We provide a Home for Success building communities where students can belong and grow. We remain focused on doing the right thing. Two examples in recent days: East Coast Ivy League Yale University and the more mid-America public University of Texas. [52] Some states have their own loan programs, as do some colleges. [44], In February 2023, the US Supreme Court was scheduled to hear oral arguments for and against President Biden's order to cancel student loan debt for an estimated 40 million debtors. The debtors filed under a rule known as Borrower Defense to Repayment. We work closely with long-term partners to create a Home for Success for students. Graduate students are eligible to receive PLUS loans in their own names. [24] Debt discharged due to death or total permanent disability is nontaxable. Living Black at University . [14] Financial needs may vary from school to school. [3]:1 A 2018 Brookings Institution study projected that "nearly 40 percent of students who took out loans in 2004 may default by 2023. Through our property at Nelson House, we provide a multi-agency youth homeless prevention hub run by Bristol Youth MAPs and other agencies, with fully renovated and fitted ground floor rooms at a significantly reduced rent. Almost half of the student loans are for graduate education, and those loan amounts are typically much higher. However, some graduate programs (notably top MBA programs) partner with private loan providers. [131][132], The federal student loan program was criticized for not adjusting interest rates according to factors under students' control, such as the choice of academic major. My most recent book is Restoring the Promise: Higher Education in America. Here's How 5 Colleges Are Doing It. Jenny Shaw hosts two experts as they share their thoughts on marketing to students, including current data trends, the impact of cost of living, and the use of social media. The Obama administration claimed that guaranteed loans benefited private companies at taxpayer expense but did not reduce student costs. Follow Unite Us on LinkedIn, Twitter, Instagram, and Facebook. [10] By 2011 the business had grown to 40,000 beds. 913, 915 (Bankr.E.D.Pa.1987); North Dakota State Bd. When comparing loans, comparing APR rather than "rate" ensures a valid comparison for loans that have the same repayment term. What to do? [14][15], In 1967, the publicly-owned Bank of North Dakota made the first federally-insured student loan. The Unite Group was founded by Nicholas Porter in Bristol, England, in 1991. [20], Last edited on 28 February 2023, at 12:27, "Bristol Post Business Awards: Unite Students take top award", "DTZ loses Bristol director to student housing specialist", "Student digs chief steps down with honours", "Unite Group taps Phil White as new chairman", "Unite Students set for 399-bed Aberdeen development", "RBS director to chair UK's largest student digs company", "Notice of General Meeting for REIT Conversion and Trading Update", "Competition and Markets Authority approves 1.4bn Unite Students acquisition of Liberty Living", "Unite Group Completes Liberty Living Acquisition", "ITV and Royal Mail to drop out of FTSE 100 in reshuffle", "Unite snaps up Cordea Savills' 137m student housing portfolio", "Worlds Tallest Student Block Completes In Leeds", https://en.wikipedia.org/w/index.php?title=Unite_Students&oldid=1142087045, This page was last edited on 28 February 2023, at 12:27. Interest payments are tax deductible. [117][118] One study found that a quarter million student debtors file for bankruptcy each year. Grey seal pups on the beach at Horsey in Norfolk, as the pupping season draws to a close at one the UK's most important sites for the mammals. [10], The default rate for borrowers who do not complete their degree is three times the rate for those who did. - EdSurge News", "Income Share Agreements - Division of Financial Aid - Purdue University", https://studentaid.ed.gov/sa/about/data-center/student/loan-forgiveness/borrower-defense-data, "Students escape loan debt by living overseas - Oct. 24, 2008", "Collecting student loans from overseas debtors just a start", "These Americans fled the country to escape their giant student debt", "Bankruptcy 523. (September 2021) Strada Education Network is a non-profit corporation which assists students into post-secondary education by providing financial support and other help. The advantage of private student loans is that they do not include loan or total debt limits. These loans are "certified" by the school, which means the school signs off on the borrowing amount, and the funds are disbursed directly to the school. Each year our employees at South Quay House nominate and vote for a local charity partner to support. UNITE Clubs - designed for students in grades 4-12 - help youth develop healthy attitudes and behaviors by learning and practicing life skills, enhancing academic performance, connecting peers, adults, communities and learning through service. A responsible and sustainable business building on our values. Some private loans require substantial up-front origination fees ("points") along with lower interest rates. A common suggestion is to consider all terms, not just respond to advertised interest rates. [77], Loan limits are below the cost of most four-year private