Over the past 30 years, a shift occurred in higher education that saw more of the burden for paying for postsecondary education placed on students. Combined with rising tuition and fees, this has led students to take on increasing amounts of student debt. Despite the historic rise in student loans, surprisingly little attention has focused on…

The purpose of this dissertation was to understand the financial aid personnel's perspective on the impacts of middle-income student loan borrowing. Student loan borrowing is a concern for many due to the current debt reaching extraordinary amounts. This research explored the impacts specifically on middle-income students as opposed to low- or…

The goal of this study is to compare the likelihood of student loan default by students from a Midwest public university amongst a variety of variables. A dataset was acquired from an institution in the Midwest. A logistic regression was run to determine the predictive value of several identifiers on student loan default amongst several race…

With the costs of higher education increasing, the need to search for alternative ways to fund these expenses has also increased. While grants, scholarships, personal savings, and financial assistance from parents, may be effective for some, this is not the case for all students as some are inclined to use student loans to fund their higher…

Community colleges serve more than a significant proportion of Americans who could not otherwise attend colleges by providing access to fulfill their educational goals. Many of the students enrolled in the institutions look to the federal government to finance their educational expenses by obtaining federally guaranteed student loans. The…

In the 21st century, more students enroll in higher education and take federal loans to defer the cost of attendance resulting in average levels of borrowing steadily increasing. In the same timeframe, there is an increase in the number of students entering repayment for their federal loans and an increase in the proportion of individuals…

With the cost of student debt surpassing credit card debt, those students who default on their student loans are not only affected but the colleges and universities they attended are affected as well. The purpose of this study is to compare default rates before and after the amendment to the Higher Education Act of 2008. This study will identify…

Student loan debt and institutional student loan cohort default rates (CDR) have been one of the main topics of interest in colleges and universities in the most recent years and the impact of CDR's have played a major role in the strategic planning efforts by higher education administrators. The costs for tuition, fees, room and board for…

The rate of default on college loans in the United States is staggering and poses a major financial threat not only to the students who are unable to repay their student loans but the U.S. economy. For instance, in 2011, borrowers at nonprofit and for-profit 4-year colleges accounted for almost 50% of all federal loan recipients. College students…

Postsecondary education (PE) is vital to meet the needs of the changing economy. The cost to attend PE continues to increase, which has elevated student loans. The ratio of debt to potential future income should be a factor considered when choosing to pursue PE. Bakersfield College (BC) and California State University, Bakersfield (CSUB) are both…

The costs associated with attending a community college have increased over the years, not unlike most sectors within higher education (Mitchell & Leachman, 2015). As such, community college students often find borrowing student loans a necessity in order to seek the academic credential they intend (McKinney & Backscheider Burridge, 2015).…

Public Law 105-244 of the 1998 Higher Education Act Amendments established that proprietary institutions must derive at least 90% (the "90/10 rule") of their revenue from sources other than federal student aid (Title IV funding). Schools that violate the 90/10 rule for 2 consecutive years lose access to Title IV funding (U.S. Department…

For the institution and its regional campuses under review, the amount of outstanding student liabilities (i.e., monies owed by the student to the institution for educational-related expenditures not satisfied by the end of the term) grew at an alarming rate between 2000 and 2014, with some of the institution's regional campuses experiencing over…

Default management practices and their relationship to the student loan default rate in public two-year community colleges was the focus of this investigation. Five research questions regarding written default management plans, default management practices, process management, accountability, and other factors impacting default guided the study.…

The U.S. public research university performance narrative is dominated by "access, affordability, and accountability" rhetoric (National Science Foundation, 2012), while public policy advocacy is weakened (Basken, 2012), and presidents become increasingly transitory (Monks, 2012). The purpose of this study was to explore if presidential…