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Zota, Rita R.; Hegji, Alexandra; Shohfi, Kyle D. – Congressional Research Service, 2023
Income-driven repayment (IDR) plans are a subset of student loan repayment plans that cap a borrower's monthly payment at a percentage of their discretionary income, which is defined as a portion of a borrower's adjusted gross income (AGI) that exceeds a specified multiple of the federal poverty line (FPL) for the borrower's family size. A…
Descriptors: Federal Programs, Student Loan Programs, Federal Aid, Loan Repayment
Cheryl E. Clark; Melissa Emrey-Arras; Robert F. Dacey – US Government Accountability Office, 2024
Over the last 3 decades, the Direct Loan program has grown in size and complexity, with over $1.3 trillion in outstanding loans as of September 2023. This program provides financial assistance to help students and their parents pay for postsecondary education. The Government Accountability Office (GAO) was asked to review issues related to…
Descriptors: Student Financial Aid, Risk, Costs, Guidance
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Anita Manion – Higher Education Policy, 2024
This study seeks to assess whether self-interest influences support for two policies to cancel student debt--one forgiving all student debt and one taking a means-tested approach to debt forgiveness. Each of these policy proposals offers a material benefit to certain groups of individuals while imposing cost or having no benefit to others, which…
Descriptors: Debt (Financial), Loan Repayment, Taxes, Predictor Variables
Phillip L. Swagel – Congressional Budget Office, 2022
In this letter, the Congressional Budget Office (CBO) responds to questions about the effects of President Biden's August 24, 2022, announcement on executive actions affecting student loans. The cost of outstanding student loans will increase by $20 billion because an action suspended payments, interest accrual, and involuntary collections from…
Descriptors: Student Loan Programs, Loan Repayment, Student Financial Aid, Debt (Financial)
Institute for College Access & Success, 2024
This is the technical documentation for the report, "How the College Cost Reduction Act Could Threaten the Teacher Pipeline." The College Cost Reduction Act would overhaul the Higher Education Act, making changes to student borrowing and repayment, borrower protections, college oversight, postsecondary data, and more. The bill includes a…
Descriptors: Costs, Educational Legislation, Federal Legislation, Paying for College
Becker, Gretchen – Alaska Commission on Postsecondary Education, 2019
Employers have rapidly adopted student loan repayment programs in recent years. An estimated 4% of employers had a student loan repayment benefit in 2015 and 20% were projected to have one by 2018 (Kilgour, 2017). Offered as an employee benefit, employer loan repayment programs contribute to paying down student loans either by matching the…
Descriptors: Fringe Benefits, Loan Repayment, Labor Turnover, Recruitment
Emrey-Arras, Melissa; Clark, Cheryl E.; Evans, Lawrance L., Jr. – US Government Accountability Office, 2022
Over the last three decades, the Direct Loan program has grown in size and complexity, with almost $1.4 trillion in outstanding federal student loans. The Direct Loan program provides financial assistance to students and their parents to help pay for postsecondary education. The US Government Accountability Office (GAO) was asked to review changes…
Descriptors: Student Loan Programs, Student Financial Aid, Federal Programs, Federal Aid
Brenda Zastoupil; Jamie Wilke – North Dakota University System, 2024
College affordability is a significant factor in student access, retention, and completion. Tuition and fee rates are a component of affordability, as is the availability of financial aid programs from federal, state, institutional and private sources, among other factors. Strategically designed approaches to college affordability can better…
Descriptors: Higher Education, Paying for College, Tuition, Fees
Sallie Mae Bank, 2023
For 16 years, Sallie Mae has surveyed college students and parents of undergraduate students about their attitudes toward higher education and how they're paying for it. This year's report explores education funding sources--from family income and savings to scholarships, grants, and borrowed funds--and evaluates trends in payment strategies over…
Descriptors: Paying for College, Parents, Undergraduate Students, Student Financial Aid
Institute for College Access & Success, 2024
The College Cost Reduction Act would overhaul the Higher Education Act, making changes to student borrowing and repayment, borrower protections, college oversight, postsecondary data, and more. The bill includes a new proposed risk-sharing model that would require colleges to repay the federal government for a calculated proportion of their…
Descriptors: Costs, Paying for College, College Students, Federal Legislation
Sallie Mae Bank, 2022
For 15 years, Sallie Mae has surveyed college students and parents of undergraduate students about their attitudes toward higher education and how they're paying for it. "How America Pays for College" explores education funding sources--from family income and savings to scholarships, grants, and borrowed funds--and evaluates trends in…
Descriptors: Paying for College, Parents, Undergraduate Students, Student Financial Aid
Schak, J. Oliver; Wong, Nancy; Fung, Ana – Project on Student Debt, 2021
"Student Debt and the Class of 2020" is The Institute for College Access & Success' (TICAS') sixteenth annual report on the student loan debt of recent graduates from four-year colleges, documenting changes and variation in student debt across states and colleges. State averages for debt at graduation in 2020 ranged from $18,350…
Descriptors: Debt (Financial), Student Financial Aid, COVID-19, Pandemics
Sutton Trust, 2024
While the tuition fee system has had a large amount of political and media attention in the last two decades, far less attention has been paid to the student maintenance system -- the amount of funding students have access to for day to day living expenses. But for many students, this funding is of more immediate importance, and can have a major…
Descriptors: Student Financial Aid, Costs, Foreign Countries, Student Loan Programs
Pew Charitable Trusts, 2021
Student debt levels were already pronounced before the pandemic hit, with $91.1 billion in annual federal student lending in 2019-20, up from $20.7 billion in 1990-91. Over that same period, per-student borrowing rose from $2,110 to $6,276, after adjusting for inflation. Evidence available as of Nov. 20, 2021, suggests that the COVID-19 downturn…
Descriptors: Debt (Financial), Student Loan Programs, COVID-19, Pandemics
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Liu, Jingjing – World Journal of Education, 2019
This study took the student aid data of a normal university in northern Jiangsu Province in 2018 as the object of study, and studied the characteristics of student aid work in local colleges. Through the analysis of the data, it is found that the characteristics of student aid in local undergraduate colleges and universities in China are as…
Descriptors: Student Financial Aid, Universities, Undergraduate Students, Awards
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