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  1. Federal Student Loan Programs

    ERIC Educational Resources Information Center

    Federal Student Aid, US Department of Education, 2014

    2014-01-01

    For those needing a loan to attend college, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This brief report answers the following questions about federal aid: (1) What is a federal student loan?; (2) What is a private…

  2. Student Loan Collection Procedures.

    ERIC Educational Resources Information Center

    National Association of College and University Business Officers, Washington, DC.

    This manual on the collection of student loans is intended for the use of business officers and loan collection personnel of colleges and universities of all sizes. The introductory chapter is an overview of sound collection practices and procedures. It discusses the making of a loan, in-school servicing of the accounts, the exit interview, the…

  3. Student Loans: Risks and Realities.

    ERIC Educational Resources Information Center

    Cronin, Joseph Marr, Ed.; Simmons, Sylvia Quarles, Ed.

    Issues concerning college student loans are addressed in 10 chapters written by educators, guarantee agency administrators, and government officials. Topics include: loan repayment, the impact of loans on access, loan programs in five industrialized nations, and the Guaranteed Student Loan program and other sources of financial aid. Chapter titles…

  4. 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,…

  5. 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…

  6. Student Loan Collection Procedures. Revised Edition.

    ERIC Educational Resources Information Center

    McAlvey, Warren C.; Price, Anne J.

    Guidelines for loan collection staff who award/service college student loans are presented. Attention is directed to sound collection procedures, three specific loan programs, suing a defaulted borrower, the Family Educational Rights and Privacy Act and the use of credit bureaus, and student loan borrower bankruptcy. Loan collection procedures for…

  7. Mortgage-Backed Student Loans.

    ERIC Educational Resources Information Center

    Wofford, Douglas

    1987-01-01

    Issues concerning mortgage-backed student loans are examined, with attention to the new tax law, policy and practical concerns that a college should address before starting this type of loan program, public policy issues, and two types of plans. The Tax Reform Act of 1986 phases out the deductibility of consumer interest charges and as a result…

  8. Student Loans: A Moderate Proposal.

    ERIC Educational Resources Information Center

    Simpson, William B.; Mendelson, Morris

    1986-01-01

    Given the pressure for alternative uses of government funds, loans will continue to have a role in the student assistance program. The limitations inherent in their use and how best they may be coped with are explored. (MLW)

  9. 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…

  10. Cumulative Student Loan Debt in Minnesota, 2015

    ERIC Educational Resources Information Center

    Williams-Wyche, Shaun

    2016-01-01

    To better understand student debt in Minnesota, the Minnesota Office of Higher Education (the Office) gathers information on cumulative student loan debt from Minnesota degree-granting institutions. These data detail the number of students with loans by institution, the cumulative student loan debt incurred at that institution, and the percentage…

  11. Study of Guaranteed Student Loan Default Rates.

    ERIC Educational Resources Information Center

    Lee, John B.

    Data on Guaranteed Student Loan (GSL) program defaults for 1965 to early 1981 are presented, as are characteristics of GSL lenders. Default rate data are provided by state agency, year of birth of loan recipient, last academic year, year of last loan, elapsed time between last loan and current status, institutional type and control, and…

  12. 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…

  13. 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…

  14. 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…

  15. 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)

  16. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 1 2014-01-01 2014-01-01 false Agency student loan repayment plans. 537... REPAYMENT OF STUDENT LOANS § 537.103 Agency student loan repayment plans. Before providing student loan repayment benefits under this part, an agency must establish a student loan repayment plan. This plan...

  17. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Agency student loan repayment plans. 537... REPAYMENT OF STUDENT LOANS § 537.103 Agency student loan repayment plans. Before providing student loan repayment benefits under this part, an agency must establish a student loan repayment plan. This plan...

  18. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 1 2013-01-01 2013-01-01 false Agency student loan repayment plans. 537... REPAYMENT OF STUDENT LOANS § 537.103 Agency student loan repayment plans. Before providing student loan repayment benefits under this part, an agency must establish a student loan repayment plan. This plan...

  19. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 1 2011-01-01 2011-01-01 false Agency student loan repayment plans. 537... REPAYMENT OF STUDENT LOANS § 537.103 Agency student loan repayment plans. Before providing student loan repayment benefits under this part, an agency must establish a student loan repayment plan. This plan...

  20. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 1 2012-01-01 2012-01-01 false Agency student loan repayment plans. 537... REPAYMENT OF STUDENT LOANS § 537.103 Agency student loan repayment plans. Before providing student loan repayment benefits under this part, an agency must establish a student loan repayment plan. This plan...

  1. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid...

  2. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid...

  3. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid...

  4. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid...

  5. 42 CFR 57.309 - Payment of nursing student loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid...

  6. 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…

  7. 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…

  8. Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes

    ERIC Educational Resources Information Center

    Norvilitis, Jill M.; Bat, Meghan J.

    2016-01-01

    Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan…

  9. Student Loans Reform in China: Problems and Challenges

    ERIC Educational Resources Information Center

    Wei, Jianguo; Wang, Rong

    2009-01-01

    Student loans schemes have developed rapidly alongside China's move towards mass higher education. In this paper, the main features of the existing four types of student loan schemes are compared. In particular, the providers of principal loan, borrower eligibility, loan size, loan origination, interest subsidy, risk-sharing, repayment conditions…

  10. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false The student loan application. 60.51 Section 60.51... ASSISTANCE LOAN PROGRAM The School § 60.51 The student loan application. When the student completes his or her portion of the student loan application and submits it to the school, the school must do...

  11. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false The student loan application. 60.51 Section 60.51... ASSISTANCE LOAN PROGRAM The School § 60.51 The student loan application. When the student completes his or her portion of the student loan application and submits it to the school, the school must do...

  12. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Health professions student loan funds. 57.205... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.205 Health professions student loan funds. (a) Funds...

  13. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false The student loan application. 60.51 Section 60.51... ASSISTANCE LOAN PROGRAM The School § 60.51 The student loan application. When the student completes his or her portion of the student loan application and submits it to the school, the school must do...

  14. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Health professions student loan funds. 57.205... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.205 Health professions student loan funds. (a) Funds...

  15. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false The student loan application. 60.51 Section 60.51... ASSISTANCE LOAN PROGRAM The School § 60.51 The student loan application. When the student completes his or her portion of the student loan application and submits it to the school, the school must do...

  16. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Health professions student loan funds. 57.205... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.205 Health professions student loan funds. (a) Funds...

  17. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Health professions student loan funds. 57.205... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.205 Health professions student loan funds. (a) Funds...

  18. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false The student loan application. 60.51 Section 60.51... ASSISTANCE LOAN PROGRAM The School § 60.51 The student loan application. When the student completes his or her portion of the student loan application and submits it to the school, the school must do...

  19. 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...

  20. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions....

  1. 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...

  2. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions....

  3. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions....

  4. 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...

  5. 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...

  6. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions....

  7. 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...

  8. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions....

  9. 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…

  10. 42 CFR 60.52 - The student's loan check.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false The student's loan check. 60.52 Section 60.52... ASSISTANCE LOAN PROGRAM The School § 60.52 The student's loan check. (a) When a school receives from a HEAL lender a loan disbursement check or draft payable jointly to the school and to one of its students,...

  11. 42 CFR 60.52 - The student's loan check.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false The student's loan check. 60.52 Section 60.52... ASSISTANCE LOAN PROGRAM The School § 60.52 The student's loan check. (a) When a school receives from a HEAL lender a loan disbursement check or draft payable jointly to the school and to one of its students,...

  12. 42 CFR 60.52 - The student's loan check.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false The student's loan check. 60.52 Section 60.52... ASSISTANCE LOAN PROGRAM The School § 60.52 The student's loan check. (a) When a school receives from a HEAL lender a loan disbursement check or draft payable jointly to the school and to one of its students,...

  13. 42 CFR 60.52 - The student's loan check.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false The student's loan check. 60.52 Section 60.52... ASSISTANCE LOAN PROGRAM The School § 60.52 The student's loan check. (a) When a school receives from a HEAL lender a loan disbursement check or draft payable jointly to the school and to one of its students,...

  14. 42 CFR 60.52 - The student's loan check.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false The student's loan check. 60.52 Section 60.52... ASSISTANCE LOAN PROGRAM The School § 60.52 The student's loan check. (a) When a school receives from a HEAL lender a loan disbursement check or draft payable jointly to the school and to one of its students,...

  15. 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…

  16. 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…

  17. 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…

  18. 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…

  19. 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…

  20. 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…

  1. 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…

  2. Credit for College: Public Policy for Student Loans.

    ERIC Educational Resources Information Center

    Hartman, Robert W.

    The author examines past and present student loan programs and new alternatives. Responsible people take a wide range of positions on the desirable role of student loans in higher education finance. Views on student loans, in part, reflect the relative importance various observers attach to three basic rationales for government intervention in…

  3. 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... students for loans. (a)(1) An institution shall make loans under this part reasonably available, to the extent of available funds, to all students eligible under § 674.9 but shall give priority to...

  4. 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... students for loans. (a)(1) An institution shall make loans under this part reasonably available, to the extent of available funds, to all students eligible under § 674.9 but shall give priority to...

  5. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 34 Education 3 2014-07-01 2014-07-01 false Selection of students for loans. 674.10 Section 674.10... students for loans. (a)(1) An institution shall make loans under this part reasonably available, to the extent of available funds, to all students eligible under § 674.9 but shall give priority to...

  6. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 3 2012-07-01 2012-07-01 false Selection of students for loans. 674.10 Section 674.10... students for loans. (a)(1) An institution shall make loans under this part reasonably available, to the extent of available funds, to all students eligible under § 674.9 but shall give priority to...

  7. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 34 Education 3 2013-07-01 2013-07-01 false Selection of students for loans. 674.10 Section 674.10... students for loans. (a)(1) An institution shall make loans under this part reasonably available, to the extent of available funds, to all students eligible under § 674.9 but shall give priority to...

  8. Reducing Student Loan Defaults: A Plan for Action.

    ERIC Educational Resources Information Center

    Farrell, Mary

    The federal Guaranteed Student Loan programs provide low-interest, long-term loans to students with demonstrated financial need to help them pay for their postsecondary education. The number of loan defaults and the associated federal costs are increasing; this handbook is an effort to protect students, increase accountability, and reduce default…

  9. 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...

  10. 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…

  11. Student Loan Program Simplification Symposium. Briefing Document.

    ERIC Educational Resources Information Center

    Advisory Committee on Student Financial Assistance, Washington, DC.

    This paper offers proposals for streamlining and simplifying the federal student loan programs in light of legislative and budgetary changes in progress during the early part of the Clinton Administration. The recommendations are based on 35 proposals submitted by institutions, associations, guaranty agencies, secondary markets, lenders, and loan…

  12. 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…

  13. 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…

  14. Frontiers. The Annual Report of the Alaska Commission on Postsecondary Education. Fiscal Year 1995.

    ERIC Educational Resources Information Center

    Barrans, Diane; Forrer, Eric

    This annual report describes activities and accomplishments during fiscal year 1995 of the Alaska Commission on Postsecondary Education (ACPE) which, among other activities, oversees the Alaska Student Loan Programs (ASLP). The report also reports on the ASLP's administration of a Loan Fund to provide lower-interest loans to Alaska residents. It…

  15. 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…

  16. 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…

  17. 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…

  18. Student-Aid Analysts Blast Loan Program, Urge Big Overhaul.

    ERIC Educational Resources Information Center

    Wilson, Robin

    1988-01-01

    Student financial aid analysts are suggesting the federal government establish a government-run loan bank or trust fund to eliminate the need for lender involvement in the Guaranteed Student Loan Program, but congressional aides think that dismantling the existing program is unlikely. (MSE)

  19. 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…

  20. 12 CFR 1090.106 - Student loan servicing market.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Student loan servicing market. 1090.106 Section... CERTAIN CONSUMER FINANCIAL PRODUCT AND SERVICE MARKETS Markets § 1090.106 Student loan servicing market. (a) Market-related definitions. As used in this subpart: Account volume means the number of...

  1. 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)

  2. Are Student Loan Default Rates Linked to Institutional Capacity?

    ERIC Educational Resources Information Center

    Ishitani, Terry T.; McKitrick, Sean A.

    2016-01-01

    As more undergraduates have taken out loans to attend college, the number of borrowers who fail to repay their student loans has increased. While previous research has focused on students' likelihood to default, this study employed institutional cohort default rates (CDRs) as an outcome variable. Using Integrated Postsecondary Education Data…

  3. 78 FR 65767 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-01

    ...The Secretary amends the Student Assistance General Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL) Program, and William D. Ford Federal Direct Loan (Direct Loan) Program regulations. These final regulations will: Amend the FFEL and Direct Loan program regulations to reflect changes made to the Higher Education Act of 1965, as amended (HEA), by the......

  4. 77 FR 59311 - Federal Student Aid Programs (Student Assistance General Provisions, Federal Perkins Loan Program...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-27

    ... credit balance to the student or parent, in the case of a parent PLUS loan; or using the credit balance...(a)(6)(iii)(A)(5) and (a)(6)(iii)(D), a student (or parent for a parent PLUS loan) must be provided a post-withdrawal disbursement of a title IV loan if the student (or parent) responds to an...

