This report and the accompanying interactive web tool are a first step toward helping students sort through the 37,000 programs in the College Scorecard data to learn which programs offer a pathway to good earnings and which threaten more debt. Part 1 examines earnings differences across different institutions. Just as there is overlap in…

Differences by race and ethnicity exist in student borrowing trends, as decades of research and statistics on debt, repayment, and default rates have well established. Students who are Black, Hispanic or Latino, and Native American tend to have higher unmet financial need, incur more debt, and struggle financially to stay in school. Yet, even as…

This article critically examines how undergraduate students in a red brick university in the North of England have experienced the threefold rise in tuition fees since 2012, with particular attention on how they have begun to understand and negotiate the process of indebtedness. Drawing on a corpus of 118 interviews conducted with a group of 40…

The teaching profession is facing difficulty recruiting and retaining talent in the U.S., especially in STEM subjects. This study identifies the key experiences that shaped the academic paths and career plans of 10 pre-service teachers in STEM education who are participating in a loan forgiveness programme in North Carolina. Using life history…

A growing number of families around the world are relying on student loans to pay for university under recent cost-sharing policies. However, it remains unclear to what extent university costs and the likelihood of needing student loans affect decisions in the early stages of education. This article examines the influence of parents' attitudes…

Parent PLUS loans are a growing concern due to their limited income-driven repayment protections and their potential to maintain longstanding racial wealth gaps. Previous research has examined factors associated with student debt burdens of college graduates, but no research has examined factors related to parent borrowing for college. In this…

Systemic challenges for the Texas teacher workforce result from a large yearly demand for new teachers, exacerbated by high and climbing teacher attrition rates. As a result of these challenges, a large majority of new teachers are now hired before they complete preparation. Assigned disproportionately to students from low-income families and…

Geography is an important part of economic opportunity. This is increasingly true in the labor market for skilled workers. Due to monetary and nonmonetary costs of migration, college attendance is less likely for those who live farther from postsecondary institutions. The college educated have also become increasingly concentrated in larger labor…

As overall student loan indebtedness in the United States has increased over the years, many borrowers have found themselves unable to repay their student loans. Ordinarily, declaring bankruptcy is a means by which a debtor may "discharge"--that is, obtain relief from--debts he is unable to repay. However, Congress, based upon its…

This report analyzes data from the U.S. Department of Education on the outcomes of New York's federal student loan borrowers who entered repayment in 2012, covering the period from 2012 to 2016. This data brief--the first comprehensive analysis of five-year student loan outcomes in New York--reveals that the student loan default rate in New York…

The number and availability of service-contingent loan forgiveness and loan repayment programs have expanded considerably since the establishment of the first major federal loan forgiveness program under the National Defense Education Act of 1958. This report provides information on federally authorized service-contingent student loan forgiveness…

Student loan borrowing for higher education has emerged as a top policy concern. Policy makers at the institutional, state, and federal levels have pursued a variety of strategies to inform students about loan origination processes and how much a student has cumulatively borrowed, and to provide students with greater access to loan counseling. We…

In this perspectives brief, authors James Kvaal and Jessica Thompson explore the challenge of college affordability and summarize the campaign proposals to address it. Driven by steadily rising college costs and student debt, the 2020 presidential campaign has put the issues of college costs and student debt on the agenda as never before. Many…

College has never been so necessary or so expensive for Americans. Rising costs, state disinvestment, declining household incomes, and grant aid that has not kept pace lead more students to borrow, and borrow more, to go to school. While federal student loans are the safest option for students who need to borrow, rising student loan debt has…

This brief examines two types of state service-contingent aid programs: conditional grants/loans and loan forgiveness. Conditional grant or loan programs provide a financial award to currently enrolled students and, in exchange for receipt of the award, students must fulfill certain service or work requirements after graduating from college. Loan…