This survey concludes that, overall, student debt has not caused most borrowers to make lifestyles changes nor regret their educational investment. Discussion analyzes borrower debt levels; payment-to-income and debt-to-income ratios; noneducation debt burden; student perceptions about borrowing and debt; effect of borrowing on decision making;…

This report presents a model and an approach that institutions of higher education can use to analyze and project the impact of endogenous and exogenous factors on both net and gross tuition in the context of the increasing practice of tuition discounting. It is noted that two key questions drive this effort: (1) what influence does gross tuition…

Designed to help high school guidance counselors advise students about financial aid for postsecondary education, this handbook provides information on sources of aid from programs administered by the U.S. Department of Education. The guide is divided into three parts: (1) General Information about Postsecondary Opportunities; (2) The Application…

Designed to help high school guidance counselors advise students about financial aid for postsecondary education, this handbook provides information on sources of aid from programs administered by the U.S. Department of Education. The guide is divided into three parts: (1) General Information about Postsecondary Opportunities; (2) The Application…

This directory lists more than 1,000 merit and other no-need funding and scholarship programs open to high school students and recent graduates for their undergraduate education in the United States. The programs are classified according to course of study in the sciences, social sciences, humanities, or any subject area. Programs reward…

These proceedings include five papers presented at a symposium on issues related to the increasing amounts of student borrowing and resulting student debt. Also included is a synopsis of a roundtable discussion addressing core questions framed by the symposium, as well as several public policy options for addressing student loan debt burden. The…

This Handbook was designed to help high school guidance counselors advise students in seeking financial aid for postsecondary education. The information provided concentrates on sources of aid from the programs administered by the United States Department of Education. The guide is divided into three parts: (1) General Information about…

This volume describes the institutional eligibility and administrative requirements for the William D. Ford Federal Direct Loan (Direct Loan) Program and the Federal Family Education Loan (FFEL) Program. The borrower's eligibility is the same under either program, but the procedures are different because funds for Direct Loans are provided…

This publication provides guidance to schools that participate in the Federal Direct Student Loan Program. It provides details on how the Direct Loan Program operates and on Direct Loan policies and procedures. The 12 chapters include: (1) "Overview of the Direct Loan Program"; (2) "Basic Components of Direct Loans"; (3)…

This workbook covers all the processes needed to administer the federal direct loan program in schools; it requires familiarity with the basic concepts found in the "Direct Loan School Guide." The eight units of instruction include: Unit 1: an overview; Unit 2: processing loan records, including the EDExpress setup, the processing cycle,…

Introduces the issue, with the following themes: (1) the increased importance of higher education; (2) policies, issues, and attitudes affecting access to higher education in the 1980s; and (3) the questionable effectiveness of junior colleges. (DM)

Analyzes the influence of student aid on enrollment decisions of all accepted applicants at four institutions. Student aid was negatively associated with first-time enrollment, indicating that, in most cases, the amount of aid available was insufficient relative to the cost of college attendance. This suggests that institutions need to study their…

This collection of charts is intended to be used by participants in the tuition discounting study to interpret and present institutional results vis-a-vis comparative peer groups. The three peer groups included in the study are: small colleges, lower tuition; small colleges, higher tuition; and large colleges and universities. The document is…

This paper requests comments by January 21, 1997 concerning a new application process for students applying for federal financial aid and a listing of need analysis issues concerning student aid to be considered as part of the reauthorization process for the Higher Education Act. Several possible viewpoints concerning need analysis and delivery…

This report presents statistics and other information concerning trends in, and the current (1991) status of, various student financial aid programs in New York State. Among the report's findings are the following: (1) New York State spent more on student aid in 1990-91 than 1989-90 out of a smaller State higher education budget; (2) despite the…