  5. Loans for medical students: the issue of manageability.

    PubMed

    Weiler, W C

    1976-06-01

    Unless there is a shift in student aid policy for medical students to a greater proportion of scholarships or grants, increased student borrowing is inevitable. This paper is concerned with the structure of student loan programs and with altering the repayment features of the programs for the convenience of the student borrower. In this context the Guaranteed Student Loan Program is analyzed and its current limitations discussed. A variant of the GSL program having an income contingent repayment feature is proposed. Computer simulations of loan repayments with the proposed income contingent variant and the current program using current and projected data on physicians' incomes are developed. Based on the results of these simulations, some conclusions regarding the manageability of repayments with the proposed loan program are presented.

  6. Student Loan Collections at Lake City Community College [Florida].

    ERIC Educational Resources Information Center

    Bracy, Lavon W.

    Lake City Community College began its involvement with the National Direct Student Loan Program in 1965. As of June 30, 1975, the college had loaned $317,625 to 486 students--an average of $653 per student. Of this amount, $93,292 has been repaid or cancelled, leaving $224,333 outstanding and $42,678 past due. Of the past due amount, $15,142 is…

  7. 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…

  8. 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;…

  9. Guaranteed Student Loan Default Information. NASFAA Federal Monitor, No. 166.

    ERIC Educational Resources Information Center

    National Association of Student Financial Aid Administrators, Washington, DC.

    Recent developments on the topic of Guaranteed Student Loan defaults are summarized, in light of a recent shift in the focus of default reduction efforts from loan originators to the schools themselves. Background information on recent default reports is provided, the recommendations of the Secretary of Education are discussed, and the legislative…

  10. 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…

  11. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... student loan repayment benefits. 537.106 Section 537.106 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.106 Conditions and procedures for providing student loan repayment benefits. (a) General conditions. (1) Student loan repayment benefits...

  12. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... student loan repayment benefits. 537.106 Section 537.106 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.106 Conditions and procedures for providing student loan repayment benefits. (a) General conditions. (1) Student loan repayment benefits...

  13. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... student loan repayment benefits. 537.106 Section 537.106 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.106 Conditions and procedures for providing student loan repayment benefits. (a) General conditions. (1) Student loan repayment benefits...

  14. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... student loan repayment benefits. 537.106 Section 537.106 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.106 Conditions and procedures for providing student loan repayment benefits. (a) General conditions. (1) Student loan repayment benefits...

  15. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... student loan repayment benefits. 537.106 Section 537.106 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.106 Conditions and procedures for providing student loan repayment benefits. (a) General conditions. (1) Student loan repayment benefits...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. Quilts of Alaska--Student Activities.

    ERIC Educational Resources Information Center

    Alaska State Museum, Juneau.

    This student activities booklet, "Quilts of Alaska," contains historical and educational information on quilts. It is colorfully illustrated with examples of different types of quilts. The booklet describes album or signature quilts, which from 1840 to the 1890s, were a U.S. fad, such as were autograph albums. As the name suggests, these…

  7. 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…

  8. 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…

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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…

  14. Your Student Loan: A Financial Planning and Repayment Guide.

    ERIC Educational Resources Information Center

    California Student Aid Commission, Sacramento.

    This brief pamphlet is a financial planning and repayment guide designed to help college students make informed decisions about participating in Federal Family Educational Loan Programs as administered in California through the California Student Aid Commission. Following an introduction the guide begins by suggesting that students map out a…

  15. 78 FR 6081 - Agency Information Collection Activities; Comment Request; National Student Loan Data System (NSLDS)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-29

    ... Agency Information Collection Activities; Comment Request; National Student Loan Data System (NSLDS) AGENCY: Federal Student Aid (FSA), Department of Education (ED). ACTION: Notice. SUMMARY: In accordance... notice will be considered public records. Title of Collection: National Student Loan Data System...

  16. Why Do Students Borrow So Much? Recent National Trends in Student Loan Debt. ERIC Digest.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    College students are leaving their higher education institutions with more educational loan debt than ever before. From academic year 1994-1997 to 1999-2000, the amount postsecondary education students borrowed through federal student loan programs jumped from $24 billion to $33.7 billion, and total debt for borrowers who received master's and…

  17. 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…

  18. 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…

  19. 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…

  20. 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…

  1. A Design-It-Yourself Student-Loan Program

    ERIC Educational Resources Information Center

    Day, Philip R., Jr.; Fitzgerald, Brian K.; Kane, Thomas J.; Kantrowitz, Mark; Lief, Brett E.; Nassirian, Barmak

    2008-01-01

    One does not need to be an expert on student aid to recognize that the current loan system is complex, sometimes inefficient, and highly politicized. When it comes to financing a college education, there is no "one-stop shopping." Students and their parents have a multitude of lenders to choose from, including federal and state governments and…

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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…

  8. 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…

  9. 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

    ... Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program/NDSL Assignment... National Direct/Defense Student Loan Program (NDSL), currently use this form to assign defaulted loans to... Perkins Loan Program, formerly the National Direct/Defense Student Loan Program (NDSL), currently use...

  10. 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…

  11. Student Loans and Repayment Rates: The Role of For-Profit Colleges

    ERIC Educational Resources Information Center

    Belfield, Clive R.

    2013-01-01

    This paper examines the institutional determinants of federal loan status for a recent cohort of college students. We first set out how institutions influence loan accumulations and repayment rates, with particular focus on for-profit colleges. We then test a set of hypotheses about loan status and repayment using national data on loans, defaults,…

  12. 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…

  13. Radical Reform or Incremental Change? Student Loan Policy Alternatives for the Federal Government.

    ERIC Educational Resources Information Center

    Gladieux, Lawrence E., Ed.

    The federal student loan program is examined with focus on how well it will serve the country's needs in the 1990s and beyond. A series of papers are presented in two parts. Part one, Student Loan Policy and Proposals for Change, includes the following papers: "Appearance and Reality in the Guaranteed Student Loan Program" (M.…

  14. 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…

  15. 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)

  16. An Efficient Student Loan System: Case Study of Hungary

    ERIC Educational Resources Information Center

    Berlinger, Edina

    2009-01-01

    The Hungarian student loan system was introduced in 2001. It has four main attributes: universal access and universal conditions; income contingent repayment; private funding; and self-sustaining (zero-profit) operation without direct state subsidy. This latter characteristic makes the scheme quite unique in international practice. Empirical facts…

  17. The New Student Loan System in Chile's Higher Education

    ERIC Educational Resources Information Center

    Larrain, Christian; Zurita, Salvador

    2008-01-01

    Chile's higher education system stands out as being one of the most privatized and open to the market in the world. Recently, the Chilean Congress passed Law #20.027 of 2005, which provides the legal framework for the creation of a student loan system guaranteed both by the State and by higher education institutions (HEIs), financed by the private…

  18. Models for Determining the Efficiency of Student Loans Policies

    ERIC Educational Resources Information Center

    Dente, Bruno; Piraino, Nadia

    2011-01-01

    For both efficiency and equity reasons, student loans schemes have been introduced by several countries. Empirical work has been carried out in order to measure the effectiveness of these policies, but, with few exceptions, their results are not comparable because of their concentration on specific aspects. The present work suggests a…

  19. 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…

  20. Student Loan Forgiveness Programs: An Evolving Workforce Development Tool. Policy Matters: A Higher Education Policy Brief

    ERIC Educational Resources Information Center

    Harnisch, Thomas L.

    2009-01-01

    Since the 1940s, public officials at the local, state and federal levels have used student loan forgiveness programs to attract individuals to critically needed occupations and underserved communities. In exchange for a work commitment, the loan program forgives (or repays) an amount of the employee's student loan. Traditionally, these programs…

  1. Direct Loans to Students: An Idea Whose Time Has (Finally) Come?

    ERIC Educational Resources Information Center

    Hartle, Terry W.; Kusnan, Joseph C.

    1991-01-01

    A proposed change in federal student loan policy from providing loans through lending institutions to providing loans directly to students is of enormous importance to higher education, with major implications for colleges and universities. There are powerful arguments pro and con. Institutions must ensure they and policymakers understand the…

  2. Stafford Student Loans: Lower Subsidy Payments Could Achieve Savings without Affecting Access. Report to Congressional Committees.

    ERIC Educational Resources Information Center

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

    Looking for ways to save money within the Stafford Student Loan program, a study was done to measure the effect that a lower special allowance could have on the supply of Stafford loans made with private capital. The special allowance is an incentive payment to commercial lenders who participate in guaranteed student loan programs. The study used…

  3. The Demand for Student Loans in Higher Education: A Study of Preferences and Attitudes

    ERIC Educational Resources Information Center

    Brugel, John F.; And Others

    1977-01-01

    This empirical study examined postsecondary-student attitudes and preferences regarding five discrete student loan plans and loan plan features. Questions addressed dealth with debt ceilings, loan repayment time span and percentage of annual income, and alteration of repayment plan choices. A random sample of 218 federal aid recipients was used.…

  4. 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…

  5. Guaranteed Student Loans. Comparisons of Single State and Multistate Guaranty Agencies. Report to Congressional Committees.

    ERIC Educational Resources Information Center

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

    A comparison was made of the practices of so-called multistate guaranty agencies with those of single state guaranty agencies, both operating under the provisions of the Stafford Student Loan Program (formerly the Guaranteed Student Loan Program). It expands on earlier results and provides data on trends in the growth of guaranteed loans and…

  6. 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…

  7. American Indian/Alaska Native College Student Retention Strategies

    ERIC Educational Resources Information Center

    Guillory, Raphael M.

    2009-01-01

    This article presents findings from a qualitative study examining the similarities and differences between American Indian/Alaska Native student perceptions and the perceptions of state representatives, university presidents, and faculty about persistence factors and barriers to degree completion specific to American Indian/Alaska Native students…

  8. 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.

  9. 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…

  10. 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…

  11. 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

  12. Student Loans: Default Rates Need To Be Computed More Appropriately. Report to Congressional Requesters.

    ERIC Educational Resources Information Center

    Hembra, Richard L.

    This report examines how the Department of Education calculates the default rate for two federal student loan programs--the Federal Family Education Loan program (FFELP) and the William D. Ford Federal Direct Loan Program (FDLP). The report focuses on three questions regarding these programs: (1) whether there has been an increase in the number of…

  13. Student Loan Debt Literacy: A Comparison of First-Generation and Continuing-Generation College Students

    ERIC Educational Resources Information Center

    Lee, Jason; Mueller, John A.

    2014-01-01

    While much has been written about the increasing debt burden that college students incur, little research examines student's perceptions of debt. This study sought to determine if student loan debt literacy differs by generation status (first-generation and continuing-generation). The data for this study was collected from a sample of 156…

  14. The Effect of Loans on Students' Degree Attainment: Differences by Student and Institutional Characteristics

    ERIC Educational Resources Information Center

    Kim, Dongbin

    2007-01-01

    In this article, the author investigates the relationship between undergraduate student loan debt and degree attainment. Using data from the Beginning Postsecondary Student (BPS) surveys in 1995-1996 and 2000-2001, she examines whether the relationship between debt and degree attainment is different for students with different parental income…

  15. 34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... an institution is liable for a payment of a grant or Federal Perkins loan to an ineligible student... ineligible students. (a) If an institution makes a payment of a grant or a disbursement of a Federal Perkins loan to an ineligible student for which it is not liable in accordance with § 668.138, it shall...

  16. 34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... an institution is liable for a payment of a grant or Federal Perkins loan to an ineligible student... ineligible students. (a) If an institution makes a payment of a grant or a disbursement of a Federal Perkins loan to an ineligible student for which it is not liable in accordance with § 668.138, it shall...

  17. 34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... an institution is liable for a payment of a grant or Federal Perkins loan to an ineligible student... ineligible students. (a) If an institution makes a payment of a grant or a disbursement of a Federal Perkins loan to an ineligible student for which it is not liable in accordance with § 668.138, it shall...

  18. 34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... an institution is liable for a payment of a grant or Federal Perkins loan to an ineligible student... ineligible students. (a) If an institution makes a payment of a grant or a disbursement of a Federal Perkins loan to an ineligible student for which it is not liable in accordance with § 668.138, it shall...

  19. Student Loans and Public Accountability. Policy Matters: A Higher Education Policy Brief

    ERIC Educational Resources Information Center

    Hillman, Nick

    2007-01-01

    With nearly two out of every three college graduates having borrowed money to pay for their higher education, the multi-billion dollar student-loan industry plays a ubiquitous role in students' college participation and success. Recent state and federal investigations have uncovered illegal and unethical practices in the student-loan industry.…

  20. The Role of Information in the Take-up of Student Loans

    ERIC Educational Resources Information Center

    Booij, Adam S.; Leuven, Edwin; Oosterbeek, Hessel

    2012-01-01

    We study student loan behavior in the Netherlands where (i) higher education students know little about the conditions of the government's financial aid program and (ii) take-up rates are low. In a field experiment we manipulated the amount of information students have about these conditions. The treatment has no impact on loan take-up, which is…

  1. 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…

  2. 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.…

  3. 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…

  4. 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…

  5. Student Loans: Direct Loans Could Save Money and Simplify Program Administration. Briefing 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.

    A study was conducted to determine: (1) whether federal savings could be expected by replacing Stafford student loans with direct loans under a direct loan program proposed by the National Association of State universities and Land Grant Colleges; and (2) what consequent administrative responsibilities would accrue to educational institution and…

  6. 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…

  7. 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…

  8. A Typology of Institutional Loan Replacement Grant Initiatives for Low- and Moderate-Income Students

    ERIC Educational Resources Information Center

    Lips, Adam Joseph Argaylis

    2011-01-01

    In recent years, growing numbers of four-year institutions have implemented a new type of need-based financial aid policy directed toward low- and middle-income students. These initiatives--referred to here as Loan Replacement Grant (LRG) programs--greatly reduce or eliminate loans in student aid awards and replace them with grants. This paper…

  9. 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)…

  10. 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

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan Program..., formerly the National Direct/Defense Student Loan Program (NDSL), currently use this form to...

