In recent years, USF has attempted to make classrooms more globally oriented and Charles Adams, the newly appointed dean of the Honors College, said he wants to bring that focus to the Honors College.

On Wednesday, university officials announced Adams would replace the former dean of the college, Stuart Silverman, who held the position for nearly 27 years. Adams is currently the director of international education and an English professor at the University of Arkansas.

Even at a young age, Adams said he was always thinking of the world in a larger context.

His father worked for a large corporation and Adams spent much of his time traveling

with him and living all over the world. The longest he ever stayed in one place as a child was when he spent six years in London.

“Living in foreign places and doing international travel was in my blood by the time I got to college,” Adams said. “So when I went into literary studies I was interested all along in figures that helped to span international gaps.”

Throughout his life, Adams learned to speak French and Spanish and picked up German as a Fulbright professor of American Studies in Germany.

Adams began his career as an administrator when he moved from professor to head of the English department at UA. From there, he became an associate dean in the College of Arts and Sciences and oversaw a number of inter-national programs, including the university’s International

Education and the Asian Studies Program.

“Dr. Adams is uniquely qual-ified to enhance USF’s global reach and help our students excel academically,” USF President Judy Genshaft said. “His innovative spirit and pas-sion for learning will have a significant impact on our stu-dents and our institution.”

For some, his transition from English professor to administrator of international programs might seem odd, but Adams said it was something his personal experiences and studies had prepared him for.

“I have no academic cre-dentials in that area, but I was asked to take on those pro-grams for administrative rea-sons,” he said. “They suited me because I’m interested in international studies in gen-eral. There has been a theme all the way through my career of international interests.”

As the new dean of the Honors College, Adams said he wants to bring his passion for international studies to the students.

He said he has three main goals he hopes to pursue in the coming years: student suc-cess, community engagement and a global education.

In addition to ensuring students graduate on time, Adams said he wants honors college students to be success-ful in the fast-paced, global world they will become a part of after graduation.

“The world is changing in a hurry,” Adams said. “In the past 15 years we’ve seen enor-mous changes in the way we get information and the way we communicate. We have no idea where this is going or what the world will look like in another 15 years, but we do know the basic talents, skills

The Oraclew w w. u s f o r a c l e . c o m U N I V E R S I T Y O F S O U T H F L O R I DAT H U R S DAY, J U N E 1 2 , 2 0 1 4 I VO L . 5 1 N O. 1 2 4

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The Index

Paying the bills

New dean to bring Honors College into ‘global century’By Roberto RoldanM A N A G I N G E D I T O R

Charles Adam will become the new dean of the Honors College in August. ORACLE PHOTO/ADAM MATHIEU ■ See DEAN on PAGE 2

Obama, USF help students navigate loan repayments

According to a recent report from the White House, an increasing number of students are relying on student loans to pay for tuition at public universi-ties, which has more than tripled in the past three decades.

Roughly 71 percent of the country’s students graduate with debt that averages about $29,400, and on Monday, President Barack Obama ordered more action be done to assist students in repaying their loans.

While student debt at USF is significantly lower, with only 59 percent of students graduating with debt, directors at USF said only about 11 percent of students are aware of all their repayment options.

“I think there is a feeling

that there isn’t much aware-ness among students,” Director of the USF Office of Financial Aid Billie Jo Hamilton said. “For some students this may be their first experience with credit … Learning how to know what is the best thing for you is hard to do.”

Knakeera Bason, a senior majoring in finance and business advertising, said she is just one of many students worrying about paying off student loans.

“All my friends say to stay in school as long as possible, and many are now going to grad school after graduation because they are afraid and they want to put off paying back the loans as long as possible,” Bason said. “I’m all smiles, but it’s worrying.”

Bason said she will graduate USF this fall and she doesn’t worry about getting a job that

will eventually pay off her more than $31,000 in loans, but she is concerned about the question of when she can pay back her loans.

“I’m worried that if I miss a payment, I’m going to get calls harassing me when I’m trying to do something positive and get my education,” she said.

While Bason said she is unaware of the different options to repay her loans, the White House is making new efforts to assist students in repaying loans.

In a Presidential Memorandum, Obama directed the Secretary of Education to allow nearly 5 mil-lion more borrowers be added to the president’s existing Pay As You Earn (PAYE) repayment plan, which caps federal loan payments at 10 percent of a stu-dent’s income.

