Straight Talk on Student Loans. PPI Policy Brief

ERIC Educational Resources Information Center

Shireman, Robert

2004-01-01

The federal government provides student loans for college and graduate school in two ways: by: (1) guaranteeing bank loans; and (2) by lending directly to students. Approximately three-quarters of federal student loans are guaranteed and one-quarter are direct. In the guaranteed loan program, a 40-year-old system, banks lend students money and…

Why Students Can Still Get Loans

ERIC Educational Resources Information Center

Smith, Skee

1978-01-01

The Student Loan Marketing Association (Sallie Mae) is a private profit-making corporation chartered by Congress in 1972 to create a secondary market for Guaranteed Student Loans (a program established by Title IV-B of the 1965 Higher Education Act). Sallie Mae's job is to help lending institutions thaw frozen cash and make more loans. (BM)

Student Loan Default Rates in Minnesota, 2007

ERIC Educational Resources Information Center

Grimes, Tricia

2010-01-01

While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…

Borrowing and Repaying Student Loans

ERIC Educational Resources Information Center

Hillman, Nicholas W.

2015-01-01

This essay synthesizes the most recent and rigorous research on student loan debt. It focuses on basic questions about who borrows, how much, and whether debt affects behaviors. Answers to these questions are necessary for informing federal student loan policymaking, yet the research findings are surprisingly mixed because of poor data quality,…

Discriminant Analysis of Student Loan Applications

ERIC Educational Resources Information Center

Dyl, Edward A.; McGann, Anthony F.

1977-01-01

The use of discriminant analysis in identifying potentially "good" versus potentially "bad" student loans is explained. The technique is applied to a sample of 200 student loan applications at the University of Wyoming. (LBH)

Student Loans: Problems and Policy Alternatives.

ERIC Educational Resources Information Center

Rice, Lois D., Ed.

Problems and concerns faced by the Carter Administration and the Congress regarding federal student loans are reviewed in this book. In individually authored chapters, focus is on student default, abuse, availability of capital, student access to loans, and possible new roles for states, institutions, and the federal government. A historical…

CBA Student Loan Survey Summary, 1986.

ERIC Educational Resources Information Center

Consumer Bankers Association, Arlington, TX.

A survey on the Guaranteed Student Loan Program (GSL) was conducted in 1986 by the Consumer Bankers Association (CBA). Responses by 103 member institutions provided information on student loan operations, the student lending climate, and proposed amendments to the GSL program. Institutions were divided into four asset categories. The larger…

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 42 Public Health 1 2014-10-01 2014-10-01 false Nursing student loan promissory note. 57.308... Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form. Each nursing student loan must be evidenced by a properly executed promissory note in a form approved by the...

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 42 Public Health 1 2011-10-01 2011-10-01 false Nursing student loan promissory note. 57.308... Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form. Each nursing student loan must be evidenced by a properly executed promissory note in a form approved by the...

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 42 Public Health 1 2012-10-01 2012-10-01 false Nursing student loan promissory note. 57.308... Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form. Each nursing student loan must be evidenced by a properly executed promissory note in a form approved by the...

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Nursing student loan promissory note. 57.308... Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form. Each nursing student loan must be evidenced by a properly executed promissory note in a form approved by the...

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 42 Public Health 1 2013-10-01 2013-10-01 false Nursing student loan promissory note. 57.308... Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form. Each nursing student loan must be evidenced by a properly executed promissory note in a form approved by the...

Big Loans, Bigger Problems: A Report on the Sticker Shock of Student Loans.

ERIC Educational Resources Information Center

King, Tracey; Frishberg, Ivan

Students frequently experience "sticker shock" when at graduation they find their college debt is much larger than they planned or expected. If they do not understand loan repayment and loan costs, they may borrow more than they can afford and experience difficulty in paying their loans. This study explored debt from the students' perspective to…

The Selling of Student Loans

ERIC Educational Resources Information Center

Field, Kelly

2007-01-01

Twenty years ago, a U.S. Senate aide walked into a bank in Maine and saw a sign that read "Take out a student loan today, get a toaster." The aide, concerned that students would be tempted to take out loans they did not need, drafted legislation barring lenders from offering "inducements" to borrow. That language was added to the Higher Education…

Student Loans in Ghana.

ERIC Educational Resources Information Center

Kotey, N.

1992-01-01

This article summarizes the current pattern of finance of higher education in Ghana, gives a brief history of student loans in Ghana, and describes a new program, which is administered by the Social Security and National Insurance Trust and is expected to result in a higher rate of loan repayment. (Author/DB)

A Trillion-Dollar Question: What Predicts Student Loan Delinquencies?

ERIC Educational Resources Information Center

Mezza, Alvaro; Sommer, Kamila

2016-01-01

The recent significant increase in student loan delinquencies has generated interest in understanding the key factors predicting the non-performance of these loans. However, despite the large size of the student loan market, existing analyses have been limited by lack of data. This paper studies predictors of student loan delinquencies using a…

Student Loans Repayment and Recovery: International Comparisons

ERIC Educational Resources Information Center

Shen, Hua; Ziderman, Adrian

2009-01-01

Student loans schemes are in operation in more than seventy countries around the world. Most loans schemes benefit from sizeable built-in government subsidies and, in addition, are subject to repayment default and administrative costs that are not passed on to student borrowers. We probe two issues in this paper, for 44 loans schemes in 39…

Deeper in Debt: Women and Student Loans

ERIC Educational Resources Information Center

Miller, Kevin

2017-01-01

Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and the amount of student debt that students assume has increased along with the price of attending college. At this time about 44 million…

Associations Between Pharmacy Students’ Attitudes Toward Debt, Stress, and Student Loans

PubMed Central

Spivey, Christina A.; Jaeger, Melanie C.; Williams, Jennifer

2017-01-01

Objective. To assess graduating pharmacy students’ attitudes toward debt and determine associations with stress, student loan debt, financial need, current employment, post-graduation plans, and expected length of time to repay loans. Methods. Survey was conducted using an attitudes-toward-debt scale (sub-scales: tolerant attitudes toward debt; contemplation and knowledge about loans; fear of debt), Perceived Stress Scale, and questions concerning current employment, estimated total student loan debt, post-graduation plans, and expected length of time to repay loans. Federal loan data were collected using financial aid records. Independent samples t-test, ANOVA, and Pearson’s r correlations were conducted. Results. There were 147 students (96.7%) who participated. The majority were female (59.2%), white (69.4%), and had federal student loans (90.5%). Mean total loan amount was $153,276 (SD $59,810), which included federal students loans accumulated before and during pharmacy school. No significant differences were noted on attitudes toward debt or stress based on whether respondents had federal student loans. Greater “fear of debt” was correlated with increased stress, estimated total student loan debt, total federal loan debt, and pharmacy school loan debt. Greater “contemplation and knowledge about loans” was correlated with lower estimated total student loan debt, total federal loan amount, and pharmacy school loan amount. Students with higher “contemplation and knowledge” scores expected to repay loans within a shorter time frame than students with lower scores. Conclusion. Increased fear of debt was related to greater perceived stress and higher student loan amounts borrowed, while increased contemplation and knowledge about loans was associated with lower amounts borrowed. Educational programming concerning loans, debt, and personal financial management may help reduce stress and amount borrowed. PMID:29109558

Factors That Affect Willingness to Borrow Student Loans among Community College Students

ERIC Educational Resources Information Center

Menges, Kathleen K.; Leonhard, Christoph

2016-01-01

Research suggests that student loan borrowing has increased at the community college level. This trend is worrisome to many, as research is inconclusive regarding whether loans are positively correlated with achieving a college degree. Many also contend that choosing not to borrow a student loan due to loan aversion can negatively impact a…

Vulnerabilities in the Stafford Student Loan Program.

ERIC Educational Resources Information Center

Thompson, Lawrence H.

This testimony before the House Subcommittee on Postsecondary Education addresses the need for improving student financial aid programs administered by the Department of Education, and in particular, the Stafford Student Loan Programs. The testimony begins with a brief review of the default problems involving student loans. Next, an examination is…

42 CFR 57.205 - Health professions student loan funds.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Health professions student loan funds. 57.205 Section 57.205 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS... Health Professions Student Loans § 57.205 Health professions student loan funds. (a) Funds established...

Federal Student Loan Amounts and Terms for Loans Issued in 2016-17

ERIC Educational Resources Information Center

Project on Student Debt, 2016

2016-01-01

U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. The chart presented in this report summarizes the interest…

The New England Student Loan Survey II. Final Report.

ERIC Educational Resources Information Center

Pedalino, Marilyn; And Others.

The New England Student Loan Survey (NESLS) II investigated the impact of student loans on borrowers, their consumption patterns, and their attitudes towards repayment. The 1,442 subjects, recent borrowers now repaying their student loans, included 283 high debt-low income borrowers and 207 prior defaulters now in repayment. Findings included the…

University of Alaska 1984 Statistical Summary.

ERIC Educational Resources Information Center

Spargo, Frank R.; Gaylord, Thomas A.

Designed to inform decisions about the University of Alaska's (UA's) budget, direction, scope, and academic thrusts, this report provides statewide, unit, and campus data for the two- and four-year colleges in the university system. First, a systemwide summary offers information on finances, enrollments, student loan program participation,…

Why Student Loans Are Different: Findings from Six Focus Groups of Student Loan Borrowers

ERIC Educational Resources Information Center

Delisle, Jason; Holt, Alexander

2015-01-01

For all the attention student loans have received in the media and from policymakers in recent years, there is still remarkably little information on why and how borrowers struggle to repay them. Rising college prices and debt levels explain some of the troubles borrowers have with their loans, as does a slow economic recovery that has caused…

Income Contingent Student Loans for Thailand: Alternatives Compared

ERIC Educational Resources Information Center

Chapman, Bruce; Lounkaew, Kiatanantha

2010-01-01

There is significant irresolution in many countries concerning the design of student loan schemes. In no country recently has there been more uncertainty as to the form that loans should take than Thailand. The Student Loans Fund (SLF), a conventional approach to financing, was introduced in 1996, discontinued at the end of 2005, and re-introduced…

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Maximum amount of nursing student loans. 57.307... Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing student... longer than the 9-month academic year may be proportionately increased. The total of all nursing student...

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 42 Public Health 1 2011-10-01 2011-10-01 false Maximum amount of nursing student loans. 57.307... Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing student... longer than the 9-month academic year may be proportionately increased. The total of all nursing student...

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 42 Public Health 1 2013-10-01 2013-10-01 false Maximum amount of nursing student loans. 57.307... Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing student... longer than the 9-month academic year may be proportionately increased. The total of all nursing student...

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 42 Public Health 1 2012-10-01 2012-10-01 false Maximum amount of nursing student loans. 57.307... Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing student... longer than the 9-month academic year may be proportionately increased. The total of all nursing student...

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 42 Public Health 1 2014-10-01 2014-10-01 false Maximum amount of nursing student loans. 57.307... Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing student... longer than the 9-month academic year may be proportionately increased. The total of all nursing student...

Do Lower Lender Subsidies Reduce Guaranteed Student Loan Supply?

ERIC Educational Resources Information Center

Austin, D. Andrew

2010-01-01

The article analyzes effects of borrower interest rates and student lender subsidies on federally guaranteed student loan volumes from 1988 to 1994 and from 1996 to 2006. Some have argued that lender subsidy cuts would reduce loan supply or cause lenders to exit the student loan market. If lenders get economic rents due to overly generous…

Do You Know What You Owe? Students' Understanding of Their Student Loans

ERIC Educational Resources Information Center

Andruska, Emily A.; Hogarth, Jeanne M.; Fletcher, Cynthia Needles; Forbes, Gregory R.; Wohlgemuth, Darin R.

2014-01-01

Using a data set that augments a student survey with administrative data from the Iowa State University Office of Financial Aid, the authors posed two questions: Do students know whether they have student loans? Do students know how much they owe on outstanding student loans? We used logistic and ordered logit regressions to answer these…

Student-Loan Investigation Sweeps Up More Colleges

ERIC Educational Resources Information Center

Basken, Paul; Field, Kelly

2007-01-01

An expanding investigation into conflicts of interest in the student-loan industry continued to sweep up more lenders and college financial-aid administrators last week. The nation's largest student-loan provider, Sallie Mae, accepted a $2-million settlement with New York State's attorney general, Andrew M. Cuomo, and three more college officials…

The Role of Student Loans in College Access. Research Report.

ERIC Educational Resources Information Center

Baum, Sandy

This paper discusses the role of student loans in college access. Borrowing to pay for education is a sound decision for most students, and student loans are a vital part of college financing policy. There has been a considerable increase in student borrowing, and much of this results from the introduction of the Stafford Loan in 1993. Borrowing…

42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 42 Public Health 1 2011-10-01 2011-10-01 false Eligibility and selection of nursing student loan... STUDENT LOANS Nursing Student Loans § 57.306 Eligibility and selection of nursing student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible for consideration for a nursing student...

42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Eligibility and selection of nursing student loan... STUDENT LOANS Nursing Student Loans § 57.306 Eligibility and selection of nursing student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible for consideration for a nursing student...

42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 42 Public Health 1 2012-10-01 2012-10-01 false Eligibility and selection of nursing student loan... STUDENT LOANS Nursing Student Loans § 57.306 Eligibility and selection of nursing student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible for consideration for a nursing student...

42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 42 Public Health 1 2013-10-01 2013-10-01 false Eligibility and selection of nursing student loan... STUDENT LOANS Nursing Student Loans § 57.306 Eligibility and selection of nursing student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible for consideration for a nursing student...

42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 42 Public Health 1 2014-10-01 2014-10-01 false Eligibility and selection of nursing student loan... STUDENT LOANS Nursing Student Loans § 57.306 Eligibility and selection of nursing student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible for consideration for a nursing student...

Advantages and Disadvantages of Student Loans Repayment Patterns

ERIC Educational Resources Information Center

Shen, Hua

2010-01-01

It is a difficulty problem to choice repayment patterns of student loan. "Conventional mortgage-type loan" and "Income contingent loan" has been performed in many countries. These loan repayment manners have their own characteristics. In this paper, we discuss their advantages and disadvantages, and would provide policy choice…

Repaying Your Student Loans, 2003-2004. [Braille Version].

ERIC Educational Resources Information Center

Office of Federal Student Aid (ED), Washington, DC.

This Braille publication explores available options on federal student loans so that borrowers can avoid repayment problems and manage and repay their debts. The guide contains information on repayment plans for Perkins loans, Direct Loans, and Federal Family Education Loans. The repayment options discussed include consolidation, deferment, and…

The Student-Loan System Needs a Major Overhaul

ERIC Educational Resources Information Center

Hess, Frederick, M.; Squire, Juliet

2007-01-01

In September 2007, Congress voted to cut subsidies to lenders in the federal guaranteed-student-loan program and use much of the savings to increase student aid. Congress also passed other significant provisions, including modified repayment periods and loan forgiveness for certain students. Such legislation came on the heels of New York Attorney…

42 CFR 57.310 - Repayment and collection of nursing student loans.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 42 Public Health 1 2013-10-01 2013-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing...-time course of study at a school leading to a baccalaureate degree in nursing or an equivalent degree...

42 CFR 57.310 - Repayment and collection of nursing student loans.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 42 Public Health 1 2014-10-01 2014-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing...-time course of study at a school leading to a baccalaureate degree in nursing or an equivalent degree...

42 CFR 57.310 - Repayment and collection of nursing student loans.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 42 Public Health 1 2012-10-01 2012-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing...-time course of study at a school leading to a baccalaureate degree in nursing or an equivalent degree...

42 CFR 57.310 - Repayment and collection of nursing student loans.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing...-time course of study at a school leading to a baccalaureate degree in nursing or an equivalent degree...

42 CFR 57.310 - Repayment and collection of nursing student loans.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 42 Public Health 1 2011-10-01 2011-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing...-time course of study at a school leading to a baccalaureate degree in nursing or an equivalent degree...

5 CFR 537.103 - Agency student loan repayment plans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... recruitment, relocation, and retention incentives); (b) The situations in which the student loan repayment... employees (or job candidates) to receive student loan repayment benefits that ensures fair and equitable...

Valuing the Student Loan Consolidation Option. Congressional Budget Office Background Paper

ERIC Educational Resources Information Center

Weinberg, Steven

2006-01-01

Federal student loans include a complex consolidation option that gives borrowers the opportunity to combine several loans into a single loan with a longer term to maturity and, for loans originated before July 2006, to convert from a variable- to a fixed-rate loan. The consolidation option adds substantial costs to the federal student loan…

Exit Counseling Guide for Federal Student Loan Borrowers

ERIC Educational Resources Information Center

Federal Student Aid, US Department of Education, 2010

2010-01-01

Student loans, unlike grants and work-study, are borrowed money that must be repaid, with interest, just like car loans and home mortgages. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. Loans are legal obligations that…

Agency Theory, Incentives, and Student Loans.

ERIC Educational Resources Information Center

Rudner, Lawrence M.

Using agency theory, this paper analyzes schools, particularly career schools, in the Stafford Loan Program for student incentive to graduate and pay off their loans. Agency theory focuses on the roles of information and incentives when a principal and an agent cooperate with respect to the utilization of resources. The analysis examines the…

Deeper in Debt: Women and Student Loans. Executive Summary and Recommendations

ERIC Educational Resources Information Center

Miller, Kevin

2017-01-01

This document provides a summary of and recommendations from the larger report, "Deeper in Debt: Women and Student Loans" (ED580345). Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and…

Reforming Ontario's University Student Loans and Fee Structures. Discussion Series, Issue 1.

ERIC Educational Resources Information Center

West, Edwin G.

The Ontario Student Loan Program has experienced problems with default on student loans, as have loan systems in other countries where governments rely mainly on banks and special departments of quasi-public institutions to monitor or police the borrowers. This report discusses the need for radical modifications of the student loan program to…

Straight Talk on Student Loans. Research & Occasional Paper Series: CSHE.10.04

ERIC Educational Resources Information Center

Shireman, Robert

2004-01-01

The federal government provides student loans for college and graduate school in two ways: by guaranteeing bank loans, and by lending directly to students. In the guaranteed loan program, banks lend students money and profit from the interest payments while the government guarantees the loans against default and makes subsidy payments to the…

Criteria for the Evaluation of Student Loan Alternatives.

ERIC Educational Resources Information Center

Dresch, Stephen P.

The objectives of student loan programs and the consequences of specific programmatic determinations are considered. In addition to the primary function of providing access to capital markets for the financing of human capital investment, the student loan system in the United States has been utilized as: (1) a mechanism to subsidize schooling…

Relationship between Student Loan Borrowing of Money and Degree Completion for Students at Two-Year Colleges

ERIC Educational Resources Information Center

Easttorp, Karl

2017-01-01

The cost of a college education continues to trend upward and state funding for higher education has trended downward, shifting more of the financial burden to students through student loans. About half of all 2010-2011 financial aid originated from student loans, and total federal student loan borrowing rose 319% between 1990 and 2010.…

The Success of Students' Loans in Financing Higher Education in Tanzania

ERIC Educational Resources Information Center

Nyahende, Veronica R.

2013-01-01

Students' loans in financing higher education in Tanzania have been subjected to many researches. However, less information is available on how the success of students' loans in financing higher education can be revealed. Therefore the purpose of this study is to examine the factors indicating the success of students' loans in financing higher…

Income-Contingent Student Loan Repayment Systems Outside the U.S.

ERIC Educational Resources Information Center

National Association of Student Financial Aid Administrators, 2014

2014-01-01

There is remarkable diversity in student loan systems throughout the world. In considering the ideal approach to system of loan repayment based on income here in the United States, it is valuable to examine the nature, successes, and failures of some other countries' methods of offering borrowers income-contingent student loan repayment. Two…

42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Cancellation of nursing student loans for disability or death. 57.311 Section 57.311 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND..., SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.311 Cancellation of nursing student loans for...

42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 42 Public Health 1 2014-10-01 2014-10-01 false Cancellation of nursing student loans for disability or death. 57.311 Section 57.311 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND..., SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.311 Cancellation of nursing student loans for...

42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 42 Public Health 1 2011-10-01 2011-10-01 false Cancellation of nursing student loans for disability or death. 57.311 Section 57.311 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND..., SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.311 Cancellation of nursing student loans for...

42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

Code of Federal Regulations, 2013 CFR

2013-10-01

... 42 Public Health 1 2013-10-01 2013-10-01 false Cancellation of nursing student loans for disability or death. 57.311 Section 57.311 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND..., SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.311 Cancellation of nursing student loans for...

42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 42 Public Health 1 2012-10-01 2012-10-01 false Cancellation of nursing student loans for disability or death. 57.311 Section 57.311 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND..., SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.311 Cancellation of nursing student loans for...

Options to Change Interest Rates and Other Terms on Student Loans

ERIC Educational Resources Information Center

Congressional Budget Office, 2013

2013-01-01

The Federal Direct Student Loan Program offers loans to students and their parents to help pay for postsecondary education. Under current law, about $1.4 trillion in new direct loans will be made to students between 2013 and 2023, the Congressional Budget Office (CBO) projects. Analysts and policymakers have raised concerns about various features…

Employers Should Help Pay Student Loans for Their Workers

ERIC Educational Resources Information Center

Wrubel, Paul R.

2008-01-01

The troubled student-loan market is a hot topic among legislators, policy makers, and the public. Two recurring issues are how to ensure that enough funds are available to students and how to ensure that lenders are fully repaid. Yet despite all the talk about loans, little has been proposed to help college students and their families with the…

Affordable at Last: A New Student Loan System. Education Sector Reports

ERIC Educational Resources Information Center

Dillon, Erin

2011-01-01

Student loan debt is fast becoming a fact of American life. Students are borrowing more money for college and are being forced to pay back large sums of their income. This report offers a new way to pay back student loans based on each individual's earnings. International Income-Contingent Loan Systems are appended. (Contains 1 figure and 40…

Student Loans for Higher Education

ERIC Educational Resources Information Center

Simons, Charlene Wear

2008-01-01

Student loans are a rapidly growing $85 billion a year industry fueled by the substantial higher economic returns associated with a college education, increased demand from students and their parents, and grant and scholarship funds that have not kept pace with rising school tuition and fees. This report describes federally subsidized and…

The Influence of Students' Loans Borrowers' Characteristics on Default Rate in Tanzania

ERIC Educational Resources Information Center

Nyahende, Veronica R.

2013-01-01

The cost of students' loans defaulting has lead to a serious discussion among participants. Substantial attention has been made on the students' loans and its impact on higher education finances while researches on students' loans defaults have not been taken for more than a decade. Therefore this study examines the influence of student loans…

Student Loans, Financial Stress, and College Student Retention

ERIC Educational Resources Information Center

Britt, Sonya L.; Ammerman, David Allen; Barrett, Sarah F.; Jones, Scott

2017-01-01

This study examined a sample of 2,475 undergraduate students to determine the influence of financial stress, debt loads, and financial counseling on retention rates. Results indicate, among other findings, that financial stress contributes to an increased likelihood of discontinuing college. Self-reported student loan debt contributes to an…

Student Loans: Are We Getting Our Money's Worth?

ERIC Educational Resources Information Center

Elliott, William

2014-01-01

Given the increasing expectation that students should bear most of the college-cost burden, loans have been the largest form of financial aid since 1982, a shift that has been particularly hard on needy students. Loan-aversion has contributed to the access problem for these students, while facilitating more privileged students' ability to…

42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Cancellation of health professions students loans..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions students loans for disability or death. (a) Permanent and total disability. The Secretary will cancel a...

Non-Borrowing Students' Perceptions of Student Loans and Strategies of Paying for College

ERIC Educational Resources Information Center

Xue, Mo; Chao, Xia

2015-01-01

With the notable shift from grants to loans over the past several decades, many researchers have argued the positive impact of financial aid on student college choice, enrollment, and persistence. However, literature indicates that students from economically disadvantaged backgrounds are less likely to take loans to finance postsecondary education…

Como reembolsar sus prestamos para estudiantes (Repaying Your Student Loans).

