Reviews provisions of the Tax Reform Act (1986) affecting schools that issue bonds, notes, or warrants. While interest on school financing will remain tax-exempt, school officials will need to master new concepts involving private agency bonds and arbitrage restrictions. Further erosion of schools' tax-exempt status is likely. (MLH)

This booklet is intended to help individuals who received William D. Ford Federal Direct Loans as students manage the repayment process. Following an introduction, explanations are offered for how the principal balance of the loan is determined and how interest rates are applied. The following sections explain the four different repayment plans,…

This report examines how the Department of Education calculates the default rate for two federal student loan programs--the Federal Family Education Loan program (FFELP) and the William D. Ford Federal Direct Loan Program (FDLP). The report focuses on three questions regarding these programs: (1) whether there has been an increase in the number of…

The Web site http://www.ed.gov/DirectLoan/ provides information on the William D. Ford Federal Direct Loan Program for both professionals and borrowers. For professionals, it provides information on conferences, promissory notes, regulations, laws, and relevant links, as well as technical assistance, and other publications and guides. For…

The Direct PLUS Loan is one of the low-interest loans provided by the William D. Ford Federal Direct Loan Program. The U.S. Department of Education delivers loan proceeds through the student's school, and parents are responsible for repaying the Department. This booklet answers parents' questions about the loan program, including: (1) Am I…

Many individuals with disabilities may have attempted college either before or after they became disabled. If prior college attempts were unsuccessful, the student may have defaulted on student loans. When the loans are secured by the federal government, the individual will not be eligible for further financial assistance, including all federal…

This guide to financial aid programs provides Minnesota students with information on types of aid, qualifications, and how to apply. In the first section, "What is Financial Aid," the guide focuses on the purpose of financial aid, the different sources of financial aid, and how to qualify for aid. The second section, "How Do I Apply for Financial…

Present law respecting collection of federal student loans, regulatory and other sanctions against default, and strategies against bankruptcy are outlined and analyzed. (Journal availability: Columbia Journal of Law and Social Problems, Box 7, Columbia University School of Law, 435 W. 116th St., New York, NY 10027, $5.00.) (MSE)

Four West Virginia programs provided scholarships and student-loan repayment to physicians practicing in underserved rural areas. Among 151 obligated and nonobligated physicians surveyed, obligated physicians had greater debt burdens and were more likely to have attended a state medical school or residency. The groups had similar rural retention…

Economic analysis of the borrowing and repayment patterns of Canadian bachelor's-level university graduates using data from the National Graduate Survey of the class of 1990. Finds, for example, that overall women borrowed only slightly less than men, repaid as quickly as men (despite lower earnings), but reported significantly more difficulty in…

Three law students at New York University (NYU) detail components and implementation of NYU's loan assistance program for graduates with low earnings (usually employed by public interest firms, the government, or small firms). NYU's program is intended to preserve student body diversity and minimize debt concerns as a factor in career choice.…

This report contains the results of a survey of Stafford Loan borrowers who were scheduled to enter repayment between September 1, 1988, and June 1, 1989. Tables show respondents' activities, occupations--by type of institution and gender, median incomes--by occupation and race, and program completion by ethnic group, etc. (Author/MLW)

A table that shows the rates of default on Stafford Student Loans at non-profit colleges, universities, vocational and technical schools is presented. The default rate represents the proportion of borrowers required to begin paying off their loans in fiscal 1987 who failed to make payments in 1987 or 1988. (MLW)

A study at California State University, Fresno investigated the relationship between Perkins' Loan recipients' (n=429) credit records, loan default rates, and age. For eight different age groups, credit checks revealed student distribution in four credit categories. Results show credit checks could have saved the program a great deal of money.…

State low-interest college loans programs for middle-class families have emerged in response to restrictions on federally subsidized Stafford Loans. The key difference between federal and state programs is that most state programs require student borrowers and cosigners to prove good credit risks, reducing loan default and making the programs…