Increasingly, people are looking for education and training options that are more affordable, flexible, can quickly open doors to good jobs, and--ideally--pave the way for further educational attainment. Businesses also want to hire workers with the skills needed for jobs in growing industries. Non-degree credentials (NDCs) can often meet these…

Despite the availability of income-driven repayment (IDR) plans--and significant improvements to program design and generosity over time--too many federal student loan borrowers?continue to struggle with repayment. Many struggling borrowers never enroll in an IDR plan; even for some who do,?income-based monthly payments can?still be too high.…

State financial aid is a critical piece of college affordability for students from low-income backgrounds. Nearly three quarters of all students attend college in their home state - which is typically a requirement for state-based financial aid - and first-generation and students from low-income backgrounds are even more likely than their peers to…

Today, institutions of higher education may charge whatever they wish for the education they provide, and the government provides the capital for student's tuition through loans without institutions bearing any meaningful risk if students do not repay. Naturally, this drives up costs and borrowing. On top of tuition and fees, students can borrow…

The recommendations put forth in this paper stemmed from a series of conversations, conducted over the course of 2019, with experts and stakeholders representing a range of perspectives and experiences within higher education and financial aid. The working group explored policy design details in depth and identified core areas of general…

Promise programs (also known as free college programs) have grown in popularity over the last few years. When targeted correctly, these programs have the potential to increase enrollment, retention, and graduation rates for underserved students. By focusing a promise program on adult students and including additional supports and services, states…

This Special Report examines four principles for state leaders to consider as they develop or evaluate financial aid redesign reform efforts. The financial aid redesign principles, identified through a Thinkers Meeting that included experts from across the country, fall into four areas: Financial aid programs should be student-centered,…

Within California, there is widespread understanding and consensus that college affordability is a challenge that needs to be addressed. Along with this consensus on the nature and implications of California's college affordability problems, there is also emerging agreement about how to tackle it. While this convergence can form the backbone of a…

Can place-based college scholarships stimulate local prosperity? Research suggests that Promise programs can indeed contribute to revitalizing economically distressed communities. We argue that these scholarship programs, when leveraged effectively, can spawn a host of community benefits and serve as catalysts for economic and educational…

In 2011, the Arizona State Legislature adopted a law creating the first education savings account (ESA) in the United States. Following Arizona's lead, several other states, including Florida Tennessee,Mississippi and Nevada, have implemented ESA policies. Typical eligibility requirements include conditions such as a pupil's diagnosed disability,…

Federal financial aid serves as a crucial tool to support both access and success for students in higher education. This is especially true at community colleges. Whether they are seeking job training, a certificate, or an associate degree, our students rely on consistent and meaningful sources of support to advance their educational aspirations.…

WICHE (the Western Interstate Commission for Higher Education) is a regional, nonprofit organization. WICHE and its 15 member states work to improve access to higher education and ensure student success. Its student exchange programs, regional initiatives, and its research and policy work allow it to assist constituents throughout the West and…

In their paper entitled "Why should postsecondary institutions consider partnering to offer (Individual Development Accounts (IDAs)?" the authors reviewed frequently asked questions they encountered from higher education professionals about IDAs, but as their research continued so did the questions. FAQ II has more in-depth questions and…

The three basic kinds of federal student financial aid to college students are described: federal student loans (direct lending, both subsidized and unsubsidized); campus-based aid (Supplemental Educational Opportunity Grants, work-study programs, and Perkins Loans); and Pell Grants. Some details of program design and recent changes are noted.…

The University of Minnesota Medical School has developed a clinical education experience for third-year students that involves working directly with and supervision by general physicians practicing in rural areas. As of 1986, 57 percent of former program students in practice were in rural communities, most in Minnesota. (Author/MSE)