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Jason Delisle; Jason Cohn – Urban Institute, 2023
The Biden administration launched a new income-driven repayment (IDR) plan for federal student loans this year called Saving on a Valuable Education (SAVE). The plan cuts borrowers' monthly payments compared with current IDR plans, provides earlier loan forgiveness for smaller debts, and prevents unpaid interest from accumulating. To better…
Descriptors: Paying for College, Student Loan Programs, Federal Aid, Loan Repayment
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Jacob Goss; Daniel Mangrum; Joelle Scally – Education Finance and Policy, 2024
We quantify the total stock of balances eligible for the Biden administration's 2022 student loan forgiveness proposal and examine which groups would have benefited most. Up to $442 billion in loans were eligible. Those who would have benefited most were younger, had lower credit scores, and lived in lower- and middle-income neighborhoods. We also…
Descriptors: Loan Repayment, Student Loan Programs, Low Income, African Americans
Myskeshia L. Mitchell – ProQuest LLC, 2024
This dissertation, which is highly relevant to education, examines Black educators' life experiences with student loan debt. It provides insight into the impact of student debt and how these experiences shape their interactions with Black students. Using their narratives, this study serves as a self-reflective journey, bringing the reader closer…
Descriptors: African American Teachers, Debt (Financial), Student Loan Programs, Paying for College
Jason Delisle; Jason Cohn – Urban Institute, 2024
Policymakers and the public are increasingly concerned about the payoff students and taxpayers receive from government subsidies for postsecondary education. This concern has led advocates and policymakers to call for stronger quality assurance policies for colleges and universities. Past efforts to enact quality assurance policies have focused on…
Descriptors: Measurement, Income, Intellectual Disciplines, Majors (Students)
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Zhang, Yu; Fan, Lu – Journal of Financial Counseling and Planning, 2022
This study used the 2015 National Financial Capability Study to investigate the relationships among financial capability, financial education, and student loan debt outcomes. Specifically, this study examines four student loan outcomes: delinquency, stress, preparation, and satisfaction among borrowers who obtained loans for themselves. Three…
Descriptors: Financial Literacy, Financial Education, Student Loan Programs, 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)
Institute for College Access & Success, 2022
On August 24, 2022, President Biden announced that his administration would be cancelling $10,000 -- $20,000 of student debt for middle- and lower-income borrowers. Naturally, this announcement has unleashed a wave of follow-up questions among borrowers. This fact sheet is intended to help Californians with student loans navigate the process of…
Descriptors: Student Financial Aid, Loan Repayment, Debt (Financial), Public Policy
Vijantie M. Boodoo – ProQuest LLC, 2022
Florida implemented Statute 1009.45 as of July 1, 2017, to require colleges and universities to provide annual student loan debt notifications to students to inform them about their student loan obligations. The purpose of this basic qualitative study was to examine how college students in the State of Florida make financial decisions about their…
Descriptors: State Legislation, Student Loan Programs, Loan Repayment, Debt (Financial)
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Michelle Mott – College and University, 2023
Since taking office, the Biden administration has sought to advance a complex and ambitious higher education regulatory agenda. The U.S. Department of Education held two separate rounds of negotiated rulemaking in 2021-22 to rewrite rules governing student loan relief programs and institutional accountability. This fall, the agency announced plans…
Descriptors: Presidents, Higher Education, Student Loan Programs, Federal Aid
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Ari Anisfeld; Elizabeth Bell; Oded Gurantz; Dennis Kramer – Society for Research on Educational Effectiveness, 2023
The administration of college financial aid is a key venue through which colleges can affect the likelihood that students will make it to graduation. We investigate the effects of an understudied yet consequential federal student aid policy: Return of Title IV Funds (R2T4). Under R2T4, students "earn" Federal Student Aid over a term or…
Descriptors: College Students, Student Financial Aid, Federal Aid, Educational Legislation
US Congress, 2021
The Consider Teachers Act of 2021 was put in place to amend the Higher Education Act of 1965 in order to improve the service obligation verification process for TEACH Grant recipients, and for other purposes. The Act includes the following sections: (1) Short Title; (2) Teach Grants; (3) Submission of Employment Certification; (4) Extension of…
Descriptors: Educational Legislation, Federal Legislation, Loan Repayment, Grants
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Anita Manion – Higher Education Policy, 2024
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…
Descriptors: Debt (Financial), Loan Repayment, Taxes, Predictor Variables
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Thanh Hung Nguyen; Bình Nghiêm-Phú; Quang Trong Vu – Cogent Education, 2024
University students are potential customers of peer-to-peer (P2P) lending and pawnbroking services. However, the existing literature has primarily underestimated such borrowers' opinions of these services, especially from a comparative standpoint. In addition, previous studies have also neglected the implications for personal financial and…
Descriptors: Undergraduate Students, Peer Relationship, Foreign Countries, Loan Repayment
US Congress, 2020
The Stop Student Debt Relief Scams Act of 2019 was put in place to explicitly make unauthorized access to Department of Education information technology systems and the misuse of identification devices issued by the Department of Education a criminal act. The Act includes the following sections: (1) Short Title; (2) Criminal Penalties; (3) Loan…
Descriptors: Federal Legislation, Educational Legislation, Debt (Financial), Loan Repayment
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