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.…

We used Critical Discourse Analysis to examine the racial discourse within recent attempts to reauthorize the Higher Education Act. Specifically, we interrogated congressional markup hearings to understand how members frame student debt and the racialized dynamics embedded within. Our findings highlight three types of discourse: "All…

Bankruptcy reform in 2005 restricted debtors' ability to discharge private student loan debt. The reform was motivated by the perceived incentive of some borrowers to file for bankruptcy under Chapter 7 even if they had, or expected to have, sufficient income to service their debt. Using a nationally representative sample of millions of anonymized…

The higher education narrative has been dominated by the student loan crisis as of late. While the magnitude of this problem is often oversold, borrowers do sometimes need help. However, debt forgiveness plans, such as those proposed by Sens. Bernie Sanders (I-VT) and Elizabeth Warren (D-MA), deliver the biggest benefits to those who need it…

The U.S. Department of Education's three-month delay in launching the new Free Application for Federal Student Aid (FAFSA) form and the subsequent lack of continuous access, ambiguities in the form, and data reporting errors have resulted in a significant decline in form completions for 2024. The analysis in this report--a first-of-its kind study…

The purpose of this revelatory case study is to explore how the DACA Initiative (DI) transformed the School of Medicine (SOM) beyond just changing student demographics. In this research, I specifically explored if, through the DI, SOM organizationally changed enough to be considered transformative change in its efforts to enhance the acceptance…

Objective: Determine relationships between college students' student loan presence and self-rated physical and mental health, major medical problems, mental health conditions, physical, dental, and mental health care visits and delays, and medication use and reductions. Participants: A total of 3,248 undergraduates at two regional public U.S.…

College affordability is a significant factor in student access, retention, and completion. Tuition and fee rates are a component of affordability, as is the availability of financial aid programs from federal, state, institutional and private sources, among other factors. Strategically designed approaches to college affordability can better…

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…

This article draws on existing research, including publicly available data, to identify changes in Colombian HE which have led to its progressive massification and neoliberalisation. These include the introduction of standardised testing; endogenous and exogenous privatisation (Ball and Youdell, 2007); the expansion of the country's non-income…

This study examined the relationship between financial stress and student retention for post-secondary students. Data from 2014 collected at a Pacific Northwest University using The Ohio State's National Student Financial Wellness Study were used to examine the students' reported levels of stress related to finances. Students reported the most…

The William D. Ford Federal Direct Loan (Direct Loan) program is the single largest source of federal financial assistance to support students' postsecondary educational pursuits. The U.S. Department of Education estimates that in FY2025, $93.1 billion in new loans will be made through the program. As of the end of the third quarter of FY2024,…

In early 2020, in response to the emerging COVID-19 pandemic, the Trump Administration declared a public health emergency under the Public Health Service Act, a national emergency under the National Emergencies Act, and a nationwide emergency under the Robert T. Stafford Disaster Relief and Emergency Assistance Act. Congress and the U.S.…

The Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: (1) the William D. Ford Federal Direct Loan (Direct Loan) program; (2) the Federal Family Education Loan (FFEL) program; and (3) the Federal Perkins Loan program. While new loans are currently authorized to be made only…

We explore the role of defaults and choice architecture on student loan decision-making, experimentally testing the impact pre-populating either decline or accept decisions compared to an active choice, no pre-population, decision. We demonstrate that the default choice presented does influence student loan borrowing decisions. Specifically,…