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Federal Student Loan Debt Relief in the Context of COVID-19. CRS Report R46314, Version 8. Updated
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Hegji, Alexandra – Congressional Research Service, 2021
In response to the current Coronavirus Disease 2019 (COVID-19) pandemic, numerous questions have arisen regarding student loan repayment flexibilities and debt relief that may be available to individuals to alleviate potential financial effects related to COVID-19. The Higher Education Act of 1965 (HEA) generally authorizes several options for…
Descriptors: COVID-19, Pandemics, Student Loan Programs, Student Financial Aid
Federal Student Loan Debt Relief in the Context of COVID-19. CRS Report R46314, Version 3
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Hegji, Alexandra – Congressional Research Service, 2020
The Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: the William D. Ford Federal Direct Loan (Direct Loan) program, the Federal Family Education Loan (FFEL) program, and the Federal Perkins Loan program. While new loans are authorized to be made only through the Direct…
Descriptors: Debt (Financial), Student Loan Programs, COVID-19, Federal Aid
The Supposed Great Equalizer: Student Loans and Their Impact on African-American Students
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Portis, Tyler – Strategic Enrollment Management Quarterly, 2020
The student loan crisis has become a buzz topic that presidential candidates frequently discuss in debates and town halls. Today, accumulated student loan debt equals $1.6 trillion, exceeding total accumulated car loans and credit card debt. What makes this a crisis is the fact that approximately 22 percent of student loan borrowers default on…
Descriptors: African American Students, Student Loan Programs, Debt (Financial), Loan Default
Private Student Loans. Report to the Senate Committee on Banking, Housing, and Urban Affairs, the Senate Committee on Health, Education, Labor, and Pensions, the House of Representatives Committee on Financial Services, and the House of Representatives Committee on Education and the Workforce
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Consumer Financial Protection Bureau, 2012
American consumers owe more than $150 billion in outstanding private student loan debt. While this amount is significantly less than the amount outstanding on student loans guaranteed by the federal government, the private student loan ("PSL") product is an important component of higher education finance and does not appear to be well…
Descriptors: Student Loan Programs, Private Financial Support, Risk, Federal Aid
The Fiscal and Social Costs of Consolidating Student Loans at Fixed Interest Rates. Working Paper No. 104
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Hassett, Kevin A.; Shapiro, Robert J. – American Enterprise Institute for Public Policy Research, 2004
The federal government's student loan programs have been very successful, with two-thirds of all students or their families relying on loans provided or subsidized by the federal government. One of these student loan programs allows student borrowers to consolidate their previous loans into a single loan at a subsidized fixed rate based on the…
Descriptors: Student Loan Programs, Federal Programs, Costs, Credit (Finance)
Subsidy Estimates for Guaranteed and Direct Student Loans. A CBO Paper
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Humphrey, Justin – Congressional Budget Office, 2005
The federal government assists students and their parents in meeting the costs of postsecondary education through two student loan programs, the Federal Family Education Loan Program and the William D. Ford Direct Loan Program. Although the two programs provide similar benefits to borrowers, their structures and operations differ greatly. As a…
Descriptors: Costs, Federal Programs, Federal Legislation, Student Loan Programs