Loans have become an important, even essential, ingredient of college financial aid and family financial planning. The World Bank and other international groups, such as the Organization for Economic Cooperation and Development, regularly review the experiences of many countries in financing education. Their findings are discussed. (MLW)

Forces threatening the fundamental principles and practices of student financial aid are examined, and some advice to the profession is offered. A large dedicated profession has emerged that is skilled at bringing together students, colleges, and resources. (MLW)