This study addressed the question of whether student loan repayment and default behaviors are more highly related to the characteristics of the college attended or to the characteristics of the aid recipient. The model for the study was based on theories of human capital and public subsidy, ability to pay perspectives, organizational…

An annual assembly of a panel of experts from the public and private sectors assessed specific foreign policy issues and recommended future direction. The oneset of the debt crisis in 1982 generated fears regarding the future of democracy in Latin America. The focus on the assembled experts was on the role of external pressures and the impact of…

In response to the requirements of the Higher Education Amendments of 1986, this report addresses the impact of the two-year-old Student Loan Consolidation Program. Principle findings of the investigation concern the higher interst costs to the borrower that are brought about by longer payment plans and the fact that the government's subsidy costs…

This brief statement offers 10 questions for consideration by American Dental Association (ADA) officials and others concerned with the burdensome indebtedness graduates often incur for their dental education. Questions ask for assessments in such areas as school operating costs, tuition, school support, loan forgiveness, and how the ADA can help…

The Ontario Student Loan Program has experienced problems with default on student loans, as have loan systems in other countries where governments rely mainly on banks and special departments of quasi-public institutions to monitor or police the borrowers. This report discusses the need for radical modifications of the student loan program to…

As part of a larger program to identify and analyze federal programs at high risk for waste, fraud, abuse and mismanagement, this publication presents an evaluation of the Federal Family Education Loan Program (FFELP), formerly the Guaranteed Student Loan Program. The analysis argues that the program has not been successful in protecting the…

This report to Congress analyzes student loan default rates at historically black colleges and universities (HBCUs), focusing on student characteristics which may predict the likelihood of default. The study examined available student databases for characteristics identified by previous studies as related to level of student loan defaults. Among…

This report on student indebtedness is based primarily on a current study which is measuring the average Stafford loan balance facing students, as well as indicators of payment stress. The study is based on data on about 325,000 loans from the USA Group's entire loan servicing portfolio, which includes both subsidized and unsubsidized Stafford…

This document presents federal student loan cohort default rates for postsecondary institutions, including two- and four-year colleges, universities, church-affiliated schools, historically black colleges and universities, tribally controlled schools, and proprietary vocational schools. Each listing, sorted alphabetically by school name, contains…

This document presents federal student loan cohort default rates for postsecondary institutions including, two- and four-year colleges, universities, church-affiliated schools, historically black colleges and universities, tribally controlled schools, and proprietary vocational schools. Each listing, sorted by Office of Postsecondary Education…

This collection of tables is a compilation of 1998 default rates of institutions of higher education participating in the federal Perkins Loan program and is based on the cohort of borrowers who entered repayment status in the 1996-97 reporting period. Data are presented by state and by individual institution and include: (1) number of borrowers…

This collection of tables is a compilation of 1998 school cohort default rates for fiscal years(FY) 1995, 1996, and 1997 for all schools that are currently participating in any Title IV student financial assistance program. Schools are listed by state in descending order by cohort default rate. Foreign schools are listed following the state…

This survey concludes that, overall, student debt has not caused most borrowers to make lifestyles changes nor regret their educational investment. Discussion analyzes borrower debt levels; payment-to-income and debt-to-income ratios; noneducation debt burden; student perceptions about borrowing and debt; effect of borrowing on decision making;…

This report examines the four program activities that account for two-thirds of delinquent debt owed to the Federal government: the Department of Education's Federal Family Education Loan Program (FFELP) with $20 billion and the housing programs of the Departments of Housing and Urban Development (HUD), Veterans Affairs (VA), and Agriculture that…

This study reviews the financial soundness of the Perkins Loan Program, a federal program that provides low-interest loans to financially needy students through postsecondary institutions, and identifies ways to make the Perkins program less financially dependent on additional federal appropriations to cover operating costs and default losses.…