Because college costs will continue to increase dramatically, educational loan programs will become more important in the financial package. An efficient, national student loan program that will guarantee access, choice, and fairness is what is needed. (MLW)

Participants in the tuition-setting process lean toward "aggressive" pricing strategies because they want to maintain or improve quality, assure continued vitality, and keep the campus in good repair. Recent trends in tuition pricing are reviewed and some elements of budgetary strategies predicted on tuition increases above inflation are examined.…

Loans have become an important, even essential, ingredient of college financial aid and family financial planning. The World Bank and other international groups, such as the Organization for Economic Cooperation and Development, regularly review the experiences of many countries in financing education. Their findings are discussed. (MLW)

Following a brief critical review of the federally sponsored student loan system, this paper develops fundamental principles for overhauling the system and creating an Educational Credit Trust. This federally chartered corporation would determine lender eligibility requirements, monitor lenders' financial performance, and sanction student loan…

Algebraic and computer solutions are offered for a problem on time payment scheduling. The problem, falling within the scope of high school algebra, could focus only on the algebraic methods, but including the computer brings out the relationship between the power of algebra and the power of modern technology. (JN)

This guide is intended to help educational institutions counsel students and parents about consolidation of federal education loans for borrowers in repayment, borrowers in default, and borrowers who are still in school. Through consolidation, borrowers may combine various types of federal education loans, including direct loans and loans made…

This 2-volume report summarizes a study that examined the satisfaction of borrowers who were repaying student loans originated through the Federal Direct Loan and Federal Family Education Loan programs. Volume 1 presents a summary of the report's findings. A total of 1,328 respondents from a nationally representative sample of 3,000 borrowers in…

Discussed are legal obstacles to the practice of withholding transcripts: how educational debts are handled in bankruptcy proceedings, effect of an order of discharge on the school's rights, and legal barriers when debts have not been discharged. (Journal availability: Willamette University College of Law, Salem, OR 97301, $5.00 entire issue.)…

The paper reviews and critiques the 13 existing (1987) law school assistance programs and proposes a national repayment-assistance debt-forgiveness program which would involve an income-contingent repayment "tax" coupled with an assurance to creditors of repayment by means of a "guarantee" or "insurance" fund. (DB)

The Education Department's calculation of student loan default rates is disputed. New Education Department regulations will strip federal loan money from students attending schools where large numbers of former students have defaulted. (MLW)

A study assessed borrowing patterns of 3,495 indebted medical students at Thomas Jefferson University (Pennsylvania) in relation to changes in cost of education, parents' income, availability of grant funding, legislative changes to loan eligibility criteria, and average interest rates on federal unsubsidized loans. Results show students borrow…

This document contains the semiannual report on the activities of the U.S. Department of Education's Office of Inspector General (OIG) for the 6-month period ending March 31, 1997. During this time the OIG continued to fulfill its statutory mandate through a carefully designed program of audits and reviews intended to help Education Department…

This study examined student loan default rates at 98 of the 104 historically black colleges and universities (HBCUs) in the United States. About 3 percent of all federal students loans made in fiscal year (FY) 1995 were made to students at HBCUs, a percentage that has remained steady from FY 1991 through FY 1995. For FY 1993, the average loan…

The relationship between college costs and family income is examined, along with the debt burden incurred by students while pursuing a postsecondary education. Attention is directed to an analytical model of discretionary income, the families' current income and college costs and how these have changed over the last decade, and general empirical…

The Guaranteed Student Loan (GSL) program's current operations, legislative history, and growth are reviewed, along with research needs. GSLs are made by lenders to college students, and the federal government guarantees them and provides incentive payments to lenders and subsidy payments on behalf of students until loan repayment begins. Today,…