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…

Using data from four waves of the National Postsecondary Student Aid Study (NPSAS) in 2004, 2008, 2012, and 2016, this study examines the effect of the PGIB on veterans' student loans. Results indicate that the PGIB has significantly affected veteran students' borrowing behavior, with an average $1,100 reduction in Stafford Loans. Veteran students…

The 2011 Budget Control Act eliminated the in-school interest subsidy for graduate and professional students borrowing under the Stafford Loan Program. As a result, starting on July 1, 2012, graduate and professional students borrowing Stafford Loans became responsible for the interest accruing during their in-school deferment period. This study…

Despite an increase in enrollments across public and private higher education sectors, Black/African American and Hispanic students in graduate and professional programs are disproportionately affected by educational debt. Using nationally-representative data from NPSAS:2000 and NPSAS:2016, findings show that, in general, Black/African American…

This study examines how primary funding sources during doctoral program including loans, RAships, TAships, fellowships, and personal/family support, are associated with career outcomes among STEM doctoral graduates. Using the 2013 Survey of Earned Doctorates (SED) data commissioned by the NSF, we conducted a series of logistic and multinomial…

A hallmark of English higher education (HE) over the last twenty years has been policies seeking to increase provider competition and student choice. Central to this has been student funding policy changes, leading to rising college costs. This article asks if prospective HE students' concerns about college costs and the financial strategies they…

Student out-migration is a well-studied topic covering more than 40 years of research. This literature has typically equated student out-migration to out-of-state enrollment and has classified all college attendance taking place in students' state of residence as in-state enrollment. This study argues that failing to capture students'…

Policy makers and state representatives have claimed that, compared to the traditional path to a four-year degree, a course of study that begins in the 2-year sector provides a more affordable option. If this is true, then all else equal, 2-year students who obtained a 4-year degree would be expected to have acquired less student loan debt. To…

Reviewing three key areas of literature in our field (college choice, state policy, and faculty) the article identifies gaps that we can fill by reembodying and repoliticizing "choice," by which is meant moving beyond the individualized and "neutral" market logic in addressing the actions of collective entities in relation to…

This article examines debt burden among college graduates and contributes to previous research by incorporating institutional and state characteristics. Utilizing a combination of national datasets and zero-one inflated beta regression, we find several major themes. First, family income and college experiences are strongly associated with the…

Much of the focus of research on the impact of financial aid (debt in particular) has focused on undergraduate students. It is equally important to understand the impact of financial aid on graduate students, particularly since graduate students incur much higher levels of debt due to their prolonged time in higher education and because the rate…

Used data from the Baccalaureate and Beyond Study (1993-1994) to examine the relationships student background characteristics, collegiate performance, and financial indebtedness have with the decisions of recent bachelor's degree recipients to enroll in graduate or first professional school. Findings show the importance of student debt. (SLD)

To evaluate their financial health, a growing number of colleges, universities, and other nonprofit organizations are using financial ratio analysis, a technique used in business. The strengths and weaknesses of ratio analysis are assessed and suggestions are made on how nonprofits can use it most effectively. (Author/MLW)