http://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&feed=atom&action=historyStudent Debt & Small Business Growth - Revision history2024-03-29T00:40:44ZRevision history for this page on the wikiMediaWiki 1.34.2http://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=41278&oldid=previmported>Jason: /* Recent Trends */2016-03-21T18:41:30Z<p><span dir="auto"><span class="autocomment">Recent Trends</span></span></p>
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<td colspan="1" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:41, 21 March 2016</td>
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</td></tr></table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=35623&oldid=previmported>Jason: /* Recent Trends */2016-03-21T18:41:30Z<p><span dir="auto"><span class="autocomment">Recent Trends</span></span></p>
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<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:41, 21 March 2016</td>
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<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>*A gallup poll conducted in October of 2015[http://www.gallup.com/businessjournal/186179/student-loan-debt-major-barrier-entrepreneurship.aspx], found that as many as two million students cited loan debt as the principle reason they’d forgone or delayed plans to start a business.</div></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>*A gallup poll conducted in October of 2015[http://www.gallup.com/businessjournal/186179/student-loan-debt-major-barrier-entrepreneurship.aspx], found that as many as two million students cited loan debt as the principle reason they’d forgone or delayed plans to start a business.</div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline"> </del>After the 2008 financial crisis, firm deaths had significantly exceeded firm births as calculated by the US census bureau. This phenomenon had gradually reversed itself in 2011, but has continued to miss the net average of 120,000 firm births experienced during the late 90's and early 2000's. Researchers speculate that fulfillment of a quarter of the entrepreneurial plans of the two million students’ pursuits would have been enough to return the 120,000 firm birth surplus.The study conducted by the University of Pennsylvania is the first to explore the relationship between student debt and small business growth. Analysis from the models created in the study claim that an increase of one standard deviation in student debt, reduces small business formation for businesses with 1-4 employees by as much as 14%.</div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>After the 2008 financial crisis, firm deaths had significantly exceeded firm births as calculated by the US census bureau. This phenomenon had gradually reversed itself in 2011, but has continued to miss the net average of 120,000 firm births experienced during the late 90's and early 2000's. Researchers speculate that fulfillment of a quarter of the entrepreneurial plans of the two million students’ pursuits would have been enough to return the 120,000 firm birth surplus.The study conducted by the University of Pennsylvania is the first to explore the relationship between student debt and small business growth. Analysis from the models created in the study claim that an increase of one standard deviation in student debt, reduces small business formation for businesses with 1-4 employees by as much as 14%.</div></td></tr>
</table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=41277&oldid=previmported>Jason: /* Recent Trends */2016-03-21T18:41:21Z<p><span dir="auto"><span class="autocomment">Recent Trends</span></span></p>
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<td colspan="1" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:41, 21 March 2016</td>
</tr><tr><td colspan="2" class="diff-notice" lang="en"><div class="mw-diff-empty">(No difference)</div>
</td></tr></table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=35622&oldid=previmported>Jason: /* Recent Trends */2016-03-21T18:41:21Z<p><span dir="auto"><span class="autocomment">Recent Trends</span></span></p>
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<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:41, 21 March 2016</td>
</tr><tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l13" >Line 13:</td>
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<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>[[Image:StudentDebtPic.jpeg]]</div></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>[[Image:StudentDebtPic.jpeg]]</div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>A report from the Kauffman foundation shows the number of entrepreneurs ages 20-34 as having decreased from 34.3% in 1996 to 24.7% in 2014[http://www.kauffman.org/~/media/kauffman_org/research%20reports%20and%20covers/2015/05/kauffman_index_startup_activity_national_trends_2015.pdf].This translates to an overall decrease of over 40,000 entrepreneurs. <del class="diffchange diffchange-inline"> Additionally, a </del>gallup poll conducted in October of 2015[http://www.gallup.com/businessjournal/186179/student-loan-debt-major-barrier-entrepreneurship.aspx], found that as many as two million students cited loan debt as the principle reason they’d forgone or delayed plans to start a business. After the 2008 financial crisis, firm deaths had significantly exceeded firm births as calculated by the US census bureau. This phenomenon had gradually reversed itself in 2011, but has continued to miss the net average of 120,000 firm births experienced during the late 90's and early 2000's. Researchers speculate that fulfillment of a quarter of the entrepreneurial plans of the two million students’ pursuits would have been enough to return the 120,000 firm birth surplus.The study conducted by the University of Pennsylvania is the first to explore the relationship between student debt and small business growth. Analysis from the models created in the study claim that an increase of one standard deviation in student debt, reduces small business formation for businesses with 1-4 employees by as much as 14%.</div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*</ins>A report from the Kauffman foundation shows the number of entrepreneurs ages 20-34 as having decreased from 34.3% in 1996 to 24.7% in 2014[http://www.kauffman.org/~/media/kauffman_org/research%20reports%20and%20covers/2015/05/kauffman_index_startup_activity_national_trends_2015.pdf].This translates to an overall decrease of over 40,000 entrepreneurs. <ins class="diffchange diffchange-inline"> </ins></div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">*A </ins>gallup poll conducted in October of 2015[http://www.gallup.com/businessjournal/186179/student-loan-debt-major-barrier-entrepreneurship.aspx], found that as many as two million students cited loan debt as the principle reason they’d forgone or delayed plans to start a business.