America's Income Gap And Educational Inequality Are Worth Talking About, Even If It's Not Easy

America's Income Gap And Educational Inequality Are Worth Talking About, Even If It's Not Easy

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Last week, I wrote generally on educational inequality in college. This week, I would like to begin an in-depth analysis of this problem starting with what I believe to be the onset problem: income inequality.

As we have previously discussed, the inequality in education begins well before children enter the school system and its effects are life long. If we start at the beginning, we can see that income equality is the beginning of the vicious yet repetitious cycle of the inequalities in our education system.

Income inequality is the persistent income gap we have in America that began to grow around the 1970s and continues to thrive today. This means that the Americans at the top of the economic food chain are pulling further away from the rest of the nation and have been noticeably for the past 30 years.

Income inequality can be defined as the unequal distribution of income, wages, or wealth among the United States population. The income gap that continues to grow can be partly attributed to the "contest" or "American Dream" mindset most Americans have grown up learning about.

Americans are taught that with hard work and dedication, we can amount to anything regardless of race, class, gender, or sexual orientation, but this could not be further from reality. The reality is, most of the time we end up within the same socioeconomic status as our parents.

Several studies have shown that there is little room for upward social mobility in the U.S. which could be partly due to the infrastructure of our country beginning in the late 1970s. During this time, there were several changes regarding tax, unionization, and policies on wages and employment. Therefore, if everybody has neutral social mobility, meaning they do not move up or down, the rich will stay rich, and the poor will remain poor; thus, a continuous income gap.

Income inequality in the United States can also be attributed to the difference in wages among skilled workers and labor workers. Despite the reasons that have to lead to the income gap in America, there is no doubt it exists and impacts everyone despite our socioeconomic status because it affects the overall growth of our nation.

The issue of income equality is relevant because it impacts our society, specifically our education system. The U.S. argues to be a fair contest, offering free and equal education based on a standard curriculum, essentially preparing all children for the same future rather than focusing on their specific strengths and talents. Along with this is the simple fact that those parents on the top of the economic food chain are offering their children opportunities, that parents on a fixed income cannot provide their children.

This leads to an early advantage among the wealthier children that begins before they enter school and is consistent throughout the rest of their lives. Studies have consistently shown time and time again the importance of preschool education. In addition to the normal intellectual learning that takes place, the children learn how to socialize with their peers at an early age developing better communication skills.

This difference in education only grows once enrolled a common curriculum that does not even out the playing field but just makes it more significant by preparing all children for the same future and this is why those skills learned at an early age in addition to several others is a critical factor in continued success.

Private school is one of the most defining factors of income and educational inequality. Any family not earning more than the median household income of $61,372 is not even considering the possibility of a private school, nor do they have time to understand the "ins and outs" of magnet vs. charter schools to provide their children with the best possible opportunities. Studies have shown the positive impact of extracurricular activities, and despite many efforts to reduce out of pocket costs, these activities, organized sports and club leagues are still out of reach for many families.

All of these advantages carry over and further the gap when these children are rounding out their high school careers. The same children who could not afford private school and organized sports are now not applying for college because they can not afford to take the SATs and ACTs more than the one time they are offered in public school. Therefore, they can not attempt to "super score." They also cannot afford the inflated application fees that come with higher education.

The few children from these families that make it to college continue to experience significant issues and challenges because their financial situation still does not often improve. Most times it will worsen because now their family is struggling to meet the needs of a college student.

Once you are behind, it becomes harder and harder to catch up, and this struggle is often accompanied by mental and emotional challenges that can be further discouraging. I believe that by addressing the serious issue of income inequality in America, we can begin to repair a broken education system and provide equal opportunities for all Americans and place within reach a better quality of life across our society.

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Jason Kulpa, San Diego CEO and Founder of Jason Kulpa Wife Scholarship, Reveals 3 Smart Ways to Tame the High Cost of College

The cost of college is going nowhere but up, but you do not have to succumb to all that debt.

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If you are worried about the high cost of higher education, you are not alone. With the cost of college tuition going nowhere but up and financial aid holding steady or going down, even middle- and upper-class parents often worry that they will not be able to make their dreams of a college education for their children come true.

No matter who you are or where you live, the cost of a college education keeps going up. If you want to help your son or daughter graduate without crippling college loan debt, you need to think out of the box and look for creative ways to tame the high cost of a college education.

Apart from applying to scholarships to fund higher education, such as the Jason Kulpa Wife Scholarship (learn more at www.jasonkulpawife.com), there are three strategies you can use to reduce the cost of college without sacrificing the education your child needs and deserves.

