Definitions of manageable college student debts are discussed and one definition is applied to California data, using the Student Expenses and Resources Survey. Definitions proposed by Daniere, Hartman, and Horch define manageable debt levels in terms of future income. A comparison of the three proposals shows the number of years of repayment…

Several problems have been identified in the administration of student financial aid programs in California, including high default rates in the Guaranteed Student Loan (GSL) Program, a significant decrease in the number of eligible students receiving financial aid, workload increases in program administration, and unmet needs for financial aid…

This resource guide for teachers offers material for teaching money management in classes ranging from elementary through adult level. The guide covers seven key concepts in separate units: values and goals, income and employment, money management, financial products and services, credit, insurance, and savings and investments. Each unit includes…

A series of recommendations is presented for reducing default rates in the Guaranteed Student Loan (GSL) program. First, a summary is provided of trends toward the increasing dependence of students on loans to finance their college education and the large and growing default rate among borrowers. Next, four issues are discussed: Should lenders…

Basic information about the federal Guaranteed Student Loan (GSL) program, including its status and the level of participation, is presented, and policy issues concerning cost, equity, efficiency, and administration are also identified. After specifying six criteria for evaluating options for change in the program, specific options are listed…

The California Guaranteed Student Loan Program is described, and information is provided on the characteristics of student borrowers. Attention is also directed to: the effect of students' total accumulated indebtedness on their education and careers; California's default rates compared with those of other states; differences among institutions in…

The history of the interrelation among state approval, accreditation, and institutional eligibility is considered. It is suggested that faculty and college administrators can be either an internal or external group in relationship to the planning process. The federal government, or the state government, passes legislation that may have both…

In the spring semester of 1977 all Indiana University Groups Program students from the freshman classes 1969 through 1975 were surveyed by mailed questionnaires. Responses were received from 177 of the 1,437 Groups students to whom they were sent. Respondents were asked about educational status and educational history, current employment, and…

A comprehensive capital charge policy is recommended as an integral part of college budgeting and reporting. It includes three components: a capital renewal and replacement charge, a new equipment and library and laboratory acquisitions budget, and a debt repayment schedule using internal borrowing. (MSE)

A survey investigated the status of a program that simultaneously encourages minority health occupations graduates to pursue teaching and helps repay their student loans. The federal program, with 16 schools and 35 students participating, has been instrumental in recruiting teachers, but has not resolved financial difficulties for some…

Distribution of federal expenditures for interest benefits, special allowance payments, default claims reinsurance, and administrative cost allowances among over 61,000 borrowers is described, including in-school, grace and repayment periods by institution type, years enrolled, dependency status, and family financial circumstances. (Author/MSE)

A mail survey was conducted of alumnae or students who left Sweet Briar between 1979 and 1986. The study was to solicit information about attitudes toward educational loan debt which could be used in counseling current and prospective students, evaluating award packaging policies, and responding to legislation affecting student loans. (MLW)

The effect of indebtedness (undergraduate loan burden) after college graduation on the decision to pursue a graduate degree was studied for 899 individuals from the High School and Beyond study. Level of undergraduate debt was not a significant choice determinant. Some limitations of the methodology are discussed. (SLD)

This booklet provides North Carolina students with guidelines to the student financial aid programs available to them. The booklet groups programs by source of funding: federal, state, or private. Types of financial aid included are: (1) scholarships and grants, (2) loans, (3) employment opportunities, and (4) entitlement programs. Each program…

This booklet introduces North Carolinian students to the variety of student financial aid programs which exist along with guidelines for applying for aid. The booklet lists and provides brief descriptions of federal-, state-, and privately-funded programs. Information given under each program are the eligibility requirements, the value of the…