Critics say that for-profit career colleges--which, according to industry figures, enrolled 3.2 million students in the United States in 2009--have been plagued by deceptive recruiting practices that lure students into programs they could find elsewhere for much less money. Students often borrow tens of thousands of dollars to attend these…

It is a difficulty problem to choice repayment patterns of student loan. "Conventional mortgage-type loan" and "Income contingent loan" has been performed in many countries. These loan repayment manners have their own characteristics. In this paper, we discuss their advantages and disadvantages, and would provide policy choice…

This article examines debt burden among college graduates and contributes to previous research by incorporating institutional and state characteristics. Utilizing a combination of national datasets and zero-one inflated beta regression, we find several major themes. First, family income and college experiences are strongly associated with the…

Rural schools, particularly high poverty rural schools, often have difficulty hiring and retaining qualified teachers. Here, we discuss three programs the Arkansas Department of Education has used to attract teachers to teacher Geographic Shortage Districts (GSDs) through material incentives. Unfortunately, none of the programs have had much…

The harsh reality of debt among college-aged students is a growing problem. According to the Center for Economic and Entrepreneurial Literacy, 54 percent of college student respondents had overdrawn their bank account and 81 percent underestimated the time it would take to pay off a credit card balance by a large margin. In a climate where even…

This study examined the education-related debt, sources of debt, and the process of acquiring accommodations for students with non-apparent (such as learning disabilities and mental health disabilities) and apparent disabilities in Canadian postsecondary education. A third group emerged during analyses, students with medical disabilities, which…

Parents and students recognize the value of a college degree. Increasingly, they are borrowing large sums of money to invest in the future. Their choices about how to save for college, where to attend college, how much and from where to borrow for college, and how to repay their loans, have grown more complex. Yet families work with incomplete…

"American Student Assistance" has a unique window onto students during some very important milestones in their formative financial years. This nonprofit interacts with students from the time they're choosing a college, to applying for financial aid and loans, to starting a first job, getting that first apartment, making that dreaded…

The benefits of deferring the payment of higher-education costs are increasingly acknowledged as a way to overcome student-borrowing constraints. Since higher education is a risky investment and students are generally risk averse, the repayment arrangements proposed in the literature frequently include some insurance. In a competitive environment,…

A decade has passed since participants in the World Education Forum committed themselves to achieve, by 2015, the six Education for All (EFA) goals under the Dakar Framework for Action. Despite significant progress, some of the goals are likely to be missed by a large margin. Besides the absence of a well co-ordinated multi-donor approach in…

Evidence in the research literature indicates people may treat "won" money differently than they would their own money. The present study had a sample of 648 college students complete a delay-discounting task that involved the hypothetical monetary amounts of $1,000 or $100,000. Participants were asked repeatedly what amount they would…

Alumni of the Ron Brown Scholar Program, young adults selected for their intellect, leadership skills, service, and financial need, are finding success in the law, government, science, business, medicine, and the arts. Yet they remain tied to the scholarship program, contributing to its continued success by donating money and volunteer hours to…

The goal of "college-for-all" in the United States has been pursued in an environment of rising tuition, stagnant grant aid and already strapped family budgets with the gap filled by college loans. College students are thus facing increasing levels of debt as they seek to develop their human capital and improve their career options. Debt…

President Obama has emphasized the importance of higher education, and recently implemented ambitious higher education finance reform that will serve to benefit college students now and in the future. Although these changes are noteworthy, little has been done to help the many individuals who currently owe student debt, particularly private debt,…

Getting an appointment with Secretary of Education Arne Duncan is challenging, and it's also a challenge to put Duncan in an ideological box. Though he champions education reforms favored by Republicans such as charter schools and teacher merit pay, his opposition to school vouchers and his solid working relationship with teachers unions keep him…