Higher education is increasingly expensive, and access disparities by race and social class exist. Yet, we lack nuance in the scholarly literature about students' understandings of how they finance their college education. We examine how class-based differences influence how students finance college education. We draw on concepts from economic…

Few people in the U.S. have adequate finances for college tuition. Many scholarships, grants, federal loans, and work study funds are connected to students through the Free Application for Federal Student Aid. The FAFSA also connects students to free tuition in the form of Promise programs offered in some U.S. states. Many students of varying…

Despite high prices, many college students do not re-file the Free Application for Federal Student Aid (FAFSA) or file late, making college less affordable. Low-cost technological interventions delivering personalized information and/or advising may improve refiling and academic outcomes, but questions remain regarding the efficacy of this…

This article provides remarks delivered by Gen. Mark Brown, Chief Operating Officer for Federal Student Aid on September 19, 2019 at the 2019 National College Access Network (NCAN) Conference in Indianapolis, Indiana. Gen. Brown granted JCA permission to reprint his remarks.

Background/Context: Student loans reflect a larger shift in U.S. society in which people are forced to go into debt for basic needs. Student loan debt in the United States has been recognized as a political economic crisis that disproportionately devastates Black people. Scholars have statistically reported on racialized and gendered…

U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. This chart summarizes the interest rates, loan limits, and…

Making college more affordable for families has been a critical issue for states in the SREB region for many years. Now the negative economic impacts of the COVID-19 pandemic have created additional barriers to college affordability. This brief provides an overview of college affordability in the SREB region based on data from the 2017-2018…

In response to rising college tuition and student debt over the past three decades, some institutions, localities, and states have implemented a range of tuition-free promise programs to promote college access and success. Programs vary widely in their design features, including eligibility stipulations and award structure. I explore the growing…

The rising costs of college attendance and the diminishing availability of viable funding sources cause students to incur debt in order to pursue postsecondary education. This dissertation in practice examines how one tribal education funding program contributed to the successful transition between high school and college for the enrolled members…

If the state of California finds the funds, the Cal Grant Reform Act--as enacted in the 2022 Budget Act--is to be implemented in 2024 to support hundreds of thousands of Californians in affording, accessing, and succeeding in higher education. Instead, the state has proposed adding more funding to the less equitable Middle Class Scholarship (MCS)…

TICAS partnered with higher education researcher Dr. Donald E. Heller to examine the "affordability gap" that students are facing when paying for college. The report uses federal data to determine the so-called "college affordability gap" in three states--California, Michigan, and New York--with a focus on students who are…

The federal government provides financial assistance to individuals for higher education expenses in two major ways: tax benefits and traditional student aid (loans, grants, and work-study assistance). Since 1997, education tax benefits have become an increasingly important component of federal higher education policy. In 2019 and 2020, 12 tax…

To improve college access for low-income students, an increasing number of public colleges and universities have implemented no-loan policies, where student loans are replaced with institutional grant aid that does not require repayment. Using detailed income measures provided by Mobility Report Card data, this study examines the effect of no-loan…

The Pell Grant is the cornerstone of the federal student aid programs, providing need-based grant aid to the country's lowest-income postsecondary students. Pell Grants have failed for decades to keep pace with increased college costs and inflation. Doubling the maximum Pell Grant to $13,000 will effectively recalibrate the grant and restore its…

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…