  11. Guaranteed Student Loans. Lenders' Interest Billings Often Result in Overpayments. Report to Congressional Committees.

    ERIC Educational Resources Information Center

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

    Lenders' billings for interest subsidy payments under the Department of Education's Guaranteed Student Loan Program (GSLP) are discussed. In fiscal year 1986, the Department of Education paid lenders $2.4 billion in interest subsidies on $39 billion of outstanding Guaranteed Student Loans. The General Accounting Office (GAO) reviewed the accounts…

  12. 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…

  13. 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"…

  14. Student Financial Aid Handbook, 2000-2001. Volume 8: Direct Loan and FFEL Programs.

    ERIC Educational Resources Information Center

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

    The "Student Financial Aid Handbook" explains the policies and procedures required for institutions of higher education to administer federally funded student financial assistance programs properly. This volume clarifies a school's responsibility with respect to Stafford and PLUS loans. These loans are offered through two delivery…

  15. 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…

  16. What Are the Alternatives to Student Loans in Higher Education Funding?

    ERIC Educational Resources Information Center

    Stokes, Anthony; Wright, Sarah

    2010-01-01

    In a period of student loan scandals and U.S. financial market instability impacting on the cost and availability of student loans, this paper looks at alternative models of higher education funding. In this context, it also considers the level of financial support that the government should provide to higher education.

  17. 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…

  18. 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…

  19. 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:…

  20. 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…

  1. 78 FR 18902 - Defining Larger Participants of the Student Loan Servicing Market

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-28

    ... PROTECTION 12 CFR Part 1090 RIN 3170-AA35 Defining Larger Participants of the Student Loan Servicing Market... section to define larger participants of a market for student loan servicing. The Bureau proposes this... services, as the Bureau defines by rule. The proposal (Proposed Rule) would identify a market for...

  2. 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…

  3. As Loan Servicers Multiply, So Do Problems for Students, College Officials Say

    ERIC Educational Resources Information Center

    Stratford, Michael

    2012-01-01

    When students or recent graduates come to talk with Anthony M. Sozzo, an associate dean for student affairs at New York Medical College, about repaying their federal loans, he sometimes struggles with what to tell them. He states that the answers are increasingly being complicated by an ever-expanding federal loan-servicing system. The number of…

  4. 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…

  5. 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…

  6. Do Loans Increase College Access and Choice? Examining the Introduction of Universal Student Loans. Working Paper 07-1

    ERIC Educational Resources Information Center

    Long, Bridget Terry

    2007-01-01

    The returns to college are substantial, including increased earnings and public benefits, such as better health and increased involvement in public service and giving. As a result, since the introduction of the Guaranteed Student Loan program in 1965 and the Pell Grant in 1972, the federal government has experimented with using financial aid to…

  7. Summer Internship Program for American Indian & Native Alaska College Students

    ScienceCinema

    None

    2016-07-12

    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.

  8. Summer Internship Program for American Indian & Native Alaska College Students

    SciTech Connect

    2010-03-05

    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.

  9. Direct Student Loans: The Department of Education's Implementation of Direct Lending. Testimony before the Subcommittee on Human Resources and Intergovernmental Relations, Committee on Government Operations, House of Representatives.

    ERIC Educational Resources Information Center

    Crawford, Clarence C.

    In the current implementation of the Federal Direct Student Loan Program, there are lessons to be learned from past higher education loan programs, better ways to administer these programs and direct loans, and points to remember as direct loans are implemented. Current guaranteed student loan programs have been the subject of scrutiny recently…

  10. 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…

  11. 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…

  12. 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…

  13. 34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... borrowers. 674.32 Section 674.32 Education Regulations of the Offices of the Department of Education... Loans § 674.32 Special terms: loans to less than half-time student borrowers. (a) The promissory note... purpose by the Secretary. (b) The note must otherwise conform to the provisions of § 674.31....

  14. 34 CFR 674.32 - Special terms: loans to less than half-time student borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... borrowers. 674.32 Section 674.32 Education Regulations of the Offices of the Department of Education... Loans § 674.32 Special terms: loans to less than half-time student borrowers. (a) The promissory note... purpose by the Secretary. (b) The note must otherwise conform to the provisions of § 674.31....

  15. 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…

  16. Constrained after College: Student Loans and Early Career Occupational Choices. NBER Working Paper No. 13117

    ERIC Educational Resources Information Center

    Rothstein, Jesse; Rouse, Cecilia Elena

    2007-01-01

    In the early 2000s, a highly selective university introduced a "no-loans" policy under which the loan component of financial aid awards was replaced with grants. We use this natural experiment to identify the causal effect of student debt on employment outcomes. In the standard life-cycle model, young people make optimal educational investment…

  17. 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…

  18. A Self-Instructional Course in Student Financial Aid Administration. Module 11: The Stafford Loan, SLS, and PLUS Programs. Second Edition.

    ERIC Educational Resources Information Center

    Washington Consulting Group, Inc., Washington, DC.

    Module 11 in the 17-module self-instructional course on student financial aid administration (designed for novice financial aid administrators and other institutional personnel) focuses on the Stafford Loan, SLS (Supplemental Loans for Students), and Parent Loans for Undergraduate Students (PLUS) student loan programs. It is part of a course that…

  19. 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…

  20. 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…

  1. 77 FR 30265 - Notice of Submission for OMB Review; Federal Student Aid; Direct Loan Income Contingent Repayment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-22

    ... Notice of Submission for OMB Review; Federal Student Aid; Direct Loan Income Contingent Repayment Plan Alternative Documentation of Income SUMMARY: This form serves as the means by which a borrower who is repaying Direct Loan Program loans under the Income-Contigent Repayment (ICR) Plan or the Income-Based...

  2. Guaranteed Student Loan Amendments of 1976. Ninety-fourth Congress, Second Session. Report No. 94-1232.

    ERIC Educational Resources Information Center

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

    A report on the Guaranteed Student Loan Amendments (H.R. 14070) to Title IV of the Higher Education Act of 1965 considers the problems behind and implications of the loan program. Chief among the problems are the default rate, access to loans, the schools as lenders, and the role of the states in administering the program. Changes recommended…

  3. 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…

  4. 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…

  5. 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…

  6. 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.

  7. 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,…

  8. Financial Aid Awarded, Fiscal Year 2003: Grants, Loans, and Student Earnings from Work-Study Jobs.

    ERIC Educational Resources Information Center

    Minnesota Higher Education Services Office, 2004

    2004-01-01

    This report presents information on financial resources provided to undergraduates at Minnesota post-secondary institutions. The financial resources reported are grants, loans, and student earnings that help students pay tuition, fees, room and board, and other costs of attending post-secondary education. This report presents information for…

  9. Federal Student Loan Debt Burden of Noncompleters. Stats in Brief. NCES 2013-155

    ERIC Educational Resources Information Center

    Wei, Christina Chang; Horn, Laura

    2013-01-01

    This Statistics in Brief focuses on students who do not complete a postsecondary credential and the substantial federal education debt they accrue. Specifically, the analysis compares the cumulative debt from Stafford and Perkins loan programs of students who did not complete a degree within 6 years of first enrolling ("noncompleters")…

  10. 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…

  11. 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…

  12. Private Loan Counseling for Undergraduate Students: The Role of College Financial Aid Counselors

    ERIC Educational Resources Information Center

    Jensen, Carol A.

    2008-01-01

    The cost of attending college has surpassed federal financial aid limits and fewer parents are paying the balance. As private lenders have been targeting undergraduate students to obtain private (alternative) loans to fill the financial gap, many students do not have parents or other adults to help them navigate one of the largest financial…

  13. 42 CFR 57.209 - Payment of health professions student loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 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...

  14. 42 CFR 57.209 - Payment of health professions student loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 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...

  15. 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...

  16. 42 CFR 57.209 - Payment of health professions student loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 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...

  17. 42 CFR 57.209 - Payment of health professions student loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 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...

  18. 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…

  19. 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…

  20. Lending a Hand: A Report on the Lobbying Expenditures and Political Contributions of the Five Largest Student Loan Corporations.

    ERIC Educational Resources Information Center

    United States Public Interest Research Group, Washington, DC.

    Using data from a variety of sources, including public records and the Web site of the Center for Responsive Politics, this study examined the political spending of the five largest holders of federally subsidized student loans: Sallie Mae, the Student Loan Corporation of Citibank, First Union National Bank, Wells Fargo Education Financial…

  1. The Guaranteed Student Loan Program: Current Status, Background, and Issues. CRS Report for Congress, 87-815 EPW.

    ERIC Educational Resources Information Center

    Fraas, Charlotte Jones; Stedman, James B.

    A description of the current provisions of the Guaranteed Student Loan (GSL) program is provided along with an analysis of the GSL budget, a summary of up-to-date statistics on participation in the program, and a review of continuing issues related to the program. These federally reinsured loans are usually made by private lenders to students for…

  2. Adverse Opinion on the Financial Statements of the Student Loan Insurance Fund for the Fiscal Year Ended September 30, 1980. Report to the Congress.

    ERIC Educational Resources Information Center

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

    Results are presented of a General Accounting Office audit of the Student Loan Insurance Fund (SLIF) financial statements for the fiscal year ending September 30, 1980. SLIF finances the Guaranteed Student Loan Program by reimbursing lenders and state guarantee agencies when students default on their loans. The fund, which is managed by the…

  3. Student Loan Defaults. Oversight Hearing Before the Subcommittee on Postsecondary Education of the Committee on Education and Labor, House of . Representatives.

    ERIC Educational Resources Information Center

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

    Hearings are presented on the subject of defaults of student loans made pursuant to the Guaranteed Student Loan Program authorized by part B of Title IV of the Higher Education Act. Methods are suggested for cutting down or eliminating defaults including: (1) discharging federal employees who have defaulted on student loans, after a reasonable…

  4. 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.

  5. 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.

  6. 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…

  7. 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…

  8. 78 FR 73383 - Defining Larger Participants of the Student Loan Servicing Market

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-06

    ... PROTECTION 12 CFR Part 1090 RIN 3170-AA35 Defining Larger Participants of the Student Loan Servicing Market... financial product and service markets by adding a new section to define larger participants of a market for... payday lending markets. In addition, the Bureau has the authority to supervise nonbank...

  9. 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…

  10. 76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-22

    ... relating to education loans that were added to the Higher Education Act of 1965, as amended (HEA), by the Higher Education Opportunity Act (HEOA). The Department also amended regulations for the Student... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION...

  11. 77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-13

    ... the first few years of their careers. The Income-Based Repayment (IBR) plan for Federal student loans... reducing their monthly payment through IBR. Additionally, too many borrowers have had difficulties... borrowers are still struggling to access this important repayment option due to difficulty in...

  12. Factors Affecting Student Loan Default Rates: Nevada System of Higher Education

    ERIC Educational Resources Information Center

    Kypuros, Christopher Anthony

    2009-01-01

    Nevada's rate of default on college loans is among the highest in the nation. At the time of this study, there were no research studies on defaulters in the state of Nevada. The present study was designed for initial exploration regarding the relationship between various kinds of student factors and default rates from institutions at the Nevada…

  13. 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…

  14. 42 CFR 57.210 - Repayment and collection of health professions 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 health professions student loans. 57.210 Section 57.210 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS...

  15. 42 CFR 57.206 - Eligibility and selection of health professions 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 health professions student loan applicants. 57.206 Section 57.206 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  16. 42 CFR 57.211 - Cancellation of health professions students 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 health professions students loans for disability or death. 57.211 Section 57.211 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  17. 42 CFR 57.211 - Cancellation of health professions students 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 health professions students loans for disability or death. 57.211 Section 57.211 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  18. 42 CFR 57.206 - Eligibility and selection of health professions 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 health professions student loan applicants. 57.206 Section 57.206 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  19. 42 CFR 57.207 - Maximum amount of health professions 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 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...

  20. 42 CFR 57.206 - Eligibility and selection of health professions 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 health professions student loan applicants. 57.206 Section 57.206 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  1. 42 CFR 57.210 - Repayment and collection of health professions 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 health professions student loans. 57.210 Section 57.210 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS...

  2. 42 CFR 57.207 - Maximum amount of health professions 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 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...

  3. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 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...

  4. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 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...

  5. 42 CFR 57.206 - Eligibility and selection of health professions 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 health professions student loan applicants. 57.206 Section 57.206 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  6. 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 for disability or death. 57.211 Section 57.211 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  7. 42 CFR 57.206 - Eligibility and selection of health professions 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 health professions student loan applicants. 57.206 Section 57.206 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  8. 42 CFR 57.211 - Cancellation of health professions students 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 health professions students loans for disability or death. 57.211 Section 57.211 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  9. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 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...

  10. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 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...

  11. 42 CFR 57.210 - Repayment and collection of health professions 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 health professions student loans. 57.210 Section 57.210 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS...

  12. 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...

  13. 42 CFR 57.211 - Cancellation of health professions students 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 health professions students loans for disability or death. 57.211 Section 57.211 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL...