1. Use Tuition Assistance to Enhance Your Career at Virtually No Cost

Even in today's high-cost college environment, there is a way to get an excellent education and do it at virtually no cost. This path may take longer, but the thought of graduating from college with a stable full-time income and no debt whatsoever is undoubtedly an attractive one.

There is something to be said for entering the workforce right after high school, and a growing number of young people are considering this option. Many employers offer tuition assistance to even entry-level workers and going to college part time while working full time is more feasible than ever, thanks to the widespread availability of online learning and virtual college courses.

If you take this approach, you could graduate with marketable skills your current employer will appreciate, setting you up for future promotions and a higher salary. Best of all, the cost of that education could be negligible, putting you on a sound financial footing and helping you enjoy even greater success while your peers are struggling with college debt.

2. Take Advantage of Work/Study Opportunities

Working your way through school does not necessarily mean delivering pizzas on the weekend or tending bar in the evenings. Many colleges provide work/study opportunities for their students, giving young people the chance to earn a living while securing their future education.

Some of these work/study opportunities are limited a single field of education, while others are open to all. If you are looking for a way to avoid college loan debt, you owe it to yourself to check out these work/study opportunities and take advantage of them when you can.

3. Start with a Community College Education

Compared to the cost of a four-year college or university, the price of community college is a real bargain. More and more community colleges are offering courses specifically designed to give budget-conscious learners a head start on the education they need.

Taking your first year or two of education at a community college could save you a ton of money on tuition and room and board. Once you have a solid background in your course of study, you can transfer your community college credits to a four-year school and continue your education without incurring huge college loan debt.

The cost of college is going nowhere but up, but you do not have to succumb to all that debt. If you are willing to think outside the box and take an unorthodox path to higher education, in addition to seeking out and applying for niche scholarships such as the Jason Kulpa Wife Scholarship, you could escape the college loan trap and get a jump start on a great career.

About: The Jason Kulpa Wife Scholarship is just one of several investments Jason Kulpa has pledged to his community. Jason Kulpa founded San Diego based UE.co in 2008 after holding operations positions at a number of fast-growing Ad-Tech companies. Since becoming CEO, he has taken a hands-on approach to driving strategic partnerships and creating a company culture that promotes innovation and respect for high-level vision. Mr. Kulpa graduated from the W.P. Carey School of Business at Arizona State University.

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Why Online Payments Are A Boon For E-commerce

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There's a steady rise in the number of consumers opting for online payments in 2019, with mobile payments seeing an exponential increase. As per a study done by Price Waterhouse Cooper, consumers choosing to purchase through mobile payments have doubled in less than a decade - from 7% to 17%.

If you're an online business owner, it's vital to offer your customers an array of payment options to stay competitive in your niche market. The greater the variety of payment options available to a customer, the higher the customer satisfaction rate. Another added advantage of having multiple payment options is it decreases the time to get payments. Many vendor sites benefit and save time by receiving payments through direct debits from bank accounts or secure phone payments.

If as a business owner, you're wondering how to accept payments online, here are a few options.

Offer an online payment gateway: Creating an easy-to-fill payment form will assist customers to pay directly. Repeat customers can set up an account with their payment information securely stored for repeat payments when shopping at your site. Another option is to outsource the online payment gateway feature to specialist companies dealing in online payment services. This will cover all aspects, from handling the payment form and providing secure payment to securing customer data. The form can also be tailor-made in accord with your brand. Giving customers the facility of an online payment form makes it feasible to receive payments via e-check, debit or credit card.

Online Card Payment: Giving the customer the facility to make payments via a debit or credit card is the simplest way of accepting online payments. If you intend to integrate this feature on your website, you'll need to choose between a holding account held by an intermediary or setting up your personal dedicated business account. Both of these have very different processes, so you need to do your homework and find which is best suited for your business. The top debit cards are Mastercard and Visa, while American Express, Mastercard, and Visa are among the most popular credit cards used across the world.

E-check Through ACH Processing: Another popular way of accepting payments is by directly debiting a customer's bank account through the use of e-check (electronic check). For this, the customer provides the information on the regular check, i.e. name, amount, account number, routing, and authorization, using an online form for payments or an interface. This enables the payment to get processed electronically without any need of a regular paper check. The ACH process is done under the guidelines of the National Automated Clearing House Association with transaction fees (generally lower than credit cards). A bonus is it's swifter and a more secure way to receive payments than getting a regular check via standard mail.

Mobile Payment: This is one of the fastest growing payment modes, and comes in the form of entering a credit card number using a card with a chip or swiping on a variety of mobile devices. The payment is authorized after the customer keys in the PIN. A receipt gets generated immediately.

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