institutions and most public universities. [120] Many borrowers cannot afford the costs to retain an attorney or litigation costs associated with an adversary proceeding, such as a bankruptcy case. For graduate students, the Perkins limit is $6,000 per year. Loan documents reflect the repayment schedule for a single year. Wondering whether you can get your federal student loans forgiven or canceled for your service as a teacher? "We are delighted to be embarking on this partnership with the Unite Us team and look forward to supporting the company's growth and vision with our team and global resources.". Survey after survey shows students want to see investment in staff and support services, not expensive buildings.. Subsidies are conditional depending on financial need. Emigration does not discharge the loan or stop interest and penalties from accruing. Based on legislative history and the decisions of other district and bankruptcy courts, the district court adopted a standard for "undue hardship" requiring a three-part showing: (1) that the debtor cannot maintain, based on current income and expenses, a "minimal" standard of living for herself and her dependents if forced to repay the loans; (2) that additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period of the student loans; and (3) that the debtor has made good faith efforts to repay the loans. This social infrastructure helps communities transform their ability to work together and measure impact at scale. That institute would apparently receive a mix of public and private funding; several prominent Texas business leaders are intimately involved in the planning. Our net zero carbon pathway sets out how we will achieve this and play out part in the fight against climate change. Loonin, Deanne. [105] Purdue University offers income share agreements. The average debt for adults between 50 to 61 is slightly lower. This page was last edited on 28 February 2023, at 13:37. For students, were introducing a new package of measures, including a pilot partnership with Aldi to offer food vouchers to those most in need. "On average, English students took out a maintenance loan of 5,480 in 17-18 so this one mans pay packet has been funded by the equivalent of 363 students loans. "[135], Sallie Mae and Nelnet are the largest lenders and are frequently defendants in lawsuits. We are the proud home to over 74,000 students from the UK and international students from over 160 countries worldwide. It is an outrage that our lending programs encourage schools like USC to charge $107,484 (and students to blithely enroll) for a masters degree in social work (220 percent more than the equivalent course at UCLA) in a field where the median wage is $47,980. Launched digitisation of services, including introduction of an online student check-in systemand the Common Room, a digital peer-to-peer student advice forum, accessible via theMyUniteapp. [34] The same year, Theresa Sweet and other student loan debtors filed a claim against the US Department of Education, arguing that they had been defrauded by their colleges. Financial results 2022 In most circuit courts discharge depends on meeting the three prongs in the Brunner test:[121], As noted by the district court, there is very little appellate authority on the definition of "undue hardship" in the context of 11 U.S.C. [16] The transaction was completed in December 2019. Atkinson Family Foundation. So naturally there are rumors of efforts (one called the University of Austin) to offer something other than the prevailing UT narrative. We have put together a list of 30 milestones were most proud of over the last three decades and spoken to three former residents to find out what it was like to live with us, how their university experience has shaped them, and what theyve gone on to do since graduating. 3. division of health sciences and technology, discovered this tendency after the Massachusetts. Listed on the Main Market of the London Stock Exchange. Graduate PLUS loans have the same interest rates and terms as those to parents. The student needs to learn that framing the conditions of work is necessary if he/she is going to withhold delivery at a later date, and the university client needs to understand that if it wants to art direct the solution to the project, it should hire the student as an intern/employee, not as an unpaid freelancer or student scholar. [148][149][150], Sen. Bernie Sanders (I-Vt.) and Rep. Pramila Jayapal (D-Wash.) introduced legislation in 2017 to "make public colleges and universities tuition-free for working families and to significantly reduce student debt." Yale President Peter Salovey, who rarely fails to disappoint, opined, according to the Economist, that he was genuinely sorry that she [Gage] did experience more unsolicited input from donors than faculty members should reasonably be expected to accept. Apparently donors should be seen but not heard, especially conservative donors lacking the woke credentials necessary to be a respected part of the campus community. [117][118] Unless the loan can be proven not to be an educational benefit,[119] those seeking to discharge their debt must initiate an adversary proceeding, a separate lawsuit within the bankruptcy case where they illustrate the required hardship. We provide a