  14. 42 CFR 57.207 - Maximum amount of health professions 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 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...

  15. 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...

  16. 42 CFR 57.207 - Maximum amount of health professions 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 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...

  17. Alaska

    SciTech Connect

    Jones, B.C.; Sears, D.W.

    1981-10-01

    Twenty-five exploratory wells were drilled in Alaska in 1980. Five oil or gas discovery wells were drilled on the North Slope. One hundred and seventeen development and service wells were drilled and completed, primarily in the Prudhoe Bay and Kuparuk River fields on the North Slope. Geologic-geophysical field activity consisted of 115.74 crew months, an increase of almost 50% compared to 1979. These increases affected most of the major basins of the state as industry stepped up preparations for future lease sales. Federal acreage under lease increased slightly, while state lease acreage showed a slight decline. The year's oil production showed a increase of 16%, while gas production was down slightly. The federal land freeze in Alaska showed signs of thawing, as the US Department of Interior asked industry to identify areas of interest onshore for possible future leasing. National Petroleum Reserve in Alaska was opened to private exploration, and petroleum potential of the Arctic Wildlife Refuge will be studied. One outer continental shelf lease sale was held in the eastern Gulf of Alaska, and a series of state and federal lease sales were announced for the next 5 years. 5 figures, 5 tables.

  18. Exposing Middle School Students to Remote Sensing in Alaska

    NASA Astrophysics Data System (ADS)

    Prakash, A.

    2003-12-01

    The need for attracting young minds to scientific research at an early stage is already recognized. Efforts are underway by major organizations to inspire the next generation of scientists. To be effective, there is a need to exploit the potential of the World Wide Web and bring it to a status that printed media have already reached. We find series of theme oriented books for children but websites with such stories are few and scattered. NASA's efforts in generating remote sensing based web stories such as the 'Adventures of Amelia the Pigeon' and 'Echo the Bat' are very good examples and starting points for generating more theme based material for children. 'Alaska: A Bird's Eye View' is a web-based story, specifically designed for grade 5-8 students. The story that is told by a Canada Goose exposes children to the truths of the remote State of Alaska and to the potential of satellite remote sensing. Examples on use remote sensing for monitoring volcanoes and sea ice edge dynamics are related to children in simple and effective ways. The topic of global climate change and its effect on marine animals has also been introduced to children.

  19. 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.

  20. 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…

  1. 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,…

  2. Alaska

    NASA Technical Reports Server (NTRS)

    2002-01-01

    Though it's not quite spring, waters in the Gulf of Alaska (right) appear to be blooming with plant life in this true-color MODIS image from March 4, 2002. East of the Alaska Peninsula (bottom center), blue-green swirls surround Kodiak Island. These colors are the result of light reflecting off chlorophyll and other pigments in tiny marine plants called phytoplankton. The bloom extends southward and clear dividing line can be seen west to east, where the bloom disappears over the deeper waters of the Aleutian Trench. North in Cook Inlet, large amounts of red clay sediment are turning the water brown. To the east, more colorful swirls stretch out from Prince William Sound, and may be a mixture of clay sediment from the Copper River and phytoplankton. Arcing across the top left of the image, the snow-covered Brooks Range towers over Alaska's North Slope. Frozen rivers trace white ribbons across the winter landscape. The mighty Yukon River traverses the entire state, beginning at the right edge of the image (a little way down from the top) running all the way over to the Bering Sea, still locked in ice. In the high-resolution image, the circular, snow-filled calderas of two volcanoes are apparent along the Alaska Peninsula. In Bristol Bay (to the west of the Peninsula) and in a couple of the semi-clear areas in the Bering Sea, it appears that there may be an ice algae bloom along the sharp ice edge (see high resolution image for better details). Ground-based observations from the area have revealed that an under-ice bloom often starts as early as February in this region and then seeds the more typical spring bloom later in the season.

  3. 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…

  4. 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…

  5. Defaults in the Federal Guaranteed Student Loan Programs. Hearing before the Subcommittee on Postsecondary Education of the Committee on Education and Labor, House of Representatives. One Hundredth Congress. Second Session.

    ERIC Educational Resources Information Center

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

    Hearings were conducted to discuss legislation aimed at reducing student loan defaults in the federal Guaranteed Student Loan program. The Student Default Initiative Act of 1988 is designed to address the growing cost of student loan defaults and the increasing imbalance between grant and loan assistance. It develops a procedure to get the…

  6. 3 CFR - Improving Repayment Options for Federal Student Loan Borrowers

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... have had difficulties navigating and completing the IBR application process once they have started it... to difficulty in applying. Therefore, by the authority vested in me as President by the Constitution... students and former students to use in learning about Federal student aid, including an explanation of...

  7. 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

  8. 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

    ... Doc No: 2012-18713] DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid... loans for eligible students to pay the costs of a student's attendance at an eligible institution of... need for institutions to prepare, and students to sign, a promissory note each award year. Dated:...

  9. 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.

  10. 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…

  11. 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…

  12. Student Loan Debt: Trends Affecting the American Dream

    ERIC Educational Resources Information Center

    Greiner, Keith

    2007-01-01

    In recent years, there has been a growing interest in college access and with it, a growing concern about the debt incurred by students. Analysts on all sides suggest a variety of causes and solutions to this very complex problem. This paper presents a collection of informational items that can be seen as both disparate and connected. We can see…

  13. Congress Considers Linking Student-Loan Terms to Income

    ERIC Educational Resources Information Center

    Smith, Lauren

    2007-01-01

    Faced with having to make a decision between the career they want and one that will pay enough for them to climb out of debt, many college students are choosing the latter. This trend has alarmed some observers and has revived interest in an idea once thought to be a relic of the Clinton administration: income-contingent repayment. Legislation…

  14. 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

  15. Alaska Native Students and College Success. ISER Occasional Paper No. 14.

    ERIC Educational Resources Information Center

    Kleinfeld, Judith

    Factors contributing to Native students' college success were examined in a study of 50 Native freshmen and 42 non-Native freshmen at the University of Alaska in the 1973-74 academic year. The study compared students in relation to three common explanations of college success: level of academic preparation, goal orientation, ease in the campus…

  16. Information Processing Patterns of Postsecondary American Indian/Alaska Native Students

    ERIC Educational Resources Information Center

    Aragon, Steven R.

    2004-01-01

    In the last of a three-part series, this study examined the information processing patterns of postsecondary American Indian/Alaska Native students attending community and tribal colleges in the Southwest. Using a survey design, students completed the Kolb Learning Style Inventory, the Briggs and Myers Myers-Briggs Type Indicator, and the Oltman,…

  17. 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…

  18. 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…

  19. 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…

  20. 77 FR 28860 - Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-16

    ... Master Promissory Note SUMMARY: The Federal Perkins Loan Master Promissory Note (MPN) provides the terms... records. Title of Collection: Federal Perkins Loan Program Master Promissory Note. OMB Control...

  1. 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…

  2. 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…

  3. Why Did They Sell My Loan?

    ERIC Educational Resources Information Center

    Clinton, Stephen W.

    1989-01-01

    The use of a student loan secondary market by a lender under the federally guaranteed Stafford Student Loan Program can be a shock to a student unfamiliar with the role secondary markets play. The first student loan secondary market (Student Loan Marketing Association, or Sallie Mae) was created in 1973. (MLW)

  4. 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…

  5. 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…

  6. Cultural Diversity and the Experiences of Alaska Native Nursing Students

    ERIC Educational Resources Information Center

    Gilmon, Margaret E.

    2012-01-01

    The purpose of this ethnonursing research study was to discover, describe, and systematically analyze the care expressions, practices, and patterns of Alaska Native nurses within the context of their nursing school experience. The goals of this study were to identify generic and professional care factors that promote the academic success of Alaska…

  7. 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…

  8. Summer Internship Program for American Indian and Native Alaska College Students

    ScienceCinema

    None

    2016-07-12

    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.

  9. Guidelines on Student Rights and Responsibilities: As Issued by the Alaska Department of Education.

    ERIC Educational Resources Information Center

    Alaska State Dept. of Education, Juneau. Office of Planning and Research.

    This document has four stated purposes: (1) to conform with Alaska state regulations requiring the establishment of guidelines on student rights and responsibilities; (2) to bring forth critical points of law in this area; (3) to provide examples of inappropriate policy; and (4) to provide local school districts with the criteria the state will…

  10. 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…

  11. Summer Internship Program for American Indian and Native Alaska College Students

    SciTech Connect

    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.

  12. 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…

  13. 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…

  14. Access to Student Loans. Hearing before the Subcommittee on Education, Arts and Humanities of the Committee on Labor and Human Resources. United States Senate, Ninety-Eighth Congress, First Session.

    ERIC Educational Resources Information Center

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

    Hearings are presented on the proliferation of interstate guarantee arrangements in the area of student loans, and the effect of such arrangements on student access to loan capital. Topics include: the desirability of establishing territorial monopolies for student loan guarantee agencies, the views of the Higher Education Assistance Foundation…

  15. Study of Selected Educational Institutions and Students Participating in Direct School Lending Under the Federal Insured Student Loan Program: Final Report.

    ERIC Educational Resources Information Center

    Cresap, McCormick, and Paget, Inc., Chicago, IL.

    The results of an evaluation study of selected educational institutions and students participating in direct school lending under the Federal Insured Student Loan Program (FISLP) is presented. Proprietary schools, which as a group have had a history of high default rates, and institutions of higher education, which are becoming the primary…

  16. 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…

  17. Implementations of the Best Practices in Repayment, the Way to Improve Collections of the Due Students' Loans in Tanzania

    ERIC Educational Resources Information Center

    Nyahende, Veronica R.

    2016-01-01

    This study was designed to investigate the influence of the implementation of the best practices in repayment in the pre college preparation, in the in college period and in the after college period (the grace period and repayment) in increasing collections of the due students' loans. The study was geared towards achieving the following…

  18. Other Students Need Money: An Approach to the Administration of Revolving Loan Funds

    ERIC Educational Resources Information Center

    Black, Richard W.

    1977-01-01

    Delinquency rates for rotating loan funds might be reduced if the financial aid officer took charge of loan billing and collection rather than relying on the bursar's office, which is often not as familiar with the loan programs. Methods used at Georgetown University are described. (LBH)

  19. Denali Rocks - An Innovative Geology Module for High School Students at the Alaska Summer Research Academy

    NASA Astrophysics Data System (ADS)

    Shipman, J. S.; Henton, S.; Chebul, E.; White, E.; Johnson, P.; Briggs, D.; Webley, P. W.; Drake, J.

    2011-12-01

    Scientific summer camps give high school students the unique opportunity to interact within the university environment. During July 2011, the Alaska Summer Research Academy (ASRA) provided such an opportunity for over 100 high school students. University of Alaska Fairbanks (UAF) instructors led a two-week long ASRA module, called 'Denali Rocks', where six student participants from across the USA learned the fundamentals of geology and went on a field expedition to Denali National Park and Preserve, with assistance from the National Park Service. The students documented their field experiences through photography and video recordings. For the videos, they were both news reporters and experts in the field. The module educated students in three important aspects of geosciences: natural hazards, natural resources, and the formation of geological landscapes. Students learned about natural hazards in Alaska by visiting two world leading monitoring facilities at UAF. Day excursions as part of the module included the Fort Knox Gold Mine and the Trans-Alaska Pipeline. The students learned how to identify major rock types, their emplacement, and their deposition in the field. They learned how to read topographic and geologic maps as well as how to use a geologic compass to take strike and dip measurements. Students also used technological equipment such as GPS to track the hikes, a Gigapan camera to create panoramic photos, and a handheld Niton X-ray fluorescence spectrometer for compositional analyses. All observations were documented in their field notebooks. By the end of the field camp, the six students were seasoned naturalists. The video and photographic documentation was used in a final presentation to 150 of their peers and instructors in the other ASRA modules. This was in the format of an evening news program complete with anchors, meteorologists, and lighting and camera crews. The students performed all duties during the presentation, and prepared all the footage

  20. Digital Dead Ends along Alaska's Information Highway: Broadband Access for Students and Teachers in Alaska's High School One-to-One Laptop Programs

    ERIC Educational Resources Information Center

    Lloyd, Pamela Jo

    2012-01-01

    This dissertation analyzes the potential impact community broadband availability has on personal and classroom levels of technology adoption for high school students and teachers in Alaska. Community broadband availability was defined as, (a) terrestrial broadband availability; (b) satellite broadband availability; and (c) no broadband available.…

  1. 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…

  2. 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…

  3. Federal Student Loans: Flexible Agreements with Guaranty Agencies Warrant Careful Evaluation. Report to the Honorable James M. Jeffords, U.S. Senate.

    ERIC Educational Resources Information Center

    Ashby, Cornelia M.

    Certain state or not-for-profit agencies guarantee payment to banks and other lending institutions if students fail to repay loans obtained through the Federal Family Education Loan Program. The 1998 amendments to the Higher Education Act authorize the Secretary of Education to enter into voluntary flexible agreements (VFAs) with individual…

  4. Federal Student Loans: Patterns in Tuition, Enrollment, and Federal Stafford Loan Borrowing up to the 2007-08 Loan Limit Increase. GAO-11-470R

    ERIC Educational Resources Information Center

    Scott, George A.

    2011-01-01

    Although a postsecondary education is vitally important to many individuals and the nation's ability to compete globally, high college tuition rates are prompting concerns that it may remain an elusive goal for some. To help students finance their education, Congress recently raised the ceiling on the amount individual students can borrow under…

  5. 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

    ... 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 borrower wishes to consolidate into... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF...

