This white paper analyzes the potential effects of requiring income-driven repayment for all federal loans as well as relying on paycheck withholding for loan payments, with particular attention to the implications for low-income students and families. The Institute for College Access & Success (TICAS) also examines the relevance and evolution…

Critics say that for-profit career colleges--which, according to industry figures, enrolled 3.2 million students in the United States in 2009--have been plagued by deceptive recruiting practices that lure students into programs they could find elsewhere for much less money. Students often borrow tens of thousands of dollars to attend these…

It is a difficulty problem to choice repayment patterns of student loan. "Conventional mortgage-type loan" and "Income contingent loan" has been performed in many countries. These loan repayment manners have their own characteristics. In this paper, we discuss their advantages and disadvantages, and would provide policy choice…

The harsh reality of debt among college-aged students is a growing problem. According to the Center for Economic and Entrepreneurial Literacy, 54 percent of college student respondents had overdrawn their bank account and 81 percent underestimated the time it would take to pay off a credit card balance by a large margin. In a climate where even…

"American Student Assistance" has a unique window onto students during some very important milestones in their formative financial years. This nonprofit interacts with students from the time they're choosing a college, to applying for financial aid and loans, to starting a first job, getting that first apartment, making that dreaded…

The benefits of deferring the payment of higher-education costs are increasingly acknowledged as a way to overcome student-borrowing constraints. Since higher education is a risky investment and students are generally risk averse, the repayment arrangements proposed in the literature frequently include some insurance. In a competitive environment,…

Student financial aid--including grants and loans--plays a key role in supporting students' access to and success in college. Yet, despite periodic increases in grant funding, students and their families have increasingly relied on borrowing to cover more of the costs of higher education. As the number of student borrowers has increased and their…

It is commonly asserted, especially by people within higher education, that the American Ivory Tower is strapped for cash and tightfisted taxpayers are to blame. Taxpayer support for postsecondary education has long been in decline, this narrative goes, and has forced schools to continually raise tuition to make up for the losses. Tallying…

This qualitative research explores women's experiences of accessing higher education (HE) in England, through the mother-daughter relationship. Women's pathways to university and their funding histories are presented from both past and recent generations, to contextualise an understanding of funding HE in light of the 2012 tuition fee increase.…

Nearly 50 years after the landmark legislation aimed to open higher education to all Americans, colleges and students face a new set of threats. The Higher Education Act of 1965 (HEA) was signed into law on Nov. 8, 1965 to strengthen the educational resources of colleges and universities and to provide financial assistance for students in…

This report serves as a comprehensive resource of accurate and timely indicators of higher education performance in Minnesota. This report provides historical and national comparisons to contextualize state data. "Minnesota Measures" also offers Minnesota postsecondary peer institution comparisons. As possible, indicators are…

The New Mexico Higher Education Department strives to bring leadership, guidance, and assistance to New Mexico's higher education stakeholders. The HED is committed to promoting best practices, institutional fiscal responsibility, and student achievement. Everything the agency does is through the lens of supporting New Mexico's higher education…

The end of the fiscal year usually isn't a momentous occasion for colleges. But this June 30 could be a day of reckoning many never expected. Colleges borrowed billions of dollars over the past decade to improve facilities and fulfill their ambitions. Now the consequences may be about to blow up in their finances. The author reports on how…

The New Mexico Higher Education Department (HED) and higher education institutions (HEIs) have set long-term statewide goals to increase 4-year graduation rates, improve transfer and articulation, and improve remedial education outcomes. HED is pursuing these goals through the following initiatives: (1) Statewide common course numbering and…

In a speech before a group of career-college executives and lobbyists, freshman Representative Jason Altmire hinted that he would look out for the sector's interests in a coming conference between the House of Representatives and the Senate on legislation to reauthorize the Higher Education Act. Referring to a provision in the bill that would…