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Allison F. Gilmour; Roddy Theobald; Nathan Jones – Grantee Submission, 2023
Recruiting and retaining effective special educators is essential for improving the outcomes of students with disabilities, yet it remains one of the foremost challenges facing special education. In this chapter, the authors provide an overview of the extent to which economic interventions -- such as bonuses, increased salaries, and loan…
Descriptors: Special Education Teachers, Teacher Recruitment, Teacher Shortage, Teacher Persistence
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Larkin, Charles; Corbet, Shaen – Journal of Education Finance, 2021
This paper presents an exploratory analysis of the funding mechanisms for higher education across sixteen countries which builds upon existing work on educational institutions, educational outcomes, and welfare regimes. We focus upon the current financing dilemma within the Irish higher education system, seeking potential solutions within an…
Descriptors: Foreign Countries, Educational Finance, Universities, Income Contingent Loans
Lochner, Lance; Liu, Qian; Gervais, Martin – National Bureau of Economic Research, 2021
This paper uses new administrative data with detailed borrower information and lengthy repayment histories from the Canada Student Loans Program (CSLP) to measure rates of return on undergraduate student loans. We document substantial heterogeneity in returns based on information available at the time loans were disbursed, including province of…
Descriptors: Student Loan Programs, Foreign Countries, Loan Repayment, Outcomes of Education
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Furquim, Fernando; Deane, K. C.; McCall, Brian P.; DesJardins, Stephen L. – AERA Open, 2022
This paper studies the patterns of individuals' student loan repayment for up to 12 years, tracking borrowers through the formative ages of the early 20s to the late 30s. Using social sequence and cluster analysis to understand these longitudinal repayment histories, we identify five archetypes of loan repayment that describe borrowers'…
Descriptors: Student Loan Programs, Loan Repayment, Loan Default, Racial Differences
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)
National Association of Student Financial Aid Administrators, 2022
In this report, the National Association of Student Financial Aid Administrators (NASFAA) seeks to fill the gaps in the conversation by providing thoughtful, systemic, and targeted policy solutions to address underlying flaws in the student loan repayment and servicing systems that lead borrowers into financial hardship. The report outlines…
Descriptors: Educational Equity (Finance), Student Loan Programs, Student Financial Aid, Loan Repayment
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Mustaffa, Jalil B.; Dawson, Caleb – Teachers College Record, 2021
Background/Context: Student loans reflect a larger shift in U.S. society in which people are forced to go into debt for basic needs. Student loan debt in the United States has been recognized as a political economic crisis that disproportionately devastates Black people. Scholars have statistically reported on racialized and gendered…
Descriptors: Race, Social Systems, African American Students, Debt (Financial)
Project on Student Debt, 2021
U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. This chart summarizes the interest rates, loan limits, and…
Descriptors: Student Financial Aid, Federal Aid, Paying for College, Loan Repayment
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
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Boatman, Angela; Callender, Claire; Evans, Brent – European Journal of Education, 2022
Student borrowing is a major higher education public policy issue, with students in both England and the United States increasingly relying on loans to finance postsecondary education. Our paper examines prospective higher education students' attitudes towards debt in England and the United States. It exploits a unique dataset which allows us to…
Descriptors: College Students, Student Loan Programs, Cultural Differences, Paying for College
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
Baum, Sandy; Delisle, Jason – Urban Institute, 2022
Much of the policy debate emerging from concerns over student debt has focused on the structure and operation of income-driven repayment (IDR). As the number of available IDR plans and the share of borrowers enrolling in these plans has increased, the system has become more confusing and difficult to navigate. IDR has not prevented default…
Descriptors: Income, Loan Repayment, Paying for College, Student Loan Programs
Jackson, Victoria; Williams, Brittani; Mustaffa, Jalil B. – Education Trust, 2023
Approximately 43 million Americans collectively owe $1.5 trillion in federal student loan debt, but students aren't the only ones drowning in student debt. Increasingly, parents, particularly Black parents, are taking out Parent PLUS (Parent Loans for Undergraduate Students) loans and putting off retirement to help their children pay for college.…
Descriptors: Student Loan Programs, Financial Aid Applicants, Parents, Undergraduate Study
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Darolia, Rajeev; Ritter, Dubravka – Education Finance and Policy, 2020
Bankruptcy reform in 2005 restricted debtors' ability to discharge private student loan debt. The reform was motivated by the perceived incentive of some borrowers to file for bankruptcy under Chapter 7 even if they had, or expected to have, sufficient income to service their debt. Using a nationally representative sample of millions of anonymized…
Descriptors: Student Loan Programs, Loan Default, Debt (Financial), Loan Repayment
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