This booklet was published to help people better understand how to use it, how to determine if they are reaching or have reached their credit-debt limit, and what to do if they have exceeded that limit. It also explains federal rules, regulations, and laws pertaining to consumer installment credit that are designed to protect the consumer.…

This paper examines the impact of the Latin American external debt on education. Results suggest that increases in debt levels in 19 Latin American countries have negatively affected education as a percentage of government expenditures. In some cases, this means that education expenditures are failing to keep up with growth of total government…

The State of Alaska spends 75% of its operating revenues on transfer payments to individuals and local governments and on salaries and benefits of state workers. By the year 2000, dwindling petroleum revenues will result in a projected $1 billion gap between state income and spending, but inflation and growing population could widen that gap to…

An examination is made into the eroding financial health of intercollegiate athletic programs, especially at the Division I level of the National Collegiate Athletic Association (NCAA), that was determined to have come about as a product of standard practices and policies. The question posed is, if Division I college sports have become a large…

The two-year private liberal arts college, with sufficient para-professional offerings, provides an alternative for students who desire a liberal arts education with necessary career expertise, yet do not want to spend the time and money required for a baccalaureate degree. These schools serve as an important part of the American system of higher…

This document contains materials from a Congressional public forum which focused on multigenerational approaches to the health and economic problems of Americans. Introductory remarks are included from Fernando Torres-Gil, staff director of the House Select Committee on Aging; Victor Sidel, president of the American Public Health Association…

Farm and ranch operators in North Dakota (n=933) and Texas (n=1,020) were randomly surveyed in 1985 to determine the relationship of financial conditions to levels of off-farm employment by farm operators and spouses. The overall response rate was 75%. Off-farm employment was measured by number of days the farmer or spouse was employed off of the…

This case study was conducted to analyze the cost-effectiveness of nurse practitioners (NPs), physicians' assistants (PAs), and certified nurse midwives (CNMs) by examining (1) the contributions of each group in meeting health-care needs; (2) the effect of changing the method of payment for their services on the health-care delivery system; and…

A national survey revealed that 13 states have created legislation to assist financially distressed schools. Focusing on two states, Indiana and Pennsylvania, the report outlines different methods they have developed to deal with financially distressed schools. In Pennsylvania a distressed school district is taken over by the state, whereas in…

Within the context of a discussion of the development of adult education programs in community colleges, this paper focuses on the noncredit programming in the San Francisco Community College District (SFCCD) and the threats to those activities posed by recent funding reductions. First, the paper reviews the long history of adult education,…

The premise that institutions pass through a grief process in adjusting to declining resources and radical changes, is proposed. In addition, strategies that administrators can use to respond to institutional grief are suggested. Elisabeth Kubler-Ross's paradigm of five grief stages/reactions to serious loss are described: denial, anger,…

The financial viability of private colleges was assessed by examining the relationship of expenditures to endowment to voluntary support (nongovernment gifts and grants). A sample of 284 private coeducational colleges was drawn from the Council for Financial Aid to Education's (CFAE) annual survey of voluntary support (1976-1977 to 1980-1981). The…

Some local governments in nonmetro areas--especially those in the rural West and in very rural areas--experienced high levels of fiscal stress in the mid-seventies that were associated with high and rising local taxes. These local governments may be forced to cut back their rural development activities in the eighties. Fiscal pressures on local…

A discussion is presented of the process of resource allocation and the use of performance indicators in public sector higher education in Britain. First, background is presented on the method of providing resources to institutions of advanced further education (AFE) and non-advanced further education (NAFE) on the basis of pooled recurrent…

From all existing evidence, there is no inevitability about the relationship between centralized fiscal responsibility and decentralized decisionmaking. He who pays the piper does not necessarily call the tune. (Author)