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.…

Students, families, colleges, and lawmakers need clearer information on postsecondary outcomes to make informed decisions. By leveraging data available at institutions and federal agencies, a nationwide student-level data network (SLDN) would close information gaps that persist in our higher education landscape to answer critical questions about…

For both efficiency and equity reasons, student loans schemes have been introduced by several countries. Empirical work has been carried out in order to measure the effectiveness of these policies, but, with few exceptions, their results are not comparable because of their concentration on specific aspects. The present work suggests a…

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 Clinton Administration's proposed overhaul of the guaranteed student loan program would pay banks the amount of unpaid federal student loans, making the government the sole insurer of the loans. Guarantee agencies feel this action would strip them of their primary tasks of reimbursing lenders for unpaid loans. The initiative is intended to…

Background questions to support a federally-sponsored assessment of major student aid delivery system options are addressed. Attention is directed to: (1) information needed by the U.S. Secretary of Education to decide about changes to the delivery system; (2) reasons that delivery system redesign is a critical issue; (3) what can be learned from…

Requirements for forming state guarantee agencies in the Guaranteed Student Loan Program are presented, based on two previous reports: "Perspectives on State Guaranteed Student Loan Programs" (March 23, 1979) and "Status Report on Non-Agency States" (March 29, 1979). After introductory material on background, purposes, and…