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Download full textZota, Rita R.; Hegji, Alexandra; Shohfi, Kyle D. – Congressional Research Service, 2023
Income-driven repayment (IDR) plans are a subset of student loan repayment plans that cap a borrower's monthly payment at a percentage of their discretionary income, which is defined as a portion of a borrower's adjusted gross income (AGI) that exceeds a specified multiple of the federal poverty line (FPL) for the borrower's family size. A…
Descriptors: Federal Programs, Student Loan Programs, Federal Aid, Loan Repayment
Hegji, Alexandra – Congressional Research Service, 2023
The William D. Ford Federal Direct Loan (Direct Loan) program is the single largest source of federal financial assistance to support students' postsecondary educational pursuits. The U.S. Department of Education estimates that in FY2024, $85.8 billion in new loans will be made through the program. As of the end of the first quarter of FY2023,…
Descriptors: Student Loan Programs, Federal Aid, Federal Legislation, Debt (Financial)
Hegji, Alexandra – Congressional Research Service, 2022
Title IV of the Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: the William D. Ford Federal Direct Loan (Direct Loan) program, the Federal Family Education Loan (FFEL) program, and the Federal Perkins Loan program. While new loans are currently authorized to be made only…
Descriptors: Federal Aid, Student Loan Programs, Federal Legislation, Debt (Financial)
Hegji, Alexandra – Congressional Research Service, 2022
Title IV of the Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: the William D. Ford Federal Direct Loan (Direct Loan) program, the Federal Family Education Loan (FFEL) program, and the Federal Perkins Loan program. This report provides an overview of student loan…
Descriptors: Federal Aid, Student Loan Programs, Federal Legislation, Debt (Financial)
Hegji, Alexandra – Congressional Research Service, 2023
Title IV of the Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: the William D. Ford Federal Direct Loan (Direct Loan) program, the Federal Family Education Loan (FFEL) program, and the Federal Perkins Loan program. While new loans are currently authorized to be made only…
Descriptors: Student Loan Programs, Debt (Financial), Federal Programs, COVID-19
Liu, Edward C.; Stiff, Sean M. – Congressional Research Service, 2023
In August 2022, the U.S Department of Education (ED) announced it would invoke the Higher Education Relief Opportunities for Students Act of 2003 (HEROES Act) to cancel up to $20,000 of federal student loan debts for borrowers who fell below certain income thresholds. The HEROES Act authorizes the Secretary to "waive or modify" statutory…
Descriptors: Student Loan Programs, Loan Repayment, Federal Legislation, Debt (Financial)
Hegji, Alexandra; Shohfi, Kyle D.; Zota, Rita R. – Congressional Research Service, 2022
Outstanding federal student loan debt exceeds $1.6 trillion and is owed by approximately 45 million borrowers. Thus, a policy to broadly cancel federal student loan debt would directly apply to a discrete segment of the U.S. population. Cancelling some amount of federal student loan debt would alleviate loan repayment burdens for qualifying…
Descriptors: Federal Legislation, Student Loan Programs, Student Financial Aid, Debt (Financial)
Jeffrey J. Kuenzi – Congressional Research Service, 2024
The K-12 teacher workforce is relatively large--each year, nearly 4 million teachers are employed in U.S. elementary and secondary schools. Turnover in these schools is high relative to earlier periods--16% of teachers left their school in the 2021-2022 academic year. In addition, there is evidence that teacher quality standards have been lowered…
Descriptors: Elementary Secondary Education, Labor Turnover, Teacher Persistence, Teacher Recruitment
Hegji, Alexandra – Congressional Research Service, 2021
The Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: (1) the William D. Ford Federal Direct Loan (Direct Loan) program; (2) the Federal Family Education Loan (FFEL) program; and (3) the Federal Perkins Loan program. While new loans are currently authorized to be made only…
Descriptors: Student Loan Programs, Loan Repayment, Federal Aid, Federal Programs
Crandall-Hollick, Margot L.; McDermott, Brendan – Congressional Research Service, 2022
Since 1997, education tax benefits have become an increasingly important component of federal higher education policy. For 2023, 11 higher education-related tax benefits are available. After 2025, absent legislative action, this number will effectively increase to 13. Two provisions that are temporarily suspended are scheduled to be…
Descriptors: Higher Education, Tax Credits, Federal Aid, Incentives
Crandall-Hollick, Margot L. – Congressional Research Service, 2021
The federal government provides financial assistance to individuals for higher education expenses in two major ways: tax benefits and traditional student aid (loans, grants, and work-study assistance). Since 1997, education tax benefits have become an increasingly important component of federal higher education policy. In 2021, 11 higher…
Descriptors: Higher Education, Tax Credits, Federal Aid, Incentives
Scott, Andrew P.; Jones, Katie; Smole, David P.; Labonte, Marc; Aussenberg, Randy Alison; Lewis, Kevin M.; Billings, Kara Clifford; Lindsay, Bruce R.; Boyle, Conor F.; Lowry, Sean; Colello, Kirsten J.; Lynch, Karen E.; Crandall-Hollick, Margot L.; Marples, Donald J.; Davis, Patricia A.; McCarty, Maggie; Dilger, Robert Jay; Mitchell, Alison; Dortch, Cassandria; Myers, Elizabeth A.; Driessen, Grant A.; Perkins, David W.; Fernandes-Alcantara, Adrienne L.; Perl, Libby; Fernandez, Bernadette; Peterman, David Randall; Forsberg, Vanessa C.; Rosso, Ryan J.; Fountain, Joselynn H.; Sherlock, Molly F.; Gravell, Jane G.; Skinner, Rebecca R.; Hahn, Jim; Stoltzfus, Emilie; Halchin, L. Elaine; Tang, Rachel Y.; Hegji, Alexandra; Topoleski, John J.; Isaacs, Katelin P.; Whittaker, Julie M. – Congressional Research Service, 2021
Since March 2020, a number of laws have been enacted to provide relief to people and businesses affected by the COVID-19 pandemic. These include the Families First Coronavirus Response Act (FFCRA; P.L. 116-127) and the Coronavirus Aid, Relief, and Economic Security Act (CARES Act; P.L. 116-136), both enacted in March 2020; the Consolidated…
Descriptors: COVID-19, Federal Legislation, Federal Aid, Pandemics
Collins, Benjamin; Fountain, Joselynn H.; Ball, Milan N.; Dortch, Cassandria – Congressional Research Service, 2020
In December 2019, Congress enacted and the President signed the Fostering Undergraduate Talent by Unlocking Resources for Education Act (FUTURE Act; P.L. 116-91). The law The law amends the Higher Education Act (HEA) to permanently authorize mandatory funding for grant programs to support HBCUs and MSIs. Authorization for this funding had expired…
Descriptors: Federal Legislation, Higher Education, Educational Legislation, Undergraduate Students
Lewis, Kevin M. – Congressional Research Service, 2019
As overall student loan indebtedness in the United States has increased over the years, many borrowers have found themselves unable to repay their student loans. Ordinarily, declaring bankruptcy is a means by which a debtor may discharge--that is, obtain relief from--debts he is unable to repay. However, Congress, based upon its determination that…
Descriptors: Student Loan Programs, Debt (Financial), Loan Default, Federal Legislation
Hegji, Alexandra – Congressional Research Service, 2020
In academic year (AY) 2018-2019, approximately 6,400 institutions of higher education (IHEs), enrolling about 26.5 million postsecondary education students, participated in the federal student aid programs authorized under Title IV of the Higher Education Act of 1965 (HEA; P.L. 89-329, as amended). These IHEs ranged in sector, size, and…
Descriptors: School Closing, Colleges, College Students, Loan Repayment
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