Observers from across the ideological spectrum argue that the US is in the midst of a student debt crisis. This report takes an approach to understanding who holds student debt by examining borrowers' characteristics when the loans were originated. To help fill a void in the research, this analysis focuses on borrowing patterns among students who…

Completing additional education after high school has nearly become a prerequisite for a stable career and middle-class income. Yet the total cost of higher education continues to climb, increasing 31 percent at public institutions and 24 percent at private nonprofit institutions in ten years. Consequently, student loans will remain a reality for…

Problem and Purpose: All over the world, the costs of higher education are becoming unaffordable for people of low and middle socio-economic status. The rising costs of colleges and universities are outpacing any growth in incomes and the price increases of other indispensable needs such as medical care, food, clothing and housing. Tanzania is…

The widespread notion of a general student debt "crisis" creates an exaggerated image of the problems associated with borrowing for college and diverts attention from the serious difficulties some students and former students face. A disproportionate amount of attention goes to the $1.5 trillion dollars in outstanding student debt.…

What do state policies say about how to fund postsecondary education? This 50-State Comparison answers this question by searching state statutes, state rules and regulations, enacted state budget bills, and state postsecondary education agency policies that address postsecondary education budgeting and funding. According to the content of the…

Institute for Women's Policy Research (IWPR) conducted original research on an often-overlooked group of students--parents with children--as they struggle to make ends meet while pursuing academic degrees and certificates. Student parents often face enormous financial barriers to academic success. They report high financial insecurity including…

The 2021 PACE/USC Rossier poll provides key insights into Californians' perceptions of higher education issues during the COVID-19 pandemic, specifically equity and affordability. A large percentage of Californians acknowledge that college affordability is an important educational issue, and they generally express support for increased access to…

As Washington prepares to welcome a new Congress in January 2023, incoming policymakers who want to improve education for every student and give parents more control over where and how their children are educated have many policy options at their disposal. New Members of Congress who want to protect taxpayers and rein in college costs also have…

With student loan debt reaching approximately $1.5 trillion, many are concerned that student loans may be the next financial bubble to burst. They cite students with loans of more than $100,000 and ballooning loan default rates. They contend that borrowing for higher education may not be worth the financial risks. Some even argue that students…

With student loan debt reaching approximately $1.4 trillion, critics are concerned that student loans may be the next financial bubble to burst. They cite students with loans of more than $100,000 and ballooning loan default rates. They contend that borrowing for higher education may not be worth the financial risks, especially for students who…

Higher education leaders are looking for high impact ways to improve retention and graduation rates in a climate of austere budgets. Increasingly, higher education sees the interplay of finances and academic performance as a key driver of student success. Across the nation, measurable improvements in student success outcomes are observed when…

"Student Debt and the Class of 2019" is The Institute for College Access & Success' (TICAS') fifteenth annual report on the student loan debt of recent graduates from four-year colleges, documenting changes and variation in student debt across states and colleges. This report includes federal policy recommendations to reduce debt…

Recent efforts to understand aggregate student loan debt have shifted the focus away from undergraduate borrowing and toward dramatically rising debt among graduate and professional students. We suggest educational debt plays a key role in social stratification by deterring bachelor's degree holders from disadvantaged and underrepresented…

This Statistics in Brief describes the employment, debt-related, and enrollment experiences as of 2012 among students who completed their bachelor's degrees during the 2007-08 academic year. These findings are based on data from the second follow-up of the 2008 Baccalaureate and Beyond Longitudinal Study (B&B:08/12), a nationally…

The federal government's Direct Loan program dominates the student-loan market today, issuing 90 percent of all loans made across the country each year. Students pursuing everything from short-term certificates to master's degrees qualify for nearly $100 billion in loans every year at terms more generous than most private lenders would offer.…