Subprime auto lender rarely verifies borrower income - Inside Subprime 5

Subprime auto lender rarely verifies borrower income - Inside Subprime 5/25/18 Major subprime auto lender rarely verifies borrower income Major subprime auto lender rarely verifies borrower incomeInside Subprime: May 25, 2018By Caroline ThompsonWhen someone applies for a loan to buy a car, they must disclose their income so that the lender knows they have a way to make their payments on time. But for people  in desperate need of  a set of  wheels, it might be  pretty  tempting to inflate that number to improve  their chances of being approved for the loan.You might expect this kind of deceit would be easily caught. After all, dont all lenders do the legwork to actually verify a potential borrowers income before they approve them for a loan? Apparently, the answer is no. According to an SP presale report, one of the biggest subprime auto lenders in the country, Santander Consumer USA, verified the income of just 13.8 percent of borrowers in  a September 13 auto bond loan sale.This might seem like a company oversight, but its actually not uncommon. In the subprime lending industry, verifying borrower income is actually k ind of a hinderance to making a profit. Especially when it comes to payday loans and title loans, lenders who offer short-term, high-interest loans often dont want borrowers to be able to pay back their loans in full, at least not right away. The more a borrower rolls over their loan, the more interest and fees they can stack on to the original amount. Thats how you get stories of people paying back $1,500 on $300 loans. While payday lenders will soon be forced to verify borrower income due to an Obama-era resolution thats set to take effect in 2019, auto lenders arent covered in that rule.Laurie Kight, a  spokeswoman for Santander, acknowledged that the lender rarely verified borrower income, but defended the practice.“Verifying a subprime borrower’s income for an auto loan is neither the sole nor most precise predictor of future credit performance,” said Kight. “Credit risk is indicated by a borrower’s credit score, loan terms, annual percentage rates, and loan-to-value ratios.”According to an article from Bloomberg, Santander and other large auto lenders like GM Financial have, in recent years, created new models for vetting borrowers that dont require income verification as a variable. But Santander is still an outlier when it comes to the amount of customers it verifies.  GM Financial may use a similar model to Santander, but according to a June report from Auto Finance News, they still verify 64 percent of all borrowers income.To learn more about predatory lending in the U.S., check out these related pages and articles from OppLoans:California Payday LoansGeorgia Payday LoansIllinois Payday LoansFlorida Payday LoansMichigan Payday LoansTexas Payday LoansVisit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIn

Gender Roles Of Women And Men Essay - 1485 Words

Abstract Through many generations women were not treated equally as men. Women have fought their way to have gender equality but it has been slowly progressing. More women are starting to have high ranked jobs, more have been going into the workforce and don’t have to stay home all day long to take care of the kids. There are many differences between the gender roles (how women and men act or how they should be) when it comes to certain things. Like if you tell a girl, she hits like a boy or tell a boy that he hits like a girl, it shows how both young men and women could be or are affected from different types of gender stereotypes. It might change their viewpoint on gender in the near future or as they are growing up. There are lots of gender stereotypes that exist in the world today and that is why it is so influential to the changes of communication in the workplace. Why it is an important area to study: It is an important area to study this topic because to see how gender equality or inequality can affect or how it influences the changes communications in the workplace. Showing that both genders have the same amount of education or job experiences in the workforce, there should be always a type of equality in the workforce and the employees should not be criticized based off their gender or genetic makeup. It is also good for a company or corporation to have different gender roles in the workforce. Having that stability of gender roles in the workplace is a good modelShow MoreRelatedGender Roles Of Women And Men845 Words   |  4 Pagesexpected to play specific gender roles. In Canada women and men are thought of as equal, having the same rights to respect, autonomy, and independence (Bonvillain and Miller 2013: 39). The CBSA ignored this right when the agency allowed religious travellers to avoid female guards. Although men and women may have different roles in their households and communities, their work and activities are equally valued and socially rewarded (Bonvillain and Miller 2013: 39). These roles play an important partRead MoreGender Roles Of Men And Women1749 Words   |  7 PagesRoles of Males and Females in Different Television Programs Americans watch an alarming amount of television starting from a young age. The average American watches five hours of television a day (Koblin 2016). This enormous amount of media input influences perceptions and is connected to cementing many things in people, such as gender roles. Gender roles are thoughts, actions, and feelings learned by a person fitting their gender due to cultural norms (Santrock 2016). Additionally, stereotypes appealRead MoreGender Roles Of Women And Men1461 Words   |  6 PagesFor years, women have always been inferior to men. Even the bible states, women