ERIC Educational Resources Information Center

Office of Federal Student Aid (ED), Washington, DC.

This guide, written in Spanish, discusses how to repay student loans. Following a general introduction, the guide discusses the grace period before repayment and repayment requirements. Repayment plans are described for Perkins Loans, Direct Loans, and Federal Family Education Loans. Repayment options are discussed, including consolidation,…

Subsidy Estimates for Guaranteed and Direct Student Loans. A CBO Paper

ERIC Educational Resources Information Center

Humphrey, Justin

2005-01-01

The federal government assists students and their parents in meeting the costs of postsecondary education through two student loan programs, the Federal Family Education Loan Program and the William D. Ford Direct Loan Program. Although the two programs provide similar benefits to borrowers, their structures and operations differ greatly. As a…

Guaranteed Student Loans: GAO High Risk Series.

ERIC Educational Resources Information Center

Comptroller General of the U.S., Washington, DC.

As part of a larger program to identify and analyze federal programs at high risk for waste, fraud, abuse and mismanagement, this publication presents an evaluation of the Federal Family Education Loan Program (FFELP), formerly the Guaranteed Student Loan Program. The analysis argues that the program has not been successful in protecting the…

Education Dept. Proposes New Rules for Student-Loan Programs

ERIC Educational Resources Information Center

Field, Kelly

2007-01-01

Colleges would be required to give students information to help them shop around among loan providers under proposed changes in student-loan programs announced by the U.S. Department of Education. The proposed regulations represent the department's most significant response to date to the continuing controversy over conflicts of interest in the…

Condemning Students to Debt: College Loans and Public Policy.

ERIC Educational Resources Information Center

Fossey, Richard, Ed.; Bateman, Mark, Ed.

The 10 chapters of this book on the effects of the federal student loan program focus on five major issues: first, that expanding access to postsecondary education is in the national interest; second, the inconsistency in student loan policy; third, increasing federal regulation of higher education; fourth, the fact that rising costs are making…

Health-related quality of life of medical students in a Brazilian student loan programme.

PubMed

Lins, Liliane; Carvalho, Fernando Martins; Menezes, Marta Silva; Porto-Silva, Larissa; Damasceno, Hannah

2016-08-01

This study aimed to evaluate the health-related quality of life of medical students participating in a large Brazilian government loan programme for undergraduate students in private schools.A cross-sectional study in a stratified sample of students from a private medical school in Salvador, Brazil, evaluated their health-related quality of life by using a Brazilian Portuguese version of the 36-item Short Form Health Survey questionnaire (SF-36).Students supported by the loan programme consistently presented lower mean scores in all SF-36 domains and in the physical and mental component summary scores than those who were not in the programme. Students supported by the loan programme presented systematically lower physical and mental component mean scores, after stratification by age, gender, school year, physical activity, sleepiness, headache, having a car, having a housemaid, living with family, and living in a rented house.The loan programme has enabled less wealthy undergraduate students to attend private medical schools in Brazil. However, this support is insufficient to improve students' health-related quality of life during medical school, as compared with students who do not participate in the programme. Because of a poorer health-related quality of life, students supported by the loan programme deserve special attention from private medical schools.

Paying for College: Student Loans and Alternative Financing Mechanisms.

ERIC Educational Resources Information Center

Eureka Project, Sacramento, CA.

As a part of a study on financing higher education in California, information is presented on student loans and alternative methods of financing. Part 1 reviews problems caused by a heavy reliance on the federal Guaranteed Student Loan program (GSL). It discusses troubles of the GSL program; the lack of policy purpose; program costs; defaults;…

Can Self-Control Explain Avoiding Free Money? Evidence from Interest-Free Student Loans.

PubMed

Cadena, Brian C; Keys, Benjamin J

2013-10-01

This paper uses insights from behavioral economics to explain a particularly surprising borrowing phenomenon: One in six undergraduate students offered interest-free loans turn them down. Models of impulse control predict that students may optimally reject subsidized loans to avoid excessive consumption during school. Using the National Postsecondary Student Aid Study (NPSAS), we investigate students' take-up decisions and identify a group of students for whom the loans create an especially tempting liquidity increase. Students who would receive the loan in cash are significantly more likely to turn it down, suggesting that consumers choose to limit their liquidity in economically meaningful situations.

Female medical students may accrue less student loan debt than their male colleagues in New Zealand.

PubMed

McHardy, Karina M; Janssen, Anna; Poole, Phillippa J

2008-05-09

To quantify the current level of actual student loan debt in New Zealand (NZ) medical students at the time of graduation, and to investigate how debt burden relates to gender and ethnicity. A questionnaire was distributed to all graduating students from The University of Auckland's School of Medicine in November 2006. This study looked specifically at debt attributable to a New Zealand Government Student Loan (NZGSL). The response rate was 88%. Eighty-seven percent of NZ residents in the survey had a NZGSL. Nearly three-quarters of all students (73%) reported a total NZGSL of over $45,000, with one-third reporting a total greater than $75,000. Overall, males appeared to have different borrowing behaviours than their female counterparts, as reflected in their higher loan totals. Females were also more likely to report that they had no student loan, despite comparable access to parental financial support, part-time work, and scholarships. The reported loan sizes of Maori and Pacific Island students did not differ significantly from those of other ethnicities. Only 11% of study respondents reported that the burden of a student loan had a significant impact on future career decisions. For the majority of Auckland medical graduates, student debt is significant and continues to be a burdensome issue. There appear to be differences in the borrowing behaviours of males and females in the medical school programme, while different ethnicities have similar debt burdens.

Testimony: Combating the Student Loan Burden

ERIC Educational Resources Information Center

Helmcamp, Leslie

2012-01-01

The Center for Public Policy Priorities (CPPP) provides written testimony on the Senate Higher Education Committee interim charges exploring student financial aid and the issue of student loan debt Texas institutions of higher education. This paper highlights recommendations for strengthening and improving the financial aid system in Texas to…

Student Loans: A Slippery Lifeline.

ERIC Educational Resources Information Center

Bollag, Burton

2001-01-01

Discusses how, as more countries have instituted or increased tuition, student loans have spread. But the programs are a flop in much of the world, raising fears that many low-income people will be shut out of higher education. (EV)

Rethinking Student Loan Debt: Tools and Strategies for Debt Management.

ERIC Educational Resources Information Center

Mason, Susan G.

2001-01-01

Analyzes student loan debt at the University of Missouri-St. Louis School of Optometry, showing the need for a comprehensive debt management program. Presents a model for determining manageable amounts of student loan debt developed from conventional lending criteria and data on earnings for optometrists. (EV)

42 CFR 57.209 - Payment of health professions student loans.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Payment of health professions student loans. 57.209 Section 57.209 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS...

Student Consolidation Loans: Potential Effects of Making Fiscal Year 2006 Consolidation Loans Exclusively through the Direct Loan Program. Report to the Ranking Minority Member, Committee on Education and the Workforce, House of Representatives. GAO-06-195

ERIC Educational Resources Information Center

Ashby, Cornelia M.

2005-01-01

Under the Federal Family Education Loan Program (FFELP) and the Federal Direct Loan Program (FDLP), the government guarantees and makes consolidation loans to help borrowers manage their student loan debt. By combining loans into one and extending repayment, monthly repayments are reduced. Unlike other student loans, consolidation loans carry a…

The Cost of the Consolidation Option for Student Loans. A CBO Paper

ERIC Educational Resources Information Center

Weinberg, Steven; Moore, Damien

2006-01-01

The federal government's student loan programs for higher education convey substantial financial benefits to borrowers because of their broad availability and favorable terms. Of the various provisions included in a federal student loan contract, the option to consolidate individual loans contributes greatly to a borrower's benefits and the cost…

Student Loan Default and Repayment in Kentucky

ERIC Educational Resources Information Center

Kentucky Council on Postsecondary Education, 2016

2016-01-01

As college costs continue to rise, student loan default and repayment are issues of increasing concern to students and families, colleges and universities, and state and federal governments. Helping students borrow responsibly and manage their debt are vitally important to maintaining college access and affordability and increasing the education…

The Challenge of Financing Higher Education and the Role of Student Loans Scheme: An Analysis of the Student Loan Trust Fund (SLTF) in Ghana

ERIC Educational Resources Information Center

Atuahene, Francis

2008-01-01

Student loans program is one of the most controversial phenomena in financing higher education in Ghana, but its importance as a cost sharing mechanism is incontestable. This paper describes the challenge of financing higher education in Ghana. It provides a critique of the Social Security and National Insurance Trust (SSNIT) Student Loans Scheme,…

College Persistence of Alaska Native Students: An Assessment of the Rural Alaska Honors Institute, 1983-88.

ERIC Educational Resources Information Center

Gaylord, Thomas A.; Kaul, Gitanjali

Despite efforts by educators, full participation by Alaska native students in the state's colleges and universities has not yet been achieved. Alaska Natives are the state's only racial group that is underrepresented in enrollments at the University of Alaska (UA). This report examines the contribution of the Rural Alaska Honors Institute (RAHI)…

Student War Loans Program: Final Report. Bulletin, 1946, No. 14

ERIC Educational Resources Information Center

Flynt, R. C. M.

1946-01-01

The Student War Loans Program, officially "Loans to Students in Technical and Professional Fields (National Defense)," was one of five essential wartime programs administered by the U. S. Office of Education. The Division of Higher Education administered two of these programs, namely, the Engineering, Science and Management War Training Program…

Guaranteed Student Loan Program 1981. State Agency Survey.

ERIC Educational Resources Information Center

New York State Higher Education Services Corp., Albany.

Responses to a questionnaire circulated in March 1981 are summarized. Data were gathered from all states regarding the federal Guaranteed Student Loan Program (GSL) and the state guarantee agencies on: guarantee agency organizational types; dates of GSL agreements with the Department of Education; states that guaranteed loans before GSL;…

Can Self-Control Explain Avoiding Free Money? Evidence from Interest-Free Student Loans*

PubMed Central

Cadena, Brian C.; Keys, Benjamin J.

2014-01-01

This paper uses insights from behavioral economics to explain a particularly surprising borrowing phenomenon: One in six undergraduate students offered interest-free loans turn them down. Models of impulse control predict that students may optimally reject subsidized loans to avoid excessive consumption during school. Using the National Postsecondary Student Aid Study (NPSAS), we investigate students’ take-up decisions and identify a group of students for whom the loans create an especially tempting liquidity increase. Students who would receive the loan in cash are significantly more likely to turn it down, suggesting that consumers choose to limit their liquidity in economically meaningful situations. PMID:24839312

Thailand's Student Loans Fund: Interest Rate Subsidies and Repayment Burdens

ERIC Educational Resources Information Center

Chapman, Bruce; Lounkaew, Kiatanantha; Polsiri, Piruna; Sarachitti, Rangsit; Sitthipongpanich, Thitima

2010-01-01

Government student loan schemes typically have implicit interest rate subsidies which, while these are a cost to taxpayers, they have the benefit of diminishing repayment burdens for graduates. Our goal is to illustrate the extent of both interest rate subsidies and repayment burdens with respect to Thailand's Student Loans Fund (SLF), using…

Cost Estimates for Federal Student Loans: The Market Cost Debate

ERIC Educational Resources Information Center

Delisle, Jason

2008-01-01

In an ongoing debate about the relative costs of the federal government's direct and guaranteed student loan programs, some budget experts and private lenders have argued for the use of "market cost" estimates. They assert that official government cost estimates for federal student loans differ from what private entities would likely charge…

Default Rate on Student Loans Falls for 2005 Fiscal Year

ERIC Educational Resources Information Center

Basken, Paul

2007-01-01

The rate at which borrowers default on their federally guaranteed student loans has declined to 4.6 percent, in part because of a record number of consolidations, the Education Department announced last week. "Borrowers took advantage of the opportunity to lock in record-low interest rates by consolidating their federal student loans," the…

Who Defaults on Their Student Loan?

ERIC Educational Resources Information Center

Lee, John B.

1990-01-01

Introduces a risk index that provides a way to understand the human dimension of student loan defaults. It correlates with default and the type of school attended and relates to the amount borrowed and help received from others during repayment. Students with high risk scores borrow smaller amounts and are less likely to be helped by others. (JOW)

Perceived Effects of Student Loan Forgiveness on Turnover Intention among Social Workers in Massachusetts.

PubMed

Fakunmoju, Sunday B; Kersting, Robert C

2016-10-01

Despite the recognition of student loan forgiveness programs (SLFPs) as a recruitment tool and job retention mechanism, little is known about their perceived effects on turnover prevention or potential to ease turnover pressure and prevent activation of turnover intention. This article describes the results of a recent survey by the National Association of Social Workers (Massachusetts chapter) on SLFPs. Specifically, the article examines the role of turnover intention and sociodemographic factors on the perception of whether student loan forgiveness (SLF) could prevent social workers from leaving their jobs. Results from bivariate and multivariate analyses using convenience sample (N = 569) suggest that amount of student loan debt, worrying about student loan debt, and turnover intention were significantly associated with perceiving SLF as likely to prevent turnover. Similarly, student loan variables differed by demographic characteristics. MSW graduates were more likely than BSW graduates to have inquired about SLFP, owe more student loan debt, and indicate propensity to participate in SLFP. However, BSW graduates were more likely than MSW graduates to worry about student loan debt. The article concludes with a discussion of the implications of findings for policy, practice, higher education, and future research, including relevance to advocacy and legislative efforts.

Predicting Student Loan Default for the University of Texas at Austin

ERIC Educational Resources Information Center

Herr, Elizabeth; Burt, Larry

2005-01-01

During spring 2001, Noel-Levitz created a student loan default model for the University of Texas at Austin (UT Austin). The goal of this project was to identify students most likely to default, to identify as risk elements those characteristics that contributed to student loan default, and to use these risk elements to plan and implement targeted,…

The Stafford Student Loan Program. Testimony before the Subcommittee on Permanent Investigations, Committee on Governmental Affairs, United States Senate.

ERIC Educational Resources Information Center

Frazier, Franklin

The Stafford Loan Program (formerly called the Guaranteed Student Loan Program) makes three kinds of student loans for postsecondary education: Stafford Loans, Supplemental Loans for Students (SLS), and Parents Loans for Undergraduate Students (PLUS). Stafford loans are low-interest loans based on financial need, while SLS and PLUS loans are not…

Reframing the Student Loan Costing Debate: The Benefits of Competition

ERIC Educational Resources Information Center

Galloway, Fred; Wilson, Hoke

2005-01-01

As debate in Washington heats up regarding congressional reauthorization of the Higher Education Act, a central question involves what to do about the continued coexistence of the two student loan programs--the Federal Family Education Loan Program (FFELP) and the Direct Loan Program (DLP). With hundreds of millions of dollars at stake for banks,…

Digging Deeper: Making Sense of Student Loan Debt in Texas. Research Report

ERIC Educational Resources Information Center

TG (Texas Guaranteed Student Loan Corporation), 2012

2012-01-01

Student loans are likely to remain a prominent instrument for paying for college in Texas, a necessary financial tool for low- and moderate-income students. As college costs rise and growing enrollments further stretch grant funds, the policy challenge is to assist students in determining the appropriate level of student loans for their individual…

The Direct Loan Demonstration Program: An Analysis of the Legislative Process Involving Federal Student Loan Policy.

ERIC Educational Resources Information Center

McCormick, Joe Lew

This study examined major stakeholders' perceptions of their involvement and role in the legislative process surrounding the introduction, deliberation, and ultimate passage of the Direct Loan Demonstration Program (DLDP), a federal pilot student loan program. Data analysis was based on a detailed description of the legislative process surrounding…

An Initial Econometric Consideration of Supply and Demand in the Guaranteed Student Loan Program.

ERIC Educational Resources Information Center

Bayus, Barry; Kendis, Kurt

1982-01-01

In this econometric model of the Guaranteed Student Loan Program (GSLP), supply is related to banks' liquidity and yield curves, all lenders' economic costs and returns, and Student Loan Marketing Association activity. GSLP demand is based on loan costs, family debt position, and net student need for financial aid. (RW)

Financial Scandals and Student Loans

ERIC Educational Resources Information Center

Eisenberg, Meyer; Franke, Ann H.

2007-01-01

The investigations of student-loan programs around the country echo previous scandals in the financial world involving stock offerings and mutual funds. The relationships between lenders and financial-aid officers seem to raise the same questions about impropriety, conflict of interest, and possible fraud. Indeed, lessons from Wall Street can…

Regulations: Guaranteed Student Loan Program.

ERIC Educational Resources Information Center

1979

The text is given of the amendments to part 177 of Title 45 of the Code of Federal Regulations, concerning the federal Guaranteed Student Loan program. Subpart A concerns the program's purpose and scope. Subpart B concerns general provisions: definitions, eligibility, permissible charges, refunds, and prohibited transactions. Subpart C addresss…

The Fiscal and Social Costs of Consolidating Student Loans at Fixed Interest Rates. Working Paper No. 104

ERIC Educational Resources Information Center

Hassett, Kevin A.; Shapiro, Robert J.

2004-01-01

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…

Congress Prepares for Student-Loan Crisis, while Declaring It Unlikely

ERIC Educational Resources Information Center

Field, Kelly

2008-01-01

Several months into a credit crunch that has led at least 20 lenders to leave the guaranteed loan program or suspend their lending operations, lawmakers have begun to respond with a sense of urgency, even as they seek to reassure students and parents that a crisis is unlikely and that federal student loans will still be available this fall. In the…

The Short-Term Emergency Loan: A Major Form of Assistance to Students.

ERIC Educational Resources Information Center

Bradshaw, Curtis C.

1983-01-01

Advantages of locally-funded, short-term, small, emergency student loans for both institutions and students are outlined, and its increasing importance as a form of aid is noted. A list of questions for financial aid administrators to consider before making such a loan to a student is provided. (MSE)

The Guaranteed Student Loan Program. Access to Loans in Michigan 1971-72 to 1974-75. Michigan Business Reports Number 63.

ERIC Educational Resources Information Center

Cross, Cynthia Sahagian

A study of loan availability in Michigan through the federal Guaranteed Student Loan Program outlines the evolution of federal lending programs for college students and describes program characteristics, funds, costs, defaults, and funding systems. The situation for borrowers and lenders in the state and its regions is examined, including…

Federal Student Loan Interest Rates: History, Subsidies, and Cost. Issue Brief

ERIC Educational Resources Information Center

Delisle, Jason

2012-01-01

The 2011 Occupy Wall Street protests brought countless media reports about unemployed college graduates struggling to repay their student loans and headlines sounding alarms that outstanding student loan debt will soon reach $1 trillion. Even though evidence is mixed on whether today's college graduates leave school with significantly more debt…

Student Loans: Characteristics of Students and Default Rates at Historically Black Colleges and Universities. Report to Congressional Requesters.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Health, Education, and Human Services Div.

This report to Congress analyzes student loan default rates at historically black colleges and universities (HBCUs), focusing on student characteristics which may predict the likelihood of default. The study examined available student databases for characteristics identified by previous studies as related to level of student loan defaults. Among…

34 CFR 674.10 - Selection of students for loans.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 3 2011-07-01 2011-07-01 false Selection of students for loans. 674.10 Section 674.10 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.10 Selection of...

34 CFR 674.10 - Selection of students for loans.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Selection of students for loans. 674.10 Section 674.10 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.10 Selection of...

Delinquency: The Untold Story of Student Loan Borrowing

ERIC Educational Resources Information Center

Cunningham, Alisa F.; Kienzl, Gregory S.

2011-01-01

Student financial aid--including grants and loans--plays a key role in supporting students' access to and success in college. Yet, despite periodic increases in grant funding, students and their families have increasingly relied on borrowing to cover more of the costs of higher education. As the number of student borrowers has increased and their…

Trouble Ahead for Student Loans?

ERIC Educational Resources Information Center

Ergungor, O. Emre; Hathaway, Ian

2008-01-01

The market for student loans may differ in some respects from other financial markets, but private lenders are the primary source of funds. As in other markets, the incentive to lend those funds comes from the ability to make a profit. But recent turmoil in financial markets is affecting all of the factors that contribute to the profitability of…

Drowning in Debt: The Emerging Student Loan Crisis. Charts You Can Trust

ERIC Educational Resources Information Center

Dillon, Erin; Carey, Kevin

2009-01-01

The authors find that college students are borrowing more and taking on riskier forms of debt than ever before. If tuition increases continue to grow faster than inflation and family income and grant aid fails to keep pace, the authors project that more students will be left with few choices beyond student loans--and, increasingly, private loans.…

Development and Validation of Discriminant Analysis Models for Student Loan Defaultees and Non-Defaultees.

ERIC Educational Resources Information Center

Myers, Greeley; Siera, Steven

1980-01-01

Default on guaranteed student loans has been increasing. The use of discriminant analysis as a technique to identify "good" v "bad" student loans based on information available from the loan application is discussed. Research to test the ability of models to such predictions is reported. (Author/MLW)

Multivariate Analysis of Student Loan Defaulters at Texas A&M University

ERIC Educational Resources Information Center

Steiner, Matt; Teszler, Natali

2005-01-01

In an effort to better understand student loan default behavior at Texas A&M University (TAMU), the research staff at TG, at the request of TAMU, conducted a study of the relationship between loan default, on the one hand, and many student and borrower characteristics, on the other hand. The study examines the default behavior of 12,776…

Student Loan Programs: Lower Interest Rates and Higher Loan Volume Have Increased Federal Consolidation Loan Costs. Testimony before the Committee on Education and the Workforce, House of Representatives. GAO-04-568T

ERIC Educational Resources Information Center

US General Accounting Office, 2004

2004-01-01

This statement focuses on issues related to consolidation loans and their cost implications for taxpayers and borrowers. Consolidation loans, available under the Department of Education?s (Education's) two major student loan programs?the Federal Family Education Loan Program (FFELP) and the William D. Ford Direct Loan Program (FDLP)?help borrowers…

Student Loans Repayment in China: Designing a New Model to Ease the Repayment Burden

ERIC Educational Resources Information Center

Shen, Hua; Shen, Hong; Ziderman, Adrian

2009-01-01

The relatively short repayment periods of four or six years after graduation under the Government-Subsidized Student Loan (GSSL), the main student loans programme in China, has, since its implementation in 1999, imposed considerable hardship in repaying loans. This paper presents a new diversified repayment model, the "geometric proportion…

Above and Beyond: What Eight Colleges Are Doing to Improve Student Loan Counseling. Research Report

ERIC Educational Resources Information Center

Fletcher, Carla; Webster, Jeff; Klepfer, Kasey; Fernandez, Chris

2015-01-01

Borrowing student loans can be confusing and intimidating, enough so that these feelings can influence how students go to college or whether they even enroll at all. Colleges have a responsibility to provide loan counseling to federal student loan borrowers--which, when done intently, can produce a potentially clarifying and empowering experience.…

Strategies to Test for Private Student Loan Discrimination

ERIC Educational Resources Information Center

Darolia, Rajeev

2014-01-01

Little is known about private student loan discrimination, in contrast to the relatively developed research on discrimination in other credit markets such as mortgages and credit cards. The private student lending market can play a key role in responding to changes in the policy or economic environment, and many students and their families turn to…

Student Loans Schemes in Mauritius: Experience, Analysis and Scenarios

ERIC Educational Resources Information Center

Mohadeb, Praveen

2006-01-01

This study makes a comprehensive review of the situation of student loans schemes in Mauritius, and makes recommendations, based on best practices, for setting up a national scheme that attempts to avoid weaknesses identified in some of the loans schemes of other countries. It suggests that such a scheme would be cost-effective and beneficial both…

Recruiting first generation college students into the Geosciences: Alaska's EDGE project

NASA Astrophysics Data System (ADS)

Prakash, A.; Connor, C.