  6. 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

  7. 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.

  8. 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

  9. 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

  10. 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…

  11. Federal Student Loans. Challenges in Estimating Federal Subsidy Costs. Report to Congressional Committees. GAO-05-874

    ERIC Educational Resources Information Center

    Government Accountability Office, 2005

    2005-01-01

    In fiscal year 2004, the federal government made or guaranteed about $84 billion in loans for postsecondary education through two loan programs--the Federal Family Education Loan Program (FFELP) and the Federal Direct Loan Program (FDLP). Under FFELP, private lenders fund the loans and the government guarantees them a minimum yield and repayment…

  12. 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

    ... Loan) Program: Internship/Residency and Loan Debt Burden Forbearance Forms SUMMARY: These forms serve... participation in an eligible internship/residency program, National Guard duty, receiving benefits under the... Loan (Direct Loan) Program: Internship/Residency and Loan Debt Burden Forbearance Forms. OMB...

  13. Gifted and Talented American Indian and Alaska Native Students.

    ERIC Educational Resources Information Center

    Tonemah, Stuart

    Native American tribes have a critical need for effective leadership, which can be found in the brightest of their youth. However, the focus of federal and state Native programs has been to provide remedial education. Historically, Native students at federal boarding schools did not perform at high levels because of low teacher expectations,…

  14. Federal Student Loans: Impact of Loan Limit Increases on College Prices Is Difficult to Discern. Report to Congressional Committees. GAO-14-7

    ERIC Educational Resources Information Center

    Nowicki, Jacqueline M.

    2014-01-01

    For more than a decade, college prices have been rising consistently and have continued to rise at a gradual pace after the Stafford loan limit increases were enacted in 2008 and 2009. However, it is difficult to determine if a direct relationship exists between increases in college prices and the Stafford loan limit increases because of the…

  15. 34 CFR 685.203 - Loan limits.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 4 2012-07-01 2012-07-01 false Loan limits. 685.203 Section 685.203 Education..., DEPARTMENT OF EDUCATION (CONTINUED) WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions § 685.203 Loan limits. (a) Direct Subsidized Loans. (1) In the case of an undergraduate student who has...

  16. 34 CFR 674.12 - Loan maximums.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 3 2012-07-01 2012-07-01 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...

  17. Privatization of Sallie Mae and Connie Lee. Hearing on Examining Proposed Legislation To Allow for an Orderly Transition of the Student Loan Marketing Association (Sallie Mae) to Private Status...and a Proposal to Privatize the College Construction Loan Insurance Association (Connie Lee) before the Subcommittee on Education, Arts and Humanities of the Committee on Labor and Human Resources. United States Senate, One Hundred Fourth Congress, First Session.

    ERIC Educational Resources Information Center

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

    The Subcommittee heard testimony from seven witnesses and statements from three senators on whether or not it is in the Federal Government's best interest to divest itself of the Student Loan Marketing Association (Sallie Mae), and the College Construction Loan Insurance Association (Connie Lee). Lawrence A. Hough of the Student Loan Marketing…

  18. Alaska Problem Resource Manual: Alaska Future Problem Solving Program. Alaska Problem 1985-86.

    ERIC Educational Resources Information Center

    Gorsuch, Marjorie, Ed.

    "Alaska's Image in the Lower 48," is the theme selected by a Blue Ribbon panel of state and national leaders who felt that it was important for students to explore the relationship between Alaska's outside image and the effect of that image on the federal programs/policies that impact Alaska. An overview of Alaska is presented first in…

  19. The Characteristics of Stafford Student Loan Borrowers in Repayment and the Impact of Educational Debt on Personal and Economic Life Decisions: Comparing 1985 and 1991 Data.

    ERIC Educational Resources Information Center

    Boyd, Joseph D.; Wennerdahl, Carol

    This monograph consists, first, of a brief discussion of the methodology of a study comparing repayment of student loans and the impact of educational debt on students' life decisions in 1985 and 1991, and second, of extensive tables, profiles, and appendices which detail the study's findings. A survey was sent to a random sample of approximately…

  20. 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.…

  1. 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…

  2. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel §...

  3. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel §...

  4. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health...

  5. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel §...

  6. 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 §...

  7. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health...

  8. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health...

  9. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health...

  10. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel §...

  11. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health...

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

    ERIC Educational Resources Information Center

    Faircloth, Susan C.; Alcantar, Cynthia M.; Stage, Frances K.

    2014-01-01

    This chapter discusses issues and challenges encountered in using large-scale data sets to study educational experiences and subsequent outcomes for American Indian and Alaska Native (AI/AN) students. In this chapter, we argue that the linguistic and cultural diversity of Native peoples, coupled with the legal and political ways in which education…

  13. Creating a Campus Sustainability Revolving Loan Fund: A Guide for Students

    ERIC Educational Resources Information Center

    Diebolt, Asa; Den Herder-Thomas, Timothy

    2007-01-01

    This publication describes innovative and powerful mechanisms for financing sustainability projects on campus including energy efficiency upgrades and renewable energy installations. The guide provides step-by-step guidance for establishing revolving loan funds for campus sustainability, based on the experiences of the authors in setting up such a…

  14. 31 CFR 560.551 - Student loan payments from persons in Iran authorized.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... Iran authorized. 560.551 Section 560.551 Money and Finance: Treasury Regulations Relating to Money and... payments from persons in Iran authorized. United States depository institutions and private loan companies... payments from persons in Iran or ordinarily resident in Iran....

  15. 31 CFR 560.551 - Student loan payments from persons in Iran authorized.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Iran authorized. 560.551 Section 560.551 Money and Finance: Treasury Regulations Relating to Money and... payments from persons in Iran authorized. United States depository institutions and private loan companies... payments from persons in Iran or ordinarily resident in Iran....

  16. 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…

  17. 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…

  18. 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…

  19. Direct Loans School Guide. A Better Way To Borrow: The William D. Ford Federal Direct Loan Program.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    This publication provides guidance to schools that participate in the Federal Direct Student Loan Program. It provides details on how the Direct Loan Program operates and on Direct Loan policies and procedures. The 12 chapters include: (1) "Overview of the Direct Loan Program"; (2) "Basic Components of Direct Loans"; (3)…

  20. The Utility of Curriculum-Based Measurement within a Multitiered Framework: Establishing Cut Scores as Predictors of Student Performance on the Alaska Standards-Based Assessment

    ERIC Educational Resources Information Center

    Legg, David E.

    2013-01-01

    The purpose of this study was to explore the relationship between student performance on Reading Curriculum-based Measures (R-CBM) and student performance on the Alaska's standards based assessment (SBA) administered to students in Studied School District (SSD) Grade 3 through Grade 5 students in the Studied School District as required by…

  1. 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…

  2. Loan Forgiveness. Classroom Tips

    ERIC Educational Resources Information Center

    American Federation of Teachers (NJ), 2010

    2010-01-01

    Becoming a teacher takes years of higher education and hard work. The financial and personal costs can be great. The good news is that there are more chances than ever for teachers-in-training and new teachers to reduce their financial burden. There are two main ways students can get financial aid: with loans and with grants. Many students take on…

  3. Factors Affecting Student Loan Default Rate at Johnson County Community College: A Multivariate Analysis of Student Loan Default and Repayment between Years 2006 and 2008

    ERIC Educational Resources Information Center

    Butler, Cassandra

    2012-01-01

    This study utilized a quantitative design using archival data from Johnson County Community College (JCCC), located in Johnson County, Kansas, and the Office of Financial Aid for students who graduated, withdrew or dropped out of the college in academic years 2006, 2007 and 2008. Because this study used archival data, we can only show…

  4. Examination of Financial Statements of Student Loan Insurance Fund Fiscal Year 1974. Office of Education, Department of Health, Education, and Welfare. Report to Congress.

    ERIC Educational Resources Information Center

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

    This report, prepared by the Comptroller General of the U.S., is an examination of the fiscal year 1974 financial statements of the Student Loan Insurance Fund (OE), and discusses many problems regarding the fund. One of the most serious is that the records maintained by the Office of Education are not adequate to support the financial statements.…

  5. Better Cash Management Can Reduce the Cost of the National Direct Student Loan Program. Report to the Congress by the Comptroller General of the United States.

    ERIC Educational Resources Information Center

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

    The Office of Education has allowed schools participating in the National Direct Student Loan Program to hold more than an annual average of $63 million in federal funds in excess of their 30-day needs. The General Accounting Office estimates that if the Treasury had this money it could save the government interest costs of as much as $4 million,…

  6. Guaranteed Student Loan Information System Needs a Thorough Redesign to Account for the Expenditure of Billions. Report by the U.S. General Accounting Office.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

    The adequacy of the Department of Education's automated information system for the Guaranteed Student Loan Program was assessed. The review conducted by the U.S. General Accounting Office focused on the department's efforts and plans to correct system deficiencies, the reasonableness and propriety of major system costs incurred, and the…

  7. Student Loan Marketing Association Financial Safety and Soundness Act of 1991. 102d Congress, 1st Session. Report To Accompany S. 1915.

    ERIC Educational Resources Information Center

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

    This document is a favorable report to the U.S. Senate on a bill that provides for the financial security of the Student Loan Marketing Association, an act which amends the Higher Education Act of 1965. The report urges the passage of this bill which sets forth various capital levels that safeguard the government from the possibility of loss…

  8. Behind Each Outstanding Teacher: An Analysis of the Teacher Tribute Award Nominations for the Student Loan Marketing Association, 1988-89.

    ERIC Educational Resources Information Center

    Saxe, Richard W.

    Research assesses the attitudinal factors that characterize outstanding first-year elementary and secondary school teachers as nominated by their superintendents and judged for the Student Loan Marketing Association (Sallie Mae) by a panel of experts selected by the American Association of School Administrators. Sallie Mae nomination forms…

  9. Direct Government Lending: The Bottom Line. A Critique of GAO's Report on Guaranteed Student Loans versus Direct Lending and Revised Savings Estimates.

    ERIC Educational Resources Information Center

    Quick, Perry D.

    This report addresses the dollar savings described in the Government Accounting Office's (GAO) report supporting direct lending as opposed to the present guaranteed student loan program. The critique explains the changes in the GAO model assumptions and projections that are believed necessary to move from the original $4.8 billion savings to a…

  10. Secondary Market Activities of the Student Loan Marketing Association. Report to the Committee on Labor and Human Resources, United States Senate.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

    Lending and secondary market activities of the Student Loan Marketing Association (Sallie Mae) since it began operations in 1973 were reviewed. Specific areas of review were: the Association's legislative development and financial activities, its profitability compared to commercial banks and other government-sponsored enterprises that provide…

  11. 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

  12. 42 CFR 23.23 - Who is eligible to receive a private practice option loan?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... arrears 31 days or more on a Health Professions Student Loan (42 U.S.C. 294m et seq.), Health Education Assistance Loan (42 U.S.C. 294, et seq.), Nursing Student Loan (42 U.S.C. 297a et seq.), or any other Federally guaranteed or direct student loan are ineligible for this loan program. (c) NHSC...

  13. 42 CFR 23.23 - Who is eligible to receive a private practice option loan?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... arrears 31 days or more on a Health Professions Student Loan (42 U.S.C. 294m et seq.), Health Education Assistance Loan (42 U.S.C. 294, et seq.), Nursing Student Loan (42 U.S.C. 297a et seq.), or any other Federally guaranteed or direct student loan are ineligible for this loan program. (c) NHSC...

  14. 42 CFR 23.23 - Who is eligible to receive a private practice option loan?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... arrears 31 days or more on a Health Professions Student Loan (42 U.S.C. 294m et seq.), Health Education Assistance Loan (42 U.S.C. 294, et seq.), Nursing Student Loan (42 U.S.C. 297a et seq.), or any other Federally guaranteed or direct student loan are ineligible for this loan program. (c) NHSC...

  15. 42 CFR 23.23 - Who is eligible to receive a private practice option loan?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... arrears 31 days or more on a Health Professions Student Loan (42 U.S.C. 294m et seq.), Health Education Assistance Loan (42 U.S.C. 294, et seq.), Nursing Student Loan (42 U.S.C. 297a et seq.), or any other Federally guaranteed or direct student loan are ineligible for this loan program. (c) NHSC...

  16. 42 CFR 23.23 - Who is eligible to receive a private practice option loan?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... arrears 31 days or more on a Health Professions Student Loan (42 U.S.C. 294m et seq.), Health Education Assistance Loan (42 U.S.C. 294, et seq.), Nursing Student Loan (42 U.S.C. 297a et seq.), or any other Federally guaranteed or direct student loan are ineligible for this loan program. (c) NHSC...

  17. 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

    ... Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL) Programs may request deferment... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION... or mailed to U.S. Department of Education, 400 Maryland Avenue SW., LBJ, Washington, DC...

  18. 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.

  19. 42 CFR 57.210 - Repayment and collection of health professions student loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... student ceases to be a full-time student. (1) If a borrower reenters the same or another school as a full-time student within the 1-year period, the date upon which interest will accrue and the repayment period will begin will be determined by the date on which the student last ceases to be a...

  20. 34 CFR 685.301 - Origination of a loan by a Direct Loan Program school.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... loan proceeds. (3) Before originating a Direct PLUS Loan for a graduate or professional student... eligible, the school must— (i) Notify the graduate or professional student borrower of the maximum Direct... repayment, and the point at which a Direct PLUS Loan enters repayment; and (ii) Give the graduate...

