The United States (US) airline industry is currently experiencing a pilot shortage that could quadruple between the years 2022-2025 (Baldwin, 2022). Although there is not a single cause for this pilot shortage, one of the reasons is the high cost of entry into the industry(Silk, 2019). For aspiring pilots to enter the aviation and/or airline…

The purpose of this dissertation was to understand the financial aid personnel's perspective on the impacts of middle-income student loan borrowing. Student loan borrowing is a concern for many due to the current debt reaching extraordinary amounts. This research explored the impacts specifically on middle-income students as opposed to low- or…

The goal of this study is to compare the likelihood of student loan default by students from a Midwest public university amongst a variety of variables. A dataset was acquired from an institution in the Midwest. A logistic regression was run to determine the predictive value of several identifiers on student loan default amongst several race…

Purpose and Method of Study: This study focused on the relationship between the cost of undergraduate education (COUE) and graduation rates in four-year institutions in Oklahoma. The purpose of this study was to examine the relationship between the cost of undergraduate education (COUE) and graduation rates at four-year higher education…

This dissertation investigates the impact of information and policy on the efficiency of higher education financing, particularly for low-income students in Latin America. Through three empirical studies, it addresses the barriers posed by information asymmetries and institutional discretion in student loan and college admission processes and…

The Parent PLUS loan covers the financial gap of a student's educational expenses after other forms of financial assistance. Depending on the unmet need, the PLUS loan amount borrowed can be tens of thousands of dollars for a single academic year. In this research article, I provide results from evaluating financial aid offers at Missouri public,…

Despite substantial investments in financial aid programs, the available aid often falls short of covering the total cost of attendance (Hanson, 2023). Today, college expenses represent 30% of the annual median family income, pushing many students to rely on loans to finance their education (US Census Bureau, 2023). Among student loan borrowers,…

The purpose of this revelatory case study is to explore how the DACA Initiative (DI) transformed the School of Medicine (SOM) beyond just changing student demographics. In this research, I specifically explored if, through the DI, SOM organizationally changed enough to be considered transformative change in its efforts to enhance the acceptance…

The rising costs of college attendance and changes in financial aid packages leave students with little option other than to incur a debt of some amount. Unfortunately, colleges often fail to provide adequate financial literacy and student loan information so prospective students planning to attend college can make informed decisions. Student…

As students pursue undergraduate degrees, many are challenged with paying for college. Costs include direct charges for tuition, fees, books, room and board, and meal plans, as well as indirect costs such as transportation, utilities, insurance, cell phone, internet, and more. Many students borrow loans to cover these costs, but their…

In Chapter 1 I investigate the supply of college majors and how this facet of institutional behavior influences student outcomes and costs in higher education. As a first contribution, I identify a decades-long trend in 4-year postsecondary education in the United States--the production of bachelor's degrees measured by their concentration across…

Obtaining a college degree creates a pathway for low-income students and their families toward advancement within American society. Earning a postsecondary credential positively impacts an individual's employment outcomes, income, job satisfaction, and overall health. In working toward this goal, older, financially independent working…

Two studies were conducted to better understand the association between higher education and adult success from the perspective of young adult student loan borrowers five years after graduating. Data for both studies were drawn from the Arizona Pathways to Life Success (APLUS) project. This sample borrowed during a period of changing economic…

Rising rates of loan-taking and default have motivated higher education institutions to expand their knowledge about students' borrowing behaviors and the influence of loan debt on students' collegiate experiences and educational outcomes. This study addresses several limitations in the literature and provides insights into this topic. Using…

Higher education costs in the United States have increased by 69% in the last decade. Simultaneously, state legislatures have decreased the level of funding provided to institutions of higher education while states have initiated campaigns to encourage students to obtain a post-secondary education. With increased costs, decreased support, and…