Sajay Samuel: How college loans exploit students for profit
サジェイ・サミュエル: 学生ローンは、どのように学生を搾取しているか
Professor Sajay Samuel's proposal to reduce the burden of student loans is part of his larger preoccupation with thinking beyond the conventional categories of economics and ecology. Full bio
Double-click the English transcript below to play the video.
for their passage to the new economy.
新しい経済に向かう途中で負債を負います
more than one trillion US dollars.
that is secured on their person.
見つけなければなりません
gets a second chance.
再チャンスがあります
their student loan debts.
graduating with debt.
ありませんでした
graduated from Colorado State University
コロラド州立大学を
考えられていたため
as a public good.
from Colorado State University,
卒業した時は
by working part-time.
英語の学位を取りました
was affordable, reasonable,
you paid off by graduation date.
卒業までには払い終えられました
歩みましたが
ローンを組まなければなりません
has become unaffordable
ほとんどのアメリカの家庭が
an expensive education
借金を背負っても
that you earned from it.
それほど悪い話ではありません
meets the road.
earned 10 percent more in 2001
2013年の収入より
than a quarter of those who must
4分の1以上いるなんて
can be the best of times,
良い面もあります
in ways that you can't ignore.
明らかになるからです
1.2兆ドルもあるということが
is a consumer product you can buy.
なったということです
just as the economists do now,
経済学者と同様に こう捉えています
to improve the human stock
人的資産の価値を高める
to sort and classify people
雇用者が雇いやすくするための
can hire them more easily.
ranks colleges
大学の格付けは まるで
rates washing machines.
洗濯機の格付けのようです
and soccer and science,
サッカーも科学も
of the student loan industry.
学生ローン産業を儲けさせるのです
of 1.2 billion dollars.
利益を計上しました
and packaged and sliced and diced,
小分けにして
in the higher education business
that they pretend to educate?
教育を装った搾取をしても驚きはしません
of addiction and envy."
upgraded versions of an iPhone,
iPhoneを買い替えさせられるように
more and more education.
on certifications and recertifications,
どんどん上の証書を
as a status object.
ステータスとして販売されます
of a Louis Vuitton bag,
レクサスやルイヴィトンのバッグを
of envy of others.
hidden by a very noisy sales pitch.
かき消されてしまうこともしばしばです
on television telling us,
ありません
to a middle-class life."
is the college premium:
56 percent more than a high school grad.
大卒優位のデータです
大卒なのにコーヒーショップや
working as baristas and cashiers.
矛盾するからです
in any form of post-secondary education,
高等教育に進学した100人の内
様々な理由で
including financial.
than high school grads,
for only those who complete it.
利益を得られないという事です
have been cut to the bone,
高卒の賃金が ものすごく
of what they have produced.
十分な給料を得ていません
手に入っていれば
a bad investment for many.
多かったでしょう
are not going to find an adequate job.
適正な仕事を見つけられません
doesn't look particularly promising --
希望がなく―
about this college premium thing.
盛んに売り込まれた人たちでした
higher education as a consumer product?
商品として扱ったら?
what you're paying for.
知ろうとするでしょう
miles per gallon to expect.
わかります
to the expected income.
予想される収入を示すアプリです
名付けましょう
from a given college and major.
卒業後の収入がわかります
to the huckster's ploy,
合わずにすむように
of the additional income they earn?
授業料として支払う意味がありますか?
to Income-Based Tuition.
to manage costs better,
独創的な方法を探して
the same tuition for every major.
大体同じ学費を払っています
and should change.
変えるべきです
たくさんのリソースと
as a consequence,
補助する形になります
goes on and earns more money.
給料は高くなります
buy the same product,
half or a third of the service.
サービスしか受けられないのです
学生ローンの利息を払うため
servicing their student debt,
別の専攻だと
when majors are priced more correctly.
こういう不平等はなくなるでしょう
監査してもらうべきでしょう
of Income-Based Tuition,
and the fact of financial ruin
家計破綻の恐れや 実際の破綻から
再発見するかもしれません
that they really want to.
進めるようになるかもしれません
students in America.
彼らなのです
ABOUT THE SPEAKER
Sajay Samuel - EducatorProfessor Sajay Samuel's proposal to reduce the burden of student loans is part of his larger preoccupation with thinking beyond the conventional categories of economics and ecology.
Why you should listen
Sajay Samuel is an award winning professor of accounting at the Smeal College of Business at Penn State University. He has organized seminars and lectured widely in Europe and elsewhere on a range of topics, including science and technology, the political economy of professions and decision theory.
Samuel received his Masters in Accounting and Ph.D in Business Administration from Penn State University in 1990 and 1995 respectively. Since then he has taught management accounting and related subjects to undergraduates, graduates, MBAs and Executives over assignments that included stints at Bucknell University and the University of Connecticut. He returned to Penn State in 2003 and now teaches a capstone course to all undergraduate business majors titled, "Business and Industry Analysis."
Samuel was awarded the 2006 Lester J. Shonto Faculty Award for Excellence in Accounting Education. Dr. Samuel's research has been published in such scholarly journals as Accounting, Organizations and Society, Administration Science Quarterly and Symbolic Interaction. His most recent work on accounting, technology and on the history of ideas, has appeared in three articles in the Encyclopedia of Science, Technology and Ethics (2005). His current research aims at clarifying the political implications of accounting practice. His studies in this area concern the political significance of administrative agencies and professional associations in liberal democratic polities. He has presented the early fruits of this work in France, Italy, Germany and England.
Sajay Samuel | Speaker | TED.com