The rate of default on college loans in the United States is staggering and poses a major financial threat not only to the students who are unable to repay their student loans but the U.S. economy. For instance, in 2011, borrowers at nonprofit and for-profit 4-year colleges accounted for almost 50% of all federal loan recipients. College students…

For the institution and its regional campuses under review, the amount of outstanding student liabilities (i.e., monies owed by the student to the institution for educational-related expenditures not satisfied by the end of the term) grew at an alarming rate between 2000 and 2014, with some of the institution's regional campuses experiencing over…

This study examined a sample of community college students from a diverse, large urban community college system in Texas. To gain a deeper understanding about the effects of background characteristics on student borrowing behaviors and enrollment outcomes, the study employed descriptive statistics and regression techniques to examine two separate…

In a knowledge market, the knowledge, skills and expertise needed for the economic and sociopolitical transformation of a nation and its citizens are transacted at different prices. Inequitable access to this market poses a serious threat to the economic welfare of the country and its citizens. The authors assess the extent of this threat with…

Student persistence in college education is a concern of policy makers and higher education administrators (College Board, 2010). Funding such as private student loans can contribute to financing a student's college degree. Many students are unable to attend college without borrowing private student loans. The purpose of this quantitative ex post…

Student loans are a crucial aspect of financing a college education for millions of Americans, yet we have surprisingly little empirical evidence concerning individuals' unwillingness to borrow money for educational purposes. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using…

This study utilized a quantitative design using archival data from Johnson County Community College (JCCC), located in Johnson County, Kansas, and the Office of Financial Aid for students who graduated, withdrew or dropped out of the college in academic years 2006, 2007 and 2008. Because this study used archival data, we can only show…

The purpose of this quantitative study was to examine time and efficiency to undergraduate degree completion. Four dependent variables were examined including semesters enrolled, semesters elapsed, graduation efficiency index (GEI), and alternative GEI. Many independent variables were assessed to determine if they had a correlation to time or…

Data from a comprehensive questionnaire to identify the types and sources of undergraduate student aid expenditures in Michigan in the 1976-77 fiscal year are provided. Need-based and non-need-based expenditures from federal, state, institutional and private sectors were included in the surveys. (MLW)

The 1987 National Postsecondary Student Aid Study was used to compare four alternative approaches for assessing the influence of price subsidies on within-year persistence by graduate students. Conclusions include tuition charge has a substantial negative influence on persistence; and comprehensive packages (grants, loans, plus assistantships)…

A report by the Board of Regents on student financial aid programs in New York State is presented. During 1979-80, the estimated average Tuition Assistance Program (TAP) awards increased in all undergraduate sectors and helped to offset tuition increases in both the independent and public sectors. Guaranteed student loans continued to increase in…

A limited statistical report of student aid dollars in each of the states is presented. The report covers only the following programs: Basic Education Opportunity Grant Program, Supplementary Educational Opportunity Grant Program, State Student Incentive Grant Program, College Work Study Program, The National Direct Student Loan Program, the…

The distribution of student financial aid funds at the state level is described and some of the variables that are associated with the allocation of funds from the different programs are identified. This paper is divided into several sections. The first reviews the work done on measures of educational opportunity and analyzes the shortcomings of…

The relationship between capital available for student loans and the types of programs through which loans are made to students is examined in this paper on educational finance. Cost of attendance, amount of grant aid, and ability to pay are investigated as factors that affect the amount of loans a student needs to finance a college education.…

The types and sources of financial assistance provided to undergraduate students by their institutions during 1976-77 were investigated as part of a survey conducted by the American Council on Education (ACE). A sample of 760 colleges and universities that comprise ACE's Higher Education Panel were asked to report the amounts and kinds of…