The discourse on cost of attendance (COA) at American colleges and universities is ambiguous and complex. The literature around COA labels it as the 'sticker price' to attend college but categorization in this manner often negates the true application and meaning of this term. COA also accounts for living allowances (or indirect costs) to help…

Institutions of higher education have increasingly needed to balance college affordability with their own financial sustainability. There is a growing need for financial innovation and few examples within higher education for adoption of innovation frameworks. This qualitative dissertation examines phases of adoption of income share agreements…

As students pursue undergraduate degrees, many are challenged with paying for college. Costs include direct charges for tuition, fees, books, room and board, and meal plans, as well as indirect costs such as transportation, utilities, insurance, cell phone, internet, and more. Many students borrow loans to cover these costs, but their…

Many students enroll in college without proper preparation. Although they may demonstrate they are prepared academically, students who lack the knowledge and awareness of the higher education environment might not succeed in their first year. Although there are standardized exams to evaluate academic preparedness, there are few assessments that…

With student debt exceeding $1.5 trillion in 2018, institutions of higher education face increased pressure to improve college affordability. In response, a small but growing number of institutions have implemented income share agreements (ISAs) as an alternative way to help students pay for all, or a portion of, their college tuition. In an ISA…

Student loan debt continues to grow at a rapid pace (Scott-Clayton, 2018). The total debt burden for each student graduating from college is over $35,000, and that number is likely to gradually rise as tuition costs and fees at institutions of higher education increase (Friedman, 2018). The problem is not that students accrue debt but rather the…

The U.S. community college is a unique American enterprise in that it is not a national model, but varies by state and locality. Each state created community colleges to support students who had limited or now access to higher education. Per the data collected from 12 community colleges, international students were full-time students, very engaged…

The purpose of this mixed-methods study is to investigate the perceptions that students have about the academic and financial aspects of college, the reality they experience during their first year of college enrollment, and how, if at all, they handle any misperceptions they may have had over the course of their first year. Data (three surveys,…

The purpose of this study was to explore the ways in which prospective first-generation students from middle-income families make decisions about attending college. I sought to discover the following: (1) what influenced students' decisions, and how the students felt about these influences; (2) how students interpreted the importance of going to…