Unless legislative or judicial action is taken, the current high volume of student loans will likely encourage frequent utilization of Chapter 13 of the Bankruptcy Reform Act of 1978 for unintended purposes. (Author/IRT)

Pressure is growing for Congress to overhaul the student loan consolidation program which has allowed borrowers to lock in low interest rates over the loan life. Lenders and student groups are in opposition over the program; colleges are tending to take a neutral stance. (SLD)

Describes the student loan management program at the Divers Institute of Technology. Includes preparation of student loan portfolios, entrance interviews, midpoint interviews, and follow-up. Indicates that there must be more and better communication among lenders, secondary markets, services, guarantee agencies, students and schools to reduce the…

For millions of students, the increasing cost of a college education, combined with lower rates of growth in grant aid, have resulted in additional reliance on student loans to pay for college. The large and growing role of student loans introduces a concern that an aversion to borrowing could be limiting college enrollment choices for some…

During the three presidential debates this fall, both John McCain and Barack Obama opened by thanking their university hosts. If not for their locations, it's likely one would not have heard the words "college," "university," or "higher education" even uttered in the debates. Indeed, it wasn't until the final debate that Senator McCain mentioned…

This article reviews the implementation of the student loan scheme in China, based on results of the national survey of 100,000 student loan recipients in 2007. By calculating student expenditure on campus, analysing factors which affect family economic status and also considering the possible family contribution, the gap between students' needs…

Growing concerns about low awareness and take-up rates for government support programs like financial aid for college have recently spurred calls to simplify the application process and enhance visibility. However, little research has been done to determine whether such reforms would truly improve college access and in what form…

President George W. Bush submitted his eighth and final budget request to the Congress on Monday. Under the proposal, fiscal year 2009 discretionary spending--spending subject to annual appropriations--would be at the same level as in the prior year for domestic programs and agencies not involved in homeland security efforts. The budget request…

This Postsecondary Education Descriptive Analysis Report uses data from the National Postsecondary Student Aid Studies (NPSAS:96, NPSAS:2000 and NPSAS:04) to examine trends in Stafford loan borrowing among undergraduates. NPSAS consists of nationally representative survey data that focus on student financial aid and the enrollment and background…

In the 2008-2009 school year, about 2,000 for-profit schools received almost $24 billion in grants and loans provided to students under federal student aid programs. In the early 1990s, Congress was concerned that some for-profit schools receiving federal student aid were recruiting students who were not ready for higher education. Many of these…

The focus of the college student-aid debate in Congress has narrowed to the student loan program and the money shortage faced by the middle-income family. States are providing some $375 million in scholarship programs of their own. (Author/MLF)

Copies of the survey report are available at

In spring 1968 the College Scholarship Service of the College Entrance Examination Board decided the time had come for a thorough review of its system of analyzing the financial needs of applicants for admission to universities and colleges, particularly at the undergraduate level. Accordingly, the Panel on Student Financial Need Analysis was…

The federal government's student loan programs have been very successful, with two-thirds of all students or their families relying on loans provided or subsidized by the federal government. One of these student loan programs allows student borrowers to consolidate their previous loans into a single loan at a subsidized fixed rate based on the…