Private placement financing is a debt or capital lease obligation arranged between a municipality or a 501(c) (3) not-for-profit organization and a single sophisticated institutional investor. The investor can be a bank, insurance company, finance company, hedge fund, or high-net worth individual. Private placement financing is similar to…

Recent reports point to soaring student loan debt and high rates of default as impediments to financial security for millions of Americans. A number of colleges and universities have addressed the issue with initiatives ranging from financial fixes to bold new models of higher education. The Institute for College Access and Success (TICAS)…

This report provides survey results of a study of institutions' student account and loan receivables, payment channels, credit balance refunds, third-party payments, staffing and student financial services expenditures during the fiscal years from 2008-2011. [For "2011 Student Financial Services Benchmarking Report," see ED608487.]

As more undergraduates have taken out loans to attend college, the number of borrowers who fail to repay their student loans has increased. While previous research has focused on students' likelihood to default, this study employed institutional cohort default rates (CDRs) as an outcome variable. Using Integrated Postsecondary Education Data…

Objective: The purpose of this study was to understand how community college students assess the risks and rewards of using personal loans to achieve their higher education goals. Method: Interviews were conducted with 12 federal loan borrowers attending a large, urban community college in Texas during the Spring 2013 semester. Results: Findings…

Politicians regularly cite an expected individual economic gain (the 'graduate premium') as a justification for greater private contributions to the cost of higher education, most recently as part of the rationale for the increase in England of the cap on Home/EU undergraduate fees to £9000 from 2012 (e.g. Willetts 2011a). However, the choices…

Despite tremendous recent interest in the subject of student debt by both researchers and policy makers, little is known about how the distribution of college graduate debt has been evolving and what factors can explain it. We use National Postsecondary Student Aid Study data from 1990 through 2008 to document the evolution of college graduate…

This article presents brief items of interest to counselors and students. It presents a preview of internships and how to build careers for veterans. It also features the Public Service Loan Forgiveness program which helps an individual to repay federal student loans with public service. Lastly, it presents data from the most recent survey for the…

This document provides a summary of and recommendations from the larger report, "Deeper in Debt: Women and Student Loans" (ED580345). Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and…

In this paper, we consider lessons for other countries about the design of student loans with income-contingent repayments (i.e. repayments calculated as "x" per cent of each borrower's subsequent income). Using a dataset of 20,000 simulated lifetime graduate earnings paths, we estimate the cost and distributional effects of reforms in…

President Obama sent his fiscal year 2014 budget request to Congress on April 10, 2013. The New America Foundation's Education Policy Program released this subsequent issue brief, "Key Questions on the Obama Administration's 2014 Budget Request." Obama's budget request totals $71.2 billion in appropriations funding for the U.S.…

This report reviews the use of loans for learning in 33 European countries and analyses the schemes in eight selected Member States: France, Hungary, the Netherlands, Austria, Poland, Finland, Sweden and the UK. The analysis shows that loan schemes vary considerably across Europe in terms of types and levels of learning covered, conditions of…

Knowledge and skills are increasingly important to innovation, productivity, economic growth and competitiveness. For Canada, a better educated population and a highly skilled workforce are vital to ensure successes in the face of growing global competition. Higher education can provide individuals with knowledge and skills needed to participate…

This report shares the perspectives and aspirations of 17 low-income and working-class students based on interviews the Institute for Higher Education Policy (IHEP) conducted over two semesters of their college journeys. The report identifies opportunities for policymakers and institutional leaders to support all students through completion,…

Data on student aid for 2015-16 confirm that the dramatic increases in aid awarded in 2009-10 and 2010-11 were products of extreme economic circumstances, not harbingers of long-run changes in financing for postsecondary education. Both total federal education loans and federal loans per full-time equivalent (FTE) student declined for the fifth…