This document contains five lists of consumer resources pertaining to credit, credit problems, and home mortgages and equity loans. The first list, targeted at adults, provides information on general credit, applying for credit and contracts, seniors and women and credit, credit options and costs, credit protection, credit reports and bureaus, and…

This study analyzes the experience of existing higher education student loan programs in developing countries in order to understand their role in fostering cost recovery. Detailed financial analyses of 24 loan programs shows that present value of the repayments collected constitutes a small percentage of the loan value disbursed. In general,…

This report presents an analysis of the debt levels and debt burdens of recent college graduates, based on student-reported data from four national surveys taken over the period 1977 to 1986. The major findings of this study were the following: (1) one out of two 1986 college graduates had some undergraduate debt representing an increase from one…

Actions that a college might pursue if they have difficulty meeting their financial obligations on dormitory construction loans are discussed by the president of Kansas Wesleyan University. It is noted that when the administration of the loan program was shifted to the new Department of Education (the Department), the agency pushed to collect all…

Issues concerning mortgage-backed student loans are examined, with attention to the new tax law, policy and practical concerns that a college should address before starting this type of loan program, public policy issues, and two types of plans. The Tax Reform Act of 1986 phases out the deductibility of consumer interest charges and as a result…

The history of state government debt in North Dakota can be divided into three 30-year periods which should be interpreted in terms of the political, social, and economic conditions of each period. The early statehood period of 1889-1918 began with the use of debt to construct facilities necessary to carry out the normal functions of state…

The efforts of schools to administer and collect student loans and the actions of the U.S. Department of Education for collecting defaulted loans under the National Direct Student Loan program were investigated. The General Accounting Office visited seven schools in the midwest with default rates ranging from 5.9 to 63.1 percent and obtained…

A historical perspective on the organization and administration of the National Direct Student Loan (NDSL) Program is reported in this study, particularly as it relates to persisting concerns about the default rate. Chapter 1 explains the origin, purpose, and provisions of the program. Chapter 2 provides an overview of the study, including both…

The administration of the Law Enforcement Education Program was investigated. The program was managed by the Law Enforcement Assistance Administration until May 1980, when it was transferred to the new Department of Education. The program provides grants and loans to students enrolled in college programs leading to degrees in law enforcement or…

Scripts of public radio programs on the subject of paying for college are presented. They deal with various kinds of students and student financial aid, including work-study programs, state aid, Basic Grants, etc. The scripts are as follows: "Students Who Work and Go To College;""Student (Myra Burns) Describes Struggle to Pay for College;""Student…

Analyses of 1983 survey data on senior medical students suggest that receipt of a federal or nonfederal scholarship is as significant as student indebtedness in the student's career choice of primary or nonprimary care specialties, private or salaried clinical practice, a nonclinical career, or willingness to practice in an economically deprived…

For the first time in the better part of a decade, the idea of making student loans "Income-Contingent" (often referred to as "ICR", which stands for Income-Contingent Repayment) is making a re-appearance on the Canadian policy scene. For those who have long favoured ICRs, this debate will be an opportunity to dust off their…

This report is a compilation of 1997 default rates for institutions participating in the Federal Perkins Loan Program based on the cohort of borrowers who entered repayment status in the 1995-96 reporting period. Data is presented by state and individual institution and includes: (1) number of borrowers who entered repayment status in 1995-96; (2)…

This text teaches students about money management and is designed to help the student as he or she tries to live within limits and decide important financial questions. Students are instructed about: getting control of your money; tracking your spending; figuring your income and expenses; making your spending plan balance; making money decisions;…

Section 439A of the Education Amendments of 1976 restricts the dischargeability of federal student loans to cases of "undue hardship." The origin, applications, and legal procedures involved in Section 439A and in Section 523(a) of the new Bankruptcy Code are examined and suggestions are made for determining the meaning of "undue…