These added students, who

would be able to start the option after it takes effect at the end of 2015, include more than 1.3 mil-lion in Florida. Currently, there are over 2.3 million students who account for roughly $61.7 million in student loan debt in the state, according to a report from the White House.

Nationally, student loans account for $1.1 trillion in debt — more than the combined total of mortgages or credit cards throughout the country.

In addition to expanding the PAYE plan, Obama urged more strategies be implemented to promote awareness of various repayment options for students.

Similarly, USF began educat-ing students on their options of repaying their loans through the Bull2Bull program, which was started last year to educate stu-

By Alex RosenthalE D I T O R I N C H I E F

■ See BILLS on PAGE 3

T H U R S DAY, J U N E 1 2 , 2 0 1 4 ● T H E O R AC L E 2

and abilities … that will last long beyond just what’s hap-pening in a physics class or an English class here on campus.”

One way Adams hopes to prepare honors students is by ensuring they have a more globally oriented education, both through their classes and by offering more study abroad opportunities.

“I want to get honors stu-dents to mingle more with international students and to understand what it means to communicate across cultural barriers and the kinds of chal-lenges and opportunities that lie there,” he said. “This is the global century and students must be prepared ... in how to live in a global society.”

Adams said he also plans to create more internships and service learning programs to get honors students out into the community.

“It’s important for students to understand and feel how higher education can contrib-

ute to their society, to their city, to their region,” he said.

At the end of the summer semester, when he official-ly begins at USF on Aug. 4, Adams will make the move to Tampa with his wife, Rhonda.

Though he admits he has never had the responsibility of calling out thousands of names at a graduation, Adams said he is excited to be a part of such a large honors program and expand upon the role of Silverman.

“Dean Silverman has done a wonderful job building the foundation here,” Adams said. “In some administrative jobs, when you bring someone in from the outside, it might be because something’s broken and needs fixing. That’s not what we have here. The foun-dation is strong and what I have is the opportunity to build on that foundation.”

USF will have a reception for students and staff to meet Adams today at 3:30 p.m. in the Hall of Fame room of the Lee Roy Selmon Athletics Center.

DEANContinued from PAGE 1

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T H U R S DAY, J U N E 1 2 , 2 0 1 4 ● T H E O R AC L E 3

dents about financial literacy.Each semester, the program

offers exit counseling seminars to seniors who apply for gradu-ation, and shows them the loan repayment options before they have to start making payments.

While the USF Office of Financial Aid attempts to mini-mize the amount of loans stu-dents take out, it also aims to educate students on the various repayment plans. Though most students go for the standard plan of repaying the principal loan amount plus interest over 10 years, there are other options to help those who can’t afford the standard payments.

These plans include the PAYE plan and the Income Contingent and Income-Based Repayment plans, which can provide pay-ments of only 15 percent of a student’s adjusted gross income after graduation over 20 years.

While counselors at Bull2Bull said these plans can be easier for students to pay, they can require repayment over 20 years and essentially cost more as interest continues to accrue.

Not making payments and defaulting on the loan is easily avoidable, advisers said, and stu-dents should be encouraged to “speak up” to their loan provid-ers. There are ways to structure payments, they said, and default only occurs after not communi-cating with a loan servicer and missing payments for 270 days.

“The overall message we would like to get across is to build that relationship with your servicer,” Bull2Bull Assistant Director Matine Kone said. “It’s not a scary thing, it’s actually a beneficial thing for you to call them and tell them your situa-tion — there is more than the standard repayment plan for stu-dents.”

According to Kone, servicers are willing to help borrowers adjust payments if situations such as losing a job, getting sick or even just struggling to make ends meet becomes a problem.

“We just try to show all the options rather than just say ‘default,’” she said.

Bason said she was aware of being able to possibly con-solidate her payments, but didn’t know about income-based plans and more education about them would “put her worry to rest.”

BILLSContinued from PAGE 3

LifestyleU N I V E R S I T Y O F S O U T H F L O R I D A ● T H U R S D A Y, J U N E 1 2 , 2 0 1 4 ● T H E O R AC L E4

Summer supplies new novels for book lovers

“Midnight in Europe”Alan Furst

June 3 In 1938, unrest

sweeps throughout Paris and the rest of Europe as war approaches. Cristián Ferrar, a Spanish émigré and lawyer at a prestigious interna-tional law firm, has been approached by the embassy of the Spanish Republic and asked to put his life at risk in the battle against fascism. Ferrar’s mission leads him from shady Parisian nightclubs to brothels in Istanbul and gets him mixed up with ideal-ists, gangsters, arms traders, aristocrats and, of course, spies. Alan Furst has been hailed as the master of modern day espionage, known for writing the critically acclaimed novel “The Spies of Warsaw.”