must be submissive. During War World II, women got a chance to experience a hint of freedom. Not by choice of course. While men went off to war, women had to hold down the fort at home. This marked the beginning to pioneer change. No one foresaw this innovation until it was too late. In a society were men are superior to women, was no longer susceptible. The road towards equality was certainly not an eas y one. AlthoughRead MoreGender Roles Of Women And Men1464 Words   |  6 Pages Introduction: Gender Roles in media is how women and men are portrayed in everyday media such as tv shows, movies, and music. Today media can have negative effects on the thought of gender roles in the society because more and more people stereotype following the media, while stereotyping can lead to prejudices and gender discrimination. This is a controversial issue because men and women are depicted a certain way with unequal and identified gender-related stereotypes which influence the societyRead MoreGender Roles of Men and Women2024 Words   |  8 PagesThe gender roles of men and women are defined before a person is even born. When a parent finds out that their child is either a little boy or girl, themselves and other family members will begin the process of gender role socialization. Gender role socialization as defined in Gidden’s Introduction to Sociology is â€Å"the learning of gender through social factors such as schooling, the media and family.† (Giddens et al. 2014 : 216) By buying all blue or pink, making sure the boy will have trucks andRead MoreThe Gender Roles Of Men And Women1243 Words   |  5 PagesThe gender roles of men and women were quite different in pre-20th-century drama. In his play Lysistrata, Aristophanes creates a world to bring about his thoughts on the Peloponnesian war with the comedic relief of gender role reversal. The women in his play are not necessarily the way women of his time were, but more of what men thought they were as well as what men feared or fantasized women could be like. Through action and dialogue, the play shows examples of several different types of women. LysistrataRead MoreGender Roles Of Men And Women1702 Words   |  7 Pagesthe agricultural to industrial societies gender role has gradually changed in many ways. It can be seen from today that the role of male and female does not really much different. From the past with the perspective that women need to stay at home and perform housework while m en need to work outside, these perspectives have changed over the time. Gender role which was built within the social contexts and since the globe has changed role of both men and women should be able to transform themselves toRead MoreGender Roles Of Men And Women1362 Words   |  6 PagesGender Roles in Fairy Tales Fairy tales have been around for generations. They are a way to express the idealistic realities of society. In most fairy tales, the roles of men and women reflect the way men and women are portrayed in reality. Many cultures believe that women are to be seen and not heard and that the only necessity for them is to take care of the house and raise children to repopulate society. Fairy tales originated from oral tradition. These stories were passed down and here eventuallyRead MoreGender Roles Of Men And Women1998 Words   |  8 Pages Men and Women have many different life experiences that allow their literature to be different from each other. Gender plays a really important role in society. From the day we are born, we are instantly given a blue blanket if we are a boy or a pink blanket if one is a girl. In society, we are told that we can be whoever we want to be, but many people especially women are criticized if they want to endure a path that is similar to a male. In literatu re, authors are able to express from their realRead MoreGender Roles And Expectations Of Men And Women1009 Words   |  5 Pagesthe last few decades, there has been a trend of shift in roles and expectations of men and women. The shift was dynamic in the latter half of the twentieth century. World had been made a great stride in acquiring and adapting to the new definition of gender roles. These changes can be seen in the fields of education, media, economics as well as many other things. The reason for the change is a rapid increase in the number of women at workplaces-worldwide. Unlikely, this wave of change is

The Meaning of Mutually Exclusive in Statistics

In probability two events are said to be mutually exclusive if and only if the events have no shared outcomes. If we consider the events as sets, then we would say that two events are mutually exclusive when their intersection is the empty set. We could denote that events A and B are mutually exclusive by the formula A ∠© B Ø. As with many concepts from probability, some examples will help to make sense of this definition. Rolling Dice Suppose that we roll two six-sided dice and add the number of dots showing on top of the dice. The event consisting of the sum is even is mutually exclusive from the event the sum is odd.  