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Cackley, Alicia Puente – US Government Accountability Office, 2019
The Economic Growth, Regulatory Relief, and Consumer Protection Act enabled lenders to offer a rehabilitation program to private student loan borrowers who have a reported default on their credit report. The lender may remove the reported default from credit reports if the borrower meets certain conditions. Congress included a provision in statute…
Descriptors: Student Loan Programs, Private Financial Support, Loan Default, Loan Repayment
Emrey-Arras, Melissa; Bagdoyan, Seto J. – US Government Accountability Office, 2019
As of September 2018, almost half of the $859 billion in outstanding federal Direct Loans was being repaid by borrowers using income driven repayment (IDR) plans. Prior U.S. Government Accountability Office (GAO) work found that while these plans may ease the burden of student loan debt, they can carry high costs for the federal government. This…
Descriptors: Federal Aid, Student Loan Programs, Loan Repayment, Income
Friedman, Dorian – Progressive Policy Institute, 2019
Higher education offers the skills prized by employers in an increasingly global marketplace, and puts graduates on a path to higher wages over a lifetime of work. But for far too many Americans, it comes at the price of student loans that can saddle them with debt just as they are launching their careers and stunt their financial wellbeing for…
Descriptors: Employers, Debt (Financial), Loan Repayment, Fringe Benefits
Jason Delisle; Jason Cohn – Urban Institute, 2023
The Biden administration is pursuing two higher education policies through a series of rulemaking processes that aim to make higher education more affordable and less risky for students. One policy focuses on the system's back end by helping students repay their loans, and the other focuses on the front end by cutting off access to federal aid for…
Descriptors: Educational Policy, Standards, Higher Education, Loan Repayment
Leach, Todd J. – New England Journal of Higher Education, 2022
The issue of student debt is now at the forefront of public discourse and political debate. There is no question that debt, not just student debt, impacts the economy and hinders the economic wellbeing of many Americans. At the same time, the factors that lead to that debt should not be ignored. Not all student debt is the same, and not all…
Descriptors: Debt (Financial), Student Loan Programs, Loan Default, Loan Repayment
Daniels, Kisha N. – Hunt Institute, 2022
Teacher diversity is beneficial for all students, but especially students of color. The evidence is clear that having a teacher that matches students' racial identity increases reading and math scores, reduces the use of exclusionary discipline practices, and increases the likelihood of graduating high school and matriculating into a postsecondary…
Descriptors: Diversity (Faculty), Minority Group Students, Minority Group Teachers, Teacher Influence
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Lee, Jei Young – Journal of Financial Counseling and Planning, 2020
Using data from Lending Club, we analyzed funded loans between 2012 and 2013, the default status of which were mostly known in 2018. Our results showed that both the borrower characteristics and the conditions of the loan were significantly associated with the loan default rate. Results also showed that the sentiment of a user-written loan…
Descriptors: Money Management, Loan Default, Loan Repayment, Correlation
Project on Student Debt, 2020
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, Loan Default, Eligibility, Federal Aid
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Smith, Katie N. – Journal of Student Financial Aid, 2021
In 2018-2019, North Carolina implemented a loan forgiveness program to recruit talented postsecondary students into teaching majors in needed subject areas. This qualitative case study analyzes the influence of the North Carolina Teaching Fellows Program (NCTFP) on 10 student participants' college, major, and career plans in STEM education to…
Descriptors: Fellowships, Student Loan Programs, State Programs, Loan Repayment
Hillman, Nick – Higher Education Policy Institute, 2021
Cuts to education may be regarded as counter-productive at times of upheaval, but it has been reported Ministers want to make savings on higher education in England at the next spending review. Higher Education Policy Institute (HEPI) has therefore published some new modelling commissioned from London Economics on various possible changes to…
Descriptors: Educational Finance, Educational Benefits, Educational Policy, Foreign Countries
Postsecondary Value Commission, 2021
The Postsecondary Value Framework sets wealth accumulation as a key indicator of postsecondary value. Postsecondary education's impact on wealth-building is especially salient for students of color, who tend to start a financial step behind their more privileged White counterparts due to the longstanding racial wealth gap. The racial wealth gaps…
Descriptors: Postsecondary Education, Outcomes of Education, Economic Impact, Racial Differences
Brickman, Michael – American Enterprise Institute, 2021
On the campaign trail, President Joe Biden's higher education agenda featured prominent promises to forgive student loan debt and make community college debt free. But as Congress continues to debate these high-profile proposals, Biden's Department of Education has signaled its intent to use a little known yet powerful regulatory process to take…
Descriptors: Public Agencies, Educational Policy, Policy Formation, Federal Government
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Jie Wang; Hideo Akabayashi; Masayuki Kobayashi; Shinpei Sano – Studies in Higher Education, 2024
Since the late 1990s, the number of college student loan debtors has increased rapidly in Japan. Despite the uniqueness of Japanese higher education policies in terms of tuition levels and heavy reliance on educational loans rather than grants, few studies have focused on the influence of student loans on adult youths' lives. This study is the…
Descriptors: Student Loan Programs, Debt (Financial), Foreign Countries, Educational Policy
Institute for College Access & Success, 2024
The College Cost Reduction Act would overhaul the Higher Education Act, making changes to student borrowing and repayment, borrower protections, college oversight, postsecondary data, and more. The bill includes a new proposed risk-sharing model that would require colleges to repay the federal government for a calculated proportion of their…
Descriptors: Costs, Paying for College, College Students, Federal Legislation
Bellamy, Brittany Nichole – ProQuest LLC, 2023
While the completion of a baccalaureate degree is the gateway to a greater quality of life in areas of employment, health, housing, civic engagement, mortality, and economic wealth, the college experience for Black American students is typically coupled with the accumulation of a disproportionately high amount of student loan debt. While the most…
Descriptors: First Generation College Students, Blacks, African American Students, Student Loan Programs
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