This paper is a numerical exploration of the following. Assume, in the European Union context, that decision-makers want to spend more on higher education via higher tuition fees, but also want payments to be deferred and income-contingent. There are several possible ways to achieve this. First, ask graduates to repay a fixed amount each year if…

This report, "State Tuition, Fees, and Financial Assistance Policies for Public Colleges and Universities: 2010-11", examines the philosophies, policies, and procedures that influence decision-making regarding public college and university tuition, student fees, and student financial aid programs. This report also provides information…

This article reviews the implementation of the student loan scheme in China, based on results of the national survey of 100,000 student loan recipients in 2007. By calculating student expenditure on campus, analysing factors which affect family economic status and also considering the possible family contribution, the gap between students' needs…

Although the use of loans to finance postsecondary educational expenses seems commonplace, the emphasis of the U.S. financial aid system on loans may limit college opportunity for individuals who are unwilling or unable to incur this type of debt. This study uses data from descriptive case studies of 15 high schools to examine four guiding…

The Postsecondary Education Commission is currently examining the question of affordability at California's colleges and universities. It is a pivotal issue that is being debated both within and outside the higher education community. Clearly, the ability of students and families to finance a higher education is becoming a critical issue. This…

In the early 2000s, a highly selective university introduced a "no-loans" policy under which the loan component of financial aid awards was replaced with grants. We use this natural experiment to identify the causal effect of student debt on employment outcomes. In the standard life-cycle model, young people make optimal educational investment…

The credit market in the United States currently suffers from a rare and serious disruption. Once flowing with liquidity, the creativity and vibrancy of these markets helped fuel an economy that had been the envy of the world. Poor repayment performance in the subprime mortgage market has now reduced the availability of funds needed for other…

This project studied four career college and school campuses in Texas that had higher than average graduation rates and lower than average student loan default rates to determine what they did to achieve these positive outcomes. The visits to the campuses found that a conscious, concerted effort to integrate students into the academic and social…

The 1998 Amendments of the Higher Education Act require the U.S. Department of Education and the General Accounting Office to identify no fewer than 3 different market mechanisms for use in determining lender return on student loans while continuing to meet the other objectives of the Federal Student Loan Program. This report is the final report…

Unless legislative or judicial action is taken, the current high volume of student loans will likely encourage frequent utilization of Chapter 13 of the Bankruptcy Reform Act of 1978 for unintended purposes. (Author/IRT)

Pressure is growing for Congress to overhaul the student loan consolidation program which has allowed borrowers to lock in low interest rates over the loan life. Lenders and student groups are in opposition over the program; colleges are tending to take a neutral stance. (SLD)

This study aimed to identify the pathways, intentions and relevant perceptions of (non-UK) European Union (EU) students entering English higher education. It sought to identify why students wished to obtain an English HE qualification, their attitudes towards the uptake and repayment of tuition fee loans and their future career plans. Drawing on…

This document supports the Cost Allocation Plan for state costs incurred on behalf of, and in benefit to, the public higher education institutions of Ohio. Tables report a summary of recalled/refunded debt and initial adjustment of Fiscal Year 2006 interest payments fore refunded debt. Attached schedules calculate the allocable interest for each…

America's financial aid system provides too much taxpayer support to banks making college loans, demands too little of students assuming them, and burdens families with too much debt. The system fails to reward rigorous college-preparatory work in high school and penalizes students who hold jobs while in college. Lenders make extraordinary…

This guide explains in a question-and-answer format the Federal Direct Consolidation Loan Program, which is part of the William D. Ford Federal Direct Loan Program and is designed to help students and parents manage and repay money borrowed for postsecondary education, usually with just one monthly payment. Advantages of a Direct Consolidation…