The reason for this is because there is no way possible for a number to be even and odd. Now we will conduct the same probability experiment of rolling two dice and adding the numbers shown together. This time we will consider the event consisting of having an odd sum and the event consisting of having a sum greater than nine. These two events are not mutually exclusive. The reason why is evident when we examine the outcomes of the events. The first event has outcomes of 3, 5, 7, 9 and 11. The second event has outcomes of 10, 11 and 12. Since 11 is in both of these, the events are not mutually exclusive. Drawing Cards We illustrate further with another example. Suppose we draw a card from a standard deck of 52 cards. Drawing a heart is not mutually exclusive to the event of drawing a king. This is because there is a card (the king of hearts) that shows up in both of these events. Why Does It Matter There are times when it is very important to determine if two events are mutually exclusive or not. Knowing whether two events are mutually exclusive influences the calculation of the probability that one or the other occurs. Go back to the card example. If we draw one card from a standard 52 card deck, what is the probability that we have drawn a heart or a king? First, break this into individual events. To find the probability that we have drawn a heart, we first count the number of hearts in the deck as 13 and then divide by the total number of cards. This means that the probability of a heart is 13/52. To find the probability that we have drawn a king we start by counting the total number of kings, resulting in four, and next divide by the total number of cards, which is 52. The probability that we have drawn a king is 4/52. The problem is now to find the probability of drawing either a king or a heart. Here’s where we must be careful. It is very tempting to simply add the probabilities of 13/52 and 4/52 together. This would not be correct because the two events are not mutually exclusive. The king of hearts has been counted twice in these probabilities. To counteract the double counting, we must subtract the probability of drawing a king and a heart, which is 1/52. Therefore the probability that we have drawn either a king or a heart is 16/52. Other Uses of Mutually Exclusive A formula known as the addition rule gives an alternate way to solve a problem such as the one above. The addition rule actually refers to a couple of formulas that are closely related to one another. We must know if our events are mutually exclusive in order to know which addition formula is appropriate to use.

Air Pollution As A Growing Problem - 1530 Words

Since last century, air pollution has become one of the most popular topics related to people’s healthy life. After the Second World War, the consumption of fossil energy increase sharply due to the rapid development of industry and transportation, however, there almost no relevant environmental regulations to control the negative effects caused by industrial emissions. Therefore, air pollution became a growing problem. This paper will compare the conditions of air pollution between Los Angeles and Beijing, and discuss both reason and measures of their pollution. On July 26, 1943, the downtown of Los Angeles was suddenly enveloped by acrid smoke in the morning. Thousands of people began to cough, tear and sneeze. Some of them even appeared†¦show more content†¦While people keep studying about air pollution, Haagen-Smit, a chemistry professor at the California Institute of Technology and retired chemist Brunelle first found that the acrid smoke was formed by the photochemical effect in the atmosphere, which means the pollution was belonged to photochemical pollution instead of directly industrial emissions. Of course, reducing the emissions of the stationary source was still the main treatment method before people found modern management method successfully. At that time, a lot of people used garbage incinerator in their backyard; they were against the ban of garbage incinerator because they thought chemical factories were the main source of pollution. Until 1958, garbage incinerators were banned after the establishment of garbage collection plan. The first efficient modern management method was added leakproof hose on the fuel gun. When officials reviewed the air pollution control of Los Angeles in 1997, they said that adding leakproof on the fuel gun was the most economical and effective measure during 50 years. After keeping reduce emissions, the dust has decreased two-thirds in the early 1950s of Los Angeles. However, ozone in the air, the main reason cause people’s untoward effect, still keep growing. Finally, people have to face the pollution brought by motor vehicle. During the whole 1950s, people wereShow MoreRelatedChina and the World Suffer from the Use of Nonrenewable Resources, 882 Words   |  4 Pagesindustrial technology continues to grow, the more harmful air pollution gets. Air pollution is caused by all of these factors, and more. While fossil fuel sources continue to diminish, there is an increasing interest in the use of renewable technologies, such as the air, water, and sun. China is one of the many countries in the world suffering from air pollution due to household and industrial use of fossil fuels and a massive population. Air pollution also has many negative impacts on human health andRead MoreThe Effects Of Air Pollution On The Heart Of California1736 Words   |  7 Pagesgone from being America’s breadbasket to a near-dystopian wasteland—a landscape beset with air pollution with strikingly diverse causes. Five of the ten most polluted American cities can be found in this region (Wheeler, Morris and Gordon). This is not surprising given the host of actual and potential causes of air pollution problem in the heart of California. Ground level ozone is a major type of pollution in the Valley that primarily causes summertime â€Å"smog,† produced through the photochemical orRead MoreEnviromental Pollution785 Words   |  4 PagesEnvironmental pollution  is a term that refers to all  the ways  by which people pollute their surroundings. People dirty the air with gases and smoke, poison the water  with chemicals  and other substances, and damage  the soil  with too many fertilizers and pesticides:  People also  pollute their surroundings in various other ways. For example, they ruin  natural beautyà ‚  by scattering junk and litter