Download or read book Federal Student Loans Patterns in Tuition Enrollment and Federal Stafford Loan Borrowing Up to the 2007 8 Loan Limit Increase written by and published by DIANE Publishing. This book was released on with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Federal Student Loans written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-05-14 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Federal Student Loans: Patterns in Tuition, Enrollment, and Federal Stafford Loan Borrowing Up to the 2007-08 Loan Limit Increase
Download or read book Federal Student Loans written by George A. Scott and published by . This book was released on 2011 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although a postsecondary education is vitally important to many individuals and the nation's ability to compete globally, high college tuition rates are prompting concerns that it may remain an elusive goal for some. To help students finance their education, Congress recently raised the ceiling on the amount individual students can borrow under the federal Stafford Loan program (referred to in legislation as "loan limits"). Congress initially did so for first- and second-year undergraduate students as well as for graduate and professional students in academic year (AY) 2007-08, and subsequently for all qualified undergraduate students receiving unsubsidized Stafford loans in AY 2008-09. The Ensuring Continued Access to Student Loans Act of 2008 directed GAO to assess the impact of these increases in the loan limits on tuition and other expenses and borrowing. Since information was available only on the first loan limit increase, we focused on the AY 2007-08 loan limit increase, framing our study with three key questions: (1) What are the patterns in prices and undergraduate enrollment at institutions of higher education since the AY 2007-08 loan limit increases took effect? (2) To what extent did undergraduate students borrow Stafford loans at their maximum levels in AY 2007-08? (3) What are the characteristics of students in AY 2007-08 who borrowed more than the prior loan limits? In summary, we found that: (1) After the change to the Stafford loan limits beginning in AY 2007-08, the price and the numbers of undergraduate students enrolling in the nation's institutions of higher education increased at a rate generally consistent with prior years. This pattern was consistent across most institutional sectors. (2) In terms of students borrowing Stafford loans, between AY 2003-04 and AY 2007-08, there was a decline in the proportion of eligible borrowers who borrowed their maximum--an amount that varies based on students' financial and personal circumstances, but is ultimately statutorily capped. These declines in borrowing were largely driven by first- and second-year students. (3) A snapshot look at first- and second-year students in AY 2007-08 who borrowed more than they could have under the previous loan limits showed that they primarily attended college exclusively full-time, were dependent students, and were most commonly enrolled in public 4-year institutions. When we compared these borrowers to all other first- and second-year Stafford loan borrowers, we found similarities across many characteristics, with the exception of dependency status and institutional sector. (Contains 6 tables, 5 figures and 18 footnotes.).
Download or read book Federal student loans impact of loan limit increases on college prices is difficult to discern written by and published by . This book was released on 2014 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Students and Stafford Loans written by Daphne Rollins and published by . This book was released on 2014 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A college education can increase the choices and opportunities available to individuals, but high college tuition rates have prompted concerns that a college education may be an unattainable goal for some. To help students finance their education, Congress passed a law that raised the ceiling on the amount students can borrow under the federal Stafford Loan Program. This book examines the extent to which, if any, the Stafford loan limit increases affected tuition, fees and room and board prices at institutions of higher education; and the trends in private student loan borrowing since the loan limits took effect.
Download or read book Federal Student Loans written by Jacqueline M. Nowicki and published by . This book was released on 2014-03-20 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: A college education can increase the choices and opportunities available to individuals, but high college tuition rates have prompted concerns that a college education may be an unattainable goal for some. To help students finance their education, Congress passed a law that raised the ceiling on the amount students can borrow under the federal Stafford Loan Program (referred to in the law as "loan limits"). The Ensuring Continued Access to Student Loans Act of 2008 mandated a series of reports over a 5 year period assessing the impact of these increases in the loan limits on tuition and other expenses and on private student loan borrowing. This report examined: (1) the extent to which, if any, the Stafford Loan limit increases affected tuition, fees and room and board prices at institutions of higher education; and (2) the trends in private student loan borrowing since the loan limits took effect. Tables and figures. This is a print on demand report.
Download or read book Trends in Undergraduate Borrowing written by Lutz K. Berkner and published by DIANE Publishing. This book was released on 2000 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Student Loans and the Dynamics of Debt written by Brad Hershbein and published by W.E. Upjohn Institute. This book was released on 2015-02-23 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: The papers included in this volume represent the most current research and knowledge available about student loans and repayment. It serves as a valuable reference for researchers and policymakers who seek a deeper understanding of how, why, and which students borrow for their postsecondary education; how this borrowing may affect later decisions; and what measures can help borrowers repay their loans successfully.
Download or read book More Credit More Problems Federal Student Loan Limits and Education Outcomes written by Cullen F. Goenner and published by . This book was released on 2015 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Stafford loan program is the largest source of financial aid to students who attend college in the United States. Here we utilize the increase in Stafford loan limits that occurred between 2006 and 2008 to identify how a pooled cross-section of first-time freshmen at the University of North Dakota (UND) responded to an increase in the availability of credit. Using a difference-in-differences approach, we examine how borrowing, the composition of credit, and student outcomes were impacted by the policy changes. The student body at UND provides a unique opportunity to examine the treatment effects of these policies, as we are able to isolate the impact of macroeconomic fluctuations on borrowing due to the strength and stability of North Dakota's economy during the period. Freshmen are shown here to substitute an increase in their borrowing through Stafford loans with a partial reduction in borrowing via private loans. Substitution is particularly strong among more credit constrained students. Interestingly, despite having access to more credit, student academic outcomes did not improve as a result of the changes, and in some cases worsened.
