In 2006, the federal government effectively uncapped student borrowing for graduate programs with the introduction of the Graduate PLUS loan program. Access to additional federal loans increased graduate students' borrowing and shifted the composition of their loans from private to federal debt. However, the increase in borrowing limits did not…

In August 2022, the U.S Department of Education (ED) announced it would invoke the Higher Education Relief Opportunities for Students Act of 2003 (HEROES Act) to cancel up to $20,000 of federal student loan debts for borrowers who fell below certain income thresholds. The HEROES Act authorizes the Secretary to "waive or modify" statutory…

Each year, NASSGAP completes a survey regarding state-funded expenditures for postsecondary student financial aid. This report provides data regarding state-funded expenditures for student financial aid and illustrates the extent of efforts made by the states to assist postsecondary students. Information in this report is based on academic year…

The purpose of the current study was to examine the experiences of Latinx students with their student loan debt. Guided by McKinney et al.'s (2015) Student Borrower Behavior and Attitudes model, we framed our study around the following themes: "sources of information," "rationale for borrowing," and "the burden of…

For many high school students, the cost of attending college poses a major barrier to continuing their education. Federal student aid provided through Pell grants, work study, and loans can offer students with low incomes an avenue toward receiving a postsecondary education. But for students to be eligible for federal student aid, they need to…

Non-traditional students disproportionately enroll in institutions with weaker graduation and earnings outcomes. One hypothesis is that these students would have made different choices had they been provided with better information or supports during the decision-making process. We conducted a large-scale, multi-arm field experiment with the U.S.…

As of March 2019, 43 million Americans held student loans provided through federal government programs, the largest segment of the education loan market. But this system is under pressure as more borrowers struggle to repay, a problem compounded by the complexity of the repayment process. Research on the pathways borrowers take through the…

Student loan debt and institutional student loan cohort default rates (CDR) have been one of the main topics of interest in colleges and universities in the most recent years and the impact of CDR's have played a major role in the strategic planning efforts by higher education administrators. The costs for tuition, fees, room and board for…

Systemic challenges for the Texas teacher workforce result from a large yearly demand for new teachers, exacerbated by high and climbing teacher attrition rates. As a result of these challenges, a large majority of new teachers are now hired before they complete preparation. Assigned disproportionately to students from low-income families and…

The early college high school (ECHS) model is a postsecondary attainment strategy with a uniquely robust evidence base of research that demonstrates its effectiveness. Despite the proven track record of success, many states either do not offer ECHS opportunities or have a limited number of programs. However, two states -- North Carolina and Texas…

This report summarizes teacher workforce challenges and recent initiatives in Texas that are shaping the state of the educator workforce in important ways. Ongoing teacher shortages have led to the creation of a wide range of pathways into the profession, featuring varying types and amounts of training. A growing body of research demonstrates that…

College students at 14 Hispanic-Serving Institutions (HSIs) in New Mexico and Texas were surveyed about their experiences in and perceptions of higher education. Three primary foci were students' employment status, work commitments, and means of financing college. Most of the informants reported working while in college and, similar to previously…

The transition from high school to postsecondary education is one of the most important points in a student's educational journey. Yet, as students attempt to navigate the many steps involved in accessing postsecondary education, it is also a juncture where students are most at risk of falling off track. The responses to the COVID-19 pandemic --…

States invest heavily in education, providing funding either directly or in the form of financial aid from preschool through college, with positive outcomes from those impacting nearly every other area of public policy, particularly the workforce. To understand and assess results, states collect and analyze information about these investments at…

Trellis' Student Financial Wellness Survey (SFWS) seeks to document the financial well-being of post-secondary students and provide institutions with a detailed profile of the financial issues their students face, some of which could potentially impact their success in college. This report details aggregated findings for the 89 colleges and…