Individual Development Accounts (IDAs), originally chartered under the federal Assets for Independence (AFI) Act in 1998, may provide an opportunity for increasing access to postsecondary education for low-income youth and adults by providing funds through a mix of their own savings and federal and private funds. However, many IDA savers and IDA…

In recognition of national African-American History Month, the Institute for Higher Education Policy wishes to highlight the trends and present-day experiences of African-American college students. Recognizing that the society benefits tremendously from an educated citizenry, there must be a renewed commitment to ensuring educational opportunity,…

This paper discusses what federal student aid is and how to apply for it. It also provides a list of federal student aid programs for 2011-12. Federal student aid comes from the federal government--specifically, the U.S. Department of Education. It's money that helps a student pay for education expenses at a postsecondary school (e.g., college,…

This paper offers a comprehensive description of the academic and social support systems for low-income, first-generation students attending a major four-year, for-profit, multi-campus university. College retention and success research has determined that effective support services succeed in retaining and graduating low-income, first-generation…

The Commission adopted two affordability reports in 2008. One report examined costs for students at a four-year public university who live on campus. The other examined costs for students living in their parent's home while studying at a community college. Costs were compared to trends in family income over the past 30 years. The resulting report…

This grounded theory study investigates adult student persistence at a community college. Student persistence in college is a prerequisite for degree achievement, which correlates with higher earnings and overall better quality of life. Persistence rates remain low for adult students, who combine their college endeavors with responsibilities to…

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…

With the tuition cost of traditional colleges and universities soaring and education technology advancing, online courses and degree programs are becoming more common. Some critics argue that an online degree cannot provide all the important features of a traditional college education, from extracurricular activities to new professional networks,…

This qualitative study shares the complex stories of two low-income business students who attend a flagship, public university as out-of-state students with the purpose of understanding, describing, giving voice to, and discovering insight from their experiences. Throughout U.S. Higher Education history, there is a pattern of limited participation…

Financing college is increasingly difficult for many college students and it can be especially difficult for low-income students. Using data from the Gates Millennium Scholarship Program, this study provides a portrait of the 1st and 3rd year experiences of a sample of both high achieving Hispanic scholarship recipients and non-recipients.…

Loans are a central component of college finance, yet research has generated a dearth of strong evidence of their effect on student choices. This article examines challenges to causal modeling regarding the effects of borrowing and the prospects of indebtedness on students' college-going behaviors. Statistical estimates of causal effects are…

Minority-Serving Institutions are colleges that enroll a high percentage of minority students. Because minority populations have experienced disproportionate barriers to higher education, the federal government provides them with financial support through various titles of the Higher Education Act. MSIs include Historically Black Colleges and…

As college enrollments continue to increase, the disparity between middle-income white students and low-income students of color enrolling in private higher educational institutions continues to widen. Previous research has identified barriers such as access and equity in education, the high cost of education, and limited knowledge regarding…

Community colleges play an important role in bachelor's degree attainment, especially for the most economically vulnerable students. However, the community college pathway to a bachelor's degree is not as strong as that of students who begin at a four-year institution. Strengthening this pathway is a necessary means to improving America's ability…

The federal and state governments are placing greater emphasis on postsecondary attainment while concerns about rising college costs for students and families surge. Both groups are calling on institutions to do more to help improve student access and achievement rates. Further, recent research and policy have put pressure on institutions to admit…