This proceedings contains 25 papers, the conference agenda, and summaries of other presentations of a 1989 conference on student financial aid. The following papers are included: "Minorities in Higher education in the 1970s and 1980s-What the Current Population Surveys Tell Us" (Paul M. Siegel); "Estimating Minority Participation in College: Problems and Prospects" (Michael L. Tierney); "Post-High School Plans and Aspirations of Black and White High School Graduates:" What Has Changed Since the Mid-1970s?" (Robert M. Hauser); "Vanishing Dreams: The Growing Economic Plight of America's Young Families" (Clifford M. Johnson); "Family Income and Student Financial Aid Eligibility" (Thomas G. Mortenson); "Why Can't We Agree On What's Happened to U.S. Living Standards? Income and Wealth Trends Among the Middle Class" (Richard C. Michel); "Income Distribution of New Jersey Families with Children in College, 1977-1986: Data from State Income Tax Returns" (Lutz K. Berkner); "The NASFAA Rapid Survey Network" (Karl Knapp); "Outreach Programs in Texas" (Jane Caldwell); "Guaranteed Student Loan Indebtedness: Its Influence on Undergraduate Student Decision-Making At Virginia Commonwealth University" (Alice E. Presson); "Development of the Pell Grant Pre-Established Criteria" (Pedro J. Saavedra); "Corporate Support for Scholarships: A Tale of Two Cities" (Joseph M. Cronin); "Report on Early Awareness" (Ernest T. Freeman); "The Effectiveness of Early Awareness Program Information" (Jerry S. Davis); "National Service and Student Aid" (Patricia Smith); "Further Exploration of the Distribution of Higher Education Subsidies" (John B. Lee, Marilyn Sango-Jordan); "Student Financial Aid as a Method of Cost Sharing at Private Colleges" (Donald L. Basch); "A Policy Analysis Study of Tuition Pricing At the State University of New York": (Arlene Olinsky); "Financing the Cost of Attendance: How Much Do Students Pay?" (Patricia S. Grimes, Gregory E. McAvoy); "Characteristics of Stafford Loan Program Defaulters: A National Study" (Gary F. Beanblossom, Blanca Rosa Rodriquez); "Student Borrowers and Education Debt Burdens" (Laura L. Greene); "Some New Evidence on the Determinants of Student Loan Default" (Saul Schwartz, Sandra Baum); "Independent Students: Analysis of the Changes in Definition" (John B. Lee, M. Nadir Atash); "Financial Aid as a Factor in Hispanic Students' College Attendance: What Can Be Said From the National Postsecondary Student Aid Study?" (Gwendolyn L. Lewis); "Results from the New York State Augmentation of the 1986-87 National Postsecondary Student Aid Study" (Thomas J. McCord, Glenwood L. Rowse, Nancy Willie-Schiff). Includes a roster of conference participants. (JB)