1. Lost Wages
1.1. Restrictive work schedule
1.1.1. Drop shifts to study
1.1.2. No extra shifts
2. Lost Time with Family
2.1. Studying
2.1.1. Increased stress/tension
2.2. Homework
2.2.1. Commute times
2.2.1.1. Work AND school
2.3. Long/late classes
2.3.1. Difficult to go out of town
3. Mental/Emotional Toll
3.1. Stress
3.1.1. financial worries
3.1.1.1. debt
3.1.1.1.1. less income(lost wages)
3.1.1.1.2. less money to spend on family
3.1.2. Time restraints
3.1.2.1. Lost sleep
3.1.2.1.1. Little free time
4. Options for paying for school
4.1. Family
4.1.1. Not always option
4.2. Work
4.2.1. Little time/low paying
4.3. Financial AId
4.3.1. Not everyone qualitfies
4.3.1.1. Doesnt cover everything
4.3.1.1.1. Runs out
4.4. Loans
4.4.1. High interest rates
4.4.1.1. late fees
4.4.1.1.1. effects credit
5. "Freelancer"
6. Thesis:
6.1. There is a point where the real life costs of life long learning outweighs the benefits.
6.2. ISA: The alternative to student loans that will help promote life long learning
7. Income Share Agreements
7.1. Time
7.1.1. Typically ten years
7.2. Percentages
7.2.1. Approx 10% income
7.2.1.1. the more you make, the more they make
7.3. Qualifications
7.3.1. Mostly given to sure bet students (already wealthy)
8. Student Loans
8.1. Interest
8.1.1. Garnishments
8.1.1.1. Collections/Credit
8.1.2. Late fees
9. Companies buying "stock" in students
10. Tuition/Fees
10.1. thousands for tuition
10.1.1. Lab/class fees
10.2. Hundreds for textbooks
10.2.1. Parking pass
10.2.1.1. Supplies