Administrative burden, or the frictions individuals experience in accessing public programs, has implications for whether and which eligible individuals receive aid. While prior research documents barriers to accessing federal financial aid, less is known about the extent to which state aid programs impose administrative burden, how administrative…

As college promise programs proliferate across the United States with noted intentions to promote access through increased affordability, it is necessary to understand the relationship between these programs and other forms of financial aid, including loans. Using federal, state, and program-level data, we leverage a natural experiment to estimate…

In response to the high cost of textbooks and other course materials, "Inclusive Access" automatic billing programs allow the cost of a discounted eTextbook and/or courseware to be automatically added to a student's tuition bill at the time of course registration. Touted for their ability to lower costs and provide students with access…

The purpose of this survey research was to identify spending, purchase behaviors, and points of impact for course material costs on academic decisions and the ability of students at Tennessee community colleges to progress to graduation. The survey also addressed the extent to which required materials were being used in the classroom. 1,912…

Affordability is considered a key predictor of college enrollment and academic success, yet higher education costs continue to rise. Over the past three decades, textbooks and course materials alone have increased almost three times the rate of inflation (U.S. Bureau of Labor Statistics, 2016). To identify the extent to which course material costs…

As college promise programs proliferate across the United States with noted intentions to promote access through increased affordability, it is necessary to understand the relationship between these programs and other forms of financial aid, including loans. Using federal, state, and program-level data, we leverage a natural experiment to estimate…

The notion of free college is appealing to students and families, particularly those who struggle to manage climbing college prices. The promise of "free" can encourage low-income or first-generation students to enroll in college when the fear of high prices may deter them otherwise. But what does "free" actually mean? Who…

Tennessee is at the vanguard of the free-college movement. Launched in 2015, Tennessee Promise makes technical and community colleges tuition-free for recent high school graduates in the state. With the addition of Tennessee Reconnect in 2018, adult students can attend tuition-free as well. The efforts of the state's leadership, especially its…

Since its launch in September 2015, Heads Up America has collected information on nearly 125 promise programs across the country, many of which were instituted long before President Barack Obama announced the America's College Promise (ACP) plan in 2015. At least 27 new free community college programs have launched in states, communities, and at…

College is getting harder to afford every year. Debt mounts and jobs, especially in certain industries, don't necessarily provide the financial return they once did. It should come as no surprise to administrators that students and families are feeling the pinch. Rather than ignore the problem, higher education leaders, policymakers, and others…

Although prior research has suggested that some students may be averse to taking out loans to finance their college education, there is little empirical evidence showing the extent to which loan aversion exists or how it affects different populations of students. This study provides the first large-scale quantitative evidence of levels of loan…

A number of states have adopted, considered or proposed legislation creating promise programs. These proposals often are viewed as cost-effective strategies to encourage or promote postsecondary enrollment and improve attainment of credentials of value. For our purpose, credentials of value refer to certificates, associate degrees, bachelor's…

Student loans are a crucial aspect of financing a college education for millions of Americans, yet we have surprisingly little empirical evidence concerning individuals' unwillingness to borrow money for educational purposes. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using…

Many states are experimenting with mechanisms for making college more affordable while maintaining quality and access. This report examines promising or innovative state programs to improve college affordability and credential attainment. Many of these approaches show innovative thinking and bear watching to see if they result in meaningful…

At a time of sustained unemployment and sluggish job growth, students and policymakers are increasingly asking tough questions about postsecondary education and training outcomes. Do graduates find jobs? What are they paid? What will they earn in the future? Despite growing national interest in this information, good answers are not widely…