The William D. Ford Federal Direct Loan (DL) program, authorized under Title IV, Part D of the Higher Education Act of 1965 (HEA), as amended, is the primary federal student loan program administered by the U.S. Department of Education (ED). The program makes available loans to undergraduate and graduate students and the parents of dependent…

Since the onset of the COVID-19 crisis, public colleges and universities have prioritized the health and safety of students, faculty, staff and visitors while continuing to offer an exceptional, affordable learning environment. Public higher education has been agile and responsive. In March 2020, the state system institutions transitioned more…

COVID-19 and the response to the pandemic in Oklahoma and the nation mark this as an unprecedented time in American history. Oklahoma's state system of higher education has responded to the challenges created with flexibility and innovation, transitioning more than 173,000 students to virtual, online, and alternative course delivery formats for…

The Oklahoma State Regents remain completely committed to maintaining the accessibility and affordability of public higher education for all Oklahomans and increasing the number of college graduates to provide the educated workforce our state requires to be competitive in a dynamic, global economy. This annual report reflects the significant…

The author has spent much of his working life studying and promoting student loans. As a good liberal Democrat, he spent years arguing for the expansion of the old Federal Family Education Loan Program (FFELP) which had its roots in Lyndon Johnson's War on Poverty. His professional life included stints working for one of the nonprofit FFELP…

The credit market in the United States currently suffers from a rare and serious disruption. Once flowing with liquidity, the creativity and vibrancy of these markets helped fuel an economy that had been the envy of the world. Poor repayment performance in the subprime mortgage market has now reduced the availability of funds needed for other…

This book presents information on two major federal loan programs: the Federal Family Education Loan (FFEL) program and the William D. Ford Federal Direct Loan Program (FDLP). It is designed to provide information on borrower and lender activity, presenting factual and statistical data on the various FFEL program and FDLP loan components that…

This report addresses concerns raised by the Committee on Health, Education, Labor, and Pensions of the U.S. Senate on : (1) the number and cost of trustee arrangements providing student loans and their shared characteristics; (2) the benefits and protections afforded the federal government through use of trustee arrangements; and (3) the effect…

This Braille publication discusses federal student aid programs for postsecondary education and how to apply for them. It outlines sources for finding out about student aid and presents general information about federal student aid, including eligibility in terms of need and dependency status, the application process, deadlines, and important…

This Braille publication discusses federal student aid programs for postsecondary education and how to apply for them. It begins by outlining sources for finding out about student aid and offers tips for choosing schools carefully. The guide presents general information about federal student aid, including eligibility in terms of need and…

This report addresses the dollar savings described in the Government Accounting Office's (GAO) report supporting direct lending as opposed to the present guaranteed student loan program. The critique explains the changes in the GAO model assumptions and projections that are believed necessary to move from the original $4.8 billion savings to a…

This booklet, designed to help Colorado higher education students make informed decisions about undertaking educational loans, contains information on determining a reasonable debt level, budgeting future expenses, and available loan programs. Following an introduction, Part 1 introduces the reader to the basics of educational loans including…

This publication compares the borrowing patterns of undergraduate students surveyed in the National Postsecondary Student Aid Studies of 1989-90, 1992-93, and 1995-96 who received federal Family Education (Stafford) or Supplemental Loans for Students, based on data from the National Student Loan Data System. The primary purpose of the study was to…

This report on student indebtedness is based primarily on a current study which is measuring the average Stafford loan balance facing students, as well as indicators of payment stress. The study is based on data on about 325,000 loans from the USA Group's entire loan servicing portfolio, which includes both subsidized and unsubsidized Stafford…

This guide, written in Spanish, describes federal student aid programs for postsecondary education and how to apply for them. It begins by outlining sources for learning about student aid, such as school financial aid administrators, state higher education agencies, foundations, organizations related to particular fields of interest and toll-free…