Administrative burden, or the frictions individuals experience in accessing public programs, has implications for whether and which eligible individuals receive aid. While prior research documents barriers to accessing federal financial aid, less is known about the extent to which state aid programs impose administrative burden, how administrative…

The Free Application for Federal Student Aid (FAFSA) is the primary gatekeeper to secure financial aid for college. The federal government instituted two changes to the process in 2017, commonly known as "prior-prior year" FAFSA: (1) an earlier start date that lengthens the filing period and (2) the ability to use completed taxes from…

The "Student FAFSA Completion Report" (2024) is submitted pursuant to Education Article § 7-212, Annotated Code of Maryland, which requires the Maryland Longitudinal Data System (MLDS) Center to annually produce an annual report, on or before December 15th of each year, beginning in 2023 and ending in 2028, on the submission and…

Paying for college is often a family affair, with both parents and students contributing. We study the effects of college on family finances using administrative data on the universe of federal aid applicants in California linked to credit records. We provide the first comprehensive analysis of how both students and their parents use debt with…

The "Student FAFSA Completion Report" (2023) is submitted pursuant to Education Article § 7-212, Annotated Code of Maryland, which requires the Maryland Longitudinal Data System (MLDS) Center to annually produce, on or before December 15th of each year, beginning in 2023 and ending in 2028, on the submission and completion of the Free…

The report examines how enrolled undergraduate students and parents of undergraduates view higher education and how they pay for it. The report considers education funding sources--from parent and student income and savings to scholarships, grants, and borrowed funds--and evaluates trends in payment strategies over time. This 17th edition provides…

The purpose of this mixed methods action research study was to implement digital outreach strategies, which would enhance students' motivation to complete financial aid requirements and scale the departments' more time-consuming counseling efforts. Using self-determination theory as the primary framework, I implemented the use of a series of…

In 2021-22, Texas implemented a policy requiring all public high school seniors to complete a financial aid application. This paper examines the early impacts of this requirement on Free Application for Federal Student Aid (FAFSA) completion rates and college enrollment using a difference-in-differences model. First, using a sample of high schools…

This mixed research study focused on the selection criterion and guidelines used by the Higher Education Students Financing Board (HESFB) in granting students loan scheme to University Students in Uganda with a sample from Makerere University. Findings revealed that the majority of the loan beneficiaries are aware of these guidelines and one to…

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,…

Despite high prices, many college students do not re-file the Free Application for Federal Student Aid (FAFSA) or file late, making college less affordable. Low-cost technological interventions delivering personalized information and/or advising may improve refiling and academic outcomes, but questions remain regarding the efficacy of this…

Approximately 43 million Americans collectively owe $1.5 trillion in federal student loan debt, but students aren't the only ones drowning in student debt. Increasingly, parents, particularly Black parents, are taking out Parent PLUS (Parent Loans for Undergraduate Students) loans and putting off retirement to help their children pay for college.…

Generally, need-based financial aid improves students' academic outcomes (Nguyen, Kramer & Evans, 2019). However, the largest source of need-based grant aid in the United States, the Federal Pell Grant Program (Pell), has a mixed evaluation record (Bettinger, 2004; Rubin, 2011; Marx & Turner, 2018; Park & Scott-Clayton, 2018;…

For 16 years, Sallie Mae has surveyed college students and parents of undergraduate students about their attitudes toward higher education and how they're paying for it. This year's report explores education funding sources--from family income and savings to scholarships, grants, and borrowed funds--and evaluates trends in payment strategies over…

After decades of frustration with increasingly complex college financial aid policies, a nationwide shift toward "free college" programs has gained momentum. New York State joined the free college movement in 2017, when Governor Andrew Cuomo announced his goal to make public higher education tuition-free for most students during his…