— Commentary by Courtney Combs

“Mr. Mercedes”Stephen King

June 3 The king of horror is

back with a good old-fashioned detective tale.

An unsolved case is suddenly resurrected when retired detective Bill Hodges receives a letter from the Mercedes Killer, a murderer who ran down eight people and injured 15 others before disappearing into the fog. In line with King’s chilling classics such as “The Shining,” “Pet Cemetery” and, more recently, “Under the Dome,” his new book is set to be a whole new kind of bloodcurdling.

— Commentary by Courtney Combs

“The Silkworm”Robert Galbraith

June 19

When novelist Owen Quine disappears, Detective Cormoran Strike and his young assistant Robin Ellacottis pick up the case. Quine had just completed a potentially life-ruining manuscript featuring slanderous secrets about everyone he knows, meaning there are a lot of suspects. When Quine is found murdered, Strike must work against the clock to hunt down a killer unlike any he has seen before. The second novel of the Cormoran Strike series, written under J. K. Rowling’s pseudonym, brings the hero of “The Cuckoo’s Calling” back into action for what is sure to be another must-read for murder mystery fans.

— Commentary by Courtney Combs

“The Secret Diary of Lizzy Bennet”

Bernie Su and Kate Rorick

June 24

From the Emmy Award-winning YouTube series “The Lizzie Bennet Diaries” comes “The Secret Diary of Lizzie Bennet.”

Bernie Su, the series’ executive producer, joins Kate Rorick to bring Lizzie’s world to life. The series is a modern take on “Pride and Prejudice,” intro-ducing Lizzie as a graduate student who starts a web series for her thesis project, turning her and her sis-ters into Internet celeb-rities. When the hand-some Bing Lee and his conceited friend William Darcy arrive in town, things start to get inter-esting. “The Secret Diary of Lizzie Bennet” takes fans past the confines of the camera, expand-ing the previously seen world of Lizzie as she struggles with family and life after graduate school.

— Commentary by Caitlin Lochner

“Written in My Own Heart’s Blood” Diana Gabaldon

June 10

Diana Gabaldon is back with the eighth installment of the Outlander series, “Written in my Own Heart’s Blood.” The series follows Claire Randall, a nurse in the 20th century, as she time travels to 18th century Scotland and meets the dashing Jamie Fraser. Written in a mix of historical fiction, romance and adven-ture, “Outlander” won the Romance Writers of America’s RITA Award for Best Romance of 1991.

— Commentary by Caitlin Lochner

“The Jedi DothReturn”

Ian Doescher July 1

The bard is strong with

this one. Ian Doescher caused quite the stir among film fans and literature lovers alike when he released “Verily a New Hope,” or what would have happened if William Shakespeare had written “Star Wars: Episode IV.” Now return to a star-crossed gal-axy far, far away for the final installment of the trilogy. Following the events of “The Empire Striketh Back,” the boy of Tatooine must bring his father, the evil Sith lord, back to the light side of the force and save the universe — all in flawless iambic pentameter.

— Commentary by Courtney Combs

T H U R S DAY, J U N E 1 2 , 2 0 1 4 ● T H E O R AC L E 5

News and/o

r Sports

Full Color

Study of college value overlooks setbacks after graduation

C O L U M N I S T

Isabelle Cavazos

U N I V E R S I T Y O F S O U T H F L O R I D A ● T H U R S D A Y, J U N E 1 2 , 2 0 1 4 ● T H E O R AC L E

Opinion6

Every now and then, college stu-dents are reminded why a degree is still worth the trouble and cost.

It could be out of fear that some college students fantasize about leaving school to become a highly-paid success story or pursue the Thiel Fellowship, which awards $100,000 to people under age 20 who leave school for two years to become an entrepreneur.

Still, most college students have some sort of goal in mind when making the time and finan-cial commitment to go to school. Studies continue to be conducted to figure out the value of attend-ing college to assure students their efforts will be promising.

Out of the most recent attempts to do so, a study published by the Federal Reserve Bank of San Francisco takes the cake for being the most overly exaggerated.