2008-12-01

Funded in 2005-2008, by the National Science Foundation's Geoscience Education Division, the Experiential Discoveries in Geoscience Education (EDGE) project was designed to use glacier and watershed field experiences as venues for geospatial data collected by Alaska's grade 6-12 middle and high school teachers and their students. EDGE participants were trained in GIS and learned to analyze geospatial data to answer questions about the warming Alaska environment and to determine rates of ongoing glacier recession. Important emphasis of the program was the recruitment of Alaska Native students of Inupiat, Yup'ik, Athabascan, and Tlingit populations, living in both rural and urban areas around the state. Twelve of Alaska's 55 school districts have participated in the EDGE program. To engage EDGE students in the practice of scientific inquiry, each was required to carry out a semester scale research project using georeferenced data, guided by their EDGE teacher and mentor. Across Alaska students investigated several Earth systems processes including freezing conditions of lake ice; the changes in water quality in storm drains after rainfall events; movements of moose, bears, and bison across Alaskan landscapes; changes in permafrost depth in western Alaska; and the response of migrating waterfowl to these permafrost changes. Students correlated the substrate beneath their schools with known earthquake intensities; measured cutbank and coastal erosion on northern rivers and southeastern shorelines; tracked salmon infiltration of flooded logging roads; noted the changing behavior of eagles during late winter salmon runs; located good areas for the use of tidal power for energy production; tracked the extent and range of invasive plant species with warming; and the change of forests following deglaciation. Each cohort of EDGE students and teachers finished the program by attended a 3-day EDGE symposium at which students presented their research projects first in a

Student Loan Debt and Economic Outcomes. Current Policy Perspective No. 14-7

ERIC Educational Resources Information Center

Cooper, Daniel; Wang, J. Christina

2014-01-01

This policy brief advances the growing literature on how student loan debt affects individuals' other economic decisions. Specifically, it examines the impact of student loan liabilities on individuals' homeownership status and wealth accumulation. The analysis employs a rich set of financial and demographic control variables that are not…

Examination of Financial Statements of Student Loan Insurance Fund Fiscal Year 1973.

ERIC Educational Resources Information Center

Comptroller General of the U.S., Washington, DC.

This document examines the fiscal year 1973 financial statements of the Student Loan Insurance Fund, administered by the Office of Education, Department of Health, Education, and Welfare. Findings indicate: (1) The automated Guaranteed Student Loan System (GSLS) contains inaccurate data files and computer programs that do not process the data…

Fewer Resources, More Debt: Loan Debt Burdens Students at Historically Black Colleges and Universities

ERIC Educational Resources Information Center

Saunders, Katherine M.; Williams, Krystal L.; Smith, Cheryl L.

2016-01-01

Student loans have become an increasingly important way for students and their families to pay for college, but for students at historically black colleges and universities (HBCUs), student loan debt is a substantial burden. Students who attend these institutions--many of whom are low-income and first-generation--must borrow at higher rates and,…

Evaluating the Student Loan Fund of Thailand

ERIC Educational Resources Information Center

Tangkitvanich, Somkiat; Manasboonphempool, Areeya

2010-01-01

The Thai higher education sector has expanded quickly during the past decade, making a transition from an elitist to a mass institution. A driving force behind the expansion was believed to be the Student Loan Fund (SLF), introduced in 1996. During the first 10 years of its operation, the SLF has lent to more than 2.6 million students, with the…

Costs and Policy Options for Federal Student Loan Programs. A CBO Study

ERIC Educational Resources Information Center

Lucas, Deborah; Moore, Damien

2010-01-01

The Department of Education oversees various programs to help students pay for the costs of postsecondary education. This Congressional Budget Office (CBO) study focuses on the two largest student loan programs created under the authority of the Higher Education Act of 1965 (as amended): (1) The Federal Family Education Loan (FFEL) program, which…

Recommendations for Reducing the Default Rate in the Guaranteed Student Loan Program.

ERIC Educational Resources Information Center

Meznek, James; Wilson, Al

A series of recommendations is presented for reducing default rates in the Guaranteed Student Loan (GSL) program. First, a summary is provided of trends toward the increasing dependence of students on loans to finance their college education and the large and growing default rate among borrowers. Next, four issues are discussed: Should lenders…

Student Loan Default: Do Characteristics of Four-Year Institutions Contribute to the Puzzle?

ERIC Educational Resources Information Center

Webber, Karen L.; Rogers, Sharon L.

2010-01-01

College student debt and loan default are growing concerns in the United States. For each U.S. institution, the federal government is now reporting a cohort default rate, which is the percent of students who defaulted on their loan, averaged over a three-year period. Previous studies have amply shown that student characteristics are strongly…

Racial and Ethnic Variation in the Relationship Between Student Loan Debt and the Transition to First Birth.

PubMed

Min, Stella; Taylor, Miles G

2018-02-01

The present study employs discrete-time hazard regression models to investigate the relationship between student loan debt and the probability of transitioning to either marital or nonmarital first childbirth using the 1997 National Longitudinal Survey of Youth (NLSY97). Accounting for nonrandom selection into student loans using propensity scores, our study reveals that the effect of student loan debt on the transition to motherhood differs among white, black, and Hispanic women. Hispanic women holding student loans experience significant declines in the probability of transitioning to both marital and nonmarital motherhood, whereas black women with student loans are significantly more likely to transition to any first childbirth. Indebted white women experience only a decrease in the probability of a marital first birth. The results from this study suggest that student loans will likely play a key role in shaping future demographic patterns and behaviors.

Disparities in Debt: Parents' Socioeconomic Resources and Young Adult Student Loan Debt

ERIC Educational Resources Information Center

Houle, Jason N.

2014-01-01

In an era of rising college costs and stagnant grant-based student aid, many young adults rely on their parents' resources and student loans to pay for their postsecondary education. In this study I ask how parents' income and education are linked to young adults' student loan debt. I develop and test two perspectives regarding the…

Informed or Overwhelmed? A Legislative History of Student Loan Counseling with a Literature Review on the Efficacy of Loan Counseling. Research Report

ERIC Educational Resources Information Center

Klepfer, Kasey

2015-01-01

This report (the first in a series of five) explores congressional efforts to mitigate that risk and encourage informed borrowing by enacting statutes related to student loan counseling. After introducing the relevant contemporary policy context, it examines how federal rules governing student loan counseling evolved over time to embrace online…

Complaints Soar over Student-Loan Collections

ERIC Educational Resources Information Center

Field, Kelly

2012-01-01

Over the past five years, the number of complaints filed against agencies collecting on behalf of the U.S. Department of Education has grown by 45 percent. The Federal Trade Commission, which oversees the entire industry, received 142,743 complaints involving debt-collection companies last year, though only some involved student loans. Consumer…

A qualitative study of motivation in Alaska Native Science and Engineering Program (ANSEP) precollege students

NASA Astrophysics Data System (ADS)

Yatchmeneff, Michele

The dramatic underrepresentation of Alaska Natives in science, technology, engineering and mathematics (STEM) degrees and professions calls for rigorous research in how students access these fields. Research has shown that students who complete advanced mathematics and science courses while in high school are more academically prepared to pursue and succeed in STEM degree programs and professions. There is limited research on what motivates precollege students to become more academically prepared before they graduate from high school. In Alaska, Alaska Native precollege students regularly underperform on required State of Alaska mathematics and science exams when compared to non-Alaska Native students. Research also suggests that different things may motivate Alaska Native students than racial majority students. Therefore there is a need to better understand what motivates Alaska Native students to take and successfully complete advanced mathematics and science courses while in high school so that they are academically prepared to pursue and succeed in STEM degrees and professions. The Alaska Native Science & Engineering Program (ANSEP) is a longitudinal STEM educational enrichment program that works with Alaska Native students starting in middle school through doctoral degrees and further professional endeavors. Research suggests that Alaska Native students participating in ANSEP are completing STEM degrees at higher rates than before the program was available. ANSEP appears to be unique due to its longitudinal approach and the large numbers of Alaska Native precollege, university, and graduate students it supports. ANSEP provides precollege students with opportunities to take advanced high school and college-level mathematics and science courses and complete STEM related projects. Students work and live together on campus during the program components. Student outcome data suggests that ANSEP has been successful at motivating precollege participants to

Two Studies Assessing the Effectiveness of Early Intervention on the Default Behavior of Student Loan Borrowers

ERIC Educational Resources Information Center

Seifert, Charles F.; Wordern, Lorenz

2004-01-01

The cost of student loan defaults is a growing problem. At the beginning of this century, defaulted student loans exceed $25 billion (Student Aid News, 2001). In addition to the costs borne by the taxpayer as the federal government purchases defaulted accounts, there are costs incurred by schools, lenders, loan servicers, and guaranty agencies for…

Student Loan Forbearance and Its Relationship to Default. Synopsis: Higher Education Research Highlights.

ERIC Educational Resources Information Center

Price, Derek V.

As the number and volume of student loans increase nationally, lenders and policymakers look more closely at the use of loan forbearance. This paper examines whether forbearance really cuts the risk of loan default by reporting on a study of more than 9,800 Stafford loans in forbearance in December 1996. That research shows that the default rate…

Effective Counseling, Empowered Borrowers: An Evidence-Based Policy Agenda for Informed Student Loan Borrowing and Repayment. Research Report

ERIC Educational Resources Information Center

Fernandez, Chris

2016-01-01

To manage their loans effectively, U.S. postsecondary student loan borrowers must make a variety of important decisions that require significant knowledge and financial skills and entail considerable risk. Federal law requires colleges to provide student loan counseling to their federal student loan borrowers, but there is significant room for…

76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-22

... DEPARTMENT OF EDUCATION 34 CFR Part 668 [Docket ID ED-2009-OPE-0003] RIN 1840-AC95 Institutions and Lender Requirements Relating to Education Loans, Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal Direct Loan...

President Hails Continued Decline in Default Rate on Student Loans.

ERIC Educational Resources Information Center

Burd, Stephen

1997-01-01

President Bill Clinton used the declining default rate on college student loans as a basis for proposing tax breaks for college costs. Reduced defaults have saved taxpayer money and helped reduce the federal deficit. Over 150 colleges and universities, including 25 private institutions, risk losing eligibility for federal grant and loan programs…

Nursing Student Loan Debt: A Secondary Analysis of the National Student Nurses' Association Annual Survey of New Graduates.

PubMed

Feeg, Veronica D; Mancino, Diane J

2014-01-01

The purpose of this study is to describe nursing student loan debt and financial choices from a secondary analysis of the National Student Nurses Association Annual New Graduate Survey. The findings in the secondary analysis show loan debt incurred by nursing students comparable to loan debt reported recently for all new college graduates in general. However, comparing types of programs and types of schools yielded clear variations. More than one-third of new graduates who reported having loans to repay were unemployed; more than one-quarter of those who worked part-time and one-quarter of those who worked full-time to finance their education were unemployed; and almost one-third of students whose parents had paid for their education were unemployed. New graduates from for-profit schools were more likely to report they had accumulated high debt to pay for school than all new graduates combined. Nursing students enter the job market with substantial financial debt that may impact their future. Educators and policymakers need to address these growing concerns to sustain a healthy supply of nurses.

42 CFR 60.51 - The student loan application.

Code of Federal Regulations, 2011 CFR

2011-10-01

... school may request that the student provide a certified copy of his or her birth certificate, his or her... 42 Public Health 1 2011-10-01 2011-10-01 false The student loan application. 60.51 Section 60.51 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION...

42 CFR 60.51 - The student loan application.

Code of Federal Regulations, 2012 CFR

2012-10-01

... school may request that the student provide a certified copy of his or her birth certificate, his or her... 42 Public Health 1 2012-10-01 2012-10-01 false The student loan application. 60.51 Section 60.51 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION...

42 CFR 60.51 - The student loan application.

Code of Federal Regulations, 2014 CFR

2014-10-01

... school may request that the student provide a certified copy of his or her birth certificate, his or her... 42 Public Health 1 2014-10-01 2014-10-01 false The student loan application. 60.51 Section 60.51 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION...

42 CFR 60.51 - The student loan application.

Code of Federal Regulations, 2010 CFR

2010-10-01

... school may request that the student provide a certified copy of his or her birth certificate, his or her... 42 Public Health 1 2010-10-01 2010-10-01 false The student loan application. 60.51 Section 60.51 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION...

42 CFR 60.51 - The student loan application.

Code of Federal Regulations, 2013 CFR

2013-10-01

... school may request that the student provide a certified copy of his or her birth certificate, his or her... 42 Public Health 1 2013-10-01 2013-10-01 false The student loan application. 60.51 Section 60.51 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION...

State Guarantee Agencies and Capital Avaialability for Student Loans. Papers in Education Finance. Paper No. 22.

ERIC Educational Resources Information Center

Hyde, William D., Jr.

The relationship between capital available for student loans and the types of programs through which loans are made to students is examined in this paper on educational finance. Cost of attendance, amount of grant aid, and ability to pay are investigated as factors that affect the amount of loans a student needs to finance a college education.…

The Impact of Significant Federal Student Loan Policy Changes and the Role of States in Student Credit.

ERIC Educational Resources Information Center

Wennerdahl, Carol; Boyd, Joseph D.

This monograph reviews the role of the states in federal student loan programs since the inception of the Guaranteed Student Loan Program under Title IV, Part B of the Higher Education Act of 1965. Part I examines the program during its first 15 years when the program was experiencing its most turbulent times. State and federal roles were fluid…

Student Loan Debt Implications for Hispanic Students Who Have Graduated from College

ERIC Educational Resources Information Center

Rodriguez, Eric

2016-01-01

This quantitative correlational non-experimental study examines some major implications of student loan debt that Hispanics face upon graduation from institutions of higher learning. It provides both descriptive and correlational statistics to help view how Hispanics differ from non-Hispanics graduate students in their plight to live the American…

The Cost of Access: Racial Disparities in Student Loan Burdens of Young Adults

ERIC Educational Resources Information Center

Kim, Jinhee; Chatterjee, Swarn; Young, J.; Moon, U. J.

2017-01-01

Student loans have become a social-financial issue in the United States. This study uses a nationally representative dataset to examine the association between financial socialization and student loan borrowing behavior of individuals after controlling a number of different socio-demographic factors. Results show that the financial burdens of…

Participating in the Direct Student Loan Program: Tips for Success.

ERIC Educational Resources Information Center

Macro International, Inc., Calverton, MD.

This guide provides information for schools considering whether to participate in the Federal Direct Student Loan Program, and it offers advice on how to plan for and operate the loan program at an individual school. The information in the guide is presented in a way that follows the steps that need to be taken in planning and implementing the…

A Predictive Model of Student Loan Default at a Two-Year Community College

ERIC Educational Resources Information Center

Brown, Chanda Denea

2015-01-01

This study explored whether a predictive model of student loan default could be developed with data from an institution's three-year cohort default rate report. The study used borrower data provided by a large two-year community college. Independent variables under investigation included total undergraduate Stafford student loan debt, total number…

Student Loan Debt: How Are the Funds Spent?

ERIC Educational Resources Information Center

Wilbert, Janet M.; Haddad, Mahmoud

2014-01-01

The purpose for this research is to investigate the spending patterns of undergraduate and graduate students in a Tennessee, four-year, public institution. The cost of attending a college or university is often cited as the source for student loan debt spiraling out of control. Not to marginalize the impact that increasing tuition, fees, and books…

Is a Student Loan Crisis on the Horizon?

ERIC Educational Resources Information Center

Akers, Beth; Chingos, Matthew M.

2014-01-01

College tuition and student debt levels have been increasing at a fast pace for at least two decades. These well-documented trends, coupled with an economy weakened by a major recession, have raised serious questions about whether the market for student debt is headed for a crisis, with many borrowers unable to repay their loans and taxpayers…

75 FR 36426 - Legislative Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-25

... Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public Health Service Act....) 111-148. Section 5202 of the ACA changes the Nursing Student Loan (NSL) program by: (1) Increasing the.... SUPPLEMENTARY INFORMATION: The Nursing Student Loan (NSL) program was authorized by the Nurse Training Act of...

The Role of Market Forces in Providing Student Loans.

ERIC Educational Resources Information Center

Burd, Stephen

2000-01-01

Discusses issues addressed by a Congessionally mandated panel to identify and evaluate options for infusing market forces into the student loan program. Notes possible advantages. Conflicting views of the panel's student representatives, college administrators, and lenders are reported concerning reductions of lenders' profits, removal of…

The Role of Student Loan Programs in Higher Education Policy in the United States

ERIC Educational Resources Information Center

Amatya, Sachi

2009-01-01

The increasing cost of higher education, coupled with the inability of federal and state governments to sustain parallel increases in levels of funding for student financial aid, has led to significant growth of student loans. This project analyzes the multidimensional student loans space in the US. This project also compares and contrasts some of…

What Pennsylvania Health Care Students Would Want for Participating in Loan Forgiveness Programs.

ERIC Educational Resources Information Center

Redd, Kenneth E.

The results of a survey of students majoring in health care fields regarding a proposed program in which educational loans would be forgiven in exchange for serving medically underserved Pennsylvanians are discussed in this report. The survey sought to discover whether students would be interested in participating in a "loan forgiveness"…

Student Loan Defaults in Texas: Yesterday, Today, and Tomorrow.

ERIC Educational Resources Information Center

Webster, Jeff; Meyer, Don; Arnold, Adreinne

In 1988, the Texas student aid community addressed the issue of defaults in the guaranteed student loan program, creating a strategic default initiative. In June 1998, this same group of student aid officials met again to examine the current status of defaults and to share ideas on ways to prevent defaults. This report was intended as a resource…

Student Loan Lenders: Information on the Activities of the First Independent Trust Company.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

Information is provided on the activities of the First Independent Trust Company (FITCO) of Carmichael, California, which made loans to students participating in the Stafford Student Loan Program until California's State Banking Department closed it in May 1989. During the 11 years FITCO was in the Stafford program, it made over $1 billion in…

34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

Code of Federal Regulations, 2011 CFR

2011-07-01

... ineligible students. (a) If an institution makes a payment of a grant or a disbursement of a Federal Perkins... (2) Making a reasonable effort to collect the payment or Federal Perkins loan. (b) If an institution... an institution is liable for a payment of a grant or Federal Perkins loan to an ineligible student...

34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

Code of Federal Regulations, 2010 CFR

2010-07-01

... ineligible students. (a) If an institution makes a payment of a grant or a disbursement of a Federal Perkins... (2) Making a reasonable effort to collect the payment or Federal Perkins loan. (b) If an institution... an institution is liable for a payment of a grant or Federal Perkins loan to an ineligible student...

College on Credit: A Multilevel Analysis of Student Loan Default

ERIC Educational Resources Information Center

Hillman, Nicholas W.

2014-01-01

This study updates and expands the literature on student loan default. By applying multilevel regression to the Beginning Postsecondary Students survey, four key findings emerge. First, attending proprietary institutions is strongly associated with default, even after accounting for students' socioeconomic and academic backgrounds. Second,…

77 FR 29988 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-21

... benefits under the Department of Defense's Student Loan Repayment Program, or having a federal education... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford... her William D. Ford Federal Direct Loan (Direct Loan) or Federal Family Education Loan (FFEL) Program...

78 FR 13327 - Request for Information Regarding an Initiative To Promote Student Loan Affordability

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-27

... loan balances, with even more in delinquency. Federal student loans frequently provide for income-based... the levels of delinquency and default. \\4\\ Department of the Treasury, Office of Financial Research..., including lenders and loan servicers; Nationally recognized statistical rating organizations (NRSROs...

Interest Subsidies on Student Loans: A Better Class of Drain. CEE DP 114

ERIC Educational Resources Information Center

Barr, Nicholas; Johnston, Alison

2010-01-01

The British system of student loans has a zero real rate of interest, less than it costs the government to borrow the money. This paper discusses the problems that arise from interest subsidies in the UK system of student loans; systems in other countries, for example Australia and New Zealand, face similar problems. The topic appears to be narrow…

Halving Student Loan Interest Rates Is Unaffordable and Ineffective. WebMemo No. 1308

ERIC Educational Resources Information Center

Riedl, Brian M.

2007-01-01

The House of Representatives will likely vote this week on a proposal to halve the 6.8 percent interest rate on subsidized student loans as part of the new congressional majority's 100-Hour agenda. This document presents six problems with halving student loan interest rates and argues that, rather than providing billions in new federal subsidies,…

Managing Student Loan Default Risk: Evidence from a Privately Guaranteed Portfolio.

ERIC Educational Resources Information Center

Monteverde, Kirk

2000-01-01

Application of the statistical techniques of survival analysis and credit scoring to private education loans extended to law students found a pronounced seasoning effect for such loans and the robust predictive power of credit bureau scoring of borrowers. Other predictors of default included school-of-attendance, school's geographic location, and…

77 FR 76584 - Alaska Disaster #AK-00025

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-28

... Administrative declaration of a disaster for the State of Alaska dated 12/18/2012. Incident: High Winds and Flooding. Incident Period: 09/15/2012 through 09/30/2012. Effective Date: 12/18/2012. Physical Loan Application Deadline Date: 02/18/2013. Economic Injury (EIDL) Loan Application Deadline Date: 09/18/2013...

The Impact of Increased Loan Utilization among Low Family Income Students.

ERIC Educational Resources Information Center

Mortenson, Thomas G.

This study used economic investment theory and attitudinal survey data to examine the relationship between the decline in low-income participation in higher education and the substitution of loans for grants in federal student financial aid programs. Loans are seen to substantially decrease the net benefits of college attendance to low-income…

Widening Participation in Higher Education: A Social Justice Analysis of Student Loans in Tanzania

ERIC Educational Resources Information Center

Msigwa, Faustina M.

2016-01-01

Financing of higher education (HE) through provision of student loans has become the most popular strategy globally for funding undergraduate degrees; hence, widening participation in HE depends crucially on socially just distribution of loans. Tanzanian financial assistance policy aims to support students from low-socio-economic status (SES)…

Sick of our loans: Student borrowing and the mental health of young adults in the United States.

PubMed

Walsemann, Katrina M; Gee, Gilbert C; Gentile, Danielle

2015-01-01

Student loans are increasingly important and commonplace, especially among recent cohorts of young adults in the United States. These loans facilitate the acquisition of human capital in the form of education, but may also lead to stress and worries related to repayment. This study investigated two questions: 1) what is the association between the cumulative amount of student loans borrowed over the course of schooling and psychological functioning when individuals are 25-31 years old; and 2) what is the association between annual student loan borrowing and psychological functioning among currently enrolled college students? We also examined whether these relationships varied by parental wealth, college enrollment history (e.g. 2-year versus 4-year college), and educational attainment (for cumulative student loans only). We analyzed data from the National Longitudinal Survey of Youth 1997 (NLSY97), a nationally representative sample of young adults in the United States. Analyses employed multivariate linear regression and within-person fixed-effects models. Student loans were associated with poorer psychological functioning, adjusting for covariates, in both the multivariate linear regression and the within-person fixed effects models. This association varied by level of parental wealth in the multivariate linear regression models only, and did not vary by college enrollment history or educational attainment. The present findings raise novel questions for further research regarding student loan debt and the possible spillover effects on other life circumstances, such as occupational trajectories and health inequities. The study of student loans is even more timely and significant given the ongoing rise in the costs of higher education. Copyright © 2014 Elsevier Ltd. All rights reserved.

The Smart Approach to Student Loans and Consumer Debt.

ERIC Educational Resources Information Center

Missouri State Dept. of Higher Education, Jefferson City.

This brochure contains information about student loans for college applicants and students in Missouri. It is a resource to assist borrowers in making smart repayment decisions and in understanding the options to avoid delinquency and default. Things to consider before one borrows, how to increase one's resources, and how to decrease one's…

Effect of Defaulted Student Loans on Return to Work Efforts. Policy & Practice Brief #7

ERIC Educational Resources Information Center

Cebula, Ray; Hager, Ronald M.

2003-01-01

Many individuals with disabilities may have attempted college either before or after they became disabled. If prior college attempts were unsuccessful, the student may have defaulted on student loans. When the loans are secured by the federal government, the individual will not be eligible for further financial assistance, including all federal…

University of Alaska Anchorage Student Information, Summer 2000 Closing.

ERIC Educational Resources Information Center

Alaska Univ., Anchorage. Office of Institutional Planning, Research, and Assessment.

