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…

Drawing on data from the Beginning Postsecondary Students Longitudinal Study (BPS:04/09) and the Postsecondary Education Transcript Study (PETS), this study examined the risks associated with losing credits in the process of transferring between colleges. The effects of credit loss are considered on the timing of degree completion and student loan…

This paper studies the patterns of individuals' student loan repayment for up to 12 years, tracking borrowers through the formative ages of the early 20s to the late 30s. Using social sequence and cluster analysis to understand these longitudinal repayment histories, we identify five archetypes of loan repayment that describe borrowers'…

This research aims to explore the relationship between reverse transfer and degree attainment by addressing the following questions: (1) What are the predictors of reverse transfer? (2) Does reverse transfer affect degree attainment within six years of initial enrollment or college attendance and cumulative loan debt in the sixth year? and (3) Is…

Dual enrollment (DE) programs allow high school students to take college coursework and simultaneously earn both high school and college credit. These programs have become increasingly popular in recent decades, with roughly one-third of high school students taking at least one DE course. However, the financial implications of taking DE courses…

Objectives/Research Question: This study aims to explore who transfers between 2-year colleges (lateral transfer students) and how these students fare in terms of degree attainment. More specifically, this research explores two research questions: (1) What are the predictors of lateral transfer? (2) Is lateral transfer associated with degree…

Deregulation of for-profit colleges led to a precipitous rise in enrollments from 1990 to 2010. Since 2010, regulation, investigations, and sanctions have led to enrollment declines in for-profit postsecondary institutions. Initially barred from receiving Title IV federal funds, in the form of Pell Grants and Stafford Loans, for-profit colleges…

The federal student aid system has emerged as the primary source of funding for students pursuing a wide range of subbaccalaureate credentials. But the eligibility rules for federal student aid, offered under Title IV of the Higher Education Act, require a minimum program length of 600 hours for Pell grants, despite little evidence showing that…

Objective: The purpose of our study was to identify the factors associated with federal loan default among a nationally-representative sample of community college students. The guiding research question was: For community college students who borrow federal loans, to what extent do demographic, academic, and enrollment characteristics relate to…

A previous "Evidence Speaks" report described the high rates at which student loan borrowers default on their repayment within 12 years of initial college entry, often on relatively modest amounts of debt. A striking pattern emerging from that and other prior work is how dramatically default rates vary by institution sector and by…

More community college students are taking out loans than ever before and their median debt levels are increasing. This trend is disconcerting because community college borrowers are overrepresented among loan defaulters and those who dropout without having earned a degree. While not without criticism, a growing number of community colleges are…

When planning for college, students face a range of constrained choices governed in part by variation among institutions. What are the economic consequences of those decisions and constraints during and after college? We know borrowing patterns vary by institutional sector, yet colleges within a sector vary considerably by admission and graduation…

This First Look report presents selected findings from the 2012/17 Beginning Postsecondary Students Longitudinal Study (BPS:12/17), a nationally representative survey of undergraduates who entered postsecondary education for the first time in the 2011-12 academic year. BPS:12/17 covers the experiences of these first-time beginning postsecondary…

Completing the Free Application for Federal Student Aid (FAFSA) is the first and most important step for students to receive their portion of the billions of grant aid dollars disbursed in federal student financial aid; however, every year many low income and community college students fail to complete the FAFSA. Over the past twenty years,…

Private for-profit institutions have been the fastest growing part of the U.S. higher education sector. For-profit enrollment increased from 0.2 percent to 9.1 percent of total enrollment in degree-granting schools from 1970 to 2009, and for-profit institutions account for the majority of enrollments in non-degree granting postsecondary schools.…