Problems and concerns faced by the Carter Administration and the Congress regarding federal student loans are reviewed in this book. In individually authored chapters, focus is on student default, abuse, availability of capital, student access to loans, and possible new roles for states, institutions, and the federal government. A historical…

The financial aspects of college loan burden are analyzed, based on the view that loan burden is a function of a borrower's capacity to repay the debt obligation. The following components of a financial model of indebtness are addressed: the stock of education loans at the time repayment begins, the repayment flow associated with each stock of…

Results of a Government Accounting Office review of the administration of the National Direct Student Loan (NDSL) program by the Office of Education and participating universities is provided. Problems found concerned the need to: (1) provide program guidance at institutions so they can promptly and effectively implement established requirements…

The problem of managing collection efforts on defaulted student loans under the guaranteed student loan program is discussed. This review was made to assist the Office of Education in developing collection guidelines and procedures to cope more effectively with the rapidly increasing backlog of defaulted loans. It is shown that changes in policy…

Since moonlighting by residents in addition to their demanding residency work schedule might jeopardize patient care, decisions to moonlight are examined. The results indicate that the main motivating factor behind their moonlighting is economic, and residents with higher levels of indebtedness were more likely to moonlight. (Author/MLW)

A study to examine the repayment of Guaranteed Student Loans is described. It found that most of the institutions with more than 60 percent of their student loans in default are proprietary schools. The study is aimed at helping state and federal policymakers make decisions on student-aid programs. (MLW)

A discussion of the problem of student loan defaults places the issue in the context of loan program history and current federal policy. It argues that the situation is more complex than some public officials admit, and that short-term solutions will not effectively address the long-term problem. (MSE)

Officials on 10 campuses that are testing the new income contingent loans say that borrowers don't understand how it works, and they predict that students would not like the new loans because the interest rates are so high that it could take a life-time to pay the money back. (MLW)

An alternative system is proposed for college students: provide grants in the freshman year, reduce grants and small loans in the second, introduce work-study in the third along with reduced grants and loans, and further increase loan and reduce the grant with work-study in the fourth year. (MSE)

This report to Congress analyzes student loan default rates at historically black colleges and universities (HBCUs), focusing on student characteristics which may predict the likelihood of default. The study examined available student databases for characteristics identified by previous studies as related to level of student loan defaults. Among…

This report on student indebtedness is based primarily on a current study which is measuring the average Stafford loan balance facing students, as well as indicators of payment stress. The study is based on data on about 325,000 loans from the USA Group's entire loan servicing portfolio, which includes both subsidized and unsubsidized Stafford…

This document presents federal student loan cohort default rates for postsecondary institutions, including two- and four-year colleges, universities, church-affiliated schools, historically black colleges and universities, tribally controlled schools, and proprietary vocational schools. Each listing, sorted alphabetically by school name, contains…

This document presents federal student loan cohort default rates for postsecondary institutions including, two- and four-year colleges, universities, church-affiliated schools, historically black colleges and universities, tribally controlled schools, and proprietary vocational schools. Each listing, sorted by Office of Postsecondary Education…

This collection of tables is a compilation of 1998 default rates of institutions of higher education participating in the federal Perkins Loan program and is based on the cohort of borrowers who entered repayment status in the 1996-97 reporting period. Data are presented by state and by individual institution and include: (1) number of borrowers…

This study examines the debt of 1992-93 bachelor's degree recipients in light of their financial circumstances in 1997, approximately 4 years after they earned their degrees. First, it reviews the amount they borrowed as undergraduates, including amounts borrowed through student loan programs, from parents, and from other private sources. It also…