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Download full textJason Delisle – Urban Institute, 2023
The Biden administration is implementing a new income-driven repayment (IDR) plan for federal student loans called Saving on a Valuable Education (SAVE). The SAVE plan adds to existing IDR plans and reduces borrowers' monthly payments and shortens the time certain borrowers must repay before their debts are forgiven compared with current options.…
Descriptors: Public Service Occupations, Student Loan Programs, Loan Repayment, Federal Programs
Zota, Rita R.; Hegji, Alexandra; Shohfi, Kyle D. – Congressional Research Service, 2023
Income-driven repayment (IDR) plans are a subset of student loan repayment plans that cap a borrower's monthly payment at a percentage of their discretionary income, which is defined as a portion of a borrower's adjusted gross income (AGI) that exceeds a specified multiple of the federal poverty line (FPL) for the borrower's family size. A…
Descriptors: Federal Programs, Student Loan Programs, Federal Aid, Loan Repayment
Hegji, Alexandra – Congressional Research Service, 2023
The William D. Ford Federal Direct Loan (Direct Loan) program is the single largest source of federal financial assistance to support students' postsecondary educational pursuits. The U.S. Department of Education estimates that in FY2024, $85.8 billion in new loans will be made through the program. As of the end of the first quarter of FY2023,…
Descriptors: Student Loan Programs, Federal Aid, Federal Legislation, Debt (Financial)
Hegji, Alexandra – Congressional Research Service, 2022
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…
Descriptors: Federal Aid, Student Loan Programs, Federal Legislation, Debt (Financial)
Hegji, Alexandra – Congressional Research Service, 2022
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. This report provides an overview of student loan…
Descriptors: Federal Aid, Student Loan Programs, Federal Legislation, Debt (Financial)
Phillip L. Swagel – Congressional Budget Office, 2022
In this letter, the Congressional Budget Office (CBO) responds to questions about the effects of President Biden's August 24, 2022, announcement on executive actions affecting student loans. The cost of outstanding student loans will increase by $20 billion because an action suspended payments, interest accrual, and involuntary collections from…
Descriptors: Student Loan Programs, Loan Repayment, Student Financial Aid, Debt (Financial)
Jason Cohn – Urban Institute, 2024
Recent higher education accountability policies and proposals have often linked programs' or institutions' federal aid access to students' postcompletion earnings. But proposals differ regarding when to measure earnings. Policymakers may want to know how fast earnings typically grow and when in an individual's career earnings growth rates change.…
Descriptors: College Graduates, Education Work Relationship, Income, Wages
Hegji, Alexandra – Congressional Research Service, 2023
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…
Descriptors: Student Loan Programs, Debt (Financial), Federal Programs, COVID-19
Liu, Edward C.; Stiff, Sean M. – Congressional Research Service, 2023
In August 2022, the U.S Department of Education (ED) announced it would invoke the Higher Education Relief Opportunities for Students Act of 2003 (HEROES Act) to cancel up to $20,000 of federal student loan debts for borrowers who fell below certain income thresholds. The HEROES Act authorizes the Secretary to "waive or modify" statutory…
Descriptors: Student Loan Programs, Loan Repayment, Federal Legislation, Debt (Financial)
Emrey-Arras, Melissa; Clark, Cheryl E.; Evans, Lawrance L., Jr. – US Government Accountability Office, 2022
Over the last three decades, the Direct Loan program has grown in size and complexity, with almost $1.4 trillion in outstanding federal student loans. The Direct Loan program provides financial assistance to students and their parents to help pay for postsecondary education. The US Government Accountability Office (GAO) was asked to review changes…
Descriptors: Student Loan Programs, Student Financial Aid, Federal Programs, Federal Aid
Hegji, Alexandra; Shohfi, Kyle D.; Zota, Rita R. – Congressional Research Service, 2022
Outstanding federal student loan debt exceeds $1.6 trillion and is owed by approximately 45 million borrowers. Thus, a policy to broadly cancel federal student loan debt would directly apply to a discrete segment of the U.S. population. Cancelling some amount of federal student loan debt would alleviate loan repayment burdens for qualifying…
Descriptors: Federal Legislation, Student Loan Programs, Student Financial Aid, Debt (Financial)
Jeffrey J. Kuenzi – Congressional Research Service, 2024
The K-12 teacher workforce is relatively large--each year, nearly 4 million teachers are employed in U.S. elementary and secondary schools. Turnover in these schools is high relative to earlier periods--16% of teachers left their school in the 2021-2022 academic year. In addition, there is evidence that teacher quality standards have been lowered…
Descriptors: Elementary Secondary Education, Labor Turnover, Teacher Persistence, Teacher Recruitment
Emrey-Arras, Melissa – US Government Accountability Office, 2022
About half of the more than $1 trillion in outstanding federal student Direct Loans are being repaid by borrowers using IDR plans. Some borrowers in IDR plans are now potentially eligible for forgiveness of their remaining loan balances after 20 or 25 years of payments. GAO was asked to review IDR forgiveness. This report examines: (1) how many…
Descriptors: Federal Aid, Student Financial Aid, Student Loan Programs, Loan Repayment
Hegji, Alexandra – Congressional Research Service, 2021
The Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: (1) the William D. Ford Federal Direct Loan (Direct Loan) program; (2) the Federal Family Education Loan (FFEL) program; and (3) the Federal Perkins Loan program. While new loans are currently authorized to be made only…
Descriptors: Student Loan Programs, Loan Repayment, Federal Aid, Federal Programs
Crandall-Hollick, Margot L.; McDermott, Brendan – Congressional Research Service, 2022
Since 1997, education tax benefits have become an increasingly important component of federal higher education policy. For 2023, 11 higher education-related tax benefits are available. After 2025, absent legislative action, this number will effectively increase to 13. Two provisions that are temporarily suspended are scheduled to be…
Descriptors: Higher Education, Tax Credits, Federal Aid, Incentives
