Since the turn of the twenty-first century, going to college has become increasingly financially difficult in the United States. Tuition prices continued to rise, state funding for higher education declined, and the mean family income declined or stagnated for all but the top 20 percent of families (Goldrick-Rab 2016). In a period where college…

While the majority of college students use credit cards for educational expenses like textbooks, recent data reports that college students also use credit cards to directly fund their schooling by charging for at least some part of their tuition (Sallie Mae, 2009). Because credit cards carry a higher interest rate than student loans, and because…

The Pell Grant is the cornerstone of the federal student aid programs, providing need-based grant aid to the country's lowest-income postsecondary students. Pell Grants have failed for decades to keep pace with increased college costs and inflation. Doubling the maximum Pell Grant to $13,000 will effectively recalibrate the grant and restore its…

As college promise programs proliferate across the United States with noted intentions to promote access through increased affordability, it is necessary to understand the relationship between these programs and other forms of financial aid, including loans. Using federal, state, and program-level data, we leverage a natural experiment to estimate…

The U.S. Department of Education's three-month delay in launching the new Free Application for Federal Student Aid (FAFSA) form and the subsequent lack of continuous access, ambiguities in the form, and data reporting errors have resulted in a significant decline in form completions for 2024. The analysis in this report--a first-of-its kind study…

Federal government policies have shifted the financial burdens of paying for college away from the public (e.g., grants and scholarships) to more onus placed on students and their families (Elliott & Friedline, 2013; Robb, 2011). However, budget cuts due to economic challenges often increase tuition rates (Orfield, 2002) that outpace what…

College affordability is a significant factor in student access, retention, and completion. Tuition and fee rates are a component of affordability, as is the availability of financial aid programs from federal, state, institutional and private sources, among other factors. Strategically designed approaches to college affordability can better…

Five years after our 2019 analysis of student borrowing rates across the University of California (UC) system, TICAS partnered with the University of California Student Association (UCSA) again to evaluate the state of affordability and student debt for undergraduates at the UC, and their implications for student success. While our analysis finds…

In this dissertation, I study the relationships between financial aid, student characteristics, persistence, and completion in three separate chapters. In all three chapters, I use detailed, student-level administrative data from the UNC System beginning in the Fall 2013 semester. The first chapter is entitled "Tuition Reduction and Student…

Higher education in countries like Ghana faces significant challenges, including financial barriers, which usually hinder students' educational progress and graduation rates. While some students usually rely on family support and personal savings, these resources are generally insufficient for covering all educational expenses. Although student…

Authored by Dr. Wendy Kilgore and Dr. James Dean Ward, this report delves into the impacts and institutional responses to federal regulations limiting transcript holds for students with unpaid balances. This comprehensive analysis is essential reading for anyone involved in higher education administration. Based on a survey of 326 institutions,…

This report, authored by Dr. Wendy Kilgore, Senior Director of Research at AACRAO, and Dr. James Ward, Principal at Ithaka S+R, provides insights into the impact of state-level transcript hold regulations on higher education institutions and learners. Key findings from the report include: (1) 97% of institutions changed practices or policies after…

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…

This Insight Brief discusses how students with intellectual disability can utilize federal financial aid to help pay for college. This publication is updated annually to reflect current legislation and policy related to federal financial aid for students with intellectual disabilities. The information provided is current as of January 2023.

States founded, control, and fund public postsecondary institutions because higher education helps meet state goals. Public institutions of higher education provide considerable public benefits to states, but these benefits have not been systematically measured. As a result, public conversations about the broad value proposition of higher…