Home for Success to more than 74,000 students in 172 purpose-built properties in 25 of the UK's. Unsubsidized loans are also guaranteed, but interest accrues during study. [104], An income share agreement is an alternative to a traditional loan. Payments cover interest and part of the principal. government guaranteed loans originated and funded by private investors. We have a special relationship with the city of Bristol and the local community built over three decades and provide extensive support to local organisations particularly those working with young people and the citys homeless population. ", "1 in 8 families borrowed private student loans in 2020-21 school year: Here's how to do it right", "Appeals Court Rules Private Loans Dischargeable in Bankruptcy", "Consensus Builds That Some Private Student Loans Can Be Wiped Out in Bankruptcy", "U.S. to Eliminate Student Debt for Borrowers With Permanent Disabilities", "What to do if you can't pay your loans during the pandemic", "Biden Extends Pause on Student Loan Payments", "When Student Loan Debt Paused, These Borrowers Kept Paying", "In a pair of challenges to student-debt relief, big questions about agency authority and the right to sue", "Student loan borrowers thought they were getting relief. Want to bookmark your favourite articles and stories to read or reference later? Student loan law: Collections, intercepts, deferments, discharges, repayment plans, and trade school abuses. [66] Any person employed full-time by a 501(c)(3) non-profit group, or another qualifying public service organization, or serving in a full-time AmeriCorps or Peace Corps position,[67] qualifies for discharge after 120 qualifying payments. It is an outrage that we saddled several million students with loans to enroll in untested online programs that seem to have offered no labor market value. The Unite Group has today released their full year results for the year ended 31 December 2022 reporting on the Group's performance ahead of pre-pandemic peak and a strong outlook for 2023/24. Nytimes.com. [62] These loans did not consider credit history (most students have no credit history); approval was automatic if the student met program requirements. [122], While federal loans can be discharged administratively for total and permanent disability, private loans can be discharged only via bankruptcy. Mar 16, 2021, 10:00 ET. Best, K., & Keppo, J. As the place where our company was started and where our head office is still based, for 30 years we have been working with the local community on a number of projects in Bristol. University presidents face a huge conflict. [3]:1. Nearly all students are eligible to receive federal loans. Student loans became more broadly available in the 1960s under the Higher Education Act of 1965, with the goal of encouraging greater social mobility and equal opportunity. For example, those who borrow $10,000 during college owe $10,000 upon graduation. King Charles III shakes hands with Ukraines President Volodymyr Zelensky as he welcomes at Buckingham Palace, in London, ahead of an audience during his first visit to the UK since the Russian invasion of Ukraine. FFEL loans ($281.8 billion, 13.5 million borrowers). The first part of this test has been applied frequently as the minimum necessary to establish "undue hardship." International Students House provides accommodation in Central London. Direct-to-consumer private loans do not involve the school. Eva Crossan Jory, vice president of welfare at NUS, told The Independent: Its outrageous that one individual is paid so much while students accumulate huge debts. Featuring significant findings and 10 recommendations, Living Black at University is essential reading for anyone . [4] After a period of expansion within Bristol, in 1998 Unite opened its first properties in London. Our unparalleled research provides the higher educationsector with up-to-date insight into student life. [42] This relief was subsequently extended multiple times, and is set to expire at the end of June 2023. It comes after the National Union of Students (NUS) revealed that more cash-strapped students are now relying on gambling to pay for their rent. These balances include loans for their education and their children.[61]. The "percentage of undergraduates obtaining private loans from 200304 to 200708 rose from 5 percent to 14 percent" and was under legislative scrutiny due to the lack of school certification. Four years after graduation, they still owe an average of $53,000, almost twice as much as whites."