This statistical document from the University of Alaska Anchorage provides charts and graphs regarding students and student activities at the six-campus institution, including Prince William Sound Community College, for summer 2000. Included is information on student headcount and student characteristics as well as credit hours at each campus.…

Lender Profitability in the Student Loan Program.

ERIC Educational Resources Information Center

Jenkins, Sarah

This report provides results of a study that measured lender profitability in the Guaranteed Student Loan (GSL) program and compares these results with the profitability of other types of lending. Data analysis reveals credit card lending to be the highest average level of profitability over the 5-year period considered. Other lending types, in…

Quantitative Study Examining the Relationship between Demographic Factors and Loan Default among 4-Year College Students

ERIC Educational Resources Information Center

Cobb, Ashley K.

2017-01-01

The rate of default on college loans in the United States is staggering and poses a major financial threat not only to the students who are unable to repay their student loans but the U.S. economy. For instance, in 2011, borrowers at nonprofit and for-profit 4-year colleges accounted for almost 50% of all federal loan recipients. College students…

Student-Loan Inquiry Expands to Examine Issues of Race

ERIC Educational Resources Information Center

Basken, Paul

2007-01-01

Federal and state officials investigating the student-loan industry are turning their attention to matters of race, hoping to protect students of the nation's historically black colleges. But the colleges themselves are not sure they want the help. New York's attorney general, Andrew M. Cuomo, and the chairman of the U.S. House education…

We've Let Student Loans Become a Horror Story ... Now Is Time to Face It

ERIC Educational Resources Information Center

Combe, Paul

2013-01-01

This article highlights an issue that has been slowly simmering over the past 30 years--Student Debt. As government loans quietly edged out grants, and college tuition continued to rise, debt has been piled on students without adequately preparing them to manage it. Research reports about 30% of the 37 million Americans with student loans are…

Student Loans, Student Financial Aid and Post-Secondary Education in Canada.

ERIC Educational Resources Information Center

Finnie, Ross

2002-01-01

Briefly describes Canada's student loan system, including the typical costs of a year of postsecondary schooling and the levels of financial support available. Reports the results of an empirical analysis showing that borrowing remains at reasonable levels and repayment difficulties are still relatively uncommon. Suggests various reforms,…

States of Denial: Where Community College Students Lack Access to Federal Student Loans

ERIC Educational Resources Information Center

Cochrane, Debbie; Szabo-Kubitz, Laura

2016-01-01

Every year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts agree that, for those who need to borrow to pay for college, federal student loans are the safest and most affordable option. Unfortunately, some colleges choose not to participate in the federal…

At Issue: The Relationship between Student Loans and Low-Income Students' Baccalaureate Attainment: A Literature Review

ERIC Educational Resources Information Center

Yu, Hongwei

2014-01-01

The study conducts a review on the linkage between student loans and low-income students' baccalaureate degree achievement. Specifically, this study synthesizes literature on low-income students' borrowing patterns, low-income students' baccalaureate degree achievement, as well as the relationship between these two topics. Future research should…

American Indian/Alaska Native Students' Use of a University Student Support Office

ERIC Educational Resources Information Center

Yang, Raymond K.; Byers, Steven R.; Fenton, Beverly

2006-01-01

American Indian/Alaska Native college students responded to two surveys: one assessing their overall psychological status; the other, their current commitment to the traditions they learned as children. Students described their psychological status in reliable, yet diverse ways: displaced and lost; comfortable and naturally embedded; sick,…

The Effect of the Government-Subsidized Student Loan Program on College Students in China

ERIC Educational Resources Information Center

Cheng, Baoyan

2011-01-01

Using an original dataset collected at a Chinese university and adopting a difference-in-differences research design, this study draws causal inferences regarding the effect of the Government-Subsidized Student Loan Program (GSSLP) on financially needy students at Chinese higher education institutions. Specifically, this study finds that the…

Helping or Hindering? The Effects of Loans on Community College Student Persistence

ERIC Educational Resources Information Center

McKinney, Lyle; Burridge, Andrea Backscheider

2015-01-01

More community college students are taking out loans than ever before and their median debt levels are increasing. This trend is disconcerting because community college borrowers are overrepresented among loan defaulters and those who dropout without having earned a degree. While not without criticism, a growing number of community colleges are…

Actions Underway to Reduce Delinquencies in the Health Professions and Nursing Student Loan Programs.

ERIC Educational Resources Information Center

Comptroller General of the U.S., Washington, DC.

The problem of loan payment delinquency in the Health Professions and Nursing Student Loan Programs was reviewed. Problems that schools have had in billing and collecting outstanding loans and the lack of effective program monitoring by the Department of Health and Human Services (DHHS) were assessed, along with the DHHS' efforts to correct the…

Multivariate Analysis of Student Loan Defaulters at Texas A&M University--Kingsville

ERIC Educational Resources Information Center

Barone, Sandra; Steiner, Matt; Teszler, Natali

2005-01-01

This study examines the default behavior of 5,177 undergraduate student borrowers who attended Texas A&M University--Kingsville (TAMUK) and entered repayment of their TG-guaranteed Federal Family Education Loan Program (FFELP) loans between October 1, 1998 and September 30, 2002 (fiscal years 1999-2002). Using the Department of Education's…

Multivariate Analysis of Student Loan Defaulters at Prairie View A&M University

ERIC Educational Resources Information Center

Barone, Sandra

2006-01-01

This study examines the default behavior of 3,325 undergraduate student borrowers who attended Prairie View A&M University (PVAMU) and entered repayment on their TG-guaranteed Federal Family Education Loan Program (FFELP) loans between October 1, 2000 and September 30, 2002 (fiscal years 2001-2002). Using the Department of Education's official…

Report of the NASFAA Task Force on Student Loan Indebtedness

ERIC Educational Resources Information Center

National Association of Student Financial Aid Administrators, 2013

2013-01-01

In light of increasing concern about student loans, debt levels, and rising default rates, which coincide with worries about college costs, affordability, and transparency, the National Association of Student Financial Aid Administrators (NASFAA) convened a task force in 2012 to study this issue and make recommendations for improvement. NASFAA's…

78 FR 53433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-29

... Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan Program... Federal Student Aid announces the interest rates for the period July 1, 2013, through June 30, 2014, for..., 2010. The Chief Operating Officer takes this action to give notice of FFEL Program loan interest rates...

Selected Amendments Enacted Since 1980 To Control Guaranteed Student Loan Defaults. CRS Report for Congress.

ERIC Educational Resources Information Center

Fraas, Charlotte J.

Congress, over the past decade, has enacted a number of laws with provisions aimed at preventing defaults and improving collections on defaulted student loans. This report presents a synopsis of legislative provisions enacted to combat student loan defaults beginning with the Education Amendments of 1980. The laws included in the report are:…

Regulation of Colleges and Universities Under the Guaranteed Student Loan Program

ERIC Educational Resources Information Center

Jenkins, Harold B.

1976-01-01

As the Guaranteed Student Loan Program became a necessity for a substantial portion of students at many schools, statutory provisions were revised authorizing the Office of Education (OE) to regulate institutions participating in the program. Implications of this regulatory responsibility are discussed. (LBH)

Defaulted Student Loans. Private Lender Collection Efforts Often Inadequate. Report to the Secretary of Education.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

The increasing costs, paid by the Department of Education through 47 loan guaranty agencies, for defaulted loans made through the Guaranteed Student Loan Program prompted the General Accounting Office (GAO) to evaluate the policies and procedures used by the Department and the guaranty agencies. The purposes were to determine whether: (1) the…

GeoFORCE Alaska: Four-Year Field Program Brings Rural Alaskan High School Students into the STEM Pipeline

NASA Astrophysics Data System (ADS)

Fowell, S. J.; Rittgers, A.; Stephens, L.; Hutchinson, S.; Peters, H.; Snow, E.; Wartes, D.

2016-12-01

GeoFORCE Alaska is a four-year, field-based, summer geoscience program designed to raise graduation rates in rural Alaskan high schools, encourage participants to pursue college degrees, and increase the diversity of Alaska's technical workforce. Residents of predominantly Alaska Native villages holding degrees in science, technology, engineering, or math (STEM) bring valuable perspectives to decisions regarding management of cultural and natural resources. However, between 2010 and 2015 the average dropout rate for students in grades 7-12 was 8.5% per year in the North Slope School District and 7% per year in the Northwest Arctic School District. 2015 graduation rates were 70% and 75%, respectively. Statewide statistics highlight the challenge for Alaska Native students. During the 2014-2015 school year alone 37.6% of Alaska Native students dropped out of Alaskan public schools. At the college level, Alaska Native students are underrepresented in University of Alaska Fairbanks (UAF) science departments. Launched in 2012 by UAF in partnership with the longstanding University of Texas at Austin program, GeoFORCE applies the cohort model, leading the same group of high school students on geological field academies during four consecutive summers. Through a combination of active learning, teamwork, and hands-on projects at spectacular geological locations, students gain academic skills and confidence that facilitate high school and college success. To date, GeoFORCE Alaska has recruited two cohorts. 78% of these students identify as Alaska Native, reflecting community demographics. The inaugural cohort of 18 students from the North Slope Borough completed the Fourth-Year Academy in summer 2015. 94% of these students graduated from high school, at least 72% plan to attend college, and 33% will major in geoscience. A second cohort of 34 rising 9th and 10th graders entered the program in 2016. At the request of corporate sponsors, this cohort was recruited from both the

77 FR 28572 - Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-15

... (LVC) will serve as the means by which the U.S. Department of Education (the Department) collects certain information from commercial holders of Federal Family Education Loan (FFEL) Program loans that a... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Loan...

78 FR 53431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-29

... Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct Loan... Operating Officer for Federal Student Aid announces the interest rates for the period July 1, 2013, through...(b)), provides formulas for determining the interest rates charged to borrowers for loans made under...

A cross-disciplinary assessment of student loans debt, financial support for study and career preferences upon graduation.

PubMed

Webster, Craig S; Ling, Christopher; Barrow, Mark; Poole, Phillippa; Henning, Marcus

2017-07-21

To explore relationships between student loans debt, financial support and career preferences upon graduation for all healthcare disciplines offered at the Faculty of Medical and Health Sciences, University of Auckland. The Faculty Tracking Project is a longitudinal study which invites students to complete a questionnaire at the beginning and end of their educational programmes, including questions on debt, financial support and career preference. Our analysis comprised three phases: (1) a descriptive analysis of data related to debt and financial support; (2) a principal component analysis in order to find related categories of career choice; and (3) logistic regression models to determine how career preference categories could be explained by either levels of student loans debt or financial support. Data from 2,405 participating students were included. Students in health sciences, nursing and pharmacy typically accrue levels of student loans debt of around $15,000 to $29,999, while optometry students accrue debt around $15,000 higher. Medical students show debt distributed around modes of $0 and $90,000 or more. All students typically access three sources of financial support during study. Career preferences at graduation reduced to four categories for all health disciplines. We found five significant effects, involving students in health sciences, medicine and pharmacy, relating the number of sources of financial support to the four categories of career preference. No significant effects were found related to level of student loans debt. Our results suggest that financial support is a more strongly determining factor in career choices than the level of student loans debt. The four-category framework for student career preferences appears to be a useful model for further research.

42 CFR 57.207 - Maximum amount of health professions student loans.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Maximum amount of health professions student loans. 57.207 Section 57.207 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT...

Denying Loan Access: The Student-Level Consequences When Community Colleges Opt out of the Stafford Loan Program. A CAPSEE Working Paper

ERIC Educational Resources Information Center

Wiederspan, Mark

2015-01-01

The degree to which students are able to make adequate repayments on their student loans and avoid default is of special concern for colleges. If too many former students go into default, the college will face sanctions by the federal government and lose eligibility to provide currently enrolled students federal financial aid, such as the Pell…

75 FR 54661 - Alaska Disaster #AK-00018 Declaration of Economic Injury

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-08

... SMALL BUSINESS ADMINISTRATION [Disaster Declaration 12292] Alaska Disaster AK-00018 Declaration of Economic Injury AGENCY: U.S. Small Business Administration. ACTION: Notice. SUMMARY: This is a notice of an Economic Injury Disaster Loan (EIDL) declaration for the State of Alaska, dated 08/27/2010. Incident...

Policy Considerations for a Student-Loan Refinancing Authority

ERIC Educational Resources Information Center

State Council of Higher Education for Virginia, 2016

2016-01-01

Access and affordability are the main themes of Goal 1 of The Virginia Plan for Higher Education. Progress toward these goals can be measured by a variety of means, but access and affordability serve as foundational guiding principles as the Commonwealth of Virginia crafts its annual and biennial higher-education budgets. Student-loan debt is but…

Interlibrary Loan, the Key to Resource Sharing: A Manual of Procedures and Protocols.

ERIC Educational Resources Information Center

Alaska State Dept. of Education, Juneau. Div. of State Libraries.

Intended for use by librarians in Alaska, this manual provides general guidelines for the maximum utilization of library resources through interlibrary loan service. The first of four major sections describes the Alaska Library Network (ALN), which provides protocols and procedures to libraries for resource sharing; points out that new protocols…

34 CFR 674.12 - Loan maximums.

Code of Federal Regulations, 2011 CFR

2011-07-01

..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.12 Loan maximums. (a) The maximum annual amount of Federal Perkins Loans and NDSLs an eligible student may borrow is— (1) $5,500 for... professional student. (b) The aggregate unpaid principal amount of all Federal Perkins Loans and NDSLs received...

The Tangled World of Teacher Debt: Clashing Rules and Uncertain Benefits for Federal Student-Loan Subsidies

ERIC Educational Resources Information Center

Delisle, Jason; Holt, Alexander

2017-01-01

The world of student loans and debt forgiveness for teachers is a patchwork of overlapping programs, contradictory regulations, and expensive subsidies that date back to Dwight D. Eisenhower's signing of the National Defense Education Act of 1958. The 60-year experiment in using federal loan dollars to encourage students to become teachers could…

Student loan burden and its impact on career decisions in dermatology.

PubMed

Nguyen, Jannett; Song, Eingun; Liu, Michael A; Lee, Patrick K; Truong, Sam

2017-12-01

Dermatology departments in the United States face difficulties in recruiting dermatologists to academic positions, raising concerns for the future of dermatology education and research. This preliminary study aimed to explore the impact of student loan burden on career plans in dermatology and to determine if the Public Service Loan Forgiveness (PSLF) program can be used as a recruitment tool for academic positions in dermatology. Results from this electronic survey, which was distributed to dermatology residents and attending physicians, revealed that debt burden may influence career decisions in dermatology. Dermatologists may not be fully educated on loan repayment options. With increased awareness, the PSLF can potentially be used as a recruitment tool for academic positions in dermatology.

77 FR 71667 - Alaska Disaster #AK-00026 Declaration of Economic Injury

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-03

... SMALL BUSINESS ADMINISTRATION [Disaster Declaration 13393] Alaska Disaster AK-00026 Declaration of Economic Injury AGENCY: U.S. Small Business Administration. ACTION: Notice. SUMMARY: This is a notice of an Economic Injury Disaster Loan (EIDL) declaration for the State of Alaska, dated 11/21/2012. Incident: 2012...

Financial Literacy Makes Dollars and Sense for Student Loan Borrowers and Lenders

ERIC Educational Resources Information Center

Wilke, Alisa

2013-01-01

"American Student Assistance" has a unique window onto students during some very important milestones in their formative financial years. This nonprofit interacts with students from the time they're choosing a college, to applying for financial aid and loans, to starting a first job, getting that first apartment, making that dreaded…

GeoFORCE Alaska, A Successful Summer Exploring Alaska's Geology

NASA Astrophysics Data System (ADS)

Wartes, D.

2012-12-01

Thirty years old this summer, RAHI, the Rural Alaska Honors Institute is a statewide, six-week, summer college-preparatory bridge program at the University of Alaska Fairbanks for Alaska Native and rural high school juniors and seniors. This summer, in collaboration with the University of Texas Austin, the Rural Alaska Honors Institute launched a new program, GeoFORCE Alaska. This outreach initiative is designed to increase the number and diversity of students pursuing STEM degree programs and entering the future high-tech workforce. It uses Earth science to entice kids to get excited about dinosaurs, volcanoes and earthquakes, and includes physics, chemistry, math, biology and other sciences. Students were recruited from the Alaska's Arctic North Slope schools, in 8th grade to begin the annual program of approximately 8 days, the summer before their 9th grade year and then remain in the program for all four years of high school. They must maintain a B or better grade average and participate in all GeoFORCE events. The culmination is an exciting field event each summer. Over the four-year period, events will include trips to Fairbanks and Anchorage, Arizona, Oregon and the Appalachians. All trips focus on Earth science and include a 100+ page guidebook, with tests every night culminating with a final exam. GeoFORCE Alaska was begun by the University of Alaska Fairbanks in partnership with the University of Texas at Austin, which has had tremendous success with GeoFORCE Texas. GeoFORCE Alaska is managed by UAF's long-standing Rural Alaska Honors Institute, that has been successfully providing intense STEM educational opportunities for Alaskan high school students for over 30 years. The program will add a new cohort of 9th graders each year for the next four years. By the summer of 2015, GeoFORCE Alaska is targeting a capacity of 160 students in grades 9th through 12th. Join us to find out more about this exciting new initiative, which is enticing young Alaska Native

Financially At-Risk College Students: An Exploratory Investigation of Student Loan Debt and Prioritization of Debt Repayment

ERIC Educational Resources Information Center

Pinto, Mary Beth; Mansfield, Phylis M.

2006-01-01

College students today face heavy student loan debt that is intensified by the amount of credit card debt they carry. This study provides a profile of financially at-risk students based on their credit card usage behavior. When compared to the non-financially at-risk students, those in the financially at-risk group were found to have higher…

Study of the Cost and Flows of Capital in the Guaranteed Student Loan Program. Final Report.

ERIC Educational Resources Information Center

Touche Ross and Co., Washington, DC.

The flow of capital to and through the Guaranteed Student Loan (GSL) Program and the cost of that capital to the federal government and the individual borrower were studied. A review of the research on student loan capital was conducted, and automated cost models were developed to test assumptions and project future costs. Attention was directed…

Guaranteed Loans: Just Plain Expensive

ERIC Educational Resources Information Center

Petri, Thomas E.

2007-01-01

The investigation of New York State's attorney general, Andrew M. Cuomo, into the questionable practices of lenders in federal student-loan programs has helped raise public awareness of one of the greatest scams in our government: The Federal Family Education Loan program, otherwise known as the guaranteed-student-loan program, is unnecessarily…

Student Loans as a Means of Financing Higher Education: Lessons from International Experience. World Bank Staff Working Papers Number 599.

ERIC Educational Resources Information Center

Woodhall, Maureen

International experience with student loans as a means of financing higher education is examined, with particular reference to developing countries. After summarizing the main purposes and kinds of student loan programs and practices in developed countries, advantages and disadvantages of loans as a means of financing higher education are…

78 FR 33810 - Fishing Capacity Reduction Program for the Southeast Alaska Purse Seine Salmon Fishery

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-05

... Capacity Reduction Program for the Southeast Alaska Purse Seine Salmon Fishery AGENCY: National Marine... reduction loan for the fishing capacity reduction program in the Southeast Alaska purse seine salmon fishery... July 22, 2012. Since then, all harvesters of Southeast Alaska purse seine salmon must pay the fee and...

77 FR 52705 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program/NDSL...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-30

... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program/NDSL Assignment Form SUMMARY: The Federal Perkins Loan Program allows for assignment of... its efforts in recovering an outstanding loan. The Perkins Assignment Form serves as the transmittal...

34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 3 2011-07-01 2011-07-01 false Special terms: loans to less than half-time student borrowers. 674.32 Section 674.32 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of...

34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Special terms: loans to less than half-time student borrowers. 674.32 Section 674.32 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Terms of...

How CBO Analyzes the Sources of Lenders' Interest Income on Guaranteed Student Loans. A CBO Report

ERIC Educational Resources Information Center

Alsalam, Nabeel

2004-01-01

The Federal Family Education Loan (FFEL) program guarantees loans for postsecondary education to students and their parents at a limited interest rate. However, limiting borrowers' rates creates a danger that lenders will not be willing to participate in the program if their costs of financing and servicing the loans exceed the interest rates they…

Marine Science Training Program for Alaska Native Students

DTIC Science & Technology

1991-08-01

Seward Marine Center or Kasitsna Bay. In 1989 we decided that a more intensive internship with direct faculty involvement would be more effective ...at UAF provides orientation activities for prospective Native students from the states rural high schools. In addition RSS provides the Alaska Native...opportunity to explore the effects of science upon their daily lives will attract student to careers into oceanic and related sciences and further

Should All Student Loan Payments Be Income-Driven? Trade-Offs and Challenges. White Paper

ERIC Educational Resources Information Center

Asher, Lauren; Cheng, Diane; Thompson, Jessica

2014-01-01

This white paper analyzes the potential effects of requiring income-driven repayment for all federal loans as well as relying on paycheck withholding for loan payments, with particular attention to the implications for low-income students and families. The Institute for College Access & Success (TICAS) also examines the relevance and evolution…

Changes to the Student Loan Experience: Psychological Predictors and Outcomes

ERIC Educational Resources Information Center

Mueller, Thomas

2014-01-01

This study builds on the work of scholars who have explored psychological perceptions of the student loan experience. Survey analysis ("N" = 175) revealed a multidimensional model was developed through factor analysis and testing, which revealed four latent variables: "Duress," "Mandatory," "Financial," and…

Federal Student Loans: Better Oversight Could Improve Defaulted Loan Rehabilitation. Report to Congressional Requesters. GAO-14-256

ERIC Educational Resources Information Center

Emrey-Arras, Melissa

2014-01-01

The Department of Education (Education) relies on collection agencies to assist borrowers in rehabilitating defaulted student loans, which allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Education works with 22 collection agencies to locate borrowers and explain…

Web Sites Face Hurdles in Promising Students Unbiased Loan-Rate Comparisons

ERIC Educational Resources Information Center

Basken, Paul

2007-01-01

Someday students seeking a college loan might go to a Web site, fill out a brief questionnaire, and get connected to the lender with the best possible rate. Such a system would bring cheer to students seeking straight answers, lenders seeking fair competition, and colleges seeking relief from investigations led by Attorney General Andrew M. Cuomo…

78 FR 59011 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-25

... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the... Aid announces the interest rates for loans made under the William D. Ford Federal Direct Loan (Direct...(b)), provides formulas for determining the interest rates charged to borrowers for loans made under...

National Issues in Education: Community Service and Student Loans.

ERIC Educational Resources Information Center

Jennings, John F., Ed.

This book contains 11 essays that follow the community service and student loan legislation as it proceeded through Congress. The essays illuminate the policymaking process by explaining the evolution of new national policies and by tracing the history of these two pieces of legislation. The book is organized in three parts. The first two parts…

Balancing Two Cultures: American Indian/Alaska Native Medical Students' Perceptions of Academic Medicine Careers.

PubMed

Sánchez, John Paul; Poll-Hunter, Norma; Stern, Nicole; Garcia, Andrea N; Brewster, Cheryl

2016-08-01

American Indians and Alaska Natives (AI/AN) remain underrepresented in the academic medicine workforce and little is known about cultivating AI/AN medical students' interest in academic medicine careers. Five structured focus groups were conducted including 20 medical students and 18 physicians. The discussion guide explored factors influencing AI/AN trainees' academic medicine career interest and recommended approaches to increase their pursuit of academia. Consensual qualitative research was employed to analyze transcripts. Our research revealed six facilitating factors, nine dissuading factors, and five recommendations towards cultivating AI/AN pursuit of academia. Facilitators included the opportunity to teach, serving as a role model/mentor, enhancing the AI/AN medical education pipeline, opportunities to influence institution, collegiality, and financial stability. Dissuading factors included limited information on academic career paths, politics, lack of credit for teaching and community service, isolation, self-doubt, lower salary, lack of positions in rural areas, lack of focus on clinical care for AI/AN communities, and research obligations. Recommendations included heighten career awareness, recognize the challenges in balancing AI/AN and academic cultures, collaborate with IHS on faculty recruitment strategies, identify concordant role models/mentors, and identify loan forgiveness programs. Similar to other diverse medical students', raising awareness of academic career opportunities especially regarding teaching and community scholarship, access to concordant role models/mentors, and supportive institutional climates can also foster AI/AN medical students' pursuit of academia. Unique strategies for AI/AN trainees include learning how to balance AI/AN and academic cultures, collaborating with IHS on faculty recruitment strategies, and increasing faculty opportunities in rural areas.

