The Department of Education's (Education) process for obtaining Temporary Expanded Public Service Loan Forgiveness (TEPSLF) is not clear to borrowers. Established in 2007, the Public Service Loan Forgiveness (PSLF) program forgives federal student loans for borrowers who work for certain public service employers for at least 10 years while making…

This article estimates the effects on depressive symptoms, family relationships, social support, and academic self-efficacy of participating in a forgivable loan program, using an instrumental variable (IV) estimation strategy. In particular, we estimate local average treatment effects (LATE) of program participation on these variables, using…

Financial aid has helped millions of students pay for their education beyond high school. This document provides information about federal and Minnesota financial aid programs, including the following sections: (1) How do I apply for financial aid?; (2) Five basic steps to apply for financial aid; (3) What types of financial aid are available?;…

The Cal State Student Association (CSSA) and The Institute for College Access & Success (TICAS) examine trends in college affordability for California State University (CSU) bachelor's degree recipients compared to its original analysis published six years ago. This new report finds that in 2021-2022, nearly two in three CSU bachelor's degree…

Educators are faced with increasing student loan debt, increasing costs of becoming a teacher, and stagnant teacher salaries. Research suggests that the structural elements of the student loan system, including systemic barriers, may act as deterrents, preventing access and opportunity, especially in the teaching profession. The profession needs…

In recent decades, several dozen colleges and universities have instituted loan-reduction initiatives (LRIs), such as "no-loan" programs. Institutions frequently cast such initiatives as efforts to increase socioeconomic diversity on campus. Using a difference-in-differences analytic strategy with national institution-level data, we…

Title IV of the Higher Education Act (HEA; P.L. 89-329), as amended, authorizes the primary programs that provide federal financial assistance (e.g., Pell Grants and Direct Loans) to students to assist them in obtaining a postsecondary education at eligible institutions of higher education (IHEs). IHEs seeking to participate in the Title IV…

Rising rates of loan-taking and default have motivated higher education institutions to expand their knowledge about students' borrowing behaviors and the influence of loan debt on students' collegiate experiences and educational outcomes. This study addresses several limitations in the literature and provides insights into this topic. Using…

This mixed-methods study investigates the real and perceived barriers that African American male Edgecombe County high school students face when considering college enrollment to inform potential interventions to improve college enrollment of this market segment. Phase I of the study design included a survey of current, African American, male…

This research study attempted to understand the implications of a last-dollar, free community college program, otherwise known as a College Promise Program, and its ability to provide educational access, academic success, and degree attainment for the neediest of students. Three research questions focused on the relationship between eligibility…

This dissertation is a collection of three essays in Public Economics. The first chapter studies the optimal design of student loans as a lever to foster the inclusion of poor students in private colleges in Brazil. The second chapter delves into understanding the consequences of affirmative action as a tool to increase the participation of…

This TICAS (The Institute for College Access & Success) issue brief explores student financial vulnerability and highlights the need for policymakers to both prioritize need-based grant aid and recognize a broader array of financial circumstances and challenges impacting students in order to better address their financial needs and reduce…

In this new Policy Note, Rachel Hewitt, HEPI Director of Policy and Advocacy, reports on the results of a new poll of students on Augar, funding and the cost of living. Key points: (1) Students' views are mixed between the current tuition fee model and Augar's recommendation to lower fees: 40% prefer the current system of £9,250 paid back over 30…

More Latino students are attending college than ever before, bringing urgency to remove financial barriers that stand in the way of their academic goals and the promise of the American Dream. As the fastest-growing group within the national and postsecondary population, Latinos are vital to our nation's prosperity and progress. Seal of…

Many Latino students believe college provides an opportunity for economic and social mobility to reach the American Dream. Latino students also demonstrate financial need and leverage various cost-saving measures to make college more affordable. Concurrently, select colleges and universities are working to improve their policies and practices to…