Increasingly, college graduation is seen as a necessary step toward achieving the American Dream. However, large disparities exist in graduation rates. For many families, the current family income is not enough to finance college. Therefore, many young adults have to rely on education loans, which may be difficult to repay, leaving them strapped…

The process of borrowing money can be intimidating to some people. Many feel at the mercy of a loan officer and just accept terms and amounts at face value. A graphing calculator, or spreadsheet, with appropriate knowledge of how to use it, can be an empowering tool to help create a more equitable situation or circumstance. Given the proper…

2008 has been a tumultuous year in the financial world, culminating in scandals and bailouts. In 2009, the author asserts, people can probably expect not only more financial upheaval, but also further attempts by state and local governments to stem the all-but-fated turmoil. But in all the talk of bailouts, of embattled homeowners, and the…

In 2002 the student finance system in Norway went through a major restructuring. The changes included an increase in student support and an introduction of progression-dependent grants. Using two student welfare surveys conducted in 1998 and 2005, the paper analyses the effect of the changes on the students. The analysis compares the risk of study…

This qualitative research explores women's experiences of accessing higher education (HE) in England, through the mother-daughter relationship. Women's pathways to university and their funding histories are presented from both past and recent generations, to contextualise an understanding of funding HE in light of the 2012 tuition fee increase.…

Nearly 50 years after the landmark legislation aimed to open higher education to all Americans, colleges and students face a new set of threats. The Higher Education Act of 1965 (HEA) was signed into law on Nov. 8, 1965 to strengthen the educational resources of colleges and universities and to provide financial assistance for students in…

This article examines national employment and program trends in the nursing profession, the nursing shortage in Iowa, and state policy and community college responses in Iowa. During the seven-year period 2001-2008, two Iowa governors convened special task forces to study the nursing shortage and to make recommendations. The policy responses dealt…

Students are taking on more college debt in this struggling economy, often without the knowledge to make wise choices. To help students better manage their debt, some college campuses and high schools are ramping up their financial-literacy efforts, where experts say such education should begin. But a squeeze on K-12 resources has hampered the…

Cross-sectional data reveal alarming financial situations among 2009 MSW graduates from 25 states and their loan decisions (N=260). More than a quarter of the participants owe at least $40,000 in educational loans from their MSW degree, and 30% borrowed at least $30,000 of their total college education debt. Expensive credit cards are used more…

The end of the fiscal year usually isn't a momentous occasion for colleges. But this June 30 could be a day of reckoning many never expected. Colleges borrowed billions of dollars over the past decade to improve facilities and fulfill their ambitions. Now the consequences may be about to blow up in their finances. The author reports on how…

While student loans provide college opportunity for many, undergraduate student debt resulting from typical and heavy borrowing hinders future investments in human capital. Propensity score matching analysis of the NSF's 2003 National Survey of Recent College Graduates demonstrates that debt negatively affects the graduate school enrollment of…

In a speech before a group of career-college executives and lobbyists, freshman Representative Jason Altmire hinted that he would look out for the sector's interests in a coming conference between the House of Representatives and the Senate on legislation to reauthorize the Higher Education Act. Referring to a provision in the bill that would…

As he begins retirement this month after 40 years of federal service, the Education Department's departing inspector general, John P. Higgins Jr., sees one area that stands out for its susceptibility to costly waste and abuse. That area, Higgins said in an interview as he finished packing up his office, is student lending. Unless Congress greatly…

The relatively short repayment periods of four or six years after graduation under the Government-Subsidized Student Loan (GSSL), the main student loans programme in China, has, since its implementation in 1999, imposed considerable hardship in repaying loans. This paper presents a new diversified repayment model, the "geometric proportion…

The demands of society and constraints on resources will require change in the financing models states use to fund their higher education enterprises. Models built on the priorities of student access and institutional growth will no longer suffice. Those based on student success and productivity increases consistent with getting more entering…