Community colleges play an important role in providing access to higher education and promoting economic mobility, but student outcomes vary widely across institutions. Although community colleges have been largely excluded from recent federal accountability action, the potential re-regulation of Gainful Employment raises the question of whether…

This report and the accompanying interactive web tool are a first step toward helping students sort through the 37,000 programs in the College Scorecard data to learn which programs offer a pathway to good earnings and which threaten more debt. Part 1 examines earnings differences across different institutions. Just as there is overlap in…

In 2017, the U.S. Department of Education released groundbreaking data showing that half of Black or African American borrowers who first entered college in the 2003-04 academic year defaulted on their student loans within 12 years. New federal data released this fall show that these numbers have not improved: Black or African American borrowers…

Although default rates have decreased in recent years, community colleges still struggle to keep their rates in check: 18.5 percent of borrowers from public two-year colleges default within three years compared to the national average rate of 11.3 percent. In 2015, the Association of Community College Trustees (ACCT) published "A Closer Look…

Background/Context: Sub-baccalaureate certificates can provide an accelerated pathway to gainful employment for the unemployed or underemployed. Certificates represented only 6% of postsecondary awards in 1980, but today they represent 22% of all credentials awarded and have superseded associate's and master's degrees as the second most common…

American consumers owe more than $150 billion in outstanding private student loan debt. While this amount is significantly less than the amount outstanding on student loans guaranteed by the federal government, the private student loan ("PSL") product is an important component of higher education finance and does not appear to be well…

TG provides critical support to schools, students, and borrowers at every stage of the federal student aid process--from providing information on how to pay for a higher education including financial aid options, to facilitating successful loan repayment after graduation. This issue of "State of Student Aid and Higher Education in Texas"…