revenge, justice, and personal forgiveness. You can write an excellent reflective or argumentative essay on forgiveness - it is a versatile topic. Regardless of your forgiveness essay's specific topic and type, you should develop a strong thesis statement.
What is a thesis statement? A thesis statement summarizes the central points of your essay. It is a signpost telling the reader what the essay will argue and why. The best thesis statements are: Concise: A good thesis statement is short and sweet—don't use more words than necessary. State your point clearly and directly in one or two sentences.
The Importance of Forgiveness (in 100 Words) In this paragraph I will talk on forgiveness in 100 words. Forgiveness is essential for physical, mental, and spiritual health, benefiting both the forgiver and the forgiven. It fosters love, acceptance, and harmony in families, communities, and nations.
The Science Behind Forgiveness: 10+ Findings. In his book, Forgive for Good, Dr. Frederic Luskin, Director of the Stanford University Forgiveness Project (2003), describes his personal and academic journey into forgiveness. When Luskin began his research, there were few studies in the field of forgiveness and limited knowledge of the tools that could help those who had suffered the most.
A thesis statement is a sentence in a paper or essay (in the opening paragraph) that introduces the main topic to the reader. As one of the first things your reader sees, your thesis statement is one of the most important sentences in your entire paper—but also one of the hardest to write! In this article, we explain how to write a thesis ...
While the points made in favor of unconditional forgiveness are perhaps not novel, the skill with which the issues are explained and defended makes this essay a good candidate for course syllabuses on forgiveness. Geoffrey Scarre strays slightly from the theme of forgiveness to look at issues of apology.
A thesis statement: tells the reader how you will interpret the significance of the subject matter under discussion. is a road map for the paper; in other words, it tells the reader what to expect from the rest of the paper. directly answers the question asked of you. A thesis is an interpretation of a question or subject, not the subject itself.
It is a brief statement of your paper's main argument. Essentially, you are stating what you will be writing about. Organize your papers in one place. Try Paperpile. No credit card needed. Get 30 days free. You can see your thesis statement as an answer to a question. While it also contains the question, it should really give an answer to the ...
Step 4: Revise and refine your thesis statement before you start writing. Read through your thesis statement several times before you begin to compose your full essay. You need to make sure the statement is ironclad, since it is the foundation of the entire paper. Edit it or have a peer review it for you to make sure everything makes sense and ...
Forgiveness is a complex and multifaceted concept that involves letting go of negative emotions, such as anger, resentment, and revenge, towards a person who has wronged us. Studies have shown that holding onto grudges and harboring feelings of resentment can have detrimental effects on our mental and physical health.
Forgiveness has traditionally been defined via dictionaries as ceasing to feel anger or resentment against an offender, or forgoing a desire for revenge or restitution for a wrongdoing (Merriam-Webster Online Dictionary, 2011).We, however, utilize the empirical and theoretically derived definition of forgiveness as a prosocial process whereby negative, resentment-based thoughts, emotions, and ...
Commit publicly to forgiveness. This could mean writing a note to yourself or the person who wronged you, telling a trusted friend, or talking to the person who wronged you. Hold onto the forgiveness.
This thesis statement is not debatable. First, the word pollution implies that something is bad or negative in some way. Furthermore, all studies agree that pollution is a problem; they simply disagree on the impact it will have or the scope of the problem. No one could reasonably argue that pollution is unambiguously good.
Example 2. Poor. Abortion is a terrible practice that only deranged, baby-killing monsters would advocate under the guise of being pro-choice. Better. Despite the appeal of freedom of choice, the legalization of abortion has been detrimental to the well-being of women in America. Explanation.
Forgiveness and Personality The impact that personality has on the ability to forgive has been a topic of much debate for many years. Many experts believe that certain personality traits can make an individual more susceptible to forgiveness. The purpose of this discussion is to examine whether or not any personality seems to be more forgiving of self and others than other personalities.
What that means is that you can't just put any statement of fact and have it be your thesis. For example, everyone knows that puppies are cute. An ineffective thesis statement would be, "Puppies are adorable and everyone knows it." This isn't really something that's a debatable topic. Something that would be more debatable would be, "A puppy's ...
This thesis discusses the nature of two interrelated moral phenomena, blame and forgiveness. The two main questions this thesis addresses are: What is it to blame someone? What is involved in forgiveness? I begin by offering an account of blame which fits well with the attitudes of apology and forgiveness, as responses to wrongdoing. I introduce the idea that we blame wrongdoers for the ...
Examining 3 of the arguments of a heated debate. Student loan borrowers stage a rally in front of The White House on Aug. 25 to celebrate President Biden cancelling student debt. The plan has ...
Essay on Forgiveness by C.S. Lewis. By Macmillan Publishing Company, Inc. N.Y. 1960. We say a great many things in church (and out of church too) without thinking of what we are saying. For instance, we say in the Creed " I believe in the forgiveness of sins." I had been saying it for several years before I asked myself why it was in the Creed.
Participants were randomly assigned to one of four conditions that featured different levels of student debt forgiveness: Condition 1: $5,000 of student debt forgiveness. Condition 2: $10,000 of ...
2 samples of this type. While studying in college, you will inevitably have to craft a lot of Theses on Forgiveness. Lucky you if putting words together and turning them into relevant content comes easy to you; if it's not the case, you can save the day by finding an already written Forgiveness Thesis example and using it as a template to follow.
Q Consider the following example thesis statement and state whether you think it is a weak or strong thesis statement: " Answered over 90d ago Q I need some help in turning a topic I am interested in, into a research question.
2. When you aren't ready: After Kate Walter was dumped by her girlfriend of 26 years, Walter didn't feel that her ex deserved forgiveness — she said the woman had reneged on long-term ...
"We agree with the district court that the Government's 'interpretation' of this provision to authorize loan forgiveness of this magnitude 'is questionable,' especially in light of the ...