A discussion of debt burden, particularly for college students and graduates, looks at recent research, discusses borrower perceptions of debt burdens and excessive debt, analyzes debt-to-income ratios, and synthesizes these ideas into a universal model. Data from a 1990 state survey of borrowers by the Iowa College Student Aid Commission.…

This study was a follow-up to a 1993 study which surveyed Iowa school districts to compare types of programs for gifted students in Iowa with the 16 types found in a 1985 national survey (the Richardson study). The present study examined the five program types which the 1993 study identified as having a large number of characteristics…