College has never been so necessary or so expensive for Americans. Rising costs, state disinvestment, declining household incomes, and grant aid that has not kept pace lead more students to borrow, and borrow more, to go to school. While federal student loans are the safest option for students who need to borrow, rising student loan debt has…

This brochure provides details about types of federal student aid, federal student aid eligibility requirements, other types of financial aid and sources for additional funding, and key points to consider when taking out a student loan.

Since 1997, education tax benefits have become an increasingly important component of federal higher education policy. For the 2019 and 2020 tax years, 12 tax benefits are available for college students and their parents to help pay for higher education. In 2025, absent legislative action, this number will increase to 13: two provisions which are…

Nebraska Revised Statute § 85-1416(2)(c) requires the Coordinating Commission for Postsecondary Education (CCPE) to prepare biennially the "Tuition, Fees, and College Affordability Report." College affordability is an important component of the Commission's "Comprehensive Statewide Plan for Postsecondary Education," which…

With the cost of college soaring and the national six-year completion rate below 60 percent, the federal government's support for higher education faces heightened scrutiny. What kind of regulation and accountability should Congress impose on Washington's hefty funding of Pell grants and subsidized loans? As legislators turn their attention to…

About seven million undergraduates each year rely on federal loans to enroll in and complete college Many students find that student loans are an excellent investment in their future and are able to successfully repay their loans. Others struggle to make payments, or make payments that do not keep up with accruing interest. This factsheet focuses…

This brief examines two types of state service-contingent aid programs: conditional grants/loans and loan forgiveness. Conditional grant or loan programs provide a financial award to currently enrolled students and, in exchange for receipt of the award, students must fulfill certain service or work requirements after graduating from college. Loan…

Students and families confront a detrimental lack of information and transparency when making one of the biggest financial decisions of their lives: paying for college. The report analyzed thousands of financial aid award letters and found not only that financial aid is insufficient to cover the cost of college for many students, but also that…

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…

Public higher education produces many benefits that are vital to the New England economy, but it is increasingly at risk following years of state budget cuts. In 2017 in New England, real per-student state funding for higher education was lower than it was in 2008, with a double-digit decline in each of the region's states except Maine. States…

The federal student loan program is needlessly complex, fails to offer an effective safety net for borrowers in financial difficulty, and distributes the largest benefits to borrowers who need them the least. Worse, the safety net designed to support borrowers in financial difficulty, income-based repayment (IBR), has failed to meaningfully reduce…

The complex financial choices students must make are compounded by the fact that, for decades, the cost of college has been rising far faster than incomes. Between 2004-2005 and 2015-2016, prices for undergraduate tuition, fees, room, and board at public institutions rose 34 percent, after adjustment for inflation. Students and their families have…

Participating in higher-level study offers recognised benefits both for the student and the prison and has been proven to reduce reoffending. However, prisoners are restricted from applying for student loans until they are within six years of release. Allowing prisoners to commence their studies earlier in a long sentence could increase student…

Many worry that student loans are a drag on the economy, particularly the housing market. Analyses from the Federal Reserve Bank of New York, cited by leading economists, do not provide compelling evidence for this hypothesis. The New York Fed data contain no information about education. As a result, their analyses contrast the home ownership rate…

At a time when student loan debt continues to mount for many, the Public Student Loan Forgiveness (PSLF) program--established in 2007 and administered by Education--is intended to encourage individuals to pursue careers in public service. Senate Report 116-48 included a provision for the Government Accountability Office (GAO) to study the…