We study how health insurance eligibility affects financial distress for young adults using the Affordable Care Act's (ACA) dependent coverage mandate--the part of the ACA that requires private health insurance plans to cover individuals up to their 26th birthday. We examine the effects of both gaining and losing eligibility by exploiting the…

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…

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…

This position article proposes that bankruptcy counseling and education should be tailored so that bankrupts and consumer debtors can attain "solvency literacy," a new construct developed for this initiative. They need to (a) handle their financial affairs "during" the insolvency process while (b) concurrently striving for a…

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…

As overall student loan indebtedness in the United States has increased over the years, many borrowers have found themselves unable to repay their student loans. Ordinarily, declaring bankruptcy is a means by which a debtor may discharge--that is, obtain relief from--debts he is unable to repay. However, Congress, based upon its determination that…

Early care and education (ECE) programs can provide a lifetime of benefits to children and families, but a lack of public support leaves these valuable services vulnerable to collapse during economic downturns. The COVID-19 pandemic was a particularly intense emergency for ECE providers: closures due to illness or shelter-in-place ordinances…

This case study provides the background for a discussion of the bankruptcy of a composite non-profit corporation under Chapter 11 of the Bankruptcy Code, and the possible alternatives available to bankruptcy. Topics considered include: reorganizations, the selection of a bankruptcy trustee or an examiner, duties of a non-profit board, the…

In 2018 the Trump Administration's Office for Civil Rights (OCR) under Betsy DeVos moved to institute new recommendations for implementing Title IX in American educational institutions. In this dissertation I converse with the OCR regarding their new guidelines for interpreting Title IX in colleges and universities with respect to sexual…

There is a looming threat to the economic vitality of the organizational community of intentionally Christian colleges and universities, relevant to the use of Title IV funds. Within the framework of organizational ecology, this qualitative descriptive study investigated and summarized perceptions of the leadership from sample ABHE Bible colleges…

Using an ecological approach to trauma-informed care and radical healing, this case study explores how one Title I public middle school mathematics classroom offered students opportunities to engage in healing practices through the use of Social Justice Mathematics. Findings indicate that students identified their emotions, engaged in structural…

On May 4, 2017, the United States House of Representatives narrowly passed the American Health Care Act (AHCA) as a repeal and replacement of the Affordable Care Act (ACA). Independent analyses of the AHCA show that it would leave 23 million more people uninsured by 2026, and make coverage less comprehensive and affordable for millions more. Many…

With just months to go until the nation's overhauled K-12 law goes into effect, state policymakers are still scrambling to firm up the infrastructure for their education systems, under the new blueprint laid out in the Every Student Succeeds Act (ESSA). They're doing it at a time of political change and policy uncertainty at the national level,…

The word sequestration has been in the news lately when talking about the federal budget. Sequestration refers to across-the-board cuts, and depending on where one lives and the amount of federal aid one's community receives, those cuts could amount to as much as 17 percent. That spells bad news for schools unless parents, educators, and other…

The U.S. is facing a historic fiscal crisis. After years of neglect and mismanagement, the national debt has exceeded $14 trillion and continues to climb at a rapid pace. Despite this year's projected budget deficit of $1.6 trillion, the administration has put forward a plan for the next decade that includes $8.7 trillion in new spending, $1.5…