The North Carolina Promise (NC Promise) is an education subsidy program that sets in-state tuition at $500 per semester and out-of-state tuition at $2500 per semester for all undergraduates at four campuses of the University of North Carolina (UNC) System campuses applies to all undergraduate students beginning with the Fall 2018 semester. A goal…

The United States (US) airline industry is currently experiencing a pilot shortage that could quadruple between the years 2022-2025 (Baldwin, 2022). Although there is not a single cause for this pilot shortage, one of the reasons is the high cost of entry into the industry(Silk, 2019). For aspiring pilots to enter the aviation and/or airline…

This dissertation examines the post-college career choices of no-loan program alumni at Harvard College. Using a conceptual framework informed by elements of social cognitive career theory (Lent et al., 1994) and Perna's (2006) model of college choice, it identifies "what" careers alumni chose after college and "how" and…

Over the past 30 years, a shift occurred in higher education that saw more of the burden for paying for postsecondary education placed on students. Combined with rising tuition and fees, this has led students to take on increasing amounts of student debt. Despite the historic rise in student loans, surprisingly little attention has focused on…

The purpose of this dissertation was to understand the financial aid personnel's perspective on the impacts of middle-income student loan borrowing. Student loan borrowing is a concern for many due to the current debt reaching extraordinary amounts. This research explored the impacts specifically on middle-income students as opposed to low- or…

The goal of this study is to compare the likelihood of student loan default by students from a Midwest public university amongst a variety of variables. A dataset was acquired from an institution in the Midwest. A logistic regression was run to determine the predictive value of several identifiers on student loan default amongst several race…

With the costs of higher education increasing, the need to search for alternative ways to fund these expenses has also increased. While grants, scholarships, personal savings, and financial assistance from parents, may be effective for some, this is not the case for all students as some are inclined to use student loans to fund their higher…

University students and university personnel are important contributors to the economy of the United States regarding excessive student loan debt. As such, a lack of financial literacy is a significant problem. The purpose of this single descriptive qualitative case study was to describe the experiences of certain individual university students…

Purpose and Method of Study: This study focused on the relationship between the cost of undergraduate education (COUE) and graduation rates in four-year institutions in Oklahoma. The purpose of this study was to examine the relationship between the cost of undergraduate education (COUE) and graduation rates at four-year higher education…

According to public discourse, one of the most critical college access and affordability issues is the nation's rising student loan debt. Public concern over the rising cost of college and the use of education loans has incited a great debate on if a student loan debt crisis exists, and if so, for who? Researchers have found that, among federal…

This study uses secondary data to explore the relationship between the percentage of Latinos enrolled in a postsecondary institution and two educational outcomes: graduating within six years and total amount in student loan debt. Research on the concentration of Latino students in higher education have mostly focused on Hispanic Serving…

This dissertation investigates the lived experiences of Millennials with student loan debt, a growing issue as college enrollment and tuition costs rise. Despite the significant impact of this debt crisis, research on this demographic's experiences is limited. This study fills this gap, aiming to equip mental health counselors with a deeper…

This dissertation, which is highly relevant to education, examines Black educators' life experiences with student loan debt. It provides insight into the impact of student debt and how these experiences shape their interactions with Black students. Using their narratives, this study serves as a self-reflective journey, bringing the reader closer…

Florida implemented Statute 1009.45 as of July 1, 2017, to require colleges and universities to provide annual student loan debt notifications to students to inform them about their student loan obligations. The purpose of this basic qualitative study was to examine how college students in the State of Florida make financial decisions about their…

The Parent PLUS loan covers the financial gap of a student's educational expenses after other forms of financial assistance. Depending on the unmet need, the PLUS loan amount borrowed can be tens of thousands of dollars for a single academic year. In this research article, I provide results from evaluating financial aid offers at Missouri public,…