  1. 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;…

  2. 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…

  3. 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.

  4. What the World Needs Now: Cross-National Student Loan Programs

    ERIC Educational Resources Information Center

    Parker, Thomas D.

    2006-01-01

    New England institutions have long been in the forefront of recruiting foreign students. Recently, the numbers of foreign students studying in the United States has declined partly as a result of visa problems, widespread perceptions that the United States no longer welcomes foreign students and increasing anti-Americanism abroad. The primary…

  5. The Effects of the Federal Work-Study Program on Student Persistence and Accrued Loan Debt

    ERIC Educational Resources Information Center

    Carter, Ronatta Daphne

    2012-01-01

    This study examined the impact of participation and non-participation in a federal work-study (FWS) program on student persistence and accrued student debt for undergraduate students enrolled in a small, public, four-year, liberal arts college in the South. Sanford's (1967) theory of Challenge and Support and Tinto's (1986) Integration Model were…

  6. 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

  7. Do No-Loan Policies Change the Matriculation Patterns of Low-Income Students?

    ERIC Educational Resources Information Center

    Waddell, Glen R.; Singell, Larry D., Jr.

    2011-01-01

    We examine whether there is discernable variation in the matriculation patterns of low-income students at public flagship institutions around changes in institutional financial-aid policies that target resident, low-income students with need-based aid. Overall, our results suggests that need is not being met on the extensive margin and that…

  8. Public Costs, Relative Subsidies, and Repayment Burdens of Federal US Student Loan Plans: Lessons for Reform

    ERIC Educational Resources Information Center

    Hauser, Daniel C.; Johnston, Alison

    2016-01-01

    American students graduate from college with tens of thousands of dollars in debt, leading to substantial repayment burdens and potentially inefficient shifts in spending patterns and career choices. A political trend towards austerity coupled with the rising student debt make the effective allocation of federal higher education resources and…

  9. Important Insights on College Choice and the Burden of Student-Loan Debt

    ERIC Educational Resources Information Center

    Baylor, Elizabeth; Murray, Olivia

    2014-01-01

    Completing higher education after high school continues to be the most reliable way for Americans to expand their economic opportunity. Students gain skills that not only let them achieve a secure economic future, but also allow them to experience fulfilling professional opportunities. For many students and families, this means taking on debt to…

  10. The Influence of Institutional Culture on Institutional Choice and Post-Freshman Persistence of American Indian/Alaska Native Students at a Bible College.

    ERIC Educational Resources Information Center

    Saggio, Joseph J.

    This study examined American Indian and Alaska Native students' college choice and persistence beyond the freshman year at American Indian College. Focus groups and interviews were conducted with 29 students from 18 tribes attending American Indian College, a very small Bible college affiliated with the Assemblies of God and located in Phoenix,…

  11. National Indian Education Study. Part II: The Educational Experiences of Fourth- and Eighth-Grade American Indian and Alaska Native Students. Statistical Analysis Report. NCES 2007-454

    ERIC Educational Resources Information Center

    Stancavage, Frances B.; Mitchell, Julia H.; de Mello, Victor Bandeira; Gaertner, Freya E.; Spain, Angeline K.; Rahal, Michelle L.

    2006-01-01

    This report presents results from a national survey, conducted in 2005, that examined the educational experiences of American Indian/Alaska Native (AI/AN) students in grades 4 and 8, with particular emphasis on the integration of native language and culture into school and classroom activities. Students, teachers, and school principals all…

  12. Strengthening the Federal Student Loan Program for Borrowers. Hearing of the Committee on Health, Education, Labor, and Pensions, United States Senate, One Hundred Thirteenth Congress, Second Session on Examining Strengthening the Federal Student Loan Program for Borrowers (March 27, 2014). Senate Hearing 113-829

    ERIC Educational Resources Information Center

    US Senate, 2016

    2016-01-01

    This hearing represents the eighth in the series of Committee on Health, Education, Labor, and Pensions' hearings preparing to reauthorize the Higher Education Act. The primary focus of this hearing is strengthening Federal loan programs to ensure they are working well for students and families. Statements from the following committee members are…

  13. Student Loan Program Simplification: Interim Recommendations. A Report to the Congress of the United States and the Secretary of Education.

    ERIC Educational Resources Information Center

    Advisory Committee on Student Financial Assistance, Washington, DC.

    This advisory report investigates the possible simplification of the Federal Family Education Loan Program (FFELP) and considers the issue of federal direct lending. The evaluation indicates that complexity in the FFELP is due to multiple, overlapping loan programs with conflicting terms and conditions. Nonstandard policies, procedures, forms, and…

  14. Guaranteed Student Loans: Profits of Secondary Market Lenders Vary Widely. United States General Accounting Office Briefing Report to Congressional Requesters.

    ERIC Educational Resources Information Center

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

    This report was prepared to determine lenders' rates of return or profitability on Stafford loans in their portfolios, reasons for varying levels of profitability among institutions that hold such loans, and the effect of 1986 subsidy reductions on these lenders' profitability. The study focused on the activities of lenders that purchase Stafford…

  15. 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

  16. 42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for...

  17. 42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for...

  18. 42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for...

  19. 42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for...

  20. 42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for...

  1. Let's Kick the Lenders out of the Student-Loan System

    ERIC Educational Resources Information Center

    Wolfston, Jim

    2009-01-01

    College officials worry that too many of their peers use merit aid to "buy" students whose test scores will burnish their institutions' rankings in "U.S. News & World Report." In fact, the debate about financial aid on today's campuses has led to the near vilification of merit aid. The lament is that money is often diverted…

  2. Critical Choices: How Colleges Can Help Students and Families Make Better Decisions about Private Loans

    ERIC Educational Resources Information Center

    Reed, Matthew

    2011-01-01

    Every year millions of students and families sit around their kitchen tables and grapple with how they are going to pay for college. All too often they approach what may be the most important financial decision of their lives armed with incomplete, confusing, or inaccurate information about their options. College financial aid offices have a…

  3. The "Gainful Employment Rule" and Student Loan Defaults: How the Policy Frame Overlooks Important Normative Implications

    ERIC Educational Resources Information Center

    Serna, Gabriel

    2014-01-01

    This essay examines normative aspects of the gainful employment rule and how the policy frame and image miss important implications for student aid policy. Because the economic and social burdens associated with the policy are typically borne by certain socioeconomic and ethnic groups, the policy frame and image do not identify possible negative…

  4. Managing and Collecting Student Accounts and Loans: A Desk Reference for Educational Receivables Stewardship

    ERIC Educational Resources Information Center

    Glezerman, David R.; DeSantis, Dennis

    2008-01-01

    This handy desk reference will help readers and their institutions develop and maintain a professional environment that will maximize efficiencies and provide the necessary skills to properly manage operations and portfolios while ensuring that students receive fair and equitable service and opportunities. Written for business officers, financial…

  5. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT... collection techniques that are equally or more effective, but only after they have demonstrated the effectiveness of the techniques and obtained written approval from the Secretary. (2) Late charge. (i) For...

  6. Student Loan Debt Levels and Their Implications for Borrowers, Society, and the Economy

    ERIC Educational Resources Information Center

    Cornelius, Luke M.; Frank, Sharon A.

    2015-01-01

    Upward mobility is a prized aspect of the American dream based upon the belief that those from humble origins can climb the socioeconomic ladder through education and hard work. Increasingly, postsecondary education is an essential component of that dream. However, many students, particularly those from low to moderate income families, find it…

  7. The Hungarian Student Loan Scheme: Six Years of Financing Access to Higher Education

    ERIC Educational Resources Information Center

    Ferreira, M. Luisa; Farkas, Erika

    2009-01-01

    Hungary's higher education system has been going through a gradual shift from an elite to a mass system: enrolment has surged in recent decades. There is growing pressure on financing, with rising costs, limited public funding and an increasing student population. In parallel, there is a growing recognition that an important part of the benefits…

  8. Alaska Performance Scholarship Outcome Report 2015

    ERIC Educational Resources Information Center

    Rae, Brian

    2015-01-01

    The Alaska Performance Scholarship was established in state law in 2011 and first offered to Alaska high school graduates beginning with the class of 2011. Described as "an invitation to excellence" to Alaska's high school students, its goal was to inspire students to push themselves academically in areas that correlate to success in…

  9. 34 CFR 685.100 - The William D. Ford Federal Direct Loan Program.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Unsubsidized Stafford/Ford Loan Program, the Federal Direct PLUS Program, and the Federal Direct Consolidation... interest that accrues during any period. (3) Federal Direct PLUS Program, which provides loans to parents... Subsidized Loan, a Direct Unsubsidized Loan, or a Direct PLUS Loan only to a student or a parent of a...

  10. Characteristics of Stafford Loan Program Defaulters: A National Sample.

    ERIC Educational Resources Information Center

    Beanblossom, Gary F.; Rodriguez, Blanca Rosa

    This study examined characteristics differentiating defaulters on Stafford student loans (formerly Guaranteed Student Loans) from non-defaulters. Data were drawn from a sample of 100,000 records randomly selected from the fiscal year 1987 guarantee agency cumulative borrower file. A cohort of 7,382 borrowers taking out their last loan in FY 1983…

  11. Social and Emotional Distress among American Indian and Alaska Native Students: Research Findings. ERIC Digest.

    ERIC Educational Resources Information Center

    Clarke, Ardy SixKiller

    Many American Indian and Alaska Native (AI/AN) youth are repeatedly exposed to opportunities to participate in self-destructive and illegal behaviors. This digest examines risk factors associated with four contexts: peers, family, school, and community. Recent research has shown that, relative to national averages, AI/AN youth have higher rates of…

  12. College Pride, Native Pride: A Portrait of a Culturally Grounded Precollege Access Program for American Indian, Alaska Native, and Native Hawaiian Students

    ERIC Educational Resources Information Center

    Keene, Adrienne J.

    2016-01-01

    In this article Adrienne J. Keene employs the portraiture methodology to explore the story of College Horizons. She examines this precollege access program for American Indian, Alaska Native, and Native Hawaiian students to understand how a program rooted in Native cultures and identities can not only provide a space to create knowledge…

  13. National Indian Education Study 2011: The Educational Experiences of American Indian and Alaska Native Students at Grades 4 and 8. NCES 2012-466

    ERIC Educational Resources Information Center

    National Center for Education Statistics, 2012

    2012-01-01

    Since 2005, the National Indian Education Study (NIES) has provided educators, policymakers, and the public with information about the background and academic performance of fourth- and eighth-grade American Indian and Alaska Native (AI/AN) students in the United States. NIES was administered in 2005, 2007, 2009, and 2011 as part of the National…

  14. 34 CFR 685.203 - Loan limits.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... independent undergraduate student, a graduate or professional student, or certain dependent undergraduate... Unsubsidized Loans. (1)(i) An independent undergraduate student, graduate or professional student, and certain... who is not a graduate or professional student, the total amount the student may borrow for...

  15. 76 FR 61985 - Fishing Capacity Reduction Program for the Southeast Alaska Purse Seine Salmon Fishery

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-06

    ... Program for the Southeast Alaska Purse Seine Salmon Fishery AGENCY: National Marine Fisheries Service... industry fee system to repay a $23,476,500 loan for the Southeast Alaska Purse Seine Salmon Fishery... Paul Marx, Chief, Financial Services Division, NMFS, Attn.: SE Alaska Purse Seine Salmon...

  16. Loan Counseling: Requirements and Good Practice. NASFAA Monograph Series Number VI.

    ERIC Educational Resources Information Center

    Bletzinger, Ruth Beer

    Background and legal requirements for disclosure and counseling of students receiving loans under the federal student loan programs are discussed. A definition of loan counseling, a decision-making model for creating an institutional program, and information on loan consolidation are provided. Following introductory and background sections, the…

  17. 34 CFR 685.101 - Participation in the Direct Loan Program.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... § 685.101 Participation in the Direct Loan Program. (a)(1) Colleges, universities, graduate and... the Direct Loan Program. Participation in the Direct Loan Program enables an eligible student or parent to obtain a loan to pay for the student's cost of attendance at the school. (2) The Secretary...

  18. 'Nuna', an Earth Science summer camp for rural Alaska middle-school students

    NASA Astrophysics Data System (ADS)

    Gusmeroli, A.; Sturm, R. S.; Burnett, G.; Kopplin, M.; Sparrow, E. B.

    2013-12-01

    Summer camps are a powerful way for scientists to reach out to their communities, share the passion for their research and inspire young talents, who one day may become educators or researchers. In Alaska there is a profound contrast between world leading research institutions located in urban centers, and the geographically remote rural communities, typically underexposed to inspiring scholarly activities. In order to connect the two worlds, in Summer 2013 we initiated 'Nuna', a summer camp in Earth Science for middle-school villagers of the North Slope Borough in Arctic Alaska. The camp was made possible by collaboration between the Ilisagvik College and the University of Alaska Fairbanks. Ten youths from different villages participated in the camp and, led by a professional scientist, engaged in science activities. Most of the activities were inspired by the 'Polar Science and Global Climate' handbook, an International Polar Year resource for education and outreach. In this presentation we share our experience with the goal to inspire dedicated scientists to engage in science outreach activities with resource-poor rural communities.

  19. 7 CFR 1751.103 - Loan and loan advance requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 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...

  20. 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...

