This essay synthesizes the most recent and rigorous research on student loan debt. It focuses on basic questions about who borrows, how much, and whether debt affects behaviors. Answers to these questions are necessary for informing federal student loan policymaking, yet the research findings are surprisingly mixed because of poor data quality,…

Perhaps, education is the most vital public service needed to sustain the socio-economic stability of the individual in the society. However, there is a widespread concern over the rising costs of higher education which threaten every student desiring to enter college and pre-empted them to discontinue their studies. This renders higher education…

The education loan programme since its inception has been rapidly growing both in terms of number of students who have taken education loans for pursuing higher education and the amount of education loans released. Nevertheless, these financing mechanisms of higher education do not appear to improve access and equity in the higher education system…

The cost and the value of higher education, the short- and long-term impact of student debt, the role of career preparation, and accountability for student outcomes are the subject of intense and increasing examination and debate. As challenging as these times may be, it is still imperative to maintain access, be cost effective, be contemporary in…

While the literature on postsecondary student success identifies important academic and social factors associated with student outcomes, one question that persists concerns the influence of financial aid. We use the National Student Clearinghouse's StudentTracker service to develop a more complete model of student success that accommodates…

This study builds on the work of scholars who have explored psychological perceptions of the student loan experience. Survey analysis ("N" = 175) revealed a multidimensional model was developed through factor analysis and testing, which revealed four latent variables: "Duress," "Mandatory," "Financial," and…

The National Association of Student Financial Aid and Administrators (NASFAA) Consumer Information Task Force was convened to conduct a thorough review of the current student consumer information requirements and propose ways to streamline both the content and delivery of those requirements. The proposals in the this report were produced for…

The purpose of this regulatory action is to amend the regulations governing the William D. Ford Federal Direct Loan (Direct Loan) Program (§ 685.200 of title 34 of the Code of Federal Regulations (CFR)). These regulations strengthen and improve administration of the Federal Direct PLUS Loan Program authorized under title IV of the Higher Education…

These proceedings contain the papers and posters of the International Conferences on: Educational Technologies 2022 (ICEduTech 2022), Sustainability, Technology and Education 2022 (STE 2022), Internet Technologies & Society 2022 (ITS 2022), and Applied Management Advances in the 21st Century 2022 (AMA21 2022) held virtually, from December…

This report compiles the research on racial disparities both in the use of student debt and in higher education outcomes, specifically focusing on disparities between white students and Black students. In order to do so, the authors bring together two streams of research that are often siloed: research from experts on higher education access and…

Although diversity in higher education has continued to increase over the past 20 years, colleges and universities continue to enroll Black, Latinx and American Indian students in bachelor's programs at low rates; additionally, more selective institutions and high-demand fields of study are less likely to enroll these students, and they often are…

The COVID-19 health crisis has laid bare the structural inequity in the financial aid system. The pandemic has hit the lowest-income students hardest, with many struggling to afford the basic technology for online learning on top of new or exacerbated food and housing insecurity. Federal and state dollars predicated on Pell Grant eligibility, time…

The purpose of the United States Department of Education's (Department) fiscal year (FY) 2020 "Agency Financial Report" (AFR) is to inform Congress, the President, other external stakeholders, and the American people on how the Department used the federal resources entrusted to it to advance the mission of the Department to promote…

Some students from low-income families are unable to pay their college costs without experiencing material hardship. What they do to make ends meet (e.g., go hungry and homeless) inhibits learning and discourages persistence. Strategic college leaders are investigating the needs of their students and drawing on the strengths of their institutions…

This issue of "Policy Insights" reviews the results of the Western Interstate Commission for Higher Education's (WICHE) annual survey of tuition and fees at public colleges and universities in the WICHE region and discusses related policy implications. Overall, tuition and fees in the WICHE region increased relatively little in 2015-16…