Most federal support for student financial aid is distributed through student loans via the William D. Ford Federal Direct Loan Program (FDLP) and the Federal Family Education Loan Program (FFELP). This report provides information on the number of schools in each program, and the distribution of student loans between the two programs; the loan…

This resource paper provides an overview of financial aid for postsecondary education. The discussion, reflecting information for the 1995-1996 school year, covers the various types of financial aid, the technical words and phrases used to discuss it, and the process involved in its disbursement. The paper discusses the roles and responsibilities…

This collection of 15 essays by policy analysts and higher education specialists examines student financial aid, how policy and practice have changed, how student costs at U.S. colleges and universities are currently being met, and why and how enhancements to current programs would make the system more equitable. Following an introduction by D.…

This study analyzes the experience of existing higher education student loan programs in developing countries in order to understand their role in fostering cost recovery. Detailed financial analyses of 24 loan programs shows that present value of the repayments collected constitutes a small percentage of the loan value disbursed. In general,…

This report describes, in text and 20 tables of data, the status of student financial assistance programs in New York State in 1989-90. The report contains a complete accounting of all aid available to students enrolled in public, private nonprofit, and private for-profit postsecondary institutions in the State. The report also contains analyses…

This report presents an analysis of the debt levels and debt burdens of recent college graduates, based on student-reported data from four national surveys taken over the period 1977 to 1986. The major findings of this study were the following: (1) one out of two 1986 college graduates had some undergraduate debt representing an increase from one…

This book is designed as a guide to existing and proposed higher education tuition financing plans. The first chapter looks at recent patterns in higher education financing and participation noting the rapid increase in tuition and other college costs and the corresponding changes in participation patterns. Chapter 2 examines tuition prepayments,…

This volume describes federal student financial aid programs that are administered at the state level. Students must meet state eligibility requirements to receive assistance or benefits from these programs. The State grant programs are: (1) the Leveraging Educational Assistance Partnership (LEAP) Program; (2) the Special Leveraging Educational…

This volume describes federal student financial aid programs that are administered at the state level. Students must meet state eligibility criteria to receive assistance or benefits from these programs. The state grant programs are: (1) Leveraging Educational Assistance Partnership (LEAP) Program; (2) Special Leveraging Educational Assistance…

This study analyzed the ability of college students to bargain strategically in the financial aid process. A bargaining model of the financial aid process was developed and used to evaluate the effect of increased number of acceptances into different colleges on a student's financial aid package. A theoretical model was developed using a…

Federal budget-balancing legislation includes tax credits and deductions, worth $40-billion over five years, to help people pay for college. Provisions include tax credits, deduction of student loan interest and some employer-paid tuition assistance, penalty-free individual retirement account withdrawals, student loan forgiveness, institutional…

The educational progress of students with different family incomes is analyzed. Three financial aid policies working against dependent students from low-income families are examined: (1) zeroing out calculated negative parental contributions; (2) requiring a minimum self-help expectation from students in this group; and (3) substituting expensive…

Reviews problems with the Stafford Student Loan Program (Federal Family Educational Loan Program), including high-risk borrowers, dishonest school officials, negligent lenders, and guaranty agencies. Critiques recent reform measures designed to simplify the program. Suggests alternative policies, particularly direct loans from the federal…

Student borrowing for higher education has increased dramatically, and some students begin their adult lives with considerable debt. Financial burden measures should be incorporated into student loan repayment requirements and used to adjust either monthly or annual repayments or the period of repayment. Reducing debt burden would help make…

In light of significant restructuring in New Jersey higher education and shrinking public funds, this project comprehensively examined New Jersey's system of financial aid. It was conducted through the compilation and assessment of program data as well as through interviews with several individuals in the New Jersey higher education community. The…