People convicted of crime are often treated as atomistic individuals by the criminal justice system, ignoring the fact that they are largely embedded in social networks. Research shows that family members are often negatively impacted by their relatives' punishment despite not breaking any laws themselves. These detrimental effects of punishment…

In August 2022, the U.S Department of Education (ED) announced it would invoke the Higher Education Relief Opportunities for Students Act of 2003 (HEROES Act) to cancel up to $20,000 of federal student loan debts for borrowers who fell below certain income thresholds. The HEROES Act authorizes the Secretary to "waive or modify" statutory…

Since 2012, many Title IV institutions of higher education have sent their students debt letters to inform them of their outstanding loan amounts, estimated or real monthly payments, and other loan-related information. However, no extant research has analyzed whether these letters are written at an appropriate level for college students, nor has…

Although student loan debt has been rigorously studied over the past several decades, scant research has investigated how institutions of higher education communicate debt to current and former student borrowers. As COVID-19 forced the United States Department of Education to cancel the Annual Student Loan Acknowledgement as part of a student's…

Monetary sanctions, also known as legal financial obligations (LFOs), are a highly consequential yet underexplored element of the criminal legal system. LFOs consist of fines, fees, costs, restitution, surcharges, and other financial penalties that are imposed on individuals when they encounter the criminal legal system. Drawing on data from a…

Most public school teachers in the United States are enrolled in defined benefit (DB) pension plans. Using administrative microdata from four states, combined with national pension funding data, we show these plans have accumulated substantial unfunded liabilities--effectively debt--owing to previous plan operations. On average across 49 state…

Most public school teachers in the United States are enrolled in defined benefit (DB) pension plans. Using administrative microdata from four states, combined with national pension funding data, we show these plans have accumulated substantial unfunded liabilities--effectively debt--owing to previous plan operations. On average across 49 state…

A prominent concern is that college students are harming their long-term economic prospects by making student loan decisions without full information about the implications of their choices. We designed an experiment to examine students' responses to a debt letter, an increasingly popular strategy to provide easily accessible information about…

In 2016, a higher education task force of St. Louis Graduates (STLG), a collaborative network whose mission is to increase degree completion for low income students, first-generation students, and students of color from St. Louis, commissioned this study from the Illinois Education Research Council (IERC). Through discussion, the following goals…

The higher education landscape is becoming increasingly more adverse for students of color, first-generation students, and low-income students. Postsecondary enrollment and completion rates for traditionally underrepresented populations continue to be disproportionately lower than for their more advantaged peers (Chen & Carroll, 2005; Nunez…

In 2016, a higher education task force of St. Louis Graduates (STLG), a collaborative network whose mission is to increase degree completion for low income students, first-generation students, and students of color from St. Louis, commissioned this study from the Illinois Education Research Council (IERC). Through discussion, the following goals…

In the United States, approximately 65 percent of all jobs in 2020 will require some level of postsecondary education, and the demand will reach 68 percent in Iowa. This report seeks to inform public discourse on higher education by providing key performance indicators relevant to the goal of improving educational attainment for a healthy economy…

In the United States, approximately 65 percent of all jobs in 2020 will require some level of postsecondary education, and the demand will reach 66 percent in Missouri. This report seeks to inform public discourse on higher education by providing key performance indicators relevant to the goal of improving educational attainment for a healthy…

This report portrays various performance indicators that are intended to facilitate an assessment of the postsecondary education system in Missouri. Descriptive statistics are presented for Missouri and five other comparison states as well as the nation. Comparison states were selected according to the degree of similarity of population…

This report portrays various performance indicators that are intended to facilitate an assessment of the postsecondary education system in Michigan. Descriptive statistics are presented for Michigan and five other comparison states as well as the nation. Comparison states were selected according to the degree of similarity of population…