</div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline"> </ins>After the 2008 financial crisis, firm deaths had significantly exceeded firm births as calculated by the US census bureau. This phenomenon had gradually reversed itself in 2011, but has continued to miss the net average of 120,000 firm births experienced during the late 90's and early 2000's. Researchers speculate that fulfillment of a quarter of the entrepreneurial plans of the two million students’ pursuits would have been enough to return the 120,000 firm birth surplus.The study conducted by the University of Pennsylvania is the first to explore the relationship between student debt and small business growth. Analysis from the models created in the study claim that an increase of one standard deviation in student debt, reduces small business formation for businesses with 1-4 employees by as much as 14%.</div></td></tr>
</table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=41276&oldid=previmported>Jason: /* About */2016-03-21T18:40:20Z<p><span dir="auto"><span class="autocomment">About</span></span></p>
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<td colspan="1" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:40, 21 March 2016</td>
</tr><tr><td colspan="2" class="diff-notice" lang="en"><div class="mw-diff-empty">(No difference)</div>
</td></tr></table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=35621&oldid=previmported>Jason: /* About */2016-03-21T18:40:20Z<p><span dir="auto"><span class="autocomment">About</span></span></p>
<table class="diff diff-contentalign-left" data-mw="interface">
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<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:40, 21 March 2016</td>
</tr><tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l2" >Line 2:</td>
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<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><onlyinclude>'''Rising [[:Student Debt|student debt]][http://blogs.wsj.com/economics/2015/05/08/congratulations-class-of-2015-youre-the-most-indebted-ever-for-now/] may be stifling [[:Small Business|small business]] growth'''[http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2417676].</div></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><onlyinclude>'''Rising [[:Student Debt|student debt]][http://blogs.wsj.com/economics/2015/05/08/congratulations-class-of-2015-youre-the-most-indebted-ever-for-now/] may be stifling [[:Small Business|small business]] growth'''[http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2417676].</div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">*</del>*Researchers at the University of Pennsylvania have discovered that start-ups and small businesses account for approximately 60% of net employment activity in the United States. </div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>*Researchers at the University of Pennsylvania have discovered that start-ups and small businesses account for approximately 60% of net employment activity in the United States. </div></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">*</del>*According to a [http://www.gallup.com/businessjournal/181592/potential-entrepreneurs-aren-taking-plunge.aspx| Gallup poll] conducted in February 2015, one of the biggest hurdles these companies and new entrepreneurs face, is identifying and accessing the capital to finance their ventures. </div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>*According to a [http://www.gallup.com/businessjournal/181592/potential-entrepreneurs-aren-taking-plunge.aspx| Gallup poll] conducted in February 2015, one of the biggest hurdles these companies and new entrepreneurs face, is identifying and accessing the capital to finance their ventures. </div></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline">*</del>*Following the financial crisis of 2008, it's no surprise that the top funding source for new business remains the personal savings accounts of founders.[http://www.entrepreneur.com/article/230011]</div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>*Following the financial crisis of 2008, it's no surprise that the top funding source for new business remains the personal savings accounts of founders.[http://www.entrepreneur.com/article/230011]</div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>Personal debt therefore, becomes an integral component of the financing equation in starting a small business. The strong negative correlation found in the Pennsylvania study cites student debt as a possible contributor to declining small business growth[http://www.kauffman.org/~/media/kauffman_org/research%20reports%20and%20covers/2015/05/kauffman_index_startup_activity_national_trends_2015.pdf].</onlyinclude></div></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>Personal debt therefore, becomes an integral component of the financing equation in starting a small business. The strong negative correlation found in the Pennsylvania study cites student debt as a possible contributor to declining small business growth[http://www.kauffman.org/~/media/kauffman_org/research%20reports%20and%20covers/2015/05/kauffman_index_startup_activity_national_trends_2015.pdf].</onlyinclude></div></td></tr>
</table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=41275&oldid=previmported>Jason: /* About */2016-03-21T18:40:06Z<p><span dir="auto"><span class="autocomment">About</span></span></p>
<table class="diff diff-contentalign-left" data-mw="interface">
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<td colspan="1" style="background-color: #fff; color: #222; text-align: center;">← Older revision</td>
<td colspan="1" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:40, 21 March 2016</td>
</tr><tr><td colspan="2" class="diff-notice" lang="en"><div class="mw-diff-empty">(No difference)</div>
</td></tr></table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=35620&oldid=previmported>Jason: /* About */2016-03-21T18:40:06Z<p><span dir="auto"><span class="autocomment">About</span></span></p>
<table class="diff diff-contentalign-left" data-mw="interface">
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<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:40, 21 March 2016</td>
</tr><tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l6" >Line 6:</td>