According to the study, after considering the cost of tuition and the approximate four years of earnings lost as one gets his degree, the average college gradu-ate in the U.S. will have earned at least $800,000 more than the average high school graduate by retirement.

It also found that students who pay $21,200 in tuition per year will make up the amount by age 38 and that 90 percent of students at public colleges pay less than that.

In the long term, the study actu-ally paints a decent picture of the rewards a college graduate will eventually make within the rela-tively short amount of time they went through college.

But in the short term, many college students face immediate setbacks that show the rewards of a degree might not come to frui-tion until much later in life.

For instance, a report by the Federal Reserve Bank of New York found that about 44 percent of recent graduates, or those between the ages 22 to 27 with a bach-elor’s or above, are in jobs that

don’t require a bachelor’s degree. The article indicates this number has not changed much since the 1990s, but most of the jobs these graduates are overqualified for pay less than before, with salaries under $45,000.

Additionally, a report by the Economic Policy Institute (EPI) stated the unemployment rate for college graduates between age 21 and 24 is about 8.5 per-cent, a startling amount for many who are just getting on their feet after graduation.

While the San Francisco study accounted for the expense of col-lege by calculating the time it takes to make back the cost of tuition, not student loan debt, certain life choices a graduate makes are still affected by having to pay for col-lege, as discussed in a recent New York Times article.

For example, the article men-tions fewer adults between the ages of 27 and 30 with student loans have mortgages than those who don’t have student loans. Student loan debt also reduces the chances of one seeking a low-paying public-interest job such as teaching, according to a study con-ducted by faculty and staff mem-bers at the University of California, Berkeley and Princeton.

Of course, studies such as the San Francisco Fed’s and data from the EPI, such as the finding that those with four-year degrees, on average, make 98 percent more per hour than those without a degree, do illustrate the mon-etary value of college to students and graduates.

Though they may help col-lege students sleep better in light of the immediate economic climate and impact of student debt, these realities should not be forgotten when considering college’s rewards.

Isabelle Cavazos is a junior majoring in English and Spanish.

EDITORIAL

Sallie Mae preys on students after co-signer’s death

To avoid facing financial ruin, it seems students taking out pri-vate loans are now supposed to gauge which family member will live longest.

Several borrowers of Sallie Mae student loans have spoken out about being automatically default-ed on their loans when report-ing their co-signer had passed away. Some borrowers even faced defaults despite having made their payments on time for years.

While borrowers may be mourning the death of the co-signer who usually is a parent or grandparent, they are also stuck with the choice of paying Sallie Mae thousands of dollars in a matter of days or defaulting on their loans.

It is unfair and unreasonable to financially punish these for-mer students since they could not have anticipated the death of their co-signer. When the default is reported to credit bureaus, the borrower’s credit score is lowered and can result in difficulties for future plans, such as finding a job and buying a home or car.

It’s equally unreasonable for Sallie Mae to force borrowers to bet their loved one will be alive for another 20 years, the average amount of time it takes a borrow-er to repay his loans, according to a report by the Urban Institute.

It shouldn’t be expected that

a clause in the promissory note about auto-defaults will deter stu-dents and co-signers from seeking a way to afford school.

The Institute for College Access and Success reported that almost 1.4 million undergraduates bor-rowed private loans in the 2011-12 school year. Also, 90 percent of private loans borrowed have co-signers, according to the Consumer Financial Protection Bureau (CFPB). Given the amount of students relying on private loans, these auto-defaults could impact many students borrow-ing from private lenders such as Sallie Mae.

According to personal expe-riences sent to the Huffington Post, some borrowers who made regular payments sought to simply remove co-signers after their deaths, an action the loan contract claims is per-mitted if the borrower has made payments on time for a long period.

Yet, those with good payment records are being harassed to immediately pay a large sum, if not the entire amount.

One instance of unfair demands is that of Tony Muzzatti, reported by the Huffington Post. In spite of making loan payments on time for six years, Muzzatti was asked to pay $10,000 of his $60,000 loan after the death of his grand-

mother, who co-signed his loan.In the case of Christopher

Kibler, which was reported in the Huffington Post, Sallie Mae threat-ened to seize part of his father’s life insurance policy if his mother could not repay his $22,000 loan. Kibler had to file complaints with the CFPB and attorney general to try to resolve the issue.