on the land and in the water. They operate machines  and motor  vehicles that fill the air with disturbing noiseRead MoreThe Problem Of Air Pollution1708 Words   |  7 PagesArizona as the 11th fastest growing city in the U.S.1 This growth is due the unprecedented resources and growing opportunities in the state of Arizona. With all of these opportunities come more production, which means more emissions from various industries and cars, more fossil fuels burned, and household and farming chemicals added to the sky. All of these are examples of pollution; which is one the sacrifices that comes with being a large city that is emerging. Pollution is defined as the action orRead MoreIn America, Air Pollution Was An Insidious Problem That1486 Words   |  6 PagesAmerica, air pollution was an insidious problem that became so great that the government had to step in and create laws in order to regulate human activity involving pollutants. Humans ge nerate air pollution through the combustion of fossil fuels and wood, driving a motorized vehicle, and industrial processes, such as the smelting of heavy metals. Most air pollution exists in urban areas where heavy industries prevail. The Industrial Revolution in the late twentieth century caused air pollution to greatlyRead MoreEssay On Air Pollution1500 Words   |  6 PagesIntroduction: Pollution is when a harmful or poisonous gas is emitted in the presence of air that can be very harmful to the environment even for humans, especially when we don’t do anything . We might think that pollution is not really a problem in the world but it is one major problem and some countries are suffering from it now. There are many ways that we can stop pollution about but we just don’t really take matter of it, if people will just observe how pollution is affecting the environmentRead MoreEffects Of The Vatican And Nazi Germany1375 Words   |  6 Pagesdeaths- as a result of air pollution exposure.† (http://www.who.int/mediacentre/news/releases/2014/air-pollution/en/) The definition of air pollution is the air contains gases, dust, fumes or odor in harmful amounts. That is, amounts which could be harmful to the health or comfort of humans and animals or which could cause damage to plants and materials. Primary air pollutant includes carbon monoxide from car exhausts and sulfur dioxide from the combustion of coal. Further pollution can arise if pollutantsRead MoreAir Pollution Affects Our Environment963 Words   |  4 Pagesronment? Air pollution affects our environment because it causes health problems, negatively affects the economy, and causes drastic weather changes. Air pollution is one of the world s biggest killers. It is made up of gases that are released into the air in large quantities. These gases are capable of harming humans, animals, plants, and our climate. Approximately two million people die prematurely from air pollution each year. For every person that dies, hundreds or thousands more suffer breathingRead MoreEffects Of Population Pollution Essay1464 Words   |  6 Pages Population around the world is growing rapidly each year, which is unfortunately causing negative impacts on the environment. Each day the air around us is becoming more polluted as the amount of carbon dioxide emitted into the atmosphere caused by human activities increases each day. As population continues to gradually increase, it is causing harmful effects in terms of air pollution. An increase in the number of people directly varies with the pollution that is emitted into the environment. MoresoRead MoreImpact of Industrialization on Environment1103 Words   |  5 PagesEnvironment OVERVIEW Centuries ago, when there was no active expanding of large cities and industries, nature was able to overcome pollution and keep air fairly clean without outside help. The wind and rain in the form of natural rescuers scattered gases and washed away the dust. However, with increasing industrialization and urbanization, the nature’s system cannot cope with pollution and clean the environment naturally. In comparison with volcanoes, hurricanes, forest fires and other natural disasters, people

What do you think about abortion free essay sample

Abortion is essential for genetic abnormalities. In the advanced countries, prenatal testing is done for pregnant women in order to detect fetal abnormalities. This helps the parents to know if they make decision to keep the baby or not. Also, it helps them to think if they are able to handle this situation or not. Many parents when they know there is a fetal defect may decide to terminate. For instance, some prenatal results can show an Edward’s syndrome or Down syndrome. These syndromes are a major cause of mental retardation. Mental retardation is general disorder appear in adulthood . It characterized by cognitive functioning. For example, he may have hard thinking and memorizing that need special care. In that case parents should understand the effect and symptoms of the problem. Parents have the freedom to choose if they want to keep it or terminate it. Furthermore, abortion is essential for poor families. We will write a custom essay sample on What do you think about abortion? or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The world has a problem of overpopulation. Also, the environmental problems occur largely because too many people exist a nature. Having too many children causes much of the poverty found throughout the world. Some poor families cannot handle raising another child. They may have one or two children. They may resort to abortion because they do not have other choices. For example, some poor families have thought to resort to abortion because they cannot spend money to bringing up their children. Furthermore, raising a child coast a lot of money. Some families have not a good life style. Nowadays, the financial situation is different from fifteen years ago; it may coast more that 1 million dollar to raise a child. It is hard for some families to have more than one child. In addition, abortion is essential for undecided parents. For instance, some women feel they are not ready for the responsibility of bringing up a child. Also, some women feel that their life would be changed too much. For example, if they have a baby she might stop working, or it may let her to interrupt her social life with her friends. In addition, she might be looking after an elderly parent and does not have sufficient time or energy to commit to a baby. Furthermore, some women feel that her relationship with her partner is not in a good condition. Also, some women are too young to be a mother. Finally, there are women that already has grown children and does not want to start another family, or that she has all the children she wants. However, abortion is dangerous because it may cause health problem to women or may cause death in some cases. For instance, during the operation of abortion the women may lose a lot of blood and her body cannot handle this drop this will lead to other complications. On the other hand, abortion may cause complications but the reasons to have abortion it outweighs these complications. Abortion is essential in cases of genetic abnormalities, poor families and for the undecided couples. Abortion is a solution for these problems for example women who are not prepared to be mother and poor families who do not have the financial ability. Furthermore, the most important cause that is needed to terminate the fetus is if they found some genetic abnormalities. In that case abortion is indispensable. In my opinion, abortion is necessary in some cases and women should understand all the pros and cons of abortion. It is not easy to kill an unborn child but in some cases we need it.

The Effects of Teaching English as First Language on Arab Young Students on Moral and Values

Is the College Board Mismanaging the AP Program

Is the College Board Mismanaging the AP Program SAT / ACT Prep Online Guides and Tips The College Board AP program is commonly viewed as the gold standard of curriculum for high school students. An AP class is meant to replicate the experience of an introductory college course, and high scores on AP exams can potentially lead to college credit. Students often take AP classes to impress colleges with their academic prowess in high school. But how is the program doing overall? Are students really benefiting that much? In this article, I'll discuss the College Board's management of the AP program over time and how its positive and negative aspects affect students nationwide. History of the AP Program The College Board AP program is now comprised of 38 courses that span a variety of different subject areas including the arts, sciences, math, world language and culture, English, and the humanities.The popularity of AP classes and exams has grown rapidly over time.Nearly 4.5 million AP tests were administered in 2015to 2.5 million students at 21,594 schools across the country.The program began in the 1950s following concerns about the transition between high school and college-level work. Several studies were conducted through the Fund for the Advancement of Education, which recommended that high schools and colleges work together to avoid repeating coursework and allow high school students to advance more quickly when appropriate.It was suggested that exams be administered that would give students the ability to earn college credit while still in high school. A study by a group called the Committee on Admission with Advanced Standing devised a plan for high schools to implement college-level curriculum in certain classes.Educators and administrators from colleges were recruited to help with the formulation of appropriate standards that colleges would deem acceptable as a basis for granting credit to high school students. The first AP pilot program began in 1952 with courses in 11 different subjects.In the school year of 1955-56, the College Board took over the administration of the program, and it was officially named the College Board Advanced Placement Program.In the 1960s, the College Board expanded the mission of the program to include teacher training for AP classes; many teachers responded well to this and felt it was a step forward for their careers. In the next couple of decades, more and more high schools began adding AP classes to their curriculum (over 5,000 schools by 1980).The College Board also added other parts to the AP program to help teachers standardize curriculum across grade levels and prepare younger students to take on high school and college, including Pre-AP and AP Vertical Teams. Now, AP courses and exams are considered to be the highest standard of secondary school education by most colleges. Students can generally earn college credit by scoring 3s, 4s, or5s on the exams, though the exact requirements vary byschool. I can't wait to go to the Sock Hop after my AP Test! The College Board's Management of the AP Program The goal of the AP program has always been to challenge advanced high school students and prepare them for college academics.This is a great idea, but the program is not without its flaws.I’ll go over a few of the issues with AP and its management by the College Board along with some positive steps the College Board has taken to improve the program. Positive Aspects of the College Board AP Program Over the years, the College Board has promoted favorable research studies on the AP program that show its effectiveness in helping students prepare for and succeed in college. In expanding the program to more and more schools, the College Boardaims to give all students who are academically prepared the ability to take college-level classes in high school, no matter their socioeconomic status. The College Board works to identify students who have the potential to succeed in AP courses and makes an effort to bring the program to their high schools to give them more opportunities. In its 10th Annual Report to the Nation on the AP program, the College Board cites research that has shown high AP scores to be reliable predictors of success in college. Students who score 3s or higher on AP exams tend to earn higher college GPAs, perform better in follow-up college courses in the same disciplines, and are more likely to graduate college within five years than students who don't take APs. The College Board has also taken positive steps to respond to feedback and improve courses that may need revamping. It continually collects data from universities to ensure that all courses include information that's in step with the latest research and reflects introductory college material. The design of the courses and exams is a collaboration between college faculty members and AP teachers. In the next couple of years, the College Board will implement changes to a number of AP subject areas including AP Calculus and AP World History. It also plans to add more courses to the AP program to expand its reach and give students more opportunities. The College Board is conscious of other issues with the program, including racial and socioeconomic achievement gaps. It has extensively documented states' progress in closing these gaps and has advised school districts on strategies to combat these issues, including reducing the financial burden of AP classes by lowering or eliminating fees for students who qualify, providing more support to AP teachers, establishing strong fundamentals in younger grades, and encouraging students who show potential to take AP classes. This is important to keep in mind while reading the next sections; though I will list some negatives of the program, the College Board is taking steps towards fixing many of its issues. The College Board is open to changes to the AP program to make it more effective. You'll get your way this time, sentient clouds. NegativeAspects of the College Board AP Program In recent years, somestudies have emerged that dispute the value of the AP program.Though the tests are consistent and do provide some value (especially in math and science subjects), the AP courses themselves lack consistency.Teacher training resources are loosely provided, but the methods and quality of teaching in AP classes are not standardized across the board. Most criticism of the AP program is aimed at itsrapid expansion into unprepared schools.The College Board’s goal is to get as many students to take AP classes and tests as possible, but the College Board's measures of student readiness are not always accurate, so this often leads to students taking classes that they can't handle. Pushing the AP program into more and more schools also costs millions in federal and state money, which goes towards subsidizing exam fees for low-income students and promoting the classes.With a large percentage of students failing the exams, thisinvestment of money and time is potentially very wasteful. The overall pass rate for AP exams in 2012 was only 57 percent, with 22 percent of exams earning 1s (the lowest possible score). The pressure to incorporate AP programs at low-income schools may cause these schools to make ill-advised decisions to bring in the programs at the expense of more basic student needs.A small subset of students may get a better educational experience, but it can lead to worse outcomes for other students not participating in the program. There is also little evidence to suggest that taking AP classes helps students to save money on college or graduate early.Few students will earn enough AP credits to cover a full semester of college, and many colleges only use AP scores to place students out of introductory courses without giving them actual credits.Evidence does point to greater success in college by students who take AP classes, but these students are also self-selected as the most driven and tend to attend wealthier high schools. It’s debatable the role that the AP program itself plays in student success when it’s combined with so many other factors.In certain studies, when these factors have been controlled for, the advantages supposedly conferred by AP classes completely disappear.The College Board's efforts to expand the AP program to disadvantaged students might be beneficial in theory, but in reality many schools could use help on improving their current curriculum before adding AP.Even at high-performing schools, the rush to take as many AP classes as possible for students’ transcripts has made these classes more of a symbolic marker of achievement than an important educational milestone. I’ll give more details on main criticisms of the program in the next section. If there's a shaky foundation, it's hard to succeed at a higher level. The AP Cairns curriculum has a lot of flaws. Biggest Criticisms of the AP Program Some criticisms of the AP program emerged in tandem with the immense growth in participating schools.With increased competition in college admissions, the merits of AP classes are a point of contention for educators at both the high school and college levels.I’ll give a basic rundown of the most common criticisms here. You can read more about these issues by consulting this article, which goes into greater detail on major problems with the AP Program. Criticism #1: Reinforcement of Education Inequality