3 CFR - Improving Repayment Options for Federal Student Loan Borrowers

Code of Federal Regulations, 2013 CFR

2013-01-01

... about $26,300. While a college education remains an excellent investment, this debt can be overly... allow income information to be seamlessly transmitted so that borrowers can complete the application at... Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education [and] the Secretary...

Time to Turn Attention to a Different Debt Limit: Downsize Federal Student Loan Programs

ERIC Educational Resources Information Center

Parker, Thomas D.

2011-01-01

The author has spent much of his working life studying and promoting student loans. As a good liberal Democrat, he spent years arguing for the expansion of the old Federal Family Education Loan Program (FFELP) which had its roots in Lyndon Johnson's War on Poverty. His professional life included stints working for one of the nonprofit FFELP…

Student Loan Debt Does Not Predict Female Physicians’ Choice of Primary Care Specialty

PubMed Central

Frank, Erica; Feinglass, Shamiram

1999-01-01

OBJECTIVE There has never been a conclusive test of whether there is a relation between ultimately choosing to be a primary care physician and one’s amount of student loan debt at medical school graduation. DESIGN/SETTING/PARTICIPANTS To test this question, we examined data from the Women Physicians’ Health Study, a large, nationally representative, questionnaire-based study of 4,501 U.S. women physicians. MEASUREMENTS AND MAIN RESULTS We found that the youngest physicians were more than five times as likely as the oldest to have had some student loan debt and far more likely to have had high debt levels (p < .0001). However, younger women physicians were also more likely to choose a primary care specialty (p < .002). There was no relation between being a primary care physician and amount of indebtedness (p = .77); this was true even when the results were adjusted for the physicians’ decade of graduation and ethnicity (p = .79). CONCLUSIONS Although there may be other reasons for reducing student loan debt, at least among U.S. women physicians, encouraging primary care as a specialty choice may not be a reason for doing so. PMID:10354254

Guaranteed Student Loans: Eliminating Interest Rate Floors Could Generate Substantial Savings. Report to the Honorable George D. Mitchell, U.S. Senate.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

A study was done of how interest rate floors on certain guaranteed student loans affect the federal government's and students' costs when rates on short-term government securities decline. The study developed cost comparisons using fixed and variable loan interest rates. For comparison Department of Education projections of loan volumes for fiscal…

Performance of the Higher Education Students Loans Board in Human Capital Investment from 2005-2015

ERIC Educational Resources Information Center

Memba, Albert Zephaniah; Feng, Zhao Zun

2016-01-01

Many studies conducted on the Higher Education Students Loans Board (HESLB) have mostly concentrated on its success, sustainability and effectiveness on loans issuance and repayment. None had focused on its performance towards human capital investment. This study sought to explain and analyze HESLB's performance in human capital investment, which…

77 FR 58819 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-24

... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford... William D. Ford Federal Direct Loan Program will use this form to request forbearance on their loans when... of Collection: William D. Ford Federal Direct Loan Program General Forbearance Request. OMB Control...

78 FR 5433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-25

... Federal Family Education Loan Program AGENCY: Federal Student Aid, Department of Education. ACTION: Notice... under the Federal Family Education Loan (FFEL) Program. The Chief Operating Officer takes this action to give notice of FFEL Program loan interest rates to the public. DATES: This notice is effective January...

From Passive to Proactive: Understanding and Improving the Borrower Experience with Online Student Loan Exit Counseling. Research Report

ERIC Educational Resources Information Center

Fernandez, Chris

2015-01-01

Legally mandated student loan exit counseling attempts to prepare borrowers of federal student loans for the repayment process; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the second in a series of five from TG Research) describes a study in which researchers…

Student Loan Debt for Community College Transfer Students and How Debt Information Letters Impact Future Borrowing Decisions

ERIC Educational Resources Information Center

Mckinney, Kenneth Paul

2017-01-01

There has been a proliferation of student loan debt over the past decade. The indebtedness that students incur while attending college reduces their discretionary income once they enter repayment after graduation. For graduates, there is an opportunity cost along with personal and professional life decisions being made based on this debt. For…

900 Institutions Could Be Dropped from Student-Aid Programs for High Loan-Default Rates; 55 Are Non-Profit Colleges.

ERIC Educational Resources Information Center

Zook, Jim

1993-01-01

Colleges risk losing eligibility for government student loan programs, because of tightened loan-repayment requirements for participating institutions. Economic factors and some data-processing errors are blamed for high student default rates. Default rates are charted by state, lender, institution type, and guarantee agency. Colleges threatened…

77 FR 29988 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-21

... borrowers in the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford... mailed to [email protected] or mailed to U.S. Department of Education, 400 Maryland Avenue SW., LBJ...

Deferred Cost Recovery for Higher Education: Student Loan Programs in Developing Countries. World Bank Discussion Papers, No. 137.

ERIC Educational Resources Information Center

Albrecht, Douglas; Ziderman, Adrian

This study analyzes the experience of existing higher education student loan programs in developing countries in order to understand their role in fostering cost recovery. Detailed financial analyses of 24 loan programs shows that present value of the repayments collected constitutes a small percentage of the loan value disbursed. In general,…

Student Loans and the Likelihood of Graduation: Evidence from Finnish Cohort Data

ERIC Educational Resources Information Center

Asplund, Rita; Abdelkarim, Oussama Ben; Skalli, Ali

2009-01-01

Most countries have experienced soaring enrolment rates into tertiary education. While this is beneficial both to involved students and to knowledge-based societies, it also makes the funding issue even more crucial than it is usually seen to be. This paper presents first results from an analysis of the effectiveness of student loans as a funding…

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2012 CFR

2012-10-01

... ASSISTANCE LOAN PROGRAM The Borrower § 60.7 The loan application process. (a)(1)(i) A student seeking a HEAL... accurately. (2) The student applicant must be informed of the Federal debt collection policies and procedures... student receiving the loan. The applicant must sign a certification statement attesting that the applicant...

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2010 CFR

2010-10-01

... ASSISTANCE LOAN PROGRAM The Borrower § 60.7 The loan application process. (a)(1)(i) A student seeking a HEAL... accurately. (2) The student applicant must be informed of the Federal debt collection policies and procedures... student receiving the loan. The applicant must sign a certification statement attesting that the applicant...

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2014 CFR

2014-10-01

... ASSISTANCE LOAN PROGRAM The Borrower § 60.7 The loan application process. (a)(1)(i) A student seeking a HEAL... accurately. (2) The student applicant must be informed of the Federal debt collection policies and procedures... student receiving the loan. The applicant must sign a certification statement attesting that the applicant...

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2013 CFR

2013-10-01

... ASSISTANCE LOAN PROGRAM The Borrower § 60.7 The loan application process. (a)(1)(i) A student seeking a HEAL... accurately. (2) The student applicant must be informed of the Federal debt collection policies and procedures... student receiving the loan. The applicant must sign a certification statement attesting that the applicant...

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2011 CFR

2011-10-01

... ASSISTANCE LOAN PROGRAM The Borrower § 60.7 The loan application process. (a)(1)(i) A student seeking a HEAL... accurately. (2) The student applicant must be informed of the Federal debt collection policies and procedures... student receiving the loan. The applicant must sign a certification statement attesting that the applicant...

Analysis of Student Loan Special Rate Allowances and Servicing Costs.

ERIC Educational Resources Information Center

Technology Management, Inc., Cambridge, MA.

This document addresses two separate, though related aspects of the operation of the Guaranteed Student Loan Program (GSLP): (1) the mechanism for setting the special rate allowance (SRA); and (2) the effect of the operating requirements of the program on lender servicing costs. The study develops recommendations for improving both aspects of the…

Formative Evaluation of the Canada Student Loans Program. Final Report

ERIC Educational Resources Information Center

Human Resources and Skills Development Canada, 2004

2004-01-01

The "Formative Evaluation of the Canada Student Loans Program" was undertaken to assess issues of program relevance, design and delivery and for the purposes of examining the early impacts of changes made to the program since 1998. The evaluation also reviewed the Performance Measurement Strategy contained in the July 2002 Results-Based…

Learning and Study Practices of Postsecondary American Indian/Alaska Native Students

ERIC Educational Resources Information Center

Aragon, Steven R.

2004-01-01

This study examined the learning and study practices of postsecondary American Indian/Alaska Native students attending community colleges in the southwest. Using a survey design, students completed the Kagan Matching Familiar Figures Test, the Schmeck, Ribich, and Ramanaiah Inventory of Learning Processes, and the Weinstein, Palmer, and Schulte…

From Texas to Alaska: Leading Hearing Impaired Elementary Students in Texas to Engage in Science of the Northern Lights Performed in Alaska.

NASA Astrophysics Data System (ADS)

Jahn, J. M.; Ibarra, S.; Pfeifer, M. D.; Samara, M.; Michell, R.

2014-12-01

Interacting with hearing impaired students who communicate using auditory/oral methods provides challenges and opportunities to education/outreach activities. Despite many advances in assistive technologies, these hearing impaired students will learn much less incidentally than their peers with typical hearing. In other words, they will often require repeated auditory and perhaps visual reinforcement in order to learn a new word or a new concept. This need leads to a much more deliberate and conscious interaction between educators or scientists and the students. We are reporting from a unique joint project between the Sunshine Cottage School for Deaf Children and the Southwest Research Institute (SwRI), to bring actual space research to life for hearing impaired elementary school students. During this project, we combined the unique capabilities of Deaf Education educators with the excitement and wonder of researching the northern lights. For three consecutive winters, we conducted a series of informal yet structured activities each year with fourth and fifth grade students. Our interactions went beyond typical classroom activities and readily available educational materials. Our goal was to engage and excite the students. To do so, we set up a series of interactions and mini-projects that introduced the students to actual research and actual researchers. From "meet the scientists" visits to school over a field trip to the SwRI space research facilities to observing and predicting the aurora using real-time space weather data, we engaged students in the "who" and "how" of doing research and field work in Alaska's winter. Over the course of this project, students connected with a remote school in the interior of Alaska, participated in the excitement of a NASA sounding rocket campaign in in Poker Flat, AK, skyped with researchers and students in Alaska, and made aurora predictions using NOAA real time space weather data. The highlight of the program each year was

Student Loan Guarantee Agencies and Their Financing. A Working Paper.

ERIC Educational Resources Information Center

Hansen, Janet S.; Wolfe, Mark L.

Guarantee agencies and their financing are discussed in order to increase awareness of their role and to provide information for policy decisions. Information is provided on: the history of the Guaranteed Student Loan (GSL) program, sources and uses of funds by state guarantee agencies for fiscal years (FY) 1982 and 1984, federal advances repaid…

The Guaranteed Student Loan Program: Options for Controlling Federal Costs While Preserving Needed Credit for College. A Discussion Paper.

ERIC Educational Resources Information Center

College Entrance Examination Board, Washington, DC.

The Reagan Administration's proposals concerning the Guaranteed Student Loan (GSL) Program and possible alternatives are examined. A variety of proposals are analyzed in terms of the estimated cost savings and potential effects on the supply of and demand for student loans. Background is also included on the history of legislative changes and…

A Time to Every Purpose: Understanding and Improving the Borrower Experience with Online Student Loan Entrance Counseling. Research Report

ERIC Educational Resources Information Center

Fernandez, Chris

2015-01-01

Legally mandated student loan entrance counseling attempts to prepare first-time borrowers of federal student loans for this challenge; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the third in a series of five from TG Research) describes a study in which…

The Effect of Loans on the Persistence and Attainment of Community College Students

ERIC Educational Resources Information Center

Dowd, Alicia C.; Coury, Tarek

2006-01-01

This study informs public policies regarding the use of subsidized loans as financial aid for community college students. Using logistic regression, it analyzes the National Center for Education Statistics' Beginning Postsecondary Students (BPS 90/94) data to predict persistence to the second year of college and associate's degree attainment over…

Delivering a lab experience to students in remote road-less locations in Alaska

NASA Astrophysics Data System (ADS)

Spencer, Vanessa; Solie, Daniel

2010-02-01

Bush Physics is a pilot physics course offered by the University of Alaska, Fairbanks. Taught both as a distance delivery course for rural students and as a traditional course to students in Fairbanks, it is designed to prepare rural (predominantly Alaska Native) students for success in STEM programs. While the lecture portion is successfully distance-delivered using teleconference, delivering the laboratory portion effectively has been more challenging. Bush Physics has been taught twice previously to a total of 24 students who otherwise would not have had access to physics instruction. Methods utilized to help distance education students complete the laboratory credit include mailing equipment kits, emailing pictures and video descriptions, travel to certain villages to do experiments during weekends and utilizing on-site mentors. Past results and feedback have improved the laboratory section for spring 2010. We plan to use testing and student surveys to begin to quantify improvement in student mathematical ability and reasoning. )

77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-13

... about $26,300. While a college education remains an excellent investment, this debt can be overly... allow income information to be seamlessly transmitted so that borrowers can complete the application at... Repayment Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education [and] the...

Assessing the Feasibility of Creating a SELF Loan Refinancing Program

ERIC Educational Resources Information Center

Kosir, Marilyn; Danette, Jerry; Li, Peter; Sanford, Thomas

2015-01-01

Since the Student Education Loan Fund (SELF) Loan program's inception in 1984, over 250,000 students have received more than $2 billion in SELF Loans to pursue their postsecondary education (Minnesota Office of Higher Education, 2014a). The SELF Loan program provides undergraduate and graduate students with long-term, low-interest educational…

45 CFR 2528.20 - What steps are necessary to use an education award to repay a qualified student loan?

Code of Federal Regulations, 2010 CFR

2010-10-01

... 45 Public Welfare 4 2010-10-01 2010-10-01 false What steps are necessary to use an education award to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to....20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required...

Direct Consolidation Loan Guide for Schools.

ERIC Educational Resources Information Center

Department of Education, Washington, DC.

This guide is intended to help educational institutions counsel students and parents about consolidation of federal education loans for borrowers in repayment, borrowers in default, and borrowers who are still in school. Through consolidation, borrowers may combine various types of federal education loans, including direct loans and loans made…

Influence of income, hours worked, and loan repayment on medical students' decision to pursue a primary care career.

PubMed

Rosenthal, M P; Diamond, J J; Rabinowitz, H K; Bauer, L C; Jones, R L; Kearl, G W; Kelly, R B; Sheets, K J; Jaffe, A; Jonas, A P

To assess the specialty plans of current fourth-year medical students and, for those not choosing primary care specialties, to investigate the potential effect that changes in key economic or lifestyle factors could have in attracting such students to primary care. A survey study was sent to 901 fourth-year medical students in the 1993 graduating classes of six US medical schools. Comparisons were made between students choosing and not choosing primary care specialties. For the non-primary care students, we also evaluated whether alteration of income, hours worked, or loan repayment could attract them to primary care careers. Of the 688 responses (76% response rate), primary care specialties were chosen by 27% of the students and non-primary care specialties by 73%. One quarter (25%) of the non-primary care students indicated they would change to primary care for one of the following factors: income (10%), hours worked (11%), or loan repayment (4%). For students whose debt was $50,000 or greater, the loan repayment option became much more important than for students with lesser debt. In all, a total of 45% (n = 313) of the students indicated either they were planning to enter primary care (n = 188) or they would change to a primary care specialty (n = 125) with appropriate adjustments in income, hours worked, or loan repayment. Significant changes in economic and lifestyle factors could have a direct effect on the ability to attract students to primary care. Including such changes as part of health system reform, especially within the context of a supportive medical school environment, could enable the United States to approach a goal of graduating 50% generalist physicians.

Summer Internship Program for American Indian & Native Alaska College Students

ScienceCinema

None

2017-12-09

Argonne National Laboratory's Summer Internship Program for American Indian & Native Alaska College Students. Supported by the Office of Indian Energy and Economic Development (IEED) in partnership with the Council of Energy Resource Tribes (CERT) and the U.S. Department of Energy.

Financial Audit: Guaranteed Student Loan Program's Internal Controls and Structure Need Improvement. Report to the Congress.

ERIC Educational Resources Information Center

Wurtz, Donald R.; And Others

An evaluative study was done of the Department of Education's system of internal accounting controls over the Federal Family Education Loan Program, known as the guaranteed student loan program. The study evaluated internal control systems, the structure of the program with respect to the role of guaranty agencies, and the Department's ability to…

Alaska GeoFORCE, A New Geologic Adventure in Alaska

NASA Astrophysics Data System (ADS)

Wartes, D.

2011-12-01

RAHI, the Rural Alaska Honors Institute is a statewide, six-week, summer college-preparatory bridge program at the University of Alaska Fairbanks for Alaska Native and rural high school juniors and seniors. A program of rigorous academic activity combines with social, cultural, and recreational activities. Students are purposely stretched beyond their comfort levels academically and socially to prepare for the big step from home or village to a large culturally western urban campus. This summer RAHI is launching a new program, GeoFORCE Alaska. This outreach initiative is designed to increase the number and diversity of students pursuing STEM degree programs and entering the future high-tech workforce. It uses Earth science as the hook because most kids get excited about dinosaurs, volcanoes and earthquakes, but it includes physics, chemistry, math, biology and other sciences. Students will be recruited, initially from the Arctic North Slope schools, in the 8th grade to begin the annual program of approximately 8 days, the summer before their 9th grade year and then remain in the program for all four years of high school. They must maintain a B or better grade average and participate in all GeoFORCE events. The carrot on the end of the stick is an exciting field event each summer. Over the four-year period, events will include trips to Fairbanks, Arizona, Oregon and the Appalachians. All trips are focused on Earth science and include a 100+ page guidebook, with tests every night culminating with a final exam. GeoFORCE Alaska is being launched by UAF in partnership with the University of Texas at Austin, which has had tremendous success with GeoFORCE Texas. GeoFORCE Alaska will be managed by UAF's long-standing Rural Alaska Honors Insitute (RAHI) that has been successfully providing intense STEM educational opportunities for Alaskan high school students for almost 30 years. The Texas program, with adjustments for differences in culture and environment, will be

34 CFR 674.12 - Loan maximums.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Loan maximums. 674.12 Section 674.12 Education..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM General Provisions § 674.12 Loan maximums. (a) The maximum annual amount of Federal Perkins Loans and NDSLs an eligible student may borrow is— (1) $5,500 for...

The Socio-Economic Impact of Student Loan Debt on African American Graduates of the University of Phoenix Residing in Philadelphia, Pennsylvania

ERIC Educational Resources Information Center

Daniels, Terrence D.

2017-01-01

Little is known about the long-term socio-economic impact of student loan debt on African-American graduates of the University of Phoenix who reside in Philadelphia, Pennsylvania. The purpose of this case study is to examine the socio-economic impact of student loan debt on these students five years after receiving a degree from this for-profit…

Alcohol Use and American Indian/Alaska Native Student Academic Performance among Tribal Colleges

ERIC Educational Resources Information Center

Cometsevah, Cecelia L.

2013-01-01

Student academic performance, persistence, and graduation among American Indian/Alaska Native students in higher education are very low compared to other racial groups. Studies have shown that American Indian students enter higher education with a lack of academic preparedness, financial challenges, lack of social skills development, and lack of…

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2011 CFR

2011-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a Direct Loan Program....21. (4)(i) If a student is enrolled in the first year of an undergraduate program of study and has... Unsubsidized Loan until 30 days after the first day of the student's program of study unless— (A)(1) Except as...

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2013 CFR

2013-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a Direct Loan Program....21. (4)(i) If a student is enrolled in the first year of an undergraduate program of study and has... Unsubsidized Loan until 30 days after the first day of the student's program of study unless— (A)(1) Except as...

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2012 CFR

2012-07-01

... originating a loan to cover the cost of attendance in a study abroad program and has a Direct Loan Program....21. (4)(i) If a student is enrolled in the first year of an undergraduate program of study and has... Unsubsidized Loan until 30 days after the first day of the student's program of study unless— (A)(1) Except as...

Guaranteed Student Loans: Potential Default and Cost Reduction Options. Briefing Report to Congressional Requesters.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

Thirty options for reducing guaranteed student loan defaults and related federal costs are provided by the General Accounting Office (GAO). The options are presented by groups of program participants: students, schools, lenders, guaranty agencies, and the Department of Education. These options include: adopt GAO's past recommendation to increase…

Student Loan Debt: Problems & Prospects. Proceedings from a National Symposium (Washington, DC, December 10, 1997).

ERIC Educational Resources Information Center

Education Resources Inst., Boston, MA.

These proceedings include five papers presented at a symposium on issues related to the increasing amounts of student borrowing and resulting student debt. Also included is a synopsis of a roundtable discussion addressing core questions framed by the symposium, as well as several public policy options for addressing student loan debt burden. The…

Incorporating the Culture of American Indian/Alaska Native Students into the Classroom

ERIC Educational Resources Information Center

Guillory, Raphael M.; Williams, Garnet L.

2014-01-01

Focus group interviews were conducted with educators and stakeholders for American Indian/Alaska Native (AI/AN) students, including teachers, elementary and high school principals, tribal community leaders, and parents, to determine a global definition of culture and ways of infusing culture into curriculum to better educate AI/AN students. Focus…

Student Loans and Foreign Schools: Assessing Risks Could Help Education Reduce Program Vulnerability. Report to Congressional Addressees.

ERIC Educational Resources Information Center

Ashby, Cornelia M.

Recent events have increased concerns about the potential for fraud in student loan programs related to loans for U.S. residents attending foreign schools. In 2002 the Office of Special Investigations of the General Accounting Office (GAO) created a fictitious foreign school that the Department of Education subsequently certified as eligible to…

The Second Annual Report of the Student Loan Marketing Association to the Congress of the United States.

ERIC Educational Resources Information Center

Student Loan Marketing Association, Washington, DC.

The Student Loan Marketing Association ("Sallie Mae") is a government sponsored, private, for profit corporation, created in June 23, 1972, by the enactment of Section 439 of the Higher Education Act of 1965, as amended. Sallie Mae provides liquidity to commercial banks, savings and loan associations, mutual savings banks, credit unions,…

Alaskan Exemplary Program The Rural Alaska Honors Institute (RAHI) A Quarter Century of Success of Educating, Nurturing, and Retaining Alaska Native and Rural Students An International Polar Year Adventure in Barrow

NASA Astrophysics Data System (ADS)

Wartes, D.; Owens, G.

2007-12-01

RAHI, the Rural Alaska Honors Institute, began in 1983 after a series of meetings between the Alaska Federation of Natives and the University of Alaska, to discuss the retention rates of Alaska Native and rural students. RAHI is a six-week college-preparatory summer bridge program on the University of Alaska Fairbanks campus for Alaska Native and rural high school juniors and seniors. The student body is approximately 94 percent Alaska Native. RAHI students take classes that earn them seven to ten college credits, thus giving them a head start on college. Courses include: writing, study skills, desk top publishing, Alaska Native dance or swimming, and a choice of geoscience, biochemistry, math, business, rural development, or engineering. A program of rigorous academic activity combines with social, cultural, and recreational activities to make up the RAHI program of early preparation for college. Students are purposely stretched beyond their comfort levels academically and socially to prepare for the big step from home or village to a large culturally western urban campus. They are treated as honors students and are expected to meet all rigorous academic and social standards set by the program. All of this effort and activity support the principal goal of RAHI: promoting academic success for rural students in college. Over 25 years, 1,200 students have attended the program. Sixty percent of the RAHI alumni have entered four-year academic programs. Over 230 have earned a bachelors degree, twenty-nine have earned masters degrees, and seven have graduated with professional degrees (J.D., Ph.D., or M.D.), along with 110 associate degrees and certificates. In looking at the RAHI cohort, removing those students who have not been in college long enough to obtain a degree, 27.3 percent of RAHI alums have received a bachelors degree. An April 2006 report by the American Institutes for Research through the National Science Foundation found that: Rural Native students in the

Tourism in rural Alaska

Treesearch

Katrina Church-Chmielowski

2007-01-01

Tourism in rural Alaska is an education curriculum with worldwide relevance. Students have started small businesses, obtained employment in the tourism industry and gotten in touch with their people. The Developing Alaska Rural Tourism collaborative project has resulted in student scholarships, workshops on website development, marketing, small...