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<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>**Following the financial crisis of 2008, it's no surprise that the top funding source for new business remains the personal savings accounts of founders.[http://www.entrepreneur.com/article/230011]</div></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>**Following the financial crisis of 2008, it's no surprise that the top funding source for new business remains the personal savings accounts of founders.[http://www.entrepreneur.com/article/230011]</div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del class="diffchange diffchange-inline"> </del>Personal debt therefore, becomes an integral component of the financing equation in starting a small business. The strong negative correlation found in the Pennsylvania study cites student debt as a possible contributor to declining small business growth[http://www.kauffman.org/~/media/kauffman_org/research%20reports%20and%20covers/2015/05/kauffman_index_startup_activity_national_trends_2015.pdf].</onlyinclude></div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>Personal debt therefore, becomes an integral component of the financing equation in starting a small business. The strong negative correlation found in the Pennsylvania study cites student debt as a possible contributor to declining small business growth[http://www.kauffman.org/~/media/kauffman_org/research%20reports%20and%20covers/2015/05/kauffman_index_startup_activity_national_trends_2015.pdf].</onlyinclude></div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>==Recent Trends==</div></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>==Recent Trends==</div></td></tr>
</table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=41274&oldid=previmported>Jason: /* About */2016-03-21T18:39:58Z<p><span dir="auto"><span class="autocomment">About</span></span></p>
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<td colspan="1" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:39, 21 March 2016</td>
</tr><tr><td colspan="2" class="diff-notice" lang="en"><div class="mw-diff-empty">(No difference)</div>
</td></tr></table>imported>Jasonhttp://www.edegan.com/mediawiki/index.php?title=Student_Debt_%26_Small_Business_Growth&diff=35619&oldid=previmported>Jason: /* About */2016-03-21T18:39:58Z<p><span dir="auto"><span class="autocomment">About</span></span></p>
<table class="diff diff-contentalign-left" data-mw="interface">
<col class="diff-marker" />
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<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">← Older revision</td>
<td colspan="2" style="background-color: #fff; color: #222; text-align: center;">Revision as of 18:39, 21 March 2016</td>
</tr><tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l2" >Line 2:</td>
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<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><onlyinclude>'''Rising [[:Student Debt|student debt]][http://blogs.wsj.com/economics/2015/05/08/congratulations-class-of-2015-youre-the-most-indebted-ever-for-now/] may be stifling [[:Small Business|small business]] growth'''[http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2417676].</div></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><onlyinclude>'''Rising [[:Student Debt|student debt]][http://blogs.wsj.com/economics/2015/05/08/congratulations-class-of-2015-youre-the-most-indebted-ever-for-now/] may be stifling [[:Small Business|small business]] growth'''[http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2417676].</div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'>−</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>Researchers at the University of Pennsylvania have discovered that start-ups and small businesses account for approximately 60% of net employment activity in the United States. According to a [http://www.gallup.com/businessjournal/181592/potential-entrepreneurs-aren-taking-plunge.aspx| Gallup poll] conducted in February 2015, one of the biggest hurdles these companies and new entrepreneurs face, is identifying and accessing the capital to finance their ventures. Following the financial crisis of 2008, it's no surprise that the top funding source for new business remains the personal savings accounts of founders.[http://www.entrepreneur.com/article/230011] Personal debt therefore, becomes an integral component of the financing equation in starting a small business. The strong negative correlation found in the Pennsylvania study cites student debt as a possible contributor to declining small business growth[http://www.kauffman.org/~/media/kauffman_org/research%20reports%20and%20covers/2015/05/kauffman_index_startup_activity_national_trends_2015.pdf].</onlyinclude></div></td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">**</ins>Researchers at the University of Pennsylvania have discovered that start-ups and small businesses account for approximately 60% of net employment activity in the United States. </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">**</ins>According to a [http://www.gallup.com/businessjournal/181592/potential-entrepreneurs-aren-taking-plunge.aspx| Gallup poll] conducted in February 2015, one of the biggest hurdles these companies and new entrepreneurs face, is identifying and accessing the capital to finance their ventures. </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline">**</ins>Following the financial crisis of 2008, it's no surprise that the top funding source for new business remains the personal savings accounts of founders.[http://www.entrepreneur.com/article/230011]</div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div> </div></td></tr>
<tr><td colspan="2"> </td><td class='diff-marker'>+</td><td style="color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins class="diffchange diffchange-inline"> </ins>Personal debt therefore, becomes an integral component of the financing equation in starting a small business. The strong negative correlation found in the Pennsylvania study cites student debt as a possible contributor to declining small business growth[http://www.kauffman.org/~/media/kauffman_org/research%20reports%20and%20covers/2015/05/kauffman_index_startup_activity_national_trends_2015.pdf].</onlyinclude></div></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"></td></tr>
<tr><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>==Recent Trends==</div></td><td class='diff-marker'> </td><td style="background-color: #f8f9fa; color: #222; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>==Recent Trends==</div></td></tr>
</table>imported>Jason