Download or read book Federal Student Loans written by Tatiana Shohov and published by Nova Publishers. This book was released on 2004 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: Title IV of the Higher Education Act (HEA) authorises the major federal student aid programs, including the student loan programs, which are the largest source of aid for students. In FY2000, the Federal Family Education Loan (FFEL) programs and the Federal Direct Student Loan (DL) program supported an estimated $33.1 billion in new loan volume. Several types of loans are available: Federal need-based subsidised Stafford loans (under which the government pays the interest while the borrower is in school, a grace period of deferment); unsubsidised Stafford loans; Federal PLUS loans (for parents of undergraduate students); and Federal Consolidation loans. Overall, student loan volume has been increased in recent years, from $24 billion in FY1994 to $33 billion in FY2000. The number of loans being made has increased over the same period going from 6,483,000 to 8,618,000. The average amount that individual students are borrowing in any given year has not increased as dramatically. This new book examines important issues related to this cornerstone of American higher education.
Download or read book Pre Occupy Ed written by Richard Roybal Jr. and published by Author House. This book was released on 2012-10-25 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: On July 13th, 2011, Canadian-based anti-consumerist magazine, Adbusters Media Foundation, proposed the first occupation of Wall Street to demonstrate against income inequality, high unemployment, greed, as well as corruption and the influence of corporations on government. Since then, the Occupy Wall Street movement has been gaining momentum and continues to pick up steam. Attempts to quiet the protesters only expanded their influence and support. Many sympathize with the protestors ideas and understand their desire to challenge the system. However, the protestors opposition to Capitalism, support for radical wealth redistribution, and intense regulation of the private sector are threats to our economy and freedom. Occupy Wall Street does not understand their demands will not lead to improved economic conditions for the poor and middle class; it will further expand their hardships. Pre-OCCUPY-Ed investigates and exposes Occupy Wall Street and recognizes the results of their demands.
Download or read book Game of Loans written by Beth Akers and published by Princeton University Press. This book was released on 2018-05-29 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why fears about a looming student loan crisis are unfounded—and how they obscure what's really wrong with student lending College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced—and how the popular myth of a looming crisis has obscured the real problems facing student lending in America. Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don’t finish college—the riskiest segment of borrowers—and a dysfunctional market where competition among colleges drives tuition costs up instead of down. Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.
Download or read book Keeping College Within Reach written by United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Higher Education and Workforce Training and published by . This book was released on 2013 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Revolution in Higher Education written by Richard A. Demillo and published by MIT Press. This book was released on 2015-08-28 with total page 357 pages. Available in PDF, EPUB and Kindle. Book excerpt: A report from the front lines of higher education and technology that chronicles efforts to transform teaching, learning, and opportunity. Colleges and universities have become increasingly costly, and, except for a handful of highly selective, elite institutions, unresponsive to twenty-first-century needs. But for the past few years, technology-fueled innovation has begun to transform higher education, introducing new ways to disseminate knowledge and better ways to learn—all at lower cost. In this impassioned account, Richard DeMillo tells the behind-the-scenes story of these pioneering efforts and offers a roadmap for transforming higher education. Building on his earlier book, Abelard to Apple, DeMillo argues that the current system of higher education is clearly unsustainable. Colleges and universities are in financial crisis. Tuition rises inexorably. Graduates of reputable schools often fail to learn basic skills, and many cannot find suitable jobs. Meanwhile, student-loan default rates have soared while the elite Ivy and near-Ivy schools seem remote and irrelevant. Where are the revolutionaries who can save higher education? DeMillo's heroes are a small band of innovators who are bringing the revolution in technology to colleges and universities. DeMillo chronicles, among other things, the invention of MOOCs (Massive Open Online Courses) by professors at Stanford and MIT; Salman Khan's Khan Academy; the use of technology by struggling historically black colleges and universities to make learning more accessible; and the latest research on learning and the brain. He describes the revolution's goals and the entrenched hierarchical system it aims to overthrow; and he reframes the nature of the contract between society and its universities. The new institutions of a transformed higher education promise to demonstrate not only that education has value but also that it has values—virtues for the common good.
Download or read book Trends in Undergraduate Borrowing II Federal Student Loans in 1995 96 1999 2000 and 2003 04 Postsecondary Education Descriptive Analysis Report written by and published by DIANE Publishing. This book was released on with total page 117 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Footing the Tuition Bill written by Frederick M. Hess and published by A E I Press. This book was released on 2007 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: Papers from a conference presented at the American Enterprise Institute on Sept. 25, 2006.
Download or read book Borrowing Inequality written by Derek V. Price and published by Lynne Rienner Publishers. This book was released on 2004 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Price concludes with provocative proposals for aid policies that would expand the range of college and career choices for students - policies that would in fact support the role of higher education as a vehicle for individual opportunity and social change."--BOOK JACKET.