Repayment of Student Loans as of 2015 among 1995-96 and 2003-04 First-Time Beginning Students. First Look. NCES 2018-410

ERIC Educational Resources Information Center

Woo, Jennie H.; Bentz, Alexander H.; Lew, Stephen; Velez, Erin Dunlop; Smith, Nichole

2017-01-01

This "First Look" report presents selected findings about the repayment of federal student loans using data from the 2015 Federal Student Aid Supplements to two Beginning Postsecondary Students Longitudinal Studies (BPS) administered by the National Center for Education Statistics (NCES). The report examines two cohorts of borrowers:…

The Common Core Initiative, Education Outcomes, and American Indian/Alaska Native Students: Observations and Recommendations

ERIC Educational Resources Information Center

Nelson-Barber, Sharon; Trumbull, Elise

2015-01-01

This monograph explores the ways in which large-scale school reform efforts play out in American Indian/Alaska Native communities and schools, starting from a historical and cultural perspective, and focusing on the translation of research into concrete steps leading to American Indian/Alaska Native student academic success and personal well-being.

Financial Management: Education's Student Loan Program Controls over Lenders Need Improvement. Report to the Secretary of Education.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC.

This report presents the results of a U.S. General Accounting Office (GAO) review of lender and Department of Education controls over the accuracy of lender-submitted quarterly billings under the Federal Family Education Loan Program, also known as the guaranteed student loan program. It reports that both lenders and the Department of Education…

Summer Internship Program for American Indian and Native Alaska College Students

ScienceCinema

None

2017-12-11

Argonne National Laboratory's Summer Internship Program for American Indian & Native Alaska College Students. Supported by the Office of Indian Energy and Economic Development (IEED) in partnership with the Council of Energy Resource Tribes (CERT) and the U.S. Department of Energy.

Summer Internship Program for American Indian and Native Alaska College Students

DOE Office of Scientific and Technical Information (OSTI.GOV)

None

2010-01-01

Argonne National Laboratory's Summer Internship Program for American Indian & Native Alaska College Students. Supported by the Office of Indian Energy and Economic Development (IEED) in partnership with the Council of Energy Resource Tribes (CERT) and the U.S. Department of Energy.

The Use of Private Student Loans at High-Cost Postsecondary Education Institutions in Academic Year 1997-98.

ERIC Educational Resources Information Center

Redd, Kenneth E.

This study examined the use of private education loans at high-cost private colleges and universities. Responses were received from 100 of the 381 institutions who reported undergraduate tuition and fees, or professional school tuition and fees, of $14,000 or higher in 1996-1997. It was found that on most campuses private student loans play a…

Information Use and Attention Deferment in College Student Loan Decisions: Evidence from a Debt Letter Experiment

ERIC Educational Resources Information Center

Darolia, Rajeev; Harper, Casandra

2018-01-01

A prominent concern is that college students are harming their long-term economic prospects by making student loan decisions without full information about the implications of their choices. We designed an experiment to examine students' responses to a debt letter, an increasingly popular strategy to provide easily accessible information about…

Characteristics of Student Loan Defaulters among Different Racial and Ethnic Groups. AIR 1995 Annual Forum Paper.

ERIC Educational Resources Information Center

Volkwein, J. Fredericks; And Others

This study examined the characteristics of students who default on their student loans and compared default among Whites, Asians, African Americans, Hispanics, and Native Americans. Four logistic regression models were developed using information from the National Post-Secondary Student Aid Study which contains an array of pre-college, college,…

Still Denied: How Community Colleges Shortchange Students by Not Offering Federal Loans. Issue Brief

ERIC Educational Resources Information Center

Cochrane, Debbie; Szabo-Kubitz, Laura

2011-01-01

Each year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts all agree that, for those who need to borrow to pay for college, federal student loans are the safest and most affordable option. Unfortunately, some colleges choose not to participate in the federal…

Private Loans and Choice in Financing Higher Education.

ERIC Educational Resources Information Center

Wegmann, Catherine A.; Cunningham, Alisa F.; Merisotis, Jamie P.

Private loans also known as private-label loans or alternative loans, have long been part of the student financial aid equation, but are receiving new attention in recent years. Understanding who gets private loans and their reasons for borrowing these loans is critical for policymaking, but little research has been done. This report explores the…

Study of the Special Allowance Formula of the Guaranteed Student Loan Program. Report No. 4.

ERIC Educational Resources Information Center

National Commission on Student Financial Assistance, Washington, DC.

The special allowance component of the Guaranteed Student Loan (GSL) program was evaluated through research and hearings. Attention was directed to: the experiences of students and eligible lenders; the administrative costs of various types of eligible lenders; financial indicators that accurately reflect the costs of capital; and administrative…

Are the Poor Needy? Are the Needy Poor? The Distribution of Student Loans and Grants by Family Income Quartile in Canada

ERIC Educational Resources Information Center

Usher, Alex

2004-01-01

This study is one part of a two-part inquiry into subsidies for post-secondary education in Canada. Based on a combination of administrative and survey data, the study estimates the distribution of student loans and grants by family income quartile. The estimates suggest that roughly 40 percent of all loans and grants go to students from families…

Achievement Gap Patterns of Grade 8 American Indian and Alaska Native Students in Reading and Math. Issues & Answers. REL 2009-No. 073

ERIC Educational Resources Information Center

Nelson, Steven; Greenough, Richard; Sage, Nicole

2009-01-01

Focusing on student proficiency in reading and math from 2003-04 to 2006-07, this report compares gaps in performance on state achievement tests between grade 8 American Indian and Alaska Native students and all other grade 8 students in 26 states serving large populations of American Indian and Alaska Native students. In response to a request by…

42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Health professions student loan promissory note and disclosure requirements. 57.208 Section 57.208 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS...

College Scholarship Service Colloquium on Student Loan Counseling & Debt Management. Proceedings (Denver, Colorado, December 2-4, 1985).

ERIC Educational Resources Information Center

College Entrance Examination Board, New York, NY. Coll. Scholarship Service.

Student loan counseling and debt management are discussed in three papers, six commentaries, and a panel discussion from a College Scholarship Service colloquium. In "Fulfilling the Institution's Responsibilities to Student Borrowers," Theodore J. Marchese discusses a shift in student financial aid marked by the ascendency of loans…

77 FR 45592 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program Master...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-01

... loans for eligible students to pay the costs of a student's attendance at an eligible institution of... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins... technology. Please note that written comments received in response to this notice will be considered public...

Oversight Hearing on Student Loan Marketing Associations. Hearing before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, Ninety-Eighth Congress, First Session.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Education and Labor.

Oversight hearings on the Student Loan Marketing Association (Sallie Mae) are presented. Sallie Mae was established by the Education Amendments of 1972 to provide liquidity for Guaranteed Student Loan (GSL) lenders by purchasing GSL portfolios from lenders or making loans on GSL loans held by lenders. In 1982, Sallie Mae had total cumulative…

Staff Report on the Guaranteed Student Loan Program, Belmont Task Force Recommendations. Prepared for the Subcommittee on Postsecondary Education of the Committee on Education and Labor.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Education and Labor.

Recommendations of the Belmont Task Force concerning the problem of student loan defaults are offered to the U.S. House of Representatives. The task force concludes that the purpose of the Guaranteed Student Loan (GSL) program has changed significantly in the last decade. While originally established as a loan of convenience for middle-income…

The Hidden Costs of Direct Loans

ERIC Educational Resources Information Center

Bruns, Kevin

2007-01-01

For more than 40 years, student-loan providers have helped millions of American families achieve the kinds of dreams made possible by the best higher-education system in the world. Federal guaranteed loans, or loans made by individual lenders that are backed by the federal government, have made college more affordable by being the lowest-cost…

42 CFR 57.312 - Repayment of loans for service in a shortage area.

Code of Federal Regulations, 2010 CFR

2010-10-01

... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other...

Traditional living and cultural ways as protective factors against suicide: perceptions of Alaska Native university students

PubMed Central

DeCou, Christopher R.; Skewes, Monica C.; López, Ellen D. S.

2013-01-01

Introduction Native peoples living in Alaska have one of the highest rates of suicide in the world. This represents a significant health disparity for indigenous populations living in Alaska. This research was part of a larger study that explored qualitatively the perceptions of Alaska Native university students from rural communities regarding suicide. This analysis explored the resilience that arose from participants’ experiences of traditional ways, including subsistence activities. Previous research has indicated the importance of traditional ways in preventing suicide and strengthening communities. Method Semi-structured interviews were conducted with 25 university students who had migrated to Fairbanks, Alaska, from rural Alaskan communities. An interview protocol was developed in collaboration with cultural and community advisors. Interviews were audio-recorded and transcribed. Participants were asked specific questions concerning the strengthening of traditional practices towards the prevention of suicide. Transcripts were analysed using the techniques of grounded theory. Findings Participants identified several resilience factors against suicide, including traditional practices and subsistence activities, meaningful community involvement and an active lifestyle. Traditional practices and subsistence activities were perceived to create the context for important relationships, promote healthy living to prevent suicide, contrast with current challenges and transmit important cultural values. Participants considered the strengthening of these traditional ways as important in suicide prevention efforts. However, subsistence and traditional practices were viewed as a diminishing aspect of daily living in rural Alaska. Conclusions Many college students from rural Alaska have been affected by suicide but are strong enough to cope with such tragic events. Subsistence living and traditional practices were perceived as important social and cultural processes with

Traditional living and cultural ways as protective factors against suicide: perceptions of Alaska Native university students.

PubMed

DeCou, Christopher R; Skewes, Monica C; López, Ellen D S

2013-01-01

Native peoples living in Alaska have one of the highest rates of suicide in the world. This represents a significant health disparity for indigenous populations living in Alaska. This research was part of a larger study that explored qualitatively the perceptions of Alaska Native university students from rural communities regarding suicide. This analysis explored the resilience that arose from participants' experiences of traditional ways, including subsistence activities. Previous research has indicated the importance of traditional ways in preventing suicide and strengthening communities. Semi-structured interviews were conducted with 25 university students who had migrated to Fairbanks, Alaska, from rural Alaskan communities. An interview protocol was developed in collaboration with cultural and community advisors. Interviews were audio-recorded and transcribed. Participants were asked specific questions concerning the strengthening of traditional practices towards the prevention of suicide. Transcripts were analysed using the techniques of grounded theory. Participants identified several resilience factors against suicide, including traditional practices and subsistence activities, meaningful community involvement and an active lifestyle. Traditional practices and subsistence activities were perceived to create the context for important relationships, promote healthy living to prevent suicide, contrast with current challenges and transmit important cultural values. Participants considered the strengthening of these traditional ways as important in suicide prevention efforts. However, subsistence and traditional practices were viewed as a diminishing aspect of daily living in rural Alaska. Many college students from rural Alaska have been affected by suicide but are strong enough to cope with such tragic events. Subsistence living and traditional practices were perceived as important social and cultural processes with meaningful lifelong benefits for

Keeping Score: Direct Student Lending. An Evaluation Prepared for the Iowa College Student Aid Commission and the Iowa Student Loan Liquidity Corporation.

ERIC Educational Resources Information Center

Chance, William

This paper provides recommendations for the development, implementation, and evaluation of a demonstration program designed to assess direct lending as a replacement for the current federal student loan program. It offers a list of principles which the demonstration project should address. Recommendations include: (1) maintenance of student…

Alaska Developmental Profile, 2001-2002. Summary Report.

ERIC Educational Resources Information Center

Fenton, Ray

This document presents a profile of the development of Alaska kindergarten and first grade students in fall 2001. Alaska teachers completed reports for 13,688 kindergarten and first grade students at that time. Most were found to exhibit important behaviors associated with school successes on the Alaska Developmental Profile Recording Form.…

42 CFR 57.1512 - Length and maturity of loans.

Code of Federal Regulations, 2010 CFR

2010-10-01

... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees... shall a loan repayment period exceed the useful life of the facility to be constructed with the...

Direct Loan Training Trainee Guide.

ERIC Educational Resources Information Center

Office of Student Financial Assistance (ED), Washington, DC.

This training guide describes the provisions of the Federal Direct Student Loan Program, identifies the functions of the different partners in the program, and explains the responsibilities of participating schools. Topics covered include an overview of the participants and the program's operation; determining of eligibility and loan amount;…

Direct Loans: A Simple, Convenient, Flexible Way To Finance Your Education.

ERIC Educational Resources Information Center

Department of Education, Washington, DC. Student Financial Assistance.

This pamphlet provides basic facts about the U.S. Department of Education's Direct Loan Program for students. These loans include Federal Direct Stafford/Ford Loans, Federal Direct Unsubsidized Stafford/Ford Loans, Direct PLUS Loans, and Direct Consolidation Loans. The pamphlet's sections are: (1) "The Direct Loan Program: What Is It?";…

Conceptualizing American Indian/Alaska Native College Student's Classroom Experiences: Negotiating Cultural Identity between Faculty and Students

ERIC Educational Resources Information Center

Burk, Nanci M.

2007-01-01

The U.S. dominant culture's values and ways of knowing depicted in college curriculum assume that American Indian/Alaska Native college students will assimilate to dominant cultural beliefs and values in order to acquire a degree in higher education. Representative of this hegemonic pedagogical paradigm is the prescribed basic communication course…

Student Loan Debt in Kentucky: An Analysis of Debt Levels and Their Relationship to Earnings for Baccalaureate Degree Holders of Public Universities, 2010-2013

ERIC Educational Resources Information Center

Kentucky Council on Postsecondary Education, 2015

2015-01-01

Student loans can be a good investment in an individual's future, providing financial access to higher education and improved chances of economic success after college. However, avoiding undue financial obligations and maximizing the return on investment require careful planning and prudent borrowing. Estimating whether the student loan debt…

Federal Student Loans: Oversight of Defaulted Loan Rehabilitation Needs Strengthening. Testimony before the Subcommittee on Higher Education and Workforce Training, Committee on Education and the Workforce, House of Representatives. GAO-14-426T

ERIC Educational Resources Information Center

Emrey-Arras, Melissa

2014-01-01

As of September 2013 about $94 billion--over 11 percent of federal student loan volume in repayment--was in default. Loan rehabilitation allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Department of Education (Education) contracts with collection agencies to assist…

Alaska Students' Pathways from High School to Postsecondary Education and Employment. REL 2016-114

ERIC Educational Resources Information Center

Hanson, Havala; Pierson, Ashley

2016-01-01

Approximately 10,000 students leave Alaska high schools each year, with or without a diploma. In pursuit of their career and life goals, they chart courses across college enrollment, employment, and other opportunities. Until recently, policymakers and educators had little information about the pathways students took into their early careers. To…

Lowering Student Loan Default Rates: What One Consortium of Historically Black Institutions Did to Succeed. Education Sector Reports

ERIC Educational Resources Information Center

Dillon, Erin; Smiles, Robin V.

2010-01-01

Colleges across the nation are struggling to confront a growing problem in higher education: student debt. As more students borrow more money than ever before, and recent graduates enter the worst job market in a generation, students are increasingly unable to pay back their loans. This report discusses the growing problem of students defaulting…

Alaska High School Students Integrate Forest Ecology, Glacial Landscape Dynamics, and Human Maritime History in a Field Mapping Course at Cape Decision Lighthouse, Kuiu Island, Southeast Alaska

NASA Astrophysics Data System (ADS)

Connor, C. L.; Carstensen, R.; Domke, L.; Donohoe, S.; Clark, A.; Cordero, D.; Otsea, C.; Hakala, M.; Parks, R.; Lanwermeyer, S.; Discover Design Research (Ddr)

2010-12-01

Alaskan 10th and 11th graders earned college credit at Cape Decision Lighthouse as part of a 12-day, summer field research experience. Students and faculty flew to the southern tip of Kuiu Island located 388 km south of Juneau. Kuiu is the largest uninhabited island in southeastern Alaska. This field-based, introduction-to-research course was designed to engage students in the sciences and give them skills in technology, engineering, and mathematics. Two faculty, a forest naturalist and a geologist, introduced the students to the use of hand held GPS receivers, GIS map making, field note-taking and documentary photography, increment borer use, and soil studies techniques. Daily surveys across the region, provided onsite opportunities for the faculty to introduce the high schoolers to the many dimensions of forest ecology and plant succession. Students collected tree cores using increment borers to determine “release dates” providing clues to past wind disturbance. They discovered the influence of landscape change on the forest by digging soil pits and through guided interpretation of bedrock outcrops. The students learned about glacially influenced hydrology in forested wetlands during peat bog hikes. They developed an eye for geomorphic features along coastal traverses, which helped them to understand the influences of uplift through faulting and isostatic rebound in this tectonically active and once glaciated area. They surveyed forest patches to distinguish between regions of declining yellow-cedar from wind-disturbed spruce forests. The students encountered large volumes of primarily plastic marine debris, now stratified by density and wave energy, throughout the southern Kuiu intertidal zone. They traced pre-European Alaska Native subsistence use of the area, 19th and 20th century Alaska Territorial Maritime history, and learned about the 21st century radio tracking of over 10,000 commercial vessels by the Marine Exchange of Alaska from its many stations

Student Loan Reform, Interest Subsidies and Costly Technicalities: Lessons from the UK Experience

ERIC Educational Resources Information Center

Johnston, Alison; Barr, Nicholas

2013-01-01

In this paper, we consider lessons for other countries about the design of student loans with income-contingent repayments (i.e. repayments calculated as "x" per cent of each borrower's subsequent income). Using a dataset of 20,000 simulated lifetime graduate earnings paths, we estimate the cost and distributional effects of reforms in…

Decreasing Your Student Loan Cohort Default Rate: Leading a College-Wide Change Initiative at Mohave Community College

ERIC Educational Resources Information Center

Charles, Kayla D.; Sheaff, Shannon; Woods, Jann; Downey, Lisa

2016-01-01

Burgeoning student debt and the ability of programs to adequately prepare students for jobs that will allow them to repay that debt comprise a topic of great interest in the current higher education policy environment. A key accountability measure used by the Department of Education for more than two decades has been the student loan cohort…

77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-17

... cohorts. Chart 1--Summary of the Proposed Regulations Issue and key features Benefits Cost/transfers... focus on issues related to streamlining institutional reporting requirements and proposed regulations... committee (the ``Loans Committee'') would address Federal student loan issues. The regulations considered by...

Student Loans: Oversight of Servicemembers Interest Rate Cap Could Be Strengthened

DTIC Science & Technology

2016-11-01

especially for certain third-party service providers who may lend money for or service private student loans. NCUA noted that it does not currently...calling (202) 512-6000, toll free (866) 801-7077, or TDD (202) 512-2537. Orders may be paid for using American Express, Discover Card, MasterCard, Visa...check, or money order. Call for additional information. Connect with GAO on Facebook, Flickr, Twitter, and YouTube. Subscribe to our RSS Feeds or

78 FR 73383 - Defining Larger Participants of the Student Loan Servicing Market

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-06

...The Bureau of Consumer Financial Protection (Bureau or CFPB) amends the regulation defining larger participants of certain consumer financial product and service markets by adding a new section to define larger participants of a market for student loan servicing. The Bureau is issuing the final rule pursuant to its authority, under the Dodd- Frank Wall Street Reform and Consumer Protection Act, to supervise certain nonbank covered persons for compliance with Federal consumer financial law and for other purposes. The Bureau has the authority to supervise nonbank covered persons of all sizes in the residential mortgage, private education lending, and payday lending markets. In addition, the Bureau has the authority to supervise nonbank ``larger participant[s]'' of markets for other consumer financial products or services, as the Bureau defines by rule. Rules defining larger participants of a market for consumer reporting and larger participants of a market for consumer debt collection were published in the Federal Register on July 20, 2012 (Consumer Reporting Rule) and October 31, 2012 (Consumer Debt Collection Rule). This final rule identifies a market for student loan servicing and defines ``larger participants'' of this market that are subject to the Bureau's supervisory authority.

Loans for Adult Learners: A Postsecondary Education Perspective.

ERIC Educational Resources Information Center

Arbeiter, Solomon

1979-01-01

Policy modifications by postsecondary, business, and banking institutions are suggested to make small loans readily available to adult learners for higher education. The author focuses on middle-income adult students with an interest in career mobility in examining existing student loan programs, deferred tuition plans, and adult repayment rates.…

Student Loans: Federal Web-Based Tool on Private Loans Would Pose Implementation Challenges and May Be Unnecessary. Report to Congressional Committees. GAO-10-990

ERIC Educational Resources Information Center

Scott, George A.

2010-01-01

In this report, the author and his colleagues respond to a mandate in the Higher Education Opportunity Act requiring GAO (Government Accountability Office) to study the feasibility of developing a national clearinghouse of federal and private student loans on the Department of Education's (Education) Web site. They addressed the following…

34 CFR 682.508 - Assignment of a loan.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Assignment of a loan. 682.508 Section 682.508 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs...

Federal Student Loan Programs: Opportunities Exist to Improve Audit Requirements and Oversight Procedures. Report to Congressional Committees. GAO-10-668

ERIC Educational Resources Information Center

Daly, Kay L.

2010-01-01

The Higher Education Opportunity Act of 2008, Pub. L. No. 110-315, mandated GAO (Government Accountability Office) to study the financial and compliance audits and reviews required or conducted for the Federal Family Education Loan (FFEL) program and the Federal Direct Student Loan (DL) program. The Department of Education's (Education) Office of…

Issues in the Education of American Indian and Alaska Native Students with Disabilities. ERIC Digest.

ERIC Educational Resources Information Center

Faircloth, Susan; Tippeconnic, John W., III

Over 10 percent of American Indian and Alaska Native (AI/AN) students in public schools and more than 18 percent of AI/AN students in Bureau of Indian Affairs and tribal schools are eligible for or placed in special education programs. This digest addresses four selected issues in the education of AI/AN students with disabilities. First, the 1997…

Forging a new legacy of trust in research with Alaska Native college students using CBPR.

PubMed

Lopez, Ellen D S; Sharma, Dinghy Kristine B; Mekiana, Deborah; Ctibor, Alaina

2012-01-01

Disparities in the rates of matriculation and graduation are of concern to Alaska Native (AN) students and the universities committed to their academic success. Efforts to reduce attrition require a keen understanding of the factors that impact quality of life (QOL) at college. Yet, a long-standing legacy of mistrust towards research poses challenges to conducting inquiry among AN students. We introduced a partnership between the University of Alaska Fairbank's Rural Student Services (RSS) and the Center for Alaska Native Health Research (CANHR) within which we conducted the "What makes life good?" study aimed towards developing a QOL measure for AN students. Equally important was building a legacy of research trust among AN partners. We describe Phase I of a 2-phase study that employed a sequential mixed methods approach. Discussed are facilitators, challenges and lessons learned while striving to adhere to the principles of community-based participatory research (CBPR). Phase I included formative focus groups and QOL measurement development. The research involved the interplay among activities that were co-developed with the goal of enhancing trust and research capacity. Emphasis was placed on ensuring that data collection and analyses were student driven. All partners resided at the same university. However, trust and collaboration could not be assumed. Working within a collaborative framework, our partnership achieved the aim of developing a culturally informed QOL measure, while also creating an empowering experience for all partners who became co-investigators in a process that might normally be regarded with mistrust.

