A discussion of the high level of student borrowing to pay for higher education looks at the situation today, examines college cost and aid trends, explores implications for the future if students continue to increase their borrowing, and offers a proposal to create a new generation of loan forgiveness programs through a public/private…

This guide discusses federal student aid programs for postsecondary education and how to apply for them. It begins by outlining sources for finding out about student aid, such as schools, state higher education agencies, guidance counselors, and organizations connected with particular fields of interest. It offers tips on how to choose a school…

This monograph presents a history of developments in major student financial aid programs over the past 20 years. An opening section offers highlights of the topic. The article goes on to look at types of student aid, categorized as grants, loans, and work study. An examination of the effects of inflation shows that even taking into account…

In order to encourage efforts to improve access to postsecondary education, this booklet offers data on students, enrollments, and financial aid. A highlights section opens the booklet. A section on the college student describes six actual students and discusses the diversity of the current student body in terms of race/ethnicity, gender, age,…

This report summarizes trend data on borrowing by students and parents to pay for college, and reports on a 1995 national survey of undergraduate students and their parents concerning student loan debt. Analysis of data from the National Postsecondary Student Aid Study found that there was an explosion in college borrowing in the 1990s; borrowing…

In 1988, the Texas student aid community addressed the issue of defaults in the guaranteed student loan program, creating a strategic default initiative. In June 1998, this same group of student aid officials met again to examine the current status of defaults and to share ideas on ways to prevent defaults. This report was intended as a resource…

This paper analyzes the use of student grants and loans among undergraduates in the 1989-90 academic year. It discusses the issue of using loans to finance undergraduate education, and explores who among current undergraduates receive grants and loans. It also investigates the cumulative amounts of education debt taken on by undergraduate students…

Information on physical facilities of Idaho state colleges and universities and facility financing options for the State Board of Education is presented. While attention is focused on Boise State University, Idaho State University, University of Idaho, and Lewis-Clark State College, some of the options may be applicable to other state-supported…

Definitions of manageable college student debts are discussed and one definition is applied to California data, using the Student Expenses and Resources Survey. Definitions proposed by Daniere, Hartman, and Horch define manageable debt levels in terms of future income. A comparison of the three proposals shows the number of years of repayment…

Several problems have been identified in the administration of student financial aid programs in California, including high default rates in the Guaranteed Student Loan (GSL) Program, a significant decrease in the number of eligible students receiving financial aid, workload increases in program administration, and unmet needs for financial aid…

This resource guide for teachers offers material for teaching money management in classes ranging from elementary through adult level. The guide covers seven key concepts in separate units: values and goals, income and employment, money management, financial products and services, credit, insurance, and savings and investments. Each unit includes…

A series of recommendations is presented for reducing default rates in the Guaranteed Student Loan (GSL) program. First, a summary is provided of trends toward the increasing dependence of students on loans to finance their college education and the large and growing default rate among borrowers. Next, four issues are discussed: Should lenders…

Basic information about the federal Guaranteed Student Loan (GSL) program, including its status and the level of participation, is presented, and policy issues concerning cost, equity, efficiency, and administration are also identified. After specifying six criteria for evaluating options for change in the program, specific options are listed…

The California Guaranteed Student Loan Program is described, and information is provided on the characteristics of student borrowers. Attention is also directed to: the effect of students' total accumulated indebtedness on their education and careers; California's default rates compared with those of other states; differences among institutions in…

The history of the interrelation among state approval, accreditation, and institutional eligibility is considered. It is suggested that faculty and college administrators can be either an internal or external group in relationship to the planning process. The federal government, or the state government, passes legislation that may have both…