The recent focus on student debt makes reliable data about how much students are borrowing, how borrowing patterns differ among students across different types of institutions and at different levels of enrollment, and about changes over time particularly important. While total student borrowing has grown rapidly over the past decade, the rate of…

This overview of postsecondary education in the United States reviews the dramatic changes over the past fifty years in the students who go to college, the institutions that produce higher education, and the ways it is financed. The article, by Sandy Baum, Charles Kurose, and Michael McPherson, creates the context for the articles that follow on…

This report documents differences in the earnings and employment patterns of U.S. adults with different levels of education. It also compares health-related behaviors, reliance on public assistance programs, civic participation, and indicators of the well-being of the next generation. Financial benefits are easier to document than nonpecuniary…

"Trends in Student Aid," an annual College Board publication since 1983, is a compendium of detailed, up-to-date information on the funding that is available to help students pay for college. This report sorts aid into grants, loans, tax benefits, and Federal Work-Study assistance. It documents funding from federal and state governments,…

The published prices on which the analysis in "Trends in College Pricing" is based come from data reported by institutions on the College Board's Annual Survey of Colleges. This survey, which is distributed to nearly 4,000 postsecondary institutions across the country, collects a wealth of data on enrollment, admission, degrees and…

The financial-aid policies and practices of colleges and universities have made too many headlines in recent times to remain the domain of technical experts. Boards of trustees, like other constituencies that are responsible for the health and well-being of postsecondary institutions, should be asking how issues being raised about student…

Widespread concern about the high and rising price of college makes timely data on tuition increases in historical context particularly important. The increase in average published tuition and fees at public four-year colleges and universities for the 2012-13 academic year is smaller than it has been in recent years--and below the average growth…

Most economists expect the current economic downturn to be one of the most severe since World War II. In fact, there is a very real danger that the changing circumstances of students, families, state and federal governments, and educational institutions could interact to significantly diminish educational opportunity in the United States. The most…

Under current law, students pursuing an undergraduate degree in the United States are considered financially independent (from their parents) for the purposes of financial aid if, among other conditions, they are 24 years of age or older. When students' parents are able to pay, considering them financially independent may result in more generous…

This report proposes a more reliable method of determining the subsidies required by independent students. The current Federal methodology for need analysis provides a crude index for determining eligibility. This report takes an innovative approach to determining independent students' ability to pay for education. It challenges many of the…

Historically, the primary role of financial aid was to increase educational opportunities for those with inadequate resources, yet more recently institutional aid is increasingly becoming based on criteria unrelated to financial need. Various political forces have reinforced the institutional tendency to redirect dollars from the mission of…

This paper discusses the role of student loans in college access. Borrowing to pay for education is a sound decision for most students, and student loans are a vital part of college financing policy. There has been a considerable increase in student borrowing, and much of this results from the introduction of the Stafford Loan in 1993. Borrowing…

The fourth Nellie Mae survey of student loan borrowers in repayment reveals that education debt burdens remain manageable for most borrowers. A clear majority of those in repayment report that the benefits of the educational opportunities made possible through borrowing are well worth any problems associated with paying off the loans. There are,…

Recent headlines about spiraling college prices combined with congressional proposals to penalize colleges and universities that increase their tuitions much faster than the rate of inflation could lead one to conclude that America faces an unprecedented crisis in college affordability. Closer examination of what students actually pay for college,…

Causes of the emerging perception among middle-income students that their educational opportunities are being restricted are discussed, and potential solutions are offered, including controlling college costs, encouraging saving, and borrowing. The role of information and of values and priorities in helping middle-income families pay for college…