Forging a new legacy of trust in research with Alaska Native college students using CBPR

PubMed Central

Lopez, Ellen D.S.; Sharma, Dinghy Kristine B.; Mekiana, Deborah; Ctibor, Alaina

2012-01-01

Objectives Disparities in the rates of matriculation and graduation are of concern to Alaska Native (AN) students and the universities committed to their academic success. Efforts to reduce attrition require a keen understanding of the factors that impact quality of life (QOL) at college. Yet, a long-standing legacy of mistrust towards research poses challenges to conducting inquiry among AN students. We introduced a partnership between the University of Alaska Fairbank's Rural Student Services (RSS) and the Center for Alaska Native Health Research (CANHR) within which we conducted the “What makes life good?” study aimed towards developing a QOL measure for AN students. Equally important was building a legacy of research trust among AN partners. Study design We describe Phase I of a 2-phase study that employed a sequential mixed methods approach. Discussed are facilitators, challenges and lessons learned while striving to adhere to the principles of community-based participatory research (CBPR). Methods Phase I included formative focus groups and QOL measurement development. The research involved the interplay among activities that were co-developed with the goal of enhancing trust and research capacity. Emphasis was placed on ensuring that data collection and analyses were student driven. Conclusions All partners resided at the same university. However, trust and collaboration could not be assumed. Working within a collaborative framework, our partnership achieved the aim of developing a culturally informed QOL measure, while also creating an empowering experience for all partners who became co-investigators in a process that might normally be regarded with mistrust. PMID:23019564

Does PLUS Push? A Multilevel Analysis of the Relationship between PLUS Loans and Persistence for Low-Income Students

ERIC Educational Resources Information Center

McClure, Tracae M.

2017-01-01

Given the growth of the PLUS loan program and its increasing importance in facilitating college access for many students, makes it critical to better understand the relationship between this form of federal financial aid and student outcomes. Using data from the National Postsecondary Student Aid Study (NPSAS: 12), conducted by the U.S. Department…

78 FR 28953 - William D. Ford Federal Direct Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-16

... students since July 1, 2011. Second, the law placed a limit on Direct Subsidized Loan eligibility for new... students to complete their academic programs in a timely manner. Timely completion of programs will allow... student loan debt. This interim final rule implements the required statutory changes. Summary of the Major...

42 CFR 57.312 - Repayment of loans for service in a shortage area.

Code of Federal Regulations, 2013 CFR

2013-10-01

... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... the Secretary determines were necessary) of attending a school of nursing; and (3) Enters into an...

42 CFR 57.312 - Repayment of loans for service in a shortage area.

Code of Federal Regulations, 2014 CFR

2014-10-01

... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... the Secretary determines were necessary) of attending a school of nursing; and (3) Enters into an...

42 CFR 57.312 - Repayment of loans for service in a shortage area.

Code of Federal Regulations, 2012 CFR

2012-10-01

... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... the Secretary determines were necessary) of attending a school of nursing; and (3) Enters into an...

42 CFR 57.312 - Repayment of loans for service in a shortage area.

Code of Federal Regulations, 2011 CFR

2011-10-01

... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... the Secretary determines were necessary) of attending a school of nursing; and (3) Enters into an...

Financial Problems in the Stafford Student Loan Program. Testimony before the Committee on Banking, Housing and Urban Affairs, United States Senate.

ERIC Educational Resources Information Center

Frazier, Franklin

This statement of the Director of Education and Employment Issues of the General Accounting Office's Human Resources Division discusses how the Stafford Student Loan program works, the growth in loans guaranteed and defaulted, and the concerns surrounding the financial problems being experienced by the Higher Education Assistance Foundation…

The Dropout/Graduation Crisis among American Indian and Alaska Native Students: Failure to Respond Places the Future of Native Peoples at Risk

ERIC Educational Resources Information Center

Faircloth, Susan C.; Tippeconnic, John W., III

2010-01-01

This paper examines the graduation/dropout crisis among American Indian and Alaska Native students using data from the National Center for Education Statistics. Data from 2005 is drawn from the seven states with the highest percentage of American Indian and Alaska Native students as well as five states in the Pacific and Northwestern regions of…

Student Loan Defaults. Department of Education Limitations in Sanctioning Problem Schools. Report to the Ranking Minority Member, Subcommittee on Human Resources and Intergovernmental Relations, Committee on Government Reform and Oversight, House of Representatives.

ERIC Educational Resources Information Center

Blanchette, Cornelia M.

This report examines the effectiveness of recent federal government efforts through amendments to the Higher Education Act (1993) to reduce student loan defaults. Key measures to curb defaults had been to make schools with high student loan default rates ineligible for federal student loan programs. However, many institutions have challenged…

Understanding Loan Aversion in Education: Evidence from High School Seniors, Community College Students, and Adults. CEPA Working Paper No. 16-15

ERIC Educational Resources Information Center

Boatman, Angela; Evans, Brent; Soliz, Adela

2016-01-01

Student loans are a crucial aspect of financing a college education for millions of Americans, yet we have surprisingly little empirical evidence concerning individuals' unwillingness to borrow money for educational purposes. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using…

12 CFR Appendix A to Part 203 - Form and Instructions for Completion of HMDA Loan/Application Register

Code of Federal Regulations, 2014 CFR

2014-01-01

...—American Indian or Alaska Native Code 2—Asian Code 3—Black or African American Code 4—Native Hawaiian or... secondary market entity within the same calendar year: Code 0—Loan was not originated or was not sold in...

12 CFR Appendix A to Part 203 - Form and Instructions for Completion of HMDA Loan/Application Register

Code of Federal Regulations, 2013 CFR

2013-01-01

...—American Indian or Alaska Native Code 2—Asian Code 3—Black or African American Code 4—Native Hawaiian or... secondary market entity within the same calendar year: Code 0—Loan was not originated or was not sold in...

12 CFR Appendix A to Part 1003 - Form and Instructions for Completion of HMDA Loan/Application Register

Code of Federal Regulations, 2012 CFR

2012-01-01

...—American Indian or Alaska Native Code 2—Asian Code 3—Black or African American Code 4—Native Hawaiian or... secondary market entity within the same calendar year: Code 0—Loan was not originated or was not sold in...

12 CFR Appendix A to Part 203 - Form and Instructions for Completion of HMDA Loan/Application Register

Code of Federal Regulations, 2012 CFR

2012-01-01

...—American Indian or Alaska Native Code 2—Asian Code 3—Black or African American Code 4—Native Hawaiian or... secondary market entity within the same calendar year: Code 0—Loan was not originated or was not sold in...

12 CFR Appendix A to Part 1003 - Form and Instructions for Completion of HMDA Loan/Application Register

Code of Federal Regulations, 2013 CFR

2013-01-01

...—American Indian or Alaska Native Code 2—Asian Code 3—Black or African American Code 4—Native Hawaiian or... secondary market entity within the same calendar year: Code 0—Loan was not originated or was not sold in...

12 CFR Appendix A to Part 1003 - Form and Instructions for Completion of HMDA Loan/Application Register

Code of Federal Regulations, 2014 CFR

2014-01-01

...—American Indian or Alaska Native Code 2—Asian Code 3—Black or African American Code 4—Native Hawaiian or... secondary market entity within the same calendar year: Code 0—Loan was not originated or was not sold in...

The Public Realities of Private Student Loans. Policy Matters: A Higher Education Policy Brief

ERIC Educational Resources Information Center

Harnisch, Thomas

2008-01-01

The use of private loans to finance college education has significantly increased in the last decade. Insufficient public financial aid support, a complex federal aid application process, aggressive marketing by private lenders, and an unwillingness by some parents to borrow under the federal PLUS program are leading students to take out what can…

State Disinvestment in Higher Education Has Led to an Explosion of Student-Loan Debt

ERIC Educational Resources Information Center

Baylor, Elizabeth

2014-01-01

Earning a college degree or credential can be life changing and economically sustaining. That is why it is critically important that America's system of public colleges remain affordable for all Americans. However, Center for American Progress (CAP) analysis estimates that annual student-loan borrowing increased by $17 billion in the five years…

Student Consolidation Loans: Further Analysis Could Lead to Enhanced Default Assumptions for Budgetary Cost Estimates. Report to the Chairman, Committee on the Budget, House of Representatives. GAO-04-843

ERIC Educational Resources Information Center

Ashby, Cornelia M.

2004-01-01

This study investigated: (1) differences between the Federal Family Education Loan Program (FFELP) and William D. Ford Federal Direct Loan Program (FDLP) consolidation loans and borrowers; (2) the extent to which borrowers with student loans under one program obtain consolidation loans under the other; and (3) how FFELP and FDLP borrower and loan…

Guaranteed Student Loans: Analysis of Insurance Premiums Charged by Guaranty Agencies. Briefing Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

ERIC Educational Resources Information Center

Comptroller General of the U.S., Washington, DC.

The insurance premium rates that guaranty agencies charge student borrowers under the Guaranteed Student Loan program were analyzed by the U.S. General Accounting Office. The Higher Education Amendments of 1986 established a maximum rate (3% of the principal loan amount) that all agencies could charge student borrowers. Comparisons were made of…

Can Student Loans Improve Accessibility to Higher Education and Student Performance? An Impact Study of the Case of SOFES, Mexico. World Bank Policy Research Working Paper 3425

ERIC Educational Resources Information Center

Canton, Erik; Blom, Andreas

2004-01-01

Financial aid to students in tertiary education can contribute to human capital accumulation through two channels: increased enrollment and improved student performance. We analyze the quantitative importance of both channels in the context of a student loan program "Sociedad de Fomento a la Educacion, Superior" (SOFES) implemented at…

Defaulted Student Loans. Guarantee Agencies' Collection Practices and Procedures. United States General Accounting Office Briefing Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

ERIC Educational Resources Information Center

Comptroller General of the U.S., Washington, DC.

A review was conducted of methods used by the U.S. Department of Education and by state or private nonprofit loan guarantee agencies to protect the federal government's interest when collecting defaulted student loans under the Guaranteed Student Loan Program. Questionnaires were sent to 58 guarantee agencies that administer the program to…

A Crisis in Student Loans? How Changes in the Characteristics of Borrowers and in the Institutions They Attended Contributed to Rising Loan Defaults. Brookings Papers on Economic Activity, Fall 2015

ERIC Educational Resources Information Center

Looney, Adam; Yannelis, Constantine

2015-01-01

This paper examines the rise in student loan default and delinquency. It draws on a unique set of administrative data on federal student borrowing matched to earnings records from de-identified tax records. Most of the increase in default is associated with borrowers at for-profit schools, 2-year institutions, and certain other nonselective…

42 CFR 57.1510 - Security for loans.

Code of Federal Regulations, 2010 CFR

2010-10-01

... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1510... facility and site thereof. (b) Negotiable stocks or bonds of a quality and value acceptable to the...

Exercising Their Privilege to Borrow: A Demonstrated Understanding of the Obligation of Student Loans in A Community College

ERIC Educational Resources Information Center

Meyer-Barrett, Joan M.

2017-01-01

The costs associated with attending a community college have increased over the years, not unlike most sectors within higher education (Mitchell & Leachman, 2015). As such, community college students often find borrowing student loans a necessity in order to seek the academic credential they intend (McKinney & Backscheider Burridge, 2015).…

Viewing Education Loans through a Myopic Lens. Discussion Paper 2008-05

ERIC Educational Resources Information Center

Gandhi, Sima J.

2008-01-01

Although the federal government dedicated nearly $40 billion to funding student loans in 2006, only 60 percent of potential students from low-income families attend college, compared with 90 percent from high-income families. This paper argues that enrollment rates are lower than they could be because potential students undervalue loan subsidies,…

A "CASE" Study on Developing Science Communication and Outreach Skills of University Graduate Student Researchers in Alaska

NASA Astrophysics Data System (ADS)

Tedesche, M. E.; Conner, L.

2015-12-01

Well rounded scientific researchers are not only experts in their field, but can also communicate their work to a multitude of various audiences, including the general public and undergraduate university students. Training in these areas should ideally start during graduate school, but many programs are not preparing students to effectively communicate their work. Here, we present results from the NSF-funded CASE (Changing Alaska Science Education) program, which was funded by NSF under the auspices of the GK-12 program. CASE placed science graduate students (fellows) in K-12 classrooms to teach alongside of K-12 teachers with the goal of enhancing communication and teaching skills among graduate students. CASE trained fellows in inquiry-based and experiential techniques and emphasized the integration of art, writing, and traditional Alaska Native knowledge in the classroom. Such techniques are especially effective in engaging students from underrepresented groups. As a result of participation, many CASE fellows have reported increased skills in communication and teaching, as well as in time management. These skills may prove directly applicable to higher education when teaching undergraduate students.

The Burden of Borrowing: A Report on the Rising Rates of Student Loan Debt. The State PIRGs' Higher Education Project.

ERIC Educational Resources Information Center

King, Tracey; Bannon, Ellynne

Data from the National Postsecondary Student Aid Study (NPSAS) (National Center for Education Statistics) show that the majority of students are turning to loans to finance college, and debt levels are escalating. Thirty-nine percent of student borrowers now graduate with unmanageable levels of debt, meaning that their monthly payments are more…

Building Alaska's Science and Engineering Pipeline: Evaluation of the Alaska Native Science & Engineering Program

ERIC Educational Resources Information Center

Bernstein, Hamutal; Martin, Carlos; Eyster, Lauren; Anderson, Theresa; Owen, Stephanie; Martin-Caughey, Amanda

2015-01-01

The Urban Institute conducted an implementation and participant-outcomes evaluation of the Alaska Native Science & Engineering Program (ANSEP). ANSEP is a multi-stage initiative designed to prepare and support Alaska Native students from middle school through graduate school to succeed in science, technology, engineering, and math (STEM)…

Federal Student Loan Programs: Are They Meeting the Needs of Students and Schools? Hearing before the Committee on Government Reform, House of Representatives, One Hundred Ninth Congress, First Session (May 26, 2005). Serial Number 109-31

ERIC Educational Resources Information Center

US House of Representatives, 2005

2005-01-01

The Committee on Government Reform, chaired by Tom Davis (R-VA) convened this oversight hearing to examine Federal Student Loan Programs, specifically the management and performance of the Federal Family Education Loan Program and the William D. Ford Federal Direct Loan Program. The Committee focused on the Department of Education initiatives to…

Equity and Access to University Education through Higher Loans in Bungoma District Kenya

ERIC Educational Resources Information Center

Wachiye, Herman J.; Nasongo, Joseph W.

2009-01-01

University student loans were introduced in Kenya with the aim of easing the burden of public expenditure in higher education. In the initial years the loans were to benefit all students enrolled at University irrespective of their socio-economic backgrounds. The beneficiaries were expected to repay the loan later upon getting into employment.…

78 FR 5431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-25

... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the... amended, the Chief Operating Officer for Federal Student Aid announces the interest rates for the period... interest rates to the public. FOR FURTHER INFORMATION CONTACT: Ian Foss, U.S. Department of Education, 830...

34 CFR 682.204 - Maximum loan amounts.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Maximum loan amounts. 682.204 Section 682.204 Education..., DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM General Provisions § 682.204 Maximum... a full academic year, the maximum annual amount that the student may receive may not exceed the...

At What Cost? How Community Colleges That Do Not Offer Federal Loans Put Students at Risk. Issue Brief

ERIC Educational Resources Information Center

Cochrane, Debbie; Szabo-Kubitz, Laura

2014-01-01

Each year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts all agree that, for those who need to borrow to pay for college, federal student loans are the safest and most affordable option. Unfortunately, some colleges choose not to participate in the federal…

Recruitment and retention of Alaska natives into nursing (RRANN).

PubMed

DeLapp, Tina; Hautman, Mary Ann; Anderson, Mary Sue

2008-07-01

In recognition of the severe underrepresentation of Alaska Natives in the Alaska RN workforce, the University of Alaska Anchorage School of Nursing implemented Project RRANN (Recruitment and Retention of Alaska Natives into Nursing) to recruit Alaska Natives into a nursing career and to facilitate their success in the nursing programs. Activities that created connections and facilitated student success were implemented. Connection-creating activities included establishing community partnerships, sponsoring a dormitory wing, hosting social and professionally related events, and offering stipends. Success facilitation activities included intensive academic advising, tutoring, and mentoring. The effectiveness of Project RRANN is evident in the 66 Alaska Native/American Indian students admitted to the clinical major since 1998, when Project RRANN was initiated; of those, 70% have completed the major and become licensed, and 23% continue to pursue program completion.

Effective Access Management of Reserve and Normal Loan Materials

ERIC Educational Resources Information Center

Leung, Yau-Ching

2010-01-01

Books are traditionally set aside at the request of teachers from the main, normal loan collection to be put on reserve temporarily for checking out for a much shorter loan period to ensure that, at the expense of convenient, long-term loans for other users, all the students enrolled in a course have an opportunity to use them. Many studies have…

Alaska Native Land Claims. [Textbook].

ERIC Educational Resources Information Center

Arnold, Robert D.; And Others

Written for students at the secondary level, this textbook on Alaska Native land claims includes nine chapters, eight appendices, photographs, maps, graphs, bibliography, and an index. Chapters are titled as follows: (1) Earliest Times (Alaska's first settlers, eighteenth century territories, and other claimants); (2) American Indians and Their…

76 FR 31312 - Federal Family Education Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-31

... DEPARTMENT OF EDUCATION Federal Family Education Loan Program AGENCY: Federal Student Aid, Department of Education. ACTION: Notice inviting guaranty agencies to submit proposals to participate in a... participate in the Federal Family Education Loan (FFEL) Program to submit proposals to enter into a Voluntary...

Persistence Rates in Texas Colleges: Comparing College Access and Texas B-on-Time Loans

ERIC Educational Resources Information Center

Walker, Kimberly DeVette

2012-01-01

Student persistence in college education is a concern of policy makers and higher education administrators (College Board, 2010). Funding such as private student loans can contribute to financing a student's college degree. Many students are unable to attend college without borrowing private student loans. The purpose of this quantitative ex post…

Measuring Aversion to Debt: An Experiment among Student Loan Candidates. Policy Research Working Paper 5737

ERIC Educational Resources Information Center

Caetano, Gregorio; Patrinos, Harry A.; Palacios, Miguel

2011-01-01

This paper reports the results of an experiment designed to test for the presence of debt aversion. The population who participated in the experiment were recent financial aid candidates and the experiment focused on student loans. The goal is to shed new light on different aspects of the perceptions with respect to debt. These perceptions can…

Education Loans and Financing Higher Education in India: Addressing Equity

ERIC Educational Resources Information Center

Rani, P. Geetha

2014-01-01

The education loan programme since its inception has been rapidly growing both in terms of number of students who have taken education loans for pursuing higher education and the amount of education loans released. Nevertheless, these financing mechanisms of higher education do not appear to improve access and equity in the higher education system…

Culturally Based Math Education as a Way to Improve Alaska Native Students' Math Performance.

ERIC Educational Resources Information Center

Lipka, Jerry; Adams, Barbara

2004-01-01

Culturally based instruction has long been touted as a preferred approach to improving the performance of American Indian and Alaska Native (AI/AN) students? academic performance. However, there has been scant research to support this conjecture, particularly when quantitative data and quasi-experimental designs are included. The results of this…

Seismology Outreach in Alaska

NASA Astrophysics Data System (ADS)

Gardine, L.; Tape, C.; West, M. E.

2014-12-01

Despite residing in a state with 75% of North American earthquakes and three of the top 15 ever recorded, most Alaskans have limited knowledge about the science of earthquakes. To many, earthquakes are just part of everyday life, and to others, they are barely noticed until a large event happens, and often ignored even then. Alaskans are rugged, resilient people with both strong independence and tight community bonds. Rural villages in Alaska, most of which are inaccessible by road, are underrepresented in outreach efforts. Their remote locations and difficulty of access make outreach fiscally challenging. Teacher retention and small student bodies limit exposure to science and hinder student success in college. The arrival of EarthScope's Transportable Array, the 50th anniversary of the Great Alaska Earthquake, targeted projects with large outreach components, and increased community interest in earthquake knowledge have provided opportunities to spread information across Alaska. We have found that performing hands-on demonstrations, identifying seismological relevance toward career opportunities in Alaska (such as natural resource exploration), and engaging residents through place-based experience have increased the public's interest and awareness of our active home.

MAPTEACH | Alaska Division of Geological & Geophysical Surveys

Science.gov Websites

Alaska's Cultural Heritage) is a hands-on education program for middle and high school students in Alaska computer-based maps of scientific, cultural and personal significance. The project emphasizes the

Good Morning from Barrow, Alaska! Helping K-12 students understand the importance of research

NASA Astrophysics Data System (ADS)

Shelton, M.

2010-12-01

This presentation focuses on how an educator experiences scientific research and how those experiences can help foster K-12 students’ understanding of research being conducted in Barrow, Alaska. According to Zhang and Fulford (1994), real-time electronic field trips help to provide a sense of closeness and relevance. In combination with experts in the field, the electronic experience can help students to better understand the phenomenon being studied, thus strengthening the student’s conceptual knowledge (Zhang & Fulford, 1994). During a seven day research trip to study the arctic sea ice, five rural Virginia teachers and their students participated in Skype sessions with the participating educator and other members of the Radford University research team. The students were able to view the current conditions in Barrow, listen to members of the research team describe what their contributions were to the research, and ask questions about the research and Alaska in general. Collaborations between students and scientist can have long lasting benefits for both educators and students in promoting an understanding of the research process and understanding why our world is changing. By using multimedia venues such as Skype students are able to interact with researchers both visually and verbally, forming the basis for students’ interest in science. A learner’s level of engagement is affected by the use of multimedia, especially the level of cognitive processing. Visual images alone do no promote the development of good problem solving skills. However, the students are able to develop better problem solving skills when both visual images and verbal interactions are used together. As students form higher confidence levels by improving their ability to problem solve, their interest in science also increases. It is possible that this interest could turn into a passion for science, which could result in more students wanting to become scientists or science teachers.

Alaska's Secondary Science Teachers and Students Receive Earth Systems Science Knowledge, GIS Know How and University Technical Support for Pre- College Research Experiences: The EDGE Project

NASA Astrophysics Data System (ADS)

Connor, C. L.; Prakash, A.

2007-12-01

Alaska's secondary school teachers are increasingly required to provide Earth systems science (ESS) education that integrates student observations of local natural processes related to rapid climate change with geospatial datasets and satellite imagery using Geographic Information Systems (GIS) technology. Such skills are also valued in various employment sectors of the state where job opportunities requiring Earth science and GIS training are increasing. University of Alaska's EDGE (Experiential Discoveries in Geoscience Education) program has provided training and classroom resources for 3 cohorts of inservice Alaska science and math teachers in GIS and Earth Systems Science (2005-2007). Summer workshops include geologic field experiences, GIS instruction, computer equipment and technical support for groups of Alaska high school (HS) and middle school (MS) science teachers each June and their students in August. Since 2005, EDGE has increased Alaska science and math teachers' Earth science content knowledge and developed their GIS and computer skills. In addition, EDGE has guided teachers using a follow-up, fall online course that provided more extensive ESS knowledge linked with classroom standards and provided course content that was directly transferable into their MS and HS science classrooms. EDGE teachers were mentored by University faculty and technical staff as they guided their own students through semester-scale, science fair style projects using geospatial data that was student- collected. EDGE program assessment indicates that all teachers have improved their ESS knowledge, GIS knowledge, and the use of technology in their classrooms. More than 230 middle school students have learned GIS, from EDGE teachers and 50 EDGE secondary students have conducted original research related to landscape change and its impacts on their own communities. Longer-term EDGE goals include improving student performance on the newly implemented (spring 2008) 10th grade

42 CFR 60.33 - Making a HEAL loan.

Code of Federal Regulations, 2010 CFR

2010-10-01

... the applicant is a student, the lender must notify the applicant and the applicant's school named on... creditworthiness, the determination of the loan amount (not to exceed the amount approved by the school), the... applicant and the HEAL school contained in the loan application papers, except where those statements are in...

Alaska volcanoes guidebook for teachers

USGS Publications Warehouse

Adleman, Jennifer N.