  1. 7 CFR 1751.103 - Loan and loan advance requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 11 2012-01-01 2012-01-01 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...

  2. 7 CFR 1751.103 - Loan and loan advance requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 11 2013-01-01 2013-01-01 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...

  3. 42 CFR 417.937 - Loan and loan guarantee provisions.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 3 2011-10-01 2011-10-01 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...

  4. 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)

  5. Student Loan Affordability Act

    THOMAS, 113th Congress

    Sen. Reed, Jack [D-RI

    2013-05-14

    06/06/2013 Cloture on the motion to proceed to measure not invoked in Senate by Yea-Nay Vote. 51 - 46. Record Vote Number: 143. (consideration: CR S3977-3978) (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  6. 34 CFR 685.300 - Agreements between an eligible school and the Secretary for participation in the Direct Loan...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... means that eligible students at the school may receive Direct Loans. To participate in the Direct Loan... expected family contribution of the student for that year; (3) Certify that the amount of the loan for any student under part D of the Act is not in excess of the annual limit applicable for that loan program...

  7. 34 CFR 685.300 - Agreements between an eligible school and the Secretary for participation in the Direct Loan...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... means that eligible students at the school may receive Direct Loans. To participate in the Direct Loan... expected family contribution of the student for that year; (3) Certify that the amount of the loan for any student under part D of the Act is not in excess of the annual limit applicable for that loan program...

  8. 34 CFR 685.300 - Agreements between an eligible school and the Secretary for participation in the Direct Loan...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... means that eligible students at the school may receive Direct Loans. To participate in the Direct Loan... expected family contribution of the student for that year; (3) Certify that the amount of the loan for any student under part D of the Act is not in excess of the annual limit applicable for that loan program...

  9. 34 CFR 685.300 - Agreements between an eligible school and the Secretary for participation in the Direct Loan...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... means that eligible students at the school may receive Direct Loans. To participate in the Direct Loan... expected family contribution of the student for that year; (3) Certify that the amount of the loan for any student under part D of the Act is not in excess of the annual limit applicable for that loan program...

  10. Perceptions, barriers, and suggestions for creation of a tobacco and health website among American Indian/Alaska Native college students.

    PubMed

    Filippi, Melissa K; McCloskey, Charlotte; Williams, Chandler; Bull, Julia White; Choi, Won S; Greiner, K Allen; Daley, Christine M

    2013-06-01

    Information concerning American Indian/Alaska Native (AI/AN) Internet use and health information needs is dearth. Our research team explored Internet use among AI/AN college students to determine Internet use in relation to health information seeking behaviors. We used a tobacco site example for participants to describe what they desired in a health site designed specifically for AI/AN. Using a community-based participatory research approach, we conducted 14 focus groups with AI/AN college students (N = 108), to better understand their perceptions of and attitudes toward Internet use and health information needs. Daily Internet use was reported across strata yet health topics investigated differed among groups. Participants in all strata desired a health website that was easy to navigate and interactive. Respectful representation of Native culture was a concern, yet no consensus was reached for a multi-tribal audience. Participants felt a website should use caution with cultural depictions due to the possible misinterpretation. Overall, participants agreed that recreational and traditional tobacco use should be differentiated and the variation of traditional use among tribes acknowledged. Data concerning Internet use for health information among AI/AN college students are needed to establish baseline indicators to effectively address disparities.

  11. 42 CFR 57.1518 - Modification of loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Modification of loans. 57.1518 Section 57.1518 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  12. 42 CFR 57.1512 - Length and maturity of loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Length and maturity of loans. 57.1512 Section 57.1512 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  13. 42 CFR 57.1518 - Modification of loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Modification of loans. 57.1518 Section 57.1518 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  14. 42 CFR 57.1518 - Modification of loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Modification of loans. 57.1518 Section 57.1518 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  15. 42 CFR 57.1512 - Length and maturity of loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Length and maturity of loans. 57.1512 Section 57.1512 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  16. 42 CFR 57.1518 - Modification of loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Modification of loans. 57.1518 Section 57.1518 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  17. 42 CFR 57.1512 - Length and maturity of loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Length and maturity of loans. 57.1512 Section 57.1512 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  18. 42 CFR 57.1512 - Length and maturity of loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Length and maturity of loans. 57.1512 Section 57.1512 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  19. 42 CFR 57.1512 - Length and maturity of loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Length and maturity of loans. 57.1512 Section 57.1512 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  20. 42 CFR 57.1518 - Modification of loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Modification of loans. 57.1518 Section 57.1518 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan...

  1. 42 CFR 60.33 - Making a HEAL loan.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... explanation to a borrower of his or her responsibilities under the loan, the execution of the promissory note... deferment activity. (b) Approval of borrower. A lender may make a HEAL loan only to an eligible student or... responsibility of the loan applicant to assure that the lender has received each such letter. The absence of...

  2. 42 CFR 60.33 - Making a HEAL loan.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... explanation to a borrower of his or her responsibilities under the loan, the execution of the promissory note... deferment activity. (b) Approval of borrower. A lender may make a HEAL loan only to an eligible student or... responsibility of the loan applicant to assure that the lender has received each such letter. The absence of...

  3. 42 CFR 60.33 - Making a HEAL loan.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... explanation to a borrower of his or her responsibilities under the loan, the execution of the promissory note... deferment activity. (b) Approval of borrower. A lender may make a HEAL loan only to an eligible student or... responsibility of the loan applicant to assure that the lender has received each such letter. The absence of...

  4. 42 CFR 60.33 - Making a HEAL loan.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... explanation to a borrower of his or her responsibilities under the loan, the execution of the promissory note... deferment activity. (b) Approval of borrower. A lender may make a HEAL loan only to an eligible student or... responsibility of the loan applicant to assure that the lender has received each such letter. The absence of...

  5. 42 CFR 60.33 - Making a HEAL loan.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... explanation to a borrower of his or her responsibilities under the loan, the execution of the promissory note... deferment activity. (b) Approval of borrower. A lender may make a HEAL loan only to an eligible student or... responsibility of the loan applicant to assure that the lender has received each such letter. The absence of...

  6. 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…

  7. Engaging the Athabascan Native American students of Venetie, Alaska in the auroral research occurring over their village

    NASA Astrophysics Data System (ADS)

    Michell, R. G.; Powell, D.; Samara, M.; Jahn, J.; Pfeifer, M.; Ibarra, S.; Hampton, D. L.

    2012-12-01

    During February 2012, an optical auroral obversing campaign was conducted from the remote village of Venetie, located in North-central Alaska. The approximately 200 people in the village of are mostly Gwich'in Athabaskan. Venetie is in a unique location in that it is one of the only villages that has sounding rockets launched directly over it. While there for the research campaign of approximately one week, I spent several days meeting with and talking to the students about the auroral research that occurs literaly over their village. The John Fredson School in Venetie is a K-12 school and I was able to talk with all of the classes. They were very receptive and interested in science, but have very limited connectivity with the rest of the world, even with a slow internet connection at the school. Their perspective about the aurora is completely different, for them, the aurora is a nearly everyday experience in the winter and therefore they do not think much of it, much like students in the lower 48 would think of clouds. Using the internet, we were able to connect the 4th and 5th grade students in Venetie (through Skype) with a group of 4th and 5th grade students at Sunshine Cottage School for Deaf Children in San Antonio, TX. This was very successful on both ends and resulted in many ideas for future activities. We will discuss the experiences from this trip and the lessons learned for conducting K-12 outreach in such remote schools.; Dr. Michell presenting to the students in Venetie, AK. ; Tribal office building in Venetie, AK, with the aurora overhead.

  8. National Indian Education Study, 2007. Part II: The Educational Experiences of American Indian and Alaska Native Students in Grades 4 and 8. Statistical Analysis Report. NCES 2008-458

    ERIC Educational Resources Information Center

    Moran, R.; Rampey, B.

    2008-01-01

    This report presents information about the educational, home, and community experiences of American Indian and Alaska Native (AI/AN) fourth- and eighth-grade students that was collected during the National Indian Education Study (NIES) of 2007. AI/AN students represent about 1 percent of the student population in the United States. Approximately…

  9. 42 CFR 417.937 - Loan and loan guarantee provisions.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 3 2012-10-01 2012-10-01 false Loan and loan guarantee provisions. 417.937 Section... PLANS, AND 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...

  10. 42 CFR 417.937 - Loan and loan guarantee provisions.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 3 2013-10-01 2013-10-01 false Loan and loan guarantee provisions. 417.937 Section... PLANS, AND 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...

  11. 7 CFR 1738.251 - Loan offer and loan closing.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 11 2013-01-01 2013-01-01 false Loan offer and loan closing. 1738.251 Section 1738..., DEPARTMENT OF AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Closing, Servicing, and Reporting § 1738.251 Loan offer and loan closing. The Agency will notify the applicant of the loan offer,...

  12. 7 CFR 1738.251 - Loan offer and loan closing.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 11 2012-01-01 2012-01-01 false Loan offer and loan closing. 1738.251 Section 1738..., DEPARTMENT OF AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Closing, Servicing, and Reporting § 1738.251 Loan offer and loan closing. The Agency will notify the applicant of the loan offer,...

  13. Tax Refund Offset Program for Delinquent Student Loans and Child Support Payments. Hearing before the Subcommittee on Oversight of the Internal Revenue Service of the Committee on Finance. United States Senate, Ninety-Eighth Congress, First Session on S. 150.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. Senate Committee on Finance.

    This document contains administrative and public witness testimony and prepared statements from the Congressional hearing on the tax refund offset program. Descriptions of the child support enforcement program and of S. 150 (the Collection of Student Loans in Default Act of 1983) are presented. The testimony and prepared statements by…

  14. High Risks and Emerging Fraud: IRS, Student Loans, and HUD. Hearing before the Committee on Governmental Affairs. United States Senate, One Hundred Third Congress, Second Session (July 19, 1994).

    ERIC Educational Resources Information Center

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

    These hearing transcripts present testimony on the high risks and emerging fraud in several areas of the federal government, including the Student Loan Program of the Education Department (ED), the Multifamily Housing Program of the Department of Housing and Urban Development (HUD), and Internal Revenue Service (IRS) tax return filing. Testimony…

  15. Oversight of Student Loan Marketing Association (Sallie Mae). 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.

    ERIC Educational Resources Information Center

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

    Hearings concerning the activities of the Student Loan Marketing Association (Sallie Mae) are presented. Attention is focused on a request for an exemption under federal priority for recovering money owed the Association in the event that it files for liquidation or reorganization in the future under the Bankruptcy Act. It is noted that two goals…

  16. Department of Education's Student Loan Programs: Are Tax Dollars at Risk? Hearing before the Subcommittee on Criminal Justice, Drug Policy, and Human Resources of the Committee on Government Reform. House of Representatives, One Hundred Sixth Congress, First Session.

    ERIC Educational Resources Information Center

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

    This hearing was held to consider whether the student loan programs of the Department of Education place tax dollars at risk. In his opening remarks, Representative John L. Mica (Florida) pointed out that for nearly 10 years, the U.S. General Accounting Office has labeled these programs as a high risk for fraud, waste, abuse, and mismanagement. In…

  17. Extending a Blended Education Program to Native American High School Students in Alaska

    PubMed Central

    Locatis, Craig; Gaines, Cynthia; Liu, Wei-Li; Gill, Michael

    2009-01-01

    This article describes the expansion of a blended learning program sponsored by the National Library of Medicine (NLM) that combines synchronous distance learning with face to face instruction. Background information about the program is briefly discussed and challenges to expanding the program are presented. The expansion was not merely a matter of adding a school. It involved close coordination between the NLM, existing participants and those at the candidate school. The challenges included identifying a candidate school, establishing contact and determining interest, assessing and testing connectivity, developing a calendar and schedule, and identifying faculty. Since NLM is on the east coast, the current school was on the west coast, and the candidate school was in Alaska, all of challenges were compounded by enormous distances and differences in time, but all were resolved successfully. PMID:21494418

  18. Mathematics and Science Curricula in Elementary and Secondary Education for American Indian and Alaska Native Students.

    ERIC Educational Resources Information Center

    Preston, Vera

    Issues related to the improvement of mathematics and science education pertain to Native students as well as to the general population. Native students are most successful at tasks that use visual and spatial abilities and that involve simultaneous processing. Instruction should build on Native students' strengths. Experiential learning and…

  19. Cultural Identity, Multicultural Competence and Resilience: A Pilot Study of Alaska Native Students' Experience at University

    ERIC Educational Resources Information Center

    Wexler, Lisa; Burke, Tracey Kathleen

    2011-01-01

    Scholars and university administrators have noted significant disparities in the rates at which Native students graduate from college in a timely manner relative to students from other racial/ethnic groups. It has been posited that this is because in order to succeed, Native students must negotiate the contradictory values of Western and Native…

  20. Outdoor Survival Training for Alaska's Youth. Instructor Manual and Student Manual.

    ERIC Educational Resources Information Center

    Garza, Dolly

    This document consists of illustrated instructor and student manuals developed to teach children outdoor survival skills. The curriculum was prepared for students in grades 5-7, but can be adapted to any grade level. The goal of the training is to increase students' chances of survival if they find themselves in emergency situations while boating,…

  1. College and Trade-School Officials Raise Questions about U.S. Plan to Reduce Loan-Default Rates.

    ERIC Educational Resources Information Center

    Wilson, Robin

    1989-01-01

    The Education Department's calculation of student loan default rates is disputed. New Education Department regulations will strip federal loan money from students attending schools where large numbers of former students have defaulted. (MLW)

  2. 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

  3. Bush Physics for the 21st Century, A Distance Delivery Physics Course Targeting Students in Rural Alaska and Across the North

    NASA Astrophysics Data System (ADS)

    Solie, D. J.; Spencer, V. K.

