In Spring 2022, the Illinois Workforce and Education Research Collaborative (IWERC) conducted a survey of Illinois high school seniors to better understand their college-decision-making processes. Although a vast majority of seniors who answered the survey were attending 4-year or 2-year college, a non-negligible number (n = 355, 14% of the…

This paper discusses adults who are dealing with limited financial means under the premises of disability and over-indebtedness. To this end, the authors examined the concepts of vulnerability, financial literacy and the numerate environment for systematising and presenting findings from a qualitative secondary analysis of qualitative data sets…

The Office of Career, Technical, and Adult Education (OCTAE) administers and coordinates programs that support adult education and family literacy, career and technical education, correctional education, and community colleges. These programs span basic, secondary, and postsecondary education and provide pathways for individuals to obtain lifelong…

The purpose of this mixed-methods study was to examine the role of a debt mitigation program as an incentive for adult student reengagement and to ascertain students' perceptions of the institution after reenrolling in college via the program. The debt mitigation program was the first in the nation to forgive past-due student institutional debt,…

The population of adult learners with Some College, No Credential (SCNC) has risen over the years to over 40 million individuals. A smaller subset of this population has debt that they owe their institutions directly in addition to state, federal, or private loans. As of 2020, approximately 6.6 million students owed more than $15 billion in…

The problem targeted by the study was that while nontraditional students are increasingly attending college in record numbers, they are more than twice as likely as other students to drop out in their first year of study, indicating the delayed promise of degree completion may never be realized. The study focused on the opportunities and fiscal…

As the movement to tap and grow the talents of working adults continues to gain momentum, CAEL continues its thought leadership by spearheading a research partnership with Stanford Pathways Network (pathways.stanford.edu) and Strada Education Foundation. In this joint initiative, "Designing Opportunity for Working Adult Learners," the…

As student loans, the cost of college tuition, and even value of higher education remain at the forefront of public discussion, one thing remains true: Affordability is central to adult learners' academic success, and money is one of the primary reasons why adult learners stop out before they graduate. This report takes a deep dive into the…

This is the executive summary for the study "How They Pay: The Voices of Adult Learners on College Affordability, and How Institutions are Responding." The study is based on data from a national survey of 996 adult learners, in-depth interviews with 47 adults from 14 institutions, and interviews with financial aid personnel from six of…

The transition to a financialized economy has had a devastating impact on workers and consumers and exacerbated wealth and income inequality in the United States and around the world. In this article, the authors explain financialization, a two-fold economic strategy whereby individual corporations invest in the financial market- rather than make…

In dealing with over-indebtedness and poverty, numeracy appears necessary for affected persons, in order to use the scarce money available with foresight and to avoid financially negative decisions. However, numeracy as an essential part of (financial) basic education for adults has not yet been systematically taken into account in German debt…

The purpose of the U.S. Department of Education's (Department's) fiscal year (FY) 2022 "Agency Financial Report" (AFR) is to inform Congress, the President, other external stakeholders, and the American people on how the Department used the federal resources entrusted to it to advance the mission of the Department to promote student…

The purpose of the U.S. Department of Education's (Department's) fiscal year (FY) 2023 "Agency Financial Report" (AFR) is to inform Congress, the President, other external stakeholders, and the American people on how the Department used the federal resources entrusted to it to advance the mission of the Department to promote student…

The purpose of the U.S. Department of Education's (Department's) fiscal year (FY) 2021 "Agency Financial Report" (AFR) is to inform Congress, the President, other external stakeholders, and the American people on how the Department used the federal resources entrusted to it to advance the mission of the Department to promote student…

Free college programs have been around for some time, but they have proliferated in recent years, prompted by rising college costs, mounting student debt, and the United States' urgent need for a more educated workforce. But while these free college, or "promise" programs have the potential to make a higher education more affordable and…