2011-01-01

Alaska’s volcanoes, like its abundant glaciers, charismatic wildlife, and wild expanses inspire and ignite scientific curiosity and generate an ever-growing source of questions for students in Alaska and throughout the world. Alaska is home to more than 140 volcanoes, which have been active over the last 2 million years. About 90 of these volcanoes have been active within the last 10,000 years and more than 50 of these have been active since about 1700. The volcanoes in Alaska make up well over three-quarters of volcanoes in the United States that have erupted in the last 200 years. In fact, Alaska’s volcanoes erupt so frequently that it is almost guaranteed that an Alaskan will experience a volcanic eruption in his or her lifetime, and it is likely they will experience more than one. It is hard to imagine a better place for students to explore active volcanism and to understand volcanic hazards, phenomena, and global impacts. Previously developed teachers’ guidebooks with an emphasis on the volcanoes in Hawaii Volcanoes National Park (Mattox, 1994) and Mount Rainier National Park in the Cascade Range (Driedger and others, 2005) provide place-based resources and activities for use in other volcanic regions in the United States. Along the lines of this tradition, this guidebook serves to provide locally relevant and useful resources and activities for the exploration of numerous and truly unique volcanic landscapes in Alaska. This guidebook provides supplemental teaching materials to be used by Alaskan students who will be inspired to become educated and prepared for inevitable future volcanic activity in Alaska. The lessons and activities in this guidebook are meant to supplement and enhance existing science content already being taught in grade levels 6–12. Correlations with Alaska State Science Standards and Grade Level Expectations adopted by the Alaska State Department of Education and Early Development (2006) for grades six through eleven are listed at

Gummi-Bears On Fire! Bringing Students and Scientists Together at the Alaska Summer Research Academy (ASRA)

NASA Astrophysics Data System (ADS)

Drake, J.; Schamel, D.; Fisher, P.; Terschak, J. A.; Stelling, P.; Almberg, L.; Phillips, E.; Forner, M.; Gregory, D.

2002-12-01

When a gummi-bear is introduced into hot potassium chlorate there is a powerful reaction. This is analogous to the response we have seen to the Alaska Summer Research Academy (ASRA). ASRA is a residential science research camp supported by the College of Science, Engineering and Mathematics at the University of Alaska Fairbanks. The hallmark of ASRA is the opportunity for small groups of 4 or fewer students, ages 10-17, to conduct scientific research and participate in engineering design projects with university faculty and researchers as mentors. Participating scientists, engineers, faculty, graduate students, and K-12 teachers from a variety of disciplines design individual research units and guide the students through designing and constructing a project, collecting data, and synthesizing results. The week-long camp culminates with the students from each project making a formal presentation to the camp and public. In its second year ASRA is already a huge success, quadrupling in size from 21 students in 2001 to 89 students in 2002. Due to a high percentage of returning students, we anticipate there will be a waiting list next year. This presentation contains perspectives from administrators, instructors, staff, and students. Based on our experience we feel there is a large potential demand for education and public outreach (EPO) in university settings. We believe the quality and depth of the ASRA experience directly contributes to the success of a worthwhile EPO program. ASRA will be portrayed as a useful model for EPO at other institutions.

Alaska Natives In Higher Education.

ERIC Educational Resources Information Center

Kohout, Karen; Kleinfeld, Judith

This study examines changes in the entrance and success rates of Native students in Alaska colleges from 1963 to 1972, a time when special college recruitment and assistance programs were being developed. Information is based on the college records of those Natives who entered college for the first time at the University of Alaska at Fairbanks…

42 CFR 417.937 - Loan and loan guarantee provisions.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 42 Public Health 3 2010-10-01 2010-10-01 false Loan and loan guarantee provisions. 417.937 Section... HEALTH CARE PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.937 Loan and loan guarantee provisions. (a) Disbursement of loan proceeds. The principal amount of any loan made or...

Public Service Loan Forgiveness. NASFAA Task Force Report

ERIC Educational Resources Information Center

National Association of Student Financial Aid Administrators, 2014

2014-01-01

The Public Service Loan Forgiveness (PSLF) program was established in 2007 to encourage student borrowers to work in the public sector. Qualifying borrowers may have their Direct Loans forgiven after 10 years of full-time service in an eligible job. Currently, qualifying employers include federal, state, or local government agencies and tax-exempt…

7 CFR 1751.103 - Loan and loan advance requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan and loan advance requirements. 1751.103 Section... Telecommunications Modernization Plan § 1751.103 Loan and loan advance requirements. (a) For information about loan... February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for facilities...

Student Financial Aid. Schools' Experiences Using the National Student Loan Data System. Report to the Chairman, Subcommittee on Oversight and Investigations, Committee on Education and the Workforce, House of Representatives.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Health, Education, and Human Services Div.

This report presents results of a survey of 600 postsecondary schools concerning their use of the National Student Loan Data System (NSLDS). NSLDS was developed to improve the quality and accessibility of student financial aid data, to reduce the burden on schools of administering the Department of Education's student financial aid programs, and…

Denali Geographic 2012 : A University led scientific field experience for High School students at the Alaska Summer Research Academy

NASA Astrophysics Data System (ADS)

Shipman, J. S.; Webley, P. W.; Burke, S.; Chebul, E.; Dempsey, A.; Hastings, H.; Terry, R.; Drake, J.

2012-12-01

The Alaska Summer Research Academy (ASRA) annually provides the opportunity for ~150 exceptional high school students to engage in scientific exploration at the university level. In July 2012, University of Alaska Fairbanks instructors led a two-week long ASRA module, called 'Denali Geographic', where eight student participants from across the USA and Canada learned how to observe changes in the natural world and design their own experiments for a field expedition to Denali National Park and Preserve, with assistance from the National Park Service. Each student designed an experiment/observational project prior to the expedition to investigate changes across the expanse of the park. Projects included wildlife documentation; scat and track observations; soil ph and moisture with elevation and vegetation changes; wildflowers species distribution; waterborne insect populations; atmospheric pressure and temperature variations; construction of sustainable buildings to minimize human impact on the park; and park geology comparisons between outcrop and distal stream deposits. The students learned how to design experiments, purchase supplies needed to conduct the work, and select good locations in which to sample in the park. Students used equipment such as GPS to mark field locations; a range finder to determine distance from wildlife; a hygrometer for temperature and pressure; nets and sorting equipments to analyze insects; and the preparation of Plaster of Paris for creating casts of animal tracks. All observations were documented in their field notebooks and blog entries made to share their experiences. Day excursions as part of the module included Poker Flats Research Range, where students learned about the use of unmanned aerial vehicles in scientific exploration; Alaska Volcano Observatory, where students learned about volcanic hazards in Alaska and the North Pacific; Chena Hot Springs and the Ice Museum, where students learned about thermal imaging using a Forward

Colleges with High Default Rates on Guaranteed Loans Given 3 Years to Cut Them or Risk Losing Student Aid.

ERIC Educational Resources Information Center

Palmer, Stacy E.; Wilson, Robin

1987-01-01

Colleges and universities will be held directly responsible for loan repayments by their former students. Most postsecondary institutions with default rates of more than 20% are for-profit trade schools, community colleges, or historically Black colleges. (MLW)

Unbearable Burden? Living and Paying Student Loans as a First-Year Teacher. Policy Analysis. No. 629

ERIC Educational Resources Information Center

McCluskey, Neal

2008-01-01

It is widely believed that starting public school teacher salaries are too low, and student loan burdens are too high. If true, everyone could be facing a situation in which recent college graduates cannot afford to go into teaching because they will be unable to repay their college debts. Public policies are already being formulated on the basis…

What Are the Consequences of the Newly Implemented 24+Advanced Learning Loans on Retention of Adult Access to Higher Education Students?

ERIC Educational Resources Information Center

Burns, Jane Marie; Slack, Kim

2015-01-01

This article discusses the previous literature on student retention in the post-compulsory education sector and the "24+Advanced Learning Loan". Adult students participating in an Access to Higher Education course are at particularly high risk of non-completion. Literature indicates that whilst stakeholders may require factual statistics…

Federal-Loan Changes May Curb Graduate Study

ERIC Educational Resources Information Center

Patton, Stacey

2012-01-01

As the nation's student-loan debt surpasses the $1-trillion mark, alarming students, parents, and politicians, few are thinking about the effects it is having on people like Michael J. Trivette, a 28-year-old graduate student in higher education at the University of Georgia. Two-thirds of Ph.D. and other doctoral students and nearly three-quarters…

26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue INTERNAL...) Tax Exemption Requirements for State and Local Bonds § 1.144-1 Qualified small issue bonds, qualified...

Hearing on Federal Student Loan Programs. Hearing before the Subcommittee on Oversight and Investigations of the Committee on Economic and Educational Opportunities. House of Representatives, 104th Congress, First Session.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House.

The Subcommittee met to hear testimony on the college student loan process, particularly whether, at a time of devolution of power to state and local levels, it is contradictory to continue with the relatively new Federal Direct Student Loan Program. Chairman Peter Hoekstra outlined how vital higher education has become for access to quality…

78 FR 52169 - Agency Information Collection Activities; Comment Request; Federal Direct Stafford/Ford Loan and...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-22

...; Comment Request; Federal Direct Stafford/Ford Loan and Federal Direct Subsidized/ Unsubsidized Stafford/Ford Loan Master Promissory Note AGENCY: Department of Education (ED), Federal Student Aid (FSA... Stafford/Ford Loan and Federal Direct Subsidized/Unsubsidized Stafford/Ford Loan Master Promissory Note...

Anchorage Kindergarten Profile: Implementing the Alaska Kindergarten Developmental Profile.

ERIC Educational Resources Information Center

Fenton, Ray

This paper discusses the development of the Anchorage Kindergarten Developmental Profile in the context of the Alaska Kindergarten Developmental Profile and presents some evaluation results from studies of the Anchorage measure. Alaska mandated the completion of an Alaska Developmental Profile (ADP) on each kindergarten student and each student…

The Perpetual Education Fund: Providing Higher Education Loans in the Voluntary Sector

ERIC Educational Resources Information Center

Lough, Benjamin J.

2010-01-01

Although many strategies are proposed to reduce the opportunity gap in higher education between and within countries, student loans with cost recovery measures are often preferred during times of fiscal constraint. This study briefly reviews the benefits and challenges of student loans over other forms of financial aid and presents the case for…

Student Loans in Developing Countries: An Evaluation of the Colombian Performance. Bank Staff Working Paper No. 182.

ERIC Educational Resources Information Center

Jallade, Jean-Pierre

The student loan program run by the Instituto Colombiano de Credito Educativo y Estudios Tecnicos en el Exterior (ICETEX) has three main objectives: to increase the country's supply of highly skilled manpower, to achieve more equality of educational opportunity, and to provide a meaningful source of finance for higher education. An analysis of…

Study of the Insurance Premium Charged to Borrowers under the Guaranteed Student Loan Program. Report No. 3.

ERIC Educational Resources Information Center

Touche Ross and Co., Washington, DC.

Insurance premiums being charged to borrowers under the Guaranteed Student Loan (GSL) program were studied to determine if the rate exceeded the rate necessary to protect the reserves of the insurer. Attention was directed to whether historical changes in the GSL program have affected insurance premiums. Guaranty agency's sources and uses of funds…

Student Loans. Direct Loans Could Save Billions in First 5 Years with Proper Implementation. Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

This paper responds to a congressional request for more information concerning first, the potential cost savings from direct rather than guaranteed student loans and second, the ability of the Department of Education and postsecondary institutions to effectively manage a direct lending program. The report: (1) provides a more complete analysis of…

78 FR 17647 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-22

... DEPARTMENT OF EDUCATION Annual Notice of Interest Rates of Federal Student Loans Made Under the.... Department of Education published in the Federal Register (78 FR 5433) a notice announcing the interest rates... bill rate Margin Total rate First disbursed on or after disbursed interest rate (percent) (percent...

Drop-Out Rates among American Indian and Alaska Native Students: Beyond Cultural Discontinuity. ERIC Digest.

ERIC Educational Resources Information Center

St. Germaine, Richard

American Indian and Alaska Native (AI/AN) students regularly face obstacles during the transition to high school and have the highest dropout rate of all U.S. racial and ethnic groups. Educational theorists and researchers have various explanations for this high failure rate, each with its own prescriptions. These explanations include: (1) deficit…

Substance Use and Sexual Risk Behaviors among American Indian and Alaska Native High School Students

ERIC Educational Resources Information Center

de Ravello, Lori; Everett Jones, Sherry; Tulloch, Scott; Taylor, Melanie; Doshi, Sonal

2014-01-01

Background: We describe the prevalence of behaviors that put American Indian and Alaska Native (AI/AN) high school students at risk for teen pregnancy and sexually transmitted infections (STIs) and the relationships among race/ethnicity and these behaviors. Methods: We analyzed merged 2007 and 2009 data from the national Youth Risk Behavior…

Alaska's Logging Camp School.

ERIC Educational Resources Information Center

Millward, Robert E.

1999-01-01

A visit to Ketchikan, Alaska, reveals a floating, one-teacher logging-camp school that uses multiage grouping and interdisciplinary teaching. There are 10 students. The school gym and playground, bunkhouse, fuel tanks, mess hall, and students' homes bob up and down and are often moved to other sites. (MLH)

Consolidated Student Loans. Borrowers Benefit but Costs to Them and the Government Grow. Report to Congressional Requesters.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

In response to the requirements of the Higher Education Amendments of 1986, this report addresses the impact of the two-year-old Student Loan Consolidation Program. Principle findings of the investigation concern the higher interst costs to the borrower that are brought about by longer payment plans and the fact that the government's subsidy costs…

Antidote: Civic Responsibility. Alaska Law.

ERIC Educational Resources Information Center

Phi Alpha Delta Law Fraternity International, Washington, DC.

Designed for middle school through high school students, this unit contains eight lesson plans that focus on Alaska state law. The state lessons correspond to lessons in the volume, "Antidote: Civic Responsibility. Drug Avoidance Lessons for Middle School & High School Students." Developed to be presented by educators, law student,…

Web Sites that Compare Loans Gain Users, Lose Lenders

ERIC Educational Resources Information Center

Norton, Ingrid

2008-01-01

Web sites that allow borrowers to compare student loans proliferated in the wake of last year's scandals that exposed conflicts of interest in the lending industry. Now the credit crunch is shifting demand for loan-comparison sites again, providing both new challenges and opportunities. More financial-aid officers are also pointing their students…

Paying for Default: Change over Time in the Share of Federal Financial Aid Sent to Institutions with High Student Loan Default Rates

ERIC Educational Resources Information Center

Jaquette, Ozan; Hillman, Nicholas W.

2015-01-01

Both federal spending on financial aid and student loan default rates have increased over the past decade. These trends have intensified policymakers' concerns that some postsecondary institutions-- particularly in the for-profit sector--maximize revenue derived from federal financial aid without helping students to graduate or find employment.…

Private Student Loans. Report to the Senate Committee on Banking, Housing, and Urban Affairs, the Senate Committee on Health, Education, Labor, and Pensions, the House of Representatives Committee on Financial Services, and the House of Representatives Committee on Education and the Workforce

ERIC Educational Resources Information Center

Consumer Financial Protection Bureau, 2012

2012-01-01

American consumers owe more than $150 billion in outstanding private student loan debt. While this amount is significantly less than the amount outstanding on student loans guaranteed by the federal government, the private student loan ("PSL") product is an important component of higher education finance and does not appear to be well…

Student Loan Assistance Amendments of 1982. Hearing Before the Subcommittee on Education, Arts and Humanities of the Committee on Labor and Human Resources, United States Senate. Ninety-Seventh Congress, Second Session on S. 2655.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. Senate Committee on Labor and Human Resources.

Hearings of the Committee on Education and Labor on the proposed Student Loan Assistance Amendments of 1982 are presented. The bill (S. 2655) is designed to provide increased maximum limitations for student loans under Part B of Title IV of the Higher Education Act of 1965 for certain students who lost benefits under the Social Security Act as a…

12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Residential real estate loans, small business loans, and small farm loans. 32.7 Section 32.7 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY LENDING LIMITS § 32.7 Residential real estate loans, small business loans, and small...

12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Residential real estate loans, small business loans, and small farm loans. 32.7 Section 32.7 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY LENDING LIMITS § 32.7 Residential real estate loans, small business loans, and small...

Facts About Alaska, Alaska Kids' Corner, State of Alaska

Science.gov Websites

Skip to content State of Alaska myAlaska My Government Resident Business in Alaska Visiting Alaska State Employees State of Alaska Search Home Quick Links Departments Commissioners Employee Whitepages State Government Jobs Federal Jobs Starting a Small Business Living Get a Driver License Get a Hunting

Debts and Decisions: Student Loans and Their Relationship to Graduate School and Career Choice. New Agenda Series[TM], Volume 3, Number 4.

ERIC Educational Resources Information Center

Heller, Donald E.

This report examines the relationship between the amount of loans students take out during their undergraduate years and the decisions they make regarding careers and enrollment in graduate school. It uses data from the Baccalaureate and Beyond Survey (National Center for Education Statistics) of approximately 11,000 students who completed their…

Selected Issues in the Federal Direct Loan Program. A Collection of Commissioned Papers.

ERIC Educational Resources Information Center

Office of Postsecondary Education (ED), Washington, DC.

This document presents seven papers that address several aspects of the new direct lending federal loan program established by the Student Loan Reform Act of 1993. Among the topics examined are the following: (1) the experiences with implementing new student aid programs; (2) the policy questions involved in lending in proprietary (profit-making)…

Guaranteed Student Loans: Credit Bureau Reporting Practices by Guaranty Agencies and Lenders. Briefing Report to the Chairman, Subcommittee on Education, Arts, and the Humanities, Committee on Labor and Human Resources, U.S. Senate.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC. Div. of Human Resources.

Provisions in the Higher Education Amendments of 1986 (Public Law 99-498), which require guaranty agencies and lenders to report information on Stafford student loan program borrowers to credit bureaus, are examined. The purpose of these provisions is to promote greater borrower responsibility and repayment of student loans. The report addresses…

States Create Low-Cost Loan Programs to Help Middle Class Pay for College.

ERIC Educational Resources Information Center

Blumenstyk, Goldie

1990-01-01

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…

The Financial Implications of No-Loan Policies at Private Elite Liberal Arts Colleges

ERIC Educational Resources Information Center

Braxton, Symeon O.

2017-01-01

Today 17 elite private colleges in the U.S. have offered no-loan policies, which replace student loans with grants, scholarships and/or work-study in the financial aid packages awarded to all undergraduate students eligible for financial aid. Generally, the goal of these policies is to increase the socioeconomic diversity of campuses and to reduce…

Guaranteed Student Loans. Better Criteria Needed for Financing Guarantee Agencies. United States General Accounting Office Report to the Congress.

ERIC Educational Resources Information Center

Comptroller General of the U.S., Washington, DC.

The financing of guarantee agencies under the U.S. Department of Education's Guaranteed Student Loan Program was reviewed to determine whether, in the aggregate, the agencies are accumulating, retaining, and using reserve funds in accordance with legislative requirements and federal regulations. It was found that reserves exceed the risks…

Managing the Federal Direct Student Loan Program. Hearing before the Human Resources and Intergovernmental Relations Subcommittee of the Committee on Government Operations. House of Representatives, One Hundred Third Congress, First Session (June 10, 1993).

ERIC Educational Resources Information Center

Congress of the U. S., Washington, DC. House Committee on Government Operations.

The House Subcommittee on Human Resources and Intergovernmental Relations met to hear testimony from leaders in government and higher education on managing the federal direct student loan program. Focus was on the Department of Education's plans to correct existing management problems of the Guaranteed Student Loan Program and implement the…

Radiometric age file for Alaska: A section in The United States Geological Survey in Alaska: Accomplishments during 1980

USGS Publications Warehouse

Shew, Nora B.; Wilson, Frederic H.

1982-01-01

The Alaska radiometric age file of the Branch of Alaskan Geology is a computer-based compilation of radiometric dates from the state of Alaska and the western parts of the Yukon Territory and British Columbia. More than 1800 age determinations from over 250 references have been entered in the file. References date back to 1958 and include both published and unpublished sources. The file is the outgrowth of an original radiometric age file compiled by Don Grybeck and students at the University of Alaska-Fairbanks (Turner and others, 1975).

Economic Education Experiences of Award Winning Alaska Teachers.

ERIC Educational Resources Information Center

Thomas, Monica, Ed.

Award-winning economic education projects devised by Alaska teachers included three elementary (K-6) projects and three second level (7-12) ones. Faith Greenough's students (Chinook Elementary School, Anchorage) compared Tlingit traditional and market economies in Alaska, so economics became an integrated part of elementary instruction. Marie…

Some State Loan Agencies Say They May Stay on the Sidelines This Year

ERIC Educational Resources Information Center

Kelderman, Eric

2008-01-01

Despite action by Congress and the Bush administration to shore up the student-loan industry, some state-authorized organizations say they may not return to the loan business this year, and others are cutting some of the borrower benefits and services they provide. Nine state loan agencies stopped issuing either new federally backed or new private…

Making Loans Work: How Community Colleges Support Responsible Borrowing

ERIC Educational Resources Information Center

Burdman, Pamela

2012-01-01

To ensure that students have access to the full range of financial aid they may need to succeed, colleges must be able to confidently and responsibly offer federal student loans. The Institute for College Access & Success (TICAS) and the California Community Colleges Student Financial Aid Administrators' Association (CCCSFAAA) support…

77 FR 38784 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-29

...; Federal Perkins Loan Program/NDSL Assignment Form SUMMARY: The Federal Perkins Loan Program allows for... exhausted all of its efforts in recovering an outstanding loan. The Perkins Assignment Form serves as the... to this notice will be considered public records. Title of Collection: Federal Perkins Loan Program...

In Debt and in the Dark: It's Time for Better Information on Student Loan Defaults. Charts You Can Trust

ERIC Educational Resources Information Center

Gillen, Andrew

2013-01-01

Student college loan default rates have nearly doubled in recent years. The three-year default rate exceeds 13 percent nationally. Tracking and reporting default rates is a crucial means of monitoring how well higher education dollars are spent. Yet, the way default data is gathered, measured, and reported by the federal government clouds…

76 FR 37779 - Rural Broadband Access Loans and Loan Guarantees Program

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-28

... DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Broadband Access Loans and Loan Guarantees... of $325,663,157 in loan funds for the Rural Broadband Access Loans and Loan Guarantees Program for... identifying a definite funding amount. The maximum amount of a loan under this authority will be $75 million...

A Model for Recruiting and Retaining Teachers in Alaska's Rural K-12 Schools

ERIC Educational Resources Information Center

Adams, Barbara L.; Woods, Ashley

2015-01-01

The Alaska Statewide Mentor Project (ASMP) is a joint effort of the University of Alaska and the Alaska Department of Education & Early Development to address the persistently low teacher retention rates in the state, especially in rural districts that predominantly serve Alaska Native (AN) students. Over six years, teacher retention in rural…

Natural Science of Alaska Handbook. Revised. Anchorage School District Elementary Science Program.

ERIC Educational Resources Information Center

Oliver, Valerie Smith; Sumner, Jim

This handbook is a collection of printed materials that are available to students about the geology, weather, plants, animals and people of Alaska. Topics included are: (1) "Alaska History Line"; (2) "Geography of Alaska" (including maps, rivers, and islands); (3) "Geologic Time"; (4) "Geology" (including…

A Brief Look at...the Texas B-On-Time Loan Program. Research Report

ERIC Educational Resources Information Center

Shook, Melissa

2012-01-01

The Texas B-On-Time (BOT) Loan Program is a unique state aid program intended to increase access to higher education in Texas and encourage on-time graduation. This state student loan may be completely forgiven if the otherwise eligible borrower completes his or her degree on time. The BOT Loan Program was developed in response to low on-time…

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2010 CFR

2010-07-01

... cover the cost of attendance in a study abroad program and has a Direct Loan Program cohort rate, FFEL.... (4)(i) If a student is enrolled in the first year of an undergraduate program of study and has not... until 30 days after the first day of the student's program of study unless— (A)(1) Except as provided in...

Use of Large-Scale Data Sets to Study Educational Pathways of American Indian and Alaska Native Students