Issues concerning college student loans are addressed in 10 chapters written by educators, guarantee agency administrators, and government officials. Topics include: loan repayment, the impact of loans on access, loan programs in five industrialized nations, and the Guaranteed Student Loan program and other sources of financial aid. Chapter titles and authors are as follows: "Myths and Realities of Student Indebtedness" (Joseph Marr Cronin, Sylvia Quarles Simmons); "Repayment, Responsibility, and Risk" (Dennis J. Martin); "The IRS Student Loan Collection Program" (Richard Hastings); "The Dilemmas of Loan Counseling: A Practitioner Viewpoint" (Ann Coles, Janice Dorian, Theresa Orr, S. Simmons); "Access to Higher Education: A Shared Responsibility" (Dolores E. Cross); "Minority Students in Higher Education: A New England Perspective" (Richard G. King); "International Perspectives: A Five-Nation Study" (D. Bruce Johnstone); "Student Financial Aid: An International Perspective" (J. Cronin); "The Prospect for Family Education Loans" (Ernest T. Freeman, Thomas D. Parker); and "Improving Student Aid" (J. Cronin, S. Simmons). Appended are a glossary and information on: ACCESS, a counseling and tuition aid program; the Higher Education Information Center; and the Massachusetts Higher Education Assistance Corporation. (SW)