This report analyzes variations in eligibility and access to Child Care and Development Block Grant (CCDBG) subsidies in 2020. State decisions on implementation within the CCDBG program, along with historically insufficient federal and state funding, limit parents' access to child care assistance. We analyze state-level Administration for Children…

With tuition increasing at a faster rate than inflation, many college students depend on grants to access education. The largest of these, the federally funded Pell Grant, subsidizes over 30 billion a year worth of tuition for eligible students (Cardona, 2023) yet no longer meets its goal of covering 75% percent of tuition costs. While the…

Unexpected and emergency expenses remain a persistent barrier to on-time college completion and student success. A staggering number of students, particularly those enrolled in public 2-year and most Minority Serving Institutions (MSIs), report they would be unable to come up with $500 within a month. As the demographic of college students becomes…

The Free Application for Federal Student Aid (FAFSA) is the application that postsecondary students complete to receive federal grants, work-study, and loans; as well as some state and institutional grants, and private financial aid. In 2019-2020, 17.7 million undergraduates filed a FAFSA and in 2021-2022, full-time equivalent students received an…

The student loan payment pause ended two years ago as of September 2025, but borrowers were given a one-year "on-ramp" to resume payments. In April, the Department of Education announced that collections on student loans would start again. The California Policy Lab's prior work found that a large portion of borrowers were likely to…

Title IV of the Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: the William D. Ford Federal Direct Loan (Direct Loan) program, the Federal Family Education Loan (FFEL) program, and the Federal Perkins Loan program. While new loans are currently authorized to be made only…

In 1992, City Academy -- the nation's first charter school -- opened in St. Paul, Minnesota. Created and led by experienced teachers, it was designed as an alternative school for students struggling in traditional settings. With just 53 students, City Academy embodied the original vision for charter schools: small, teacher-run schools within…

Nearly every economic indicator, from the stock market to unemployment and beyond, suggests that a global financial crisis is imminent. While an economic downturn may affect every parent, family, and taxpayer, education special-interest groups are demanding that Washington bail them out now, regardless of future tax or spending implications. These…

In the summer of 2022, New America managed focus groups with almost 50 borrowers from across the country who reported holding federal student debt and defaulting on their loans before the COVID-19 pandemic. Focus group participants felt hopeless about their student loans, and they had good reason to feel this way. They entered the default system,…

Youth formerly in foster care (YFFC) are more likely to report facing financial struggles while in college and may lack resources, marketable skills, and have limited networks/ support to rely on. These students may not have access to the same kind of family support as their peers. To address these challenges, this population relies more heavily…

The College Cost Reduction Act would overhaul the Higher Education Act, making changes to student borrowing and repayment, borrower protections, college oversight, postsecondary data, and more. The bill includes a new proposed risk-sharing model that would require colleges to repay the federal government for a calculated proportion of their…

The U.S. Department of Education has projected enrollment declines over the next decade, leading to budget cuts for school districts, which will be particularly impactful in urban and rural areas serving vulnerable students. As federal COVID-19 funds expire, districts will face challenges in cutting costs, potentially leading to layoffs or school…

Escalating college costs have far-reaching implications, especially for low-income and first-generation students. Lack of financial literacy can negatively affect the success of these learners and may have long-lasting consequences, yet there is a lack of literature about the borrowing and repayment obligations related to student loans of…

Research has shown that student loan borrowers in repayment exhibit physical and mental health problems. These can be exacerbated by and contribute to health-related financial hardship. We use the 2015 U.S. National Financial Capability Study to examine the likelihood of having past due medical bills and of avoiding health care services by not…

Although emergency aid programs have existed on community college campuses for years, no extant research has articulated which emergency resources students apply for and how students prioritize these resources against others (e.g., food needs compared to housing needs). To better understand student emergency aid needs shortly after the World…