Despite substantial investments in financial aid programs, the available aid often falls short of covering the total cost of attendance (Hanson, 2023). Today, college expenses represent 30% of the annual median family income, pushing many students to rely on loans to finance their education (US Census Bureau, 2023). Among student loan borrowers,…

This monograph explores how homelessness intersects most social issues that marginalize individuals and negatively influence postsecondary completion, including poverty, foster care, and LGBTQ+ (lesbian, gay, bisexual, trans*, queer/questioning, and others) discrimination. As becomes evident, students experiencing homelessness should be considered…

Most high school reform efforts understandably focus on boosting the success of low-income students who are underachieving academically, but in every school district where students struggle, there are academically capable low-income and minority students who do graduate prepared for college. Yet each year, many of these students choose to attend…

The Federal Pell Grant Program provides grants to undergraduate students who have financial need and meet the other requirements for Federal Student Aid. Schools do not have to make decisions about who gets Pell funds or how much they receive. The Department of Education pays Pell funds to all eligible students, and formulas determine how much…

This volume lists the unique codes assigned by the Department of Education to all postsecondary institutions (public, private, and proprietary) participating in the student aid program under Title IV of the Higher Education Act. The list is organized by state, and alphabetically by institution within each state. Introductory information details…

This guide presents information on the procedures for peer review of grant applications. It begins with an overview of the review process for grant application submission and review. The review process includes: (1) pre-submission procedures that enable the Institute to plan for specific review sessions; (2) application processing procedures; (3)…

This publication is intended to help postsecondary schools understand draft cohort default rate data. It explains how the Department of Education calculates cohort default rates, the effect of cohort default rates, and how to read cohort default rate loan record detail reports. Also, it reviews electronic reports available from the Department of…

A study of the financial aid applications of 2,979 parents of college students and of 136 independent students filing both actual and estimated income data on the applications found that contrary to Department of Education assumptions, procedures for income verification established by individual colleges produce effective and efficient results.…

A study at California State University, Fresno investigated the relationship between Perkins' Loan recipients' (n=429) credit records, loan default rates, and age. For eight different age groups, credit checks revealed student distribution in four credit categories. Results show credit checks could have saved the program a great deal of money.…

The Federal Work-Study (FWS) Program allows undergraduate and graduate students to work part-time to help pay for the cost of their education. Schools must use 75% of their FSW Program funds to compensate students employed in community service jobs. This volume describes the ways schools are required to use money from FSW program funds to…

This publication, written in Spanish, describes financial aid programs of the U.S. Department of Education and advises students about paying for college. It outlines things a student should ask about college and how to obtain financial aid, whether grants, work-study, or loans. Chapters provide information on: (1) "Education after High School";…

This publication describes financial aid programs of the U.S. Department of Education and advises students about paying for college. It outlines things a student should ask about college and how to obtain financial aid, whether grants, work-study, or loans. Chapters provide information on: (1) "Education after High School"; (2)…

This section of the 2002-2003 Federal Student Aid Handbook is intended for financial aid administrators and counselors who are helping students in the initial phases of the student aid process as they file the Free Application for Federal Student Aid (FAFSA), verify the information they submit, and make corrections and changes to FAFSA…

This publication is intended for financial aid administrators and counselors who are helping students in the initial phases of the student aid process as they file the Free Application for Federal Student Aid (FAFSA), verify the information they submit, and make corrections and changes to FAFSA information. The material in this guide was part of…

This report evaluates the Teacher Education Loan Program in Ohio based on an analysis of survey responses of 57 recipients and 47 non-recipients of these loans in 1990-91. Data were also obtained from administrators of the program and publications and statistics provided by the program. Questions asked were intended to discover the program's…