Greater educational attainment is associated with an increase in expected income, lowering of internal discount rates, and improved financial and health literacy. Income transfers have the potential to positively impact educational attainment by either reducing the direct cost of college attendance or by an inducing an income effect that nudges…

This study seeks to assess whether self-interest influences support for two policies to cancel student debt--one forgiving all student debt and one taking a means-tested approach to debt forgiveness. Each of these policy proposals offers a material benefit to certain groups of individuals while imposing cost or having no benefit to others, which…

Substantial increases in public university tuition often raise concerns about college affordability. But assessment of the impacts on low- and moderate-income families requires consideration of whether net tuition--tuition less grant aid--has increased commensurately. This paper describes recent shifts in net tuition by family income and…

This mixed research study focused on the selection criterion and guidelines used by the Higher Education Students Financing Board (HESFB) in granting students loan scheme to University Students in Uganda with a sample from Makerere University. Findings revealed that the majority of the loan beneficiaries are aware of these guidelines and one to…

As China moved from elite to mass higher education, student borrowers as the product of state intervention have surged. Yet little attention has been paid to their voices. This study conducts reflexive thematic analysis with a qualitative inquiry into lived experiences of 41 current borrowers. A five-factor typology of debt attitudes yields a…

There has been widespread concern about widening disparities in parental investments that may be associated with widening gaps in educational attainment. Using data from the National Education Longitudinal Study of 1988 and the Education Longitudinal Study of 2002, this study examines parents' investments and engagement in the college-going…

For 16 years, Sallie Mae has surveyed college students and parents of undergraduate students about their attitudes toward higher education and how they're paying for it. This year's report explores education funding sources--from family income and savings to scholarships, grants, and borrowed funds--and evaluates trends in payment strategies over…

In 2011, Chile experienced massive student protests against the marketization of education. During 2013, center-left President Michelle Bachelet proposed tuition-free higher education for Chile's families in the bottom 70th percentile of the income distribution, fueling controversy due to the uncertainty and unexpected consequences of the policy.…

For 15 years, Sallie Mae has surveyed college students and parents of undergraduate students about their attitudes toward higher education and how they're paying for it. "How America Pays for College" explores education funding sources--from family income and savings to scholarships, grants, and borrowed funds--and evaluates trends in…

Low student completion rates have increased pressure on college and university administrators across the country to raise retention and graduation rates and have forced the review of many practices on campus. This qualitative study aimed to examine the effects of financial aid on higher educational persistence among African American males.…

The theme of the Equity Indicators for 2024 is confronting the realities and exploring feasible solutions related to the paradoxical and unequal higher education system. As the figure shows, higher education in the United States is increasingly the major agent of overcoming poverty and of attaining upward mobility toward the so-called…

Differences in socioeconomic status have long been one of the major contributing factors to household educational investment, which is also a key concern in related research. Utilizing Panel Study of Family Dynamics (PSFD) datasets from 2003 to 2004, in this study we examine family investment in children's education in southeast China and Taiwan,…

We examine how the racial wealth gap interacts with financial aid in American higher education to generate a disparate impact on college access and outcomes. Retirement savings and home equity are excluded from the formula used to estimate the amount a family can afford to pay. All else equal, omitting those assets mechanically increases the…

For the past 14 years, Sallie Mae's "How America Pays for College" report has surveyed college students and parents of undergraduate students about their attitudes toward higher education and how they are paying for it. The research examines families' attitudes toward the value of a college education, as well as their key considerations…

For the past 13 years, Sallie Mae's "How America Pays for College" study has surveyed American college students and parents of undergraduate students about their attitudes toward college and how they paid for it. The research examines families' attitudes toward the value of a college education, their key considerations about what school…