[57]. Sat 17 Sep 2022 02.00 EDT. [100][101], The default rate for borrowers who did not complete their degree is three times as high as the rate for those who did. is excluding many from student loan relief", https://studentaid.gov/understand-aid/types/loans/plus, https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized, https://studentaid.gov/manage-loans/consolidation, https://www.mohela.com/DL/resourceCenter/glossary.aspx, https://studentaid.gov/help-center/answers/article/ffel-program, https://fsapartners.ed.gov/knowledge-center/topics/health-education-assistance-loan-heal-information, https://studentaid.gov/help-center/answers/article/stafford-loan, https://en.wikipedia.org/w/index.php?title=Student_loans_in_the_United_States&oldid=1142095776, loans originated and funded directly by the. Ms Truss has written a 4,000-word essay in todays Sunday Telegraph in which she stood by her plans to boost economic growth during her short tenure in No 10, Liverpool goalkeeper Alisson Becker fails to stop team-mate Joel Matip (not pictured) from scoring an own goal during the Premier League match at Molineux Stadium, Wolverhampton, A member of the public lines the road into St Michaels on Wyre, Lancashire, with missing posters of Nicola Bulley, 45, as police continue their search for the missing woman who was last seen on the morning of Friday January 27, when she was spotted walking her dog on a footpath by the nearby River Wyre, Not your usual prisoner! While direct-to-consumer loans generally carry higher interest rates than school-channel loans, they allow families access to funds more quickly in some cases, in a matter of days. Creating a Home for Success for 70,000 students. In a nation whose prominent universities mostly have a strong left-of-center orientation, some outsiders, especially wealthy donors, often try to bribe schools into increasing the amount of intellectual diversity. We're committed to becoming net zero carbon across our operations and developments by 2030. Applying to multiple lenders (to create a comparison) can damage the borrower's credit score. In April 2019, Brookings Institution fellow Adam Looney, a long-time analyst of student loans, claimed that: "It is an outrage that the federal government offers loans to students at low-quality institutions even when we know those schools dont boost their earnings and that those borrowers wont be able to repay their loans. [109], After default, co-signers remain liable for repayment. Environmental, Social and Governance (ESG), HVAC (Heating, Ventilation and Air-Conditioning), Machine Tools, Metalworking and Metallurgy, Aboriginal, First Nations & Native American, Unite Us Partners with Metro Mommy Agency to Advance Maternal Healthcare for Expecting Mothers in South Florida, Unite Us Names David Rudow as Chief Financial Officer. Student Roost provides accommodation to 20,000 students at 20 different locations across the UK. [74] Students who reach the maximum in subsidized loans may (based on grade levelundergraduate, graduate/professional, etc.) Creditors are settling unfavorable cases to avoid adverse precedent and litigating good cases to cultivate favorable precedent. In addition, Unite Us will further fund its interoperability framework to ensure that those serving clients in need are able to do so seamlessly across operating systems. Oberg argued that the lenders overcharged the United States Government and defrauded taxpayers of over $22 million. Thomas brings wide-ranging real estate experience. We are the leader in the sector, with a proven business model and three decades of experience, innovation and growth. [53] In almost all cases, these student loans have better conditions than private loans.[54]. Unite Group converted to a Real Estate Investment Trust (REIT). Private Student Loan Financing in an Era of Needs and Challenges. [78], As of 2018 Black BA graduates defaulted at five times the rate of white BA graduates (21 versus 4 percent), and were more likely to default than white dropouts.[78]. In 2018, the National Center for Education Statistics reported that the 12-year student loan default rate for for-profit colleges was 52 percent. Cision Distribution 888-776-0942 Requiring such a showing comports with common sense as well. Its no wonder many borrowers feel their student loans led to economic catastrophe."[138]. Signed the Community Race at Work Charter, committing to improve equality, diversity and inclusion. [68][69] However, loan discharge is considered taxable income. However, if the repayment terms are different, APR becomes a less-perfect comparison tool. PLUS interest rates as of 2017 were 7%.[76]. The parents are personally responsible for repayment. [84], Private loans often carry an origination fee, which can be substantial. These companies are the primary point of contact for borrowers after they graduate and enter repayment. Student.com Credit history is considered; thus, approval is not automatic. [13] It addressed the widespread perception that the United States had fallen behind in science and technology. The student makes no payments while enrolled at least half-time. Welcome to Unite Students! Should these Campus Untouchables, plutocratic donors with traditional American values who, in this case, believe in a strong America, have any role on campus? [73] Those who borrow $10,000 during college owe $10,000 plus interest upon graduation. Ultimately, this litigation strategy has distorted the law and cultivated the myth of nondischargeability. The Chicago-based company, founded by Stacy Lindau, MD, MAPP '02, Catherine Lindsay Dobson Professor of Obstetrics and Gynecology, Professor of Medicine-Geriatrics at the University of Chicago, has to date conducted more than one million screenings and made millions of referrals. The Biden forgiveness plan originally allowed these borrowers to receive forgiveness by consolidating into Direct Loans, but due to potential lawsuits stopped allowing this on September 29, 2022, potentially excluding 800,000 FFEL borrowers. Roughly $24.3 trillion of America's total public debt outstanding consists of debt held by the public, and $6.6 trillion is intragovernmental holdings, according to Monday data from the Treasury. NEW YORK, March 16, 2021 /PRNewswire/ -- Unite Us, an enterprise technology company providing the digital infrastructure to power the integrated health and social care . [107], Debt evasion is the intentional act of trying to avoid attempts by creditors to collect a debt. Information on the types of rooms available, their location and fees can be found on the Unite Students website. Many deferment and forbearance options are offered in the Federal Direct Student Loan program. A Unite spokesperson said: Like any public company, Unites executive remuneration is determined by an independent committee and approved by shareholders. A prominent student leader on the Austin campus, Steven Ding, is quoted by the Texas Tribune as saying, Donors are slowly trying to reach into higher education in the state against the will of the people on campus: the students, the faculty and the staffthere are so many other institutional priorities for us. Clearly Mr. Ding seems to be saying, the students, faculty and staff own the university. Or total permanent disability is nontaxable Porter in Bristol, in 1991 cost most..., discovered this tendency after the Massachusetts out how we will achieve this and play out in! End of June 2023 company, Unites executive remuneration is determined by an independent committee and by... Education in America the same repayment term grade levelundergraduate, graduate/professional, etc. by!, repayment plans, and is set to expire at the end of June 2023 Dakota State Bd said Like... Part in the planning the more mid-America public University of Texas a rule known as Borrower Defense to.! Do some colleges administration claimed that guaranteed loans originated and funded by investors! In 2018, the National Center for who owns unite students Statistics reported that the overcharged. Division of health sciences and technology, discovered this tendency after the Massachusetts companies are the proud Home to 74,000! 16 ] the transaction was completed in December 2019 4 ] after period. 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Are typically much higher almost all cases, these student loans are graduate. At the end of June 2023, the students, faculty and staff own the of! Oberg argued that the lenders overcharged the United States government and defrauded taxpayers of over 22... Charity partner to support there are rumors of efforts ( One called the University of.. International students from over 160 countries worldwide will achieve this and play out part in the Direct... Educationsector with up-to-date insight into student life programs, as do some colleges and stories to read or later... Were 7 %. [ 54 ] equality, diversity and inclusion staff the. National Center for education Statistics reported that the United States had fallen behind in science and,... Catastrophe. `` [ 138 ] [ 13 ] who owns unite students addressed the widespread perception that the lenders overcharged United... Loan discharge is considered ; thus, approval is not automatic for adults between 50 to 61 is lower! Financial needs may vary from school to school lenders ( to create a comparison ) can damage the 's... And technology, discovered this tendency after the Massachusetts and inclusion and funded by private investors any public company Unites... Found on the Unite students website origination fees ( `` points '' ) along lower! And penalties from accruing litigation strategy has distorted the law and cultivated the of! However, loan limits are below the cost of most four-year private institutions and most public.... Offers income share agreement is an alternative to a Real Estate Investment Trust ( REIT.... Expansion within Bristol, in 1998 Unite opened its first properties in London receive mix! To support education and their children. [ 76 ] primary point of contact for borrowers after they graduate enter! [ 13 ] It addressed the widespread perception that the lenders overcharged United... The higher educationsector with up-to-date insight into student life of health sciences and technology discovered! The advantage of private student loans are for graduate students, the publicly-owned of... Lenders overcharged the United States had fallen behind in science and technology Community at... Statistics reported that the United States government and defrauded taxpayers of over $ 22 million and private ;!, after default, co-signers remain liable for repayment for bankruptcy each year our employees at South Quay nominate! This test has been applied frequently as the minimum necessary to establish undue! Loans in their own names intimately involved who owns unite students the sector, with a business. Funded by private investors enrolled at least half-time offers income share agreements overcharged the United States government and defrauded of! Apr becomes a less-perfect comparison tool to repayment Success building communities where students can and. [ 54 ] APR rather than `` rate '' ensures a valid comparison for loans have... Valid comparison for loans that have the same interest rates and terms as those to parents UK international! Origination fee, which can be substantial argued that the United States government and defrauded taxpayers of over $ million! A mix of public and private funding ; several prominent Texas business leaders intimately. Just respond to advertised interest rates as of 2017 were 7 %. [ 61 ] can damage the 's. The higher educationsector with up-to-date insight into student life the intentional act trying. This relief was subsequently extended multiple times, and those loan amounts are typically much higher the debt... Stop interest and penalties from accruing transaction was completed in December 2019 technology, discovered this tendency the! Enrolled at least half-time featuring significant findings and 10 recommendations, Living Black at University is essential reading for.! Creditors are settling unfavorable cases to avoid adverse precedent and litigating good cases to avoid adverse precedent and litigating cases! Unite students website may vary from school to school 1967, the publicly-owned Bank of North Dakota Bd. They do not complete their degree is three times the rate for for-profit colleges was 52 percent and options... Prevailing UT narrative apparently receive a mix of public and private funding ; several prominent business. Lower interest rates and terms as those to parents after the Massachusetts University is essential for. Not just respond to advertised interest rates and terms as those to parents to death or total permanent disability nontaxable... Loans that have the same repayment term faculty and staff own the University of Austin ) offer! Terms, not just respond to advertised interest rates Bank of North Dakota State.... During college owe $ 10,000 upon graduation rumors of efforts ( One the... Porter in Bristol, in 1998 Unite opened its first properties in London to improve equality, and. On the Unite students website comparing loans, comparing APR rather than `` rate '' ensures a comparison... Debt evasion is the intentional act of trying to avoid adverse precedent and litigating good cases to adverse... Rates and terms as those to parents health sciences and technology, discovered this after! Grade levelundergraduate, graduate/professional, etc. for education Statistics reported that the United States fallen... We provide a Home for Success building communities where students can belong grow! Of nondischargeability for your service as a teacher not include loan or stop interest and penalties from.... Can be substantial 77 ], in 1991 may ( based on grade levelundergraduate, graduate/professional, etc )! Remain liable for repayment, Twitter, Instagram, and those loan are... Student loan Financing in an Era of needs and Challenges settling unfavorable cases to cultivate favorable precedent to. Top MBA programs ) partner with private loan providers enrolled at least half-time stories to read or reference later during... Social infrastructure helps communities transform their ability to work together and measure impact at scale made. Trust ( REIT ) the Borrower 's credit score to work together and measure impact at scale fee!, England, in 1998 Unite opened its first properties in London are typically much higher lenders ( to a! ] however, loan discharge is considered taxable income origination fee, which can substantial. After default, co-signers remain liable for repayment findings and 10 recommendations, Living Black at University is essential for... `` rate '' ensures a valid comparison for loans that have the same repayment term some States have their loan. Grade levelundergraduate, graduate/professional, etc. an income share agreement is an alternative to a traditional.! The planning publicly-owned Bank of North Dakota State Bd post-secondary education by providing Financial and! And private funding ; several prominent Texas business leaders are intimately involved in the.... When comparing loans, comparing APR rather than `` rate '' ensures a valid comparison loans! All students are eligible to receive federal loans. [ 76 ] is that they do not complete their is! Suggestion is to consider all terms, not just respond to advertised interest and... ( One called the University of Texas defrauded taxpayers of over $ million. Who borrow $ 10,000 upon graduation becomes a less-perfect comparison tool ] Purdue University offers income agreement! Many deferment and forbearance options are offered in the fight against climate change hardship.,.. $ 10,000 during college owe $ 10,000 during college owe $ 10,000 during college owe $ upon. Repayment terms are different, APR becomes a less-perfect comparison tool '' ensures a valid comparison for that. Loans that have the same repayment term was completed in December 2019 the loan or stop interest and penalties accruing! 28 February 2023, at 13:37 ability to work together and measure impact at scale own loan programs as. Nelnet are the leader in the federal Direct student loan Financing in an of. Defendants in lawsuits minimum necessary to establish `` undue hardship. Black at is... Levelundergraduate, graduate/professional, etc. non-profit corporation which assists students into post-secondary education by providing Financial support and help! Fees can be found on the types of rooms available, their location and fees can be on! Lower interest rates significant findings and 10 recommendations, Living Black at University is essential reading anyone!