Purpose: To identify the financial stress and associate factors of tertiary level student. Design/methodology/approach: To identify the financial stress and associate factors, a structured questionnaire was developed to collect data from 571 students of different universities of Bangladesh through Google form. Chi square and Cramer's "V"…

With the costs of higher education increasing, the need to search for alternative ways to fund these expenses has also increased. While grants, scholarships, personal savings, and financial assistance from parents, may be effective for some, this is not the case for all students as some are inclined to use student loans to fund their higher…

Transitioning to higher education opens various possibilities. This qualitative inquiry adds depth to college choice processes by looking into the lives of low-income Chinese students. Semi-structured interview data obtained from 41 college borrowers representing diverse tiers of higher education was described and interpreted using reflexive…

This dissertation, which is highly relevant to education, examines Black educators' life experiences with student loan debt. It provides insight into the impact of student debt and how these experiences shape their interactions with Black students. Using their narratives, this study serves as a self-reflective journey, bringing the reader closer…

This brief examines data from 19,934 students with self-reported educational debt in Trellis' Fall 2021 Student Financial Wellness Survey (SFWS), with special emphasis on their financial security and attitudes toward their loans, debt, and debt forgiveness. Nearly two-thirds of borrowers had accumulated more debt than expected, and 36 percent did…

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…

This study employs data from the National Center for Education Statistics' (NCES) Baccalaureate and Beyond Surveys to compare financial well-being among college graduates with varying social characteristics and levels of student debt. We use logistic regression to answer three questions: 1) To what extent does the amount of debt at graduation…

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 rising cost of higher education has led to increased tuition costs for students and their families, forcing more students to secure larger amounts of debt to finance their educational pursuits. Although scholars have explored how student loan debt accumulation influences higher education persistence and graduation, an unexplored area of higher…

Objective: Determine relationships between college students' student loan presence and self-rated physical and mental health, major medical problems, mental health conditions, physical, dental, and mental health care visits and delays, and medication use and reductions. Participants: A total of 3,248 undergraduates at two regional public U.S.…

Funding children's college expenses can be a family project, often requiring substantial savings from parents and educational debt from children, but parents also borrow to support their children's postsecondary ambitions. Despite growing use of debt to finance children's college expenses, studies have overlooked parent borrowing's role in…

The expansion of higher education through the privatisation of funding sources raises a question regarding socioeconomic inequality in participation in higher education. To explore mechanisms of educational inequality, this study examines how different indicators of socioeconomic background work together to influence both participation in higher…

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,…

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…

While the tuition fee system has had a large amount of political and media attention in the last two decades, far less attention has been paid to the student maintenance system -- the amount of funding students have access to for day to day living expenses. But for many students, this funding is of more immediate importance, and can have a major…