On August 24, 2022, President Biden announced that his administration would be cancelling $10,000 -- $20,000 of student debt for middle- and lower-income borrowers. Naturally, this announcement has unleashed a wave of follow-up questions among borrowers. This fact sheet is intended to help Californians with student loans navigate the process of…

In December 2023, TICAS published new research on the College Affordability Gap--the gap between students' total cost of attendance and non-loan aid available to them--in California, Michigan, and New York, with a focus on students eligible for Pell Grants. Our new report builds on this research with data from nine additional states (Colorado,…

This is the technical documentation for the report, "How the College Cost Reduction Act Could Threaten the Teacher Pipeline." The College Cost Reduction Act would overhaul the Higher Education Act, making changes to student borrowing and repayment, borrower protections, college oversight, postsecondary data, and more. The bill includes a…

A functioning and equitable college transfer pipeline can help students to lower college costs, minimize student debt, and get credit toward a four-year degree. These benefits are crucial for students and families who pursue postsecondary education for upward economic mobility. However, in the face of a complex maze of policies and practices that…

The Tuition Assistance Program (TAP) is New York's primary aid program, accounting for 80 percent of state financial aid awards to students attending public, private non-profit, and for-profit higher education institutions in the state. TAP is available to students attending two-year or four-year degree granting programs as well as students…

This year, The Institute for College Access & Success (TICAS) Michigan Student Advocacy Fellows focused their advocacy on expanding resources for students to cover rising non-tuition costs associated with higher education. As their culminating project, the students conducted a survey assessing the impact of non-tuition costs on Michiganders…

This fact sheet focuses on how adult students in Michigan are accessing, affording, and completing postsecondary credentials. Adult learners are adult individuals, often considered to be aged 25+, who return to education, often at the high school and undergraduate levels. [This fact sheet was prepared with the Michigan Center for Adult College…

The higher education to workforce pipeline is crucial for our country's economic growth and longevity. However, almost half of students who enroll in college fall off and never complete. The outcomes are even starker for students from low-income backgrounds who face high levels of unmet needs and barriers to completion while in school. Ensuring…

Institutional debt, also referred to as direct-to-school debt, is debt owed by students to their college or university for unpaid tuition, fees, room and board, education benefit overpayments, or fines. Unpaid tuition is the most common debt and can arise if a student enrolled with the expectation of aid that did not come through, or if a student…

TICAS partnered with higher education researcher Dr. Donald E. Heller to examine the "affordability gap" that students are facing when paying for college. The report uses federal data to determine the so-called "college affordability gap" in three states--California, Michigan, and New York--with a focus on students who are…

Graduate borrowing makes up a growing share of today's student loans, with about half of all student loan debt borrowed for graduate programs. Average graduate borrowing has grown by about 7 percent for master's degrees and 11 percent for professional degrees over the last 5 years. Borrowing varies widely by field of study and institution type,…

Five years after our 2019 analysis of student borrowing rates across the University of California (UC) system, TICAS partnered with the University of California Student Association (UCSA) again to evaluate the state of affordability and student debt for undergraduates at the UC, and their implications for student success. While our analysis finds…

TICAS' 2025 Federal Policy Agenda advises members of the 119th Congress on how to strengthen the nation's higher education system to ensure a college degree is both accessible and affordable. Our higher education system faces extensive challenges, but a postsecondary credential remains the most reliable path to economic mobility, and the economy…

The College Cost Reduction Act would overhaul the Higher Education Act, making changes to student borrowing and repayment, borrower protections, college oversight, postsecondary data, and more. The bill includes a new proposed risk-sharing model that would require colleges to repay the federal government for a calculated proportion of their…

In a joint report released today, The Institute for College Access & Success (TICAS) and The Education Trust-West urge California lawmakers to keep their promise in ensuring educational equity for BIPOC students and students with the greatest need by investing in Cal Grant Reform starting in the 2023-24 state budget. "Investing Equitably…