Educational loan limits for graduate and professional students were estimated to provide manageable repayments that were a proportion of the borrowers' future consumption budget data. Based on each professional group's income profile, loan repayments were computed for each year of repayment and summed across alternative repayment periods to arrive…

Based on a survey of former California State University students who repaid (224) or defaulted on (128) loans, an analysis found high levels of significance in postsecondary outcome variables (graduation, employment and income patterns), institutional practices and characteristics, student background characteristics, and understanding of rights…

During spring 2001, Noel-Levitz created a student loan default model for the University of Texas at Austin (UT Austin). The goal of this project was to identify students most likely to default, to identify as risk elements those characteristics that contributed to student loan default, and to use these risk elements to plan and implement targeted,…

This exploratory study examines the factors that college students perceive are important in helping them make good financial decisions about paying for a college education. The study categorizes and summarizes students' self-reported responses to an open-ended survey question about recommendations for changes in financial aid counseling practices.…

In 1983, the Washington State Legislature passed a bill providing incentive loans for students to become mathematics and science teachers. This report describes the employment status of loan recipients who completed teacher preparation programs as of November, 1987. Responses to the survey questionnaire from 199 teachers provided answers to the…

This paper describes survey results on the attitudes of Minnesota teachers toward their careers in general as well as data on the attitudes of teachers and principals toward alternative teaching roles being discussed nationally. This report also reviews survey data on the attitudes of teachers and principals toward the value and implementation of…

The status of the U.S. Office of Education-sponsored National Direct Student Loan funds at 19 selected postsecondary schools was reviewed. Enabling legislation intended that schools attain a revolving fund status but each school differs in its ability to do this because different loan collection procedures are used. Legislation requires schools to…

The 1985 Recent College Graduates Survey, conducted by the U.S. Department of Education's Center for Education Statistics, was studied to determine who is borrowing from student loan programs, and how the borrowing varies by race/ethnicity, major field of study, and amount of debt. (MLW)

This report discusses problems reported by lenders participating in the Federal Direct Loan Program (FDLP) and the Federal Family Education Loan Program (FFELP). The study examined the nature and the source of the problems experienced by the lenders, how they affected lenders, and what steps the Department of Education and Electronic Data Systems…

Default on guaranteed student loans has been increasing. The use of discriminant analysis as a technique to identify "good" v "bad" student loans based on information available from the loan application is discussed. Research to test the ability of models to such predictions is reported. (Author/MLW)

A survey of 437 pediatricians graduating in 1981-87 found that men and whites were significantly more likely to have trained in subspecialties rather than chosen primary care practice, as were earlier graduates. Type of medical school attended and level of educational debt were not significantly related. (Author/MSE)

In a Texas study of vocational education student loan repayment attitudes, interviews with loan recipients indicate defaults are affected by how much students are pressured to enroll in a program, their understanding of the loan program when signing an application, and how well their vocational education equips them for employment. (Author/MSE)

State-sponsored programs that seek to attract college students to teaching by paying off a portion of their student loans for each year they teach are reviewed and discussed. (MSE)

Surveys of graduating students (n=336 and 917, respectively) at four lower-cost and five higher-cost law schools examined effects of various levels of student debt burden on career plans. High debt amounts were slightly related to taking a job in large private law firms. Debt burdens of one in five or six students was judged to be too high. (DB)

Analysis of National Postsecondary Student Aid Study data for 11,000 students in loan programs at 1,400 institutions found borrowers with similar earned degrees, marital status, number of dependent children, showed similar levels of income/loan default, regardless of racial/ethnic group. Findings dispute national policy and suggest that campuses…