One conclusion gathered from situations such as these is even when borrowers make regular payments, the death of a co-sign-er provides an opportunity for Sallie Mae to recuperate money through the deceased’s estates or insurance policies.

This is sickening and shows how a company takes advantage of borrowers who simply wished to attend school and the co-sign-ers who wanted to offer security for school costs.

In an effort to resolve the com-plaints about auto-defaults report-ed to the CFPB, the consumer bureau is trying to push lenders toward allowing borrowers to find new co-signers rather than default.

The death of another person should not result in the auto-defaults Sallie Mae has been issu-ing. Until Sallie Mae and other lenders end this practice, it seems students must either find alterna-tives to pay for school or just hope co-signers live long enough to see the loan paid in full.

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Track and Field

Two Bulls head to NCAA Championships

For USF track and field ath-lete Courtney Anderson, this weekend is a final opportunity to win a national champion-ship.

Last year the senior near-ly pulled off that feat, but finished as the national run-ner-up.

Anderson’s jump of 6-1.25 last year was her personal best and a USF record.

“Last year I was more of an underdog and I didn’t expect to get there,” Anderson said in a press release. “It helped me because I didn’t know what to expect and there wasn’t a lot of pressure. This year I did feel those pressures and now I’m so relieved to make it this far.”

Anderson, who was an All-American last season, will attempt to become the first back-to-back women’s outdoor All-American in USF history.

In order for that to happen, she will have to clear the bar of six feet in at least one of her jumps. Anderson will com-pete in the high jump at 3:45 p.m. in Eugene, Oregon this Saturday.

The other Bull going to

the NCAA Championships is Matthew O’Neal. The soph-omore will compete in the triple jump event Saturday at 3:30 p.m.

The AAC champion will also attempt to become an All-American for the second year in a row. O’Neal said he believes he will do much bet-ter this weekend than he did in the NCAA Preliminaries, where his triple jump was 52-10.

He said the key to improv-ing his performance is calm-ing his nerves and visualizing success.

“I need to envision myself doing well,” O’Neal said. “Thinking positively is some-thing that really helps me men-tally prepare for my races.”

O’Neal, who spends at least two hours a day running and doing squats in the gym to keep up his conditioning, looks to finish higher than he did last year at this event. As a freshman, he placed ninth with a distance of 52-2. O’Neal’s qualifying jump of 52-10 this season would have earned him fourth in the 2013 Championships.

The NCAA Championships will be broadcast Saturday on ESPNU from 5-7 p.m.

By Vinnie PortellS P O R T S E D I T O R

Soccer

U.S. Women’s National Team comes to USF

USF women’s soccer sopho-more midfielder Alexandra Myers has been to U.S. Women’s National Team matches and watched them practice on film, but she’s never gotten to see them prepare for an exhibition in-person.

This week, she finally got her chance.

“When I found out, I got excit-

ed, but I didn’t really believe it,” Myers said.

Under the new direction of coach Jill Ellis, the U.S. Women’s National Team practiced this week at Corbett Soccer Stadium in preparation for their friendly international exhibition against the French Women’s National Team at Raymond James Stadium on Saturday.

Both USF soccer players and young fans were enthusiastic about the visit by the women’s

national team.“A few of our (USF Junior)

camp girls were staying to watch them practice,” Myers said. “They came and gave autographs and we got pictures with them and it was so exciting.”

Rejoining the national team will be 2012 Olympic gold med-alist Alex Morgan, who has been away since her October ankle injury.

This match will be Morgan’s chance to help defend the 13-0-

1 all-time record against France, the fourth best team according to FIFA Women’s World Rankings.

Myers, who struggled with a knee injury of her own last year during her first season with the Bulls, took the team’s preparation as an opportunity to see how the elite group of women’s soccer players conduct themselves dur-ing practice.

“Their competitiveness was really high, so that was real-ly neat to watch,” Myers said.

“Everything was so clean. They made few mistakes, which is good to watch because you know they are human and they make mistakes, too, but overall, their touches are clean.”

“I’ve been on the bench a lot watching soccer,” she said. “That’s a completely different view being on the field. I’m excit-ed to see how they play, move with the ball and their movement of the ball so hopefully I can learn and put it into my own game.”

Senior Courtney Anderson, instructed by assistant coach Peter Herber (left), will need to improve on her season-best jump of 5-11.5 to become an All-American this weekend. SPECIAL TO THE ORACLE

By Chris LemusC O R R E S P O N D E N T