There are many ways to pay for postsecondary education, and one increasingly common option is an income share agreement (ISA). Under an ISA, the learner promises a share of their pre-tax earnings to a funder for a set period after the learner finishes or stops their program. The learner makes payments only when their earnings are high enough, and…

Christopher Martin argues that an interest in strong autonomy supports a right to debt-free higher education and that making tuition free is the best way of enacting that right. We argue that making higher education tuition free would, in the absence of other countervailing measure, maldistribute strong autonomy, even in ideal conditions. We also…

The new student loan repayment plan formally proposed by the Biden administration would let borrowers make lower payments and have remaining loans forgiven sooner than under current plans. Under the proposed income-driven repayment (IDR) plan, most undergraduate borrowers with typical debt levels--and nearly 90 percent of those with certificates…

The Biden administration launched a new income-driven repayment (IDR) plan for federal student loans this year called Saving on a Valuable Education (SAVE). The plan cuts borrowers' monthly payments compared with current IDR plans, provides earlier loan forgiveness for smaller debts, and prevents unpaid interest from accumulating. To better…

The "2020 Tuition Discounting Study," based on survey responses from 361 private nonprofit NACUBO-member institutions, reports final institutional discount rates for academic year 2019-20 and preliminary estimates for academic year 2020-21. [This study was supported by Vemo Education. For the 2019 study, see ED608472.]

This dissertation, which is highly relevant to education, examines Black educators' life experiences with student loan debt. It provides insight into the impact of student debt and how these experiences shape their interactions with Black students. Using their narratives, this study serves as a self-reflective journey, bringing the reader closer…

Concerns about rising college costs and uncertain economic returns have combined with a wave of populist backlash to reduce public trust in higher education, which plummeted to new lows in 2023. President Biden, who ran his 2020 campaign on a platform that included student loan forgiveness and free community college, has focused some of his recent…

Every year, 600,000 formerly incarcerated people return to society, and over forty-four percent will be incarcerated again within a year. As advocates work to improve the conditions of reentry, recent efforts have focused on higher education as the ticket to long-term freedom for formerly incarcerated people. Any success of these efforts hinges on…

Most Latinx students who begin their academic journey begin at community colleges. Yet, the cost of college is a significant barrier for Latinx students in completing a degree. The purpose of this study was to explore the intentionality of financial support for Latinx student at an Emerging HSI California community college as it becomes HSI.…

In 2015, 65 universities in National Collegiate Athletic Association (NCAA) Division I autonomous conferences changed their scholarship policy by allowing universities to give student-athletes cost of attendance stipends. While student-athletes welcomed this policy change, many people within the higher education community felt the policy change…

This study used the 2015 National Financial Capability Study to investigate the relationships among financial capability, financial education, and student loan debt outcomes. Specifically, this study examines four student loan outcomes: delinquency, stress, preparation, and satisfaction among borrowers who obtained loans for themselves. Three…

On August 24, 2022, President Biden announced that his administration would be cancelling $10,000 -- $20,000 of student debt for middle- and lower-income borrowers. Naturally, this announcement has unleashed a wave of follow-up questions among borrowers. This fact sheet is intended to help Californians with student loans navigate the process of…

A now-common question regarding whether or not individuals should pursue college degrees is whether college is worth the cost. One of the ways that institutions of higher learning may help students reduce cost of attending college, thereby reducing the financial stresses, is to reduce expenses where possible. One place where institutions of higher…

Florida implemented Statute 1009.45 as of July 1, 2017, to require colleges and universities to provide annual student loan debt notifications to students to inform them about their student loan obligations. The purpose of this basic qualitative study was to examine how college students in the State of Florida make financial decisions about their…

Open Educational Resources are free or low-cost, openly licensed course materials used in place of more expensive, commercial ones. Data collected from an open-access institution in Florida was analyzed using multiple regression to determine the relationship of Open Educational Resources with short-term student outcomes. Short-term outcomes of…