    2010-12-01

    Bush Physics for the 21st Century brings physics that is engaging to modern youth, and mathematically rigorous, to high school and college students in the remote and often road-less villages of Alaska where the opportunity to take a physics course has been nearly nonexistent. The primary goal of the course is to prepare rural (predominantly Alaska Native) students for success in university science and engineering degree programs and ultimately STEM careers. The course is delivered via video conference and web based electronic blackboard tailored to the needs of remote students. Kinetic, practical and culturally relevant place-based examples from traditional and modern northern life are used to engage students, and a rigorous and mathematical focus is stressed to strengthen problem solving skills. Simple hands-on-lab experiment kits are shipped to the students. In addition students conduct a Collaborative Research Experiment where they coordinate times of sun angle measurements with teams in other villages to determine their latitude and longitude as well as an estimate of the circumference of the earth. Connecting abstract mathematical symbols and equations to real physical objects and problems is one of the most difficult things to master in physics. We introduce Inuktitut symbols to complement the traditional Greek symbols in equations to strengthen the visual/conceptual connection with symbol and encourage an indigenous connection to the physical concepts. Results and observations from the first three pilot semesters (spring 2008, 2009 and 2010) will be presented.

  4. Alaska Mathematics Standards

    ERIC Educational Resources Information Center

    Alaska Department of Education & Early Development, 2012

    2012-01-01

    High academic standards are an important first step in ensuring that all Alaska's students have the tools they need for success. These standards reflect the collaborative work of Alaskan educators and national experts from the nonprofit National Center for the Improvement of Educational Assessment. Further, they are informed by public comments.…

  5. Connecting Mentoring to Student Achievement in Alaska: Results and Policy Implications

    ERIC Educational Resources Information Center

    Adams, Barbara L.

    2010-01-01

    Using hierarchical linear modeling, student standardized test scores are analyzed to determine the impact of mentoring first- and second-year teachers on their students' achievement. The contrasting group used for comparison consists of experienced teachers in matched schools, grade level, and content area. The study contains data from 300…

  6. Alaska Is Our Home--Book 2: A Natural Science Handbook for Alaskan Students.

    ERIC Educational Resources Information Center

    Bury, John; Bury, Susan

    A natural science resource booklet for teachers and students contains detailed materials for teaching and learning about Alaskan wildlife. Each of nine chapters provides background subject information, suggested learning activities, tear-out pages of review questions for students to answer, and supplementary notes for teachers which include…

  7. 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,…

  8. UNIT, ALASKA.

    ERIC Educational Resources Information Center

    Louisiana Arts and Science Center, Baton Rouge.

    THE UNIT DESCRIBED IN THIS BOOKLET DEALS WITH THE GEOGRAPHY OF ALASKA. THE UNIT IS PRESENTED IN OUTLINE FORM. THE FIRST SECTION DEALS PRINCIPALLY WITH THE PHYSICAL GEOGRAPHY OF ALASKA. DISCUSSED ARE (1) THE SIZE, (2) THE MAJOR LAND REGIONS, (3) THE MOUNTAINS, VOLCANOES, GLACIERS, AND RIVERS, (4) THE NATURAL RESOURCES, AND (5) THE CLIMATE. THE…

  9. 42 CFR 60.38 - Assignment of a HEAL loan.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... assigned except to another HEAL lender, the Student Loan Marketing Association (popularly known as “Sallie Mae”), or a public entity in the business of purchasing student loans, and except as provided in § 60... statement of all the borrower's rights and responsibilities which arise from the assignment of the...

  10. 42 CFR 60.38 - Assignment of a HEAL loan.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... assigned except to another HEAL lender, the Student Loan Marketing Association (popularly known as “Sallie Mae”), or a public entity in the business of purchasing student loans, and except as provided in § 60... statement of all the borrower's rights and responsibilities which arise from the assignment of the...

  11. 42 CFR 60.38 - Assignment of a HEAL loan.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... assigned except to another HEAL lender, the Student Loan Marketing Association (popularly known as “Sallie Mae”), or a public entity in the business of purchasing student loans, and except as provided in § 60... statement of all the borrower's rights and responsibilities which arise from the assignment of the...

  12. 42 CFR 60.38 - Assignment of a HEAL loan.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... assigned except to another HEAL lender, the Student Loan Marketing Association (popularly known as “Sallie Mae”), or a public entity in the business of purchasing student loans, and except as provided in § 60... statement of all the borrower's rights and responsibilities which arise from the assignment of the...

  13. 42 CFR 60.38 - Assignment of a HEAL loan.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... assigned except to another HEAL lender, the Student Loan Marketing Association (popularly known as “Sallie Mae”), or a public entity in the business of purchasing student loans, and except as provided in § 60... statement of all the borrower's rights and responsibilities which arise from the assignment of the...

  14. Alternative Loan Programs: A Comparison of Various Features.

    ERIC Educational Resources Information Center

    New York State Higher Education Services Corp., Albany.

    This report provides comparative data on various features of 36 student loan programs available to undergraduate and/or graduate students in New York. Presented in a table format, the report provides information on loan type, lender, maximum limit, minimum limit, interest rate/payment, fees, repayment guidelines, eligibility, disbursement, and…

  15. Loans for Lifelong Learning.

    ERIC Educational Resources Information Center

    Fletcher, Mick, Ed.

    This collection of eight papers looks at how a system of loans for lifelong learning in Great Britain and New Zealand might be positioned. It examines where such loans might work best and where they seem inappropriate. In particular, the collection assembles the available evidence about the role and impact of loans in the world of education and…

  16. Education and the Law: Implications for American Indian/Alaska Native Students.

    ERIC Educational Resources Information Center

    Warner, Linda Sue

    This chapter provides an overview of federal education case law and legislation. Currently, there is no Supreme Court education case law applicable specifically to American Indian students. Following brief descriptions of categories of jurisdiction and the structure of the federal court system, the overview summarizes Supreme Court case law…

  17. Alaska Is Our Home--Book 3: A Natural Science Handbook for Alaskan Students.

    ERIC Educational Resources Information Center

    Bury, John; Bury, Susan

    The third book in a series of natural science handbooks for Alaskan students focuses on Alaskan plantlife. The first chapter, on trees, gives general information about trees and explains how to identify and locate trees in the three main Alaskan tree families: pine, willow, and birch. The second chapter, on plants, describes 14 kinds of edible…

  18. 10 Steps to Prevent Default: How To Prevent Default On Your Education Loans

    ERIC Educational Resources Information Center

    Alaska Commission on Postsecondary Education, 2004

    2004-01-01

    A brochure describes how student loan default can cause permanent damage to an individual's financial future. and how to prevent default. A student loan is a legal promise. In exchange for help funding one's education, a promise is made to repay the education loan. The promise is made by signing a Promissory Note for any funds borrowed. Loan…

  19. 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.…

  20. 77 FR 41754 - Fishing Capacity Reduction Program for the Southeast Alaska Purse Seine Salmon Fishery

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-16

    ... Southeast Alaska Purse Seine Salmon Fishery AGENCY: National Marine Fisheries Service (NMFS), National... seine salmon fishery. NMFS conducted a referendum to approve the reduction loan repayment fees of $13... Division, NMFS, Attn: SE Alaska Purse Seine Salmon Buyback, 1315 East-West Highway, Silver Spring, MD...

  1. 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.

  2. Direct Student Loans: Additional Steps Would Increase Borrowers' Awareness of Electronic Debiting and Reduce Federal Administrative Costs. Report to the Honorable James M. Jeffords, U.S. Senate.

    ERIC Educational Resources Information Center

    Ashby, Cornelia M.

    In November 1999, the U.S. Department of Education began offering a 0.25% interest rate reduction to borrowers under the Direct Loan program who agree to have their monthly loan payments automatically withdrawn from a bank account through its electronic debit account (EDA) program. The Department of Education submitted a justification to the…

  3. 34 CFR 682.500 - Circumstances under which loans may be guaranteed by the Secretary.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...; (2) Federal Consolidation loans made by the Student Loan Marketing Association and Federal... located in the same State as a school if the lender— (1) Has an origination relationship with the...

  4. 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…

  5. 7 CFR 761.8 - Loan Limitations.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... indebtedness. (1) Farm Ownership, Downpayment loans, Conservation loans, and Soil and Water loans: (i) Direct... Ownership loan, direct Conservation loan, direct Soil and Water loan, guaranteed Farm Ownership loan, guaranteed Conservation loan, and guaranteed Soil and Water loan-$700,000 (for fiscal year 2000 and...

  6. 49 CFR 22.67 - Delinquent loans and loan defaults.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 49 Transportation 1 2012-10-01 2012-10-01 false Delinquent loans and loan defaults. 22.67 Section 22.67 Transportation Office of the Secretary of Transportation SHORT-TERM LENDING PROGRAM (STLP) Loan Administration § 22.67 Delinquent loans and loan defaults. (a) The Participating Lender must bring to...

  7. Is There Still a Need for Perkins Loans? Differences in the Demographic Characteristics and Income Levels of Perkins and Stafford Loan Borrowers.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    This study used data from the 1996 National Postsecondary Student Aid Study to compare the demographic characteristics, income levels, educational costs, and financial need levels of Perkins loan and Stafford loan borrowers in academic year 1995-96. Major findings indicated the following: nearly 63 percent of undergraduate Perkins loan borrowers…

  8. 42 CFR 57.314 - Repayment of loans made after November 17, 1971, for failure to complete a program of study. 2

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.314 Repayment of loans... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment of loans made after November 17,...

  9. 42 CFR 57.314 - Repayment of loans made after November 17, 1971, for failure to complete a program of study. 2

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.314 Repayment of loans... 42 Public Health 1 2013-10-01 2013-10-01 false Repayment of loans made after November 17,...

  10. 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…

  11. Bill Demmert and Native Education in Alaska

    ERIC Educational Resources Information Center

    Barnhardt, Ray

    2011-01-01

    This article describes the influences of William Demmert's formative years growing up in Alaska and his years as an educator of Native American students upon his career in Native education policy. It focuses on Alaska Native education during a ten-year period between 1980 and 1990 during which time he served as the director of the Center for…

  12. Alaska Wilderness: A Bibliography for Secondary Students on Marine Vertebrates, Birds, Small or Fur Bearing Mammals and Game Animals of Alaska.

    ERIC Educational Resources Information Center

    Symons, Ann

    This is an annotated bibliography for secondary school students. It contains fourteen entries on marine vertebrates, nine entries on birds, twenty-nine entries on mammals, and one on amphibians and reptiles. Some of the entries are fiction. (BB)

  13. The Potential of a Culturally Based Supplemental Mathematics Curriculum to Improve the Mathematics Performance of Alaska Native and Other Students

    ERIC Educational Resources Information Center

    Kisker, Ellen Eliason; Lipka, Jerry; Adams, Barbara L.; Rickard, Anthony; Andrew-Ihrke, Dora; Yanez, Eva Evelyn; Millard, Ann

    2012-01-01

    A randomized controlled trial conducted in Alaska examined the efficacy of 2 second-grade modules of the reform-oriented and culturally based Math in a Cultural Context (MCC) teacher training and curriculum. The results show that the "Picking Berries" (representing and measuring) and "Going to Egg Island" (grouping and place…

  14. 38 CFR 1.924 - Suspension or revocation of eligibility for federal loans, loan insurance, loan guarantees...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... of eligibility for federal loans, loan insurance, loan guarantees, licenses, permits, or privileges... loans, loan insurance, loan guarantees, licenses, permits, or privileges. (a) In accordance with 31 U.S...), loan insurance, or loan guarantee. (c) For the purposes of this section only, a debt is in a...

  15. National Indian Education Study--Part II: The Educational Experiences of American Indian and Alaska Native Students in Grades 4 and 8. Statistical Analysis Report. NCES 2010-463

    ERIC Educational Resources Information Center

    Mead, N.; Grigg, W.; Moran, R.; Kuang, M.

    2010-01-01

    Since 2005, the National Indian Education Study (NIES) has provided educators, policymakers, and the public with information about the background and academic performance of fourth- and eighth-grade American Indian and Alaska Native (AI/AN) students in the United States. This report, the second in a two-part series based on the 2009 NIES survey,…

  16. National Indian Education Study--Part I: Performance of American Indian and Alaska Native Students at Grades 4 and 8 on NAEP 2009 Reading and Mathematics Assessments. NCES 2010-462

    ERIC Educational Resources Information Center

    Grigg, W.; Moran, R.; Kuang, M.

    2010-01-01

    The National Indian Education Study (NIES) is administered as part of the National Assessment of Educational Progress (NAEP), which was expanded to allow more in-depth reporting on the achievement and experiences of American Indian/Alaska Native (AI/AN) students. It fulfills a mandate of Executive Order 13336 issued in 2004 calling for closer…

  17. National Indian Education Study, 2007. Part I: Performance of American Indian and Alaska Native Students at Grades 4 and 8 on NAEP 2007 Reading and Mathematics Assessments. NCES 2008-457

    ERIC Educational Resources Information Center

    Moran, R.; Rampey, B. D.; Dion, G.; Donahue, P.

    2008-01-01

    This report presents the