Scholarship programs are offered by 17 States and at least 13 offer a student loan assistance program. (Author/MF)

Present law respecting collection of federal student loans, regulatory and other sanctions against default, and strategies against bankruptcy are outlined and analyzed. (Journal availability: Columbia Journal of Law and Social Problems, Box 7, Columbia University School of Law, 435 W. 116th St., New York, NY 10027, $5.00.) (MSE)

Explored the demographic and enrollment characteristics of undergraduate borrowers, as well as their risk for not persisting to degree completion and the various types of loans and other financial aid they received. Data are from the National Postsecondary Student Aid Study. (SLD)

Disagrees with Mark Eblen's proposal that the costs of obtaining a college education should be tax deductible. College tuition is not closely analogous to other investments. Although federal subsidization of postsecondary education is desirable, a tax deduction is a poor delivery method. Government already provides subsidized state colleges,…

Economic analysis of the borrowing and repayment patterns of Canadian bachelor's-level university graduates using data from the National Graduate Survey of the class of 1990. Finds, for example, that overall women borrowed only slightly less than men, repaid as quickly as men (despite lower earnings), but reported significantly more difficulty in…

This report contains the results of a survey of Stafford Loan borrowers who were scheduled to enter repayment between September 1, 1988, and June 1, 1989. Tables show respondents' activities, occupations--by type of institution and gender, median incomes--by occupation and race, and program completion by ethnic group, etc. (Author/MLW)

A table that shows the rates of default on Stafford Student Loans at non-profit colleges, universities, vocational and technical schools is presented. The default rate represents the proportion of borrowers required to begin paying off their loans in fiscal 1987 who failed to make payments in 1987 or 1988. (MLW)

A study at California State University, Fresno investigated the relationship between Perkins' Loan recipients' (n=429) credit records, loan default rates, and age. For eight different age groups, credit checks revealed student distribution in four credit categories. Results show credit checks could have saved the program a great deal of money.…

State low-interest college loans programs for middle-class families have emerged in response to restrictions on federally subsidized Stafford Loans. The key difference between federal and state programs is that most state programs require student borrowers and cosigners to prove good credit risks, reducing loan default and making the programs…

Presents two opinions on the effect of growing federal student loan programs on college tuition: (1) that federal loans have more than tripled as a proportion of the total cost of attendance, while tuition rates have skyrocketed, indicating a connection; and (2) that no reliable evidence shows undergraduate tuition has risen to capture more…

Discusses the effects on college students of working and borrowing money to cover school costs, specifically looking at academic achievement. Suggests working may be more of a problem, while borrowing may be less than previously thought. Recommends integrating financial and academic counseling to help students plan how to balance their financial,…

To alleviate the teacher shortage on modest budgets, school districts can help young teachers get out of debt. Required monthly payments on student loans effectively make teachers' salaries even smaller. Payments of $500 to $1,000 made yearly to teachers' student-loan accounts would phase out after loans are paid in full. (MLH)

The student loan default rate was 9.6% in 1996, a decline of 12.8% since the 1990 peak, saving the federal government $3 billion over six years. Since 1993 the Department of Education has barred 1065 institutions, mostly for-profit trade schools, from participating in federal student loan programs; institutions with a 40% default rate can lose…

Examined the influence of student debt load on college persistence using data from the National Postsecondary Aid Survey of 1992-93 and a model of student persistence that includes either total accumulated debt or threshold of accumulated debt. Findings indicated threshold of accumulated debt was a more effective method of examining student debt…

Explores the need for the higher education community to rethink the structure of higher education finance from its basic foundations. Suggests that future research focus on how the method of delivery of public subsidies--across-the-board subsidies, in-school interest subsidies on student loans, or Pell Grants--influences their effectiveness for…