Excessive student loan debts

    1. Identify – clearly state the problem you are trying to solve. 2. Define – thoroughly describe the problem. Why does the problem exist? What are the cause and effects? Are there drawbacks to solving this problem? 3. Clarify – who is impacted by the problem? How are they impacted? 4. Solve – offer one solution to satisfy the problem. Include the strengths and weaknesses of this solution as it relates to the problem you described.