Students from wealthier school districts get better scores on AP tests because they are better prepared and have a better support system.Well-funded schools have more success at implementing AP programs overall.Since colleges often consider AP scores and students’ record of taking AP classes in the admission process, lower income students are put at even more of a disadvantage as the AP program continues to perpetuate existing inequalities. Althoughthe College Board is proud of its initiatives to bring AP classes to low-income schools, these schools have a hard time implementing AP programs effectively.Fewer students pass AP tests at low-income schools.All of this simply reinforces the current state of affairs in education; poor students fall farther behind, and wealthy students get farther ahead. If the AP Program really wants to help prepare all students for college academics, it may have to provide extra support to teachers and students in low-income schools.Some colleges have already stopped considering APs as a significant factor in admissions decisions partially because of these issues with unfairness and inconsistency in course quality. The AP program might make existing inequalities even more significant. Criticism #2: Superficial Learning Experiences AP classes cover a lotof ground in a short period of time, and some educators argue that this creates a surface-level exploration of each subject that doesn’t always teach students vital critical thinking skills.Many AP classes force students to do a lot of memorization, and they can't compete with the depth of real college courses. It's impossible for teachers to delve into a subject extensively when they have to cover so much material, so classes can end up just skimming over the tops of important concepts. This is partially an issue with the fundamental structure of classes, but it can sometimes be overcome through the influence of a great teacher at a well-funded school. Unfortunately, teaching quality and availability of resources is inconsistent. Even though the College Board has worked to emphasize hands-on learning and inquiry over drilling of facts, variableteacher capabilities and limited school resources can make thisswitch difficult.Underfunded schools may not have lab facilities that will accommodate new requirements in AP science classes.Teachers also may not be able to adapt easily to new methods of instruction if they don’t receive extensive training. While AP classes teach students many of the same facts that they would learn in an introductory college course, they have a ways to go in teaching analytical skills at the college level.As I mentioned above, there is now a rush amonghigh-achieving students to take as many AP classes as possible, which leads to further degradation of the learning experience. Students are stretching themselves too thin just to look good for elite colleges. Too much AP toast for a limited supply of brain peanut butter. Criticism #3: Program Growth and Achievement Growth Mismatch The AP program takes pride in its growth over the years, but the vast increase in the number of schools offering the program has come with a corresponding increase in failing test scores. Some critics arguethat the AP program has reached a point of â€Å"diminishing returns.† As AP programs expand rapidly, schools that don’t have as many resources struggle to keep pace. Many new AP programs at low-income schools lack the proper support and guidance, and this has led to more failing test scores.There are some schools where no student earns even a 3 on an AP test, the minimum qualifying score. This was the case at four high-poverty high schools in Washington, D.C. in 2013.Teachers are pushed into the program without proper training and resources, and, again, federal money is spent on introducing AP while neglecting more basic issues of educational inequality. The AP program has taken some wrong turns. Conclusion The AP program has been around since the 1950s, and in recent years it has expanded rapidly to administer millions of tests to students in high schools across the country.As the program has gained popularity, however, its effectiveness has been called into question.The College Board stands by the AP program, maintaining that it is the best way for advanced students to get a head start on college course material and bridge the academic gap between high school and college. While students who do well in AP classes also tend to perform well in college, this is could be the result of other corresponding factors.Students who take many APs are usually more driven overall, and they often attend well-funded high schools.Criticisms of the AP program include its reinforcement of the divide between rich and poor students in the college admissions process, the superficiality of its curriculum, and the increased test failure rates with the expansion of the program into more and more schools.It remains unclear how the AP program will change in the future, but if it continues to expand, hopefully the College Board will revise its curriculum and policies to help all students get more out of their AP experiences. What's Next? You've probably heard about both AP exams and SAT Subject Tests, but you might not know the exact differences between the two. Read this article to find out which type of test is more important for your college applications. Are you still planning out your schedule for upcoming school years? Learn how to register for AP tests and classes at your high school. If you're unsure whether the AP program is a worthwhile use of your time, check out this guide to learn if you should really take AP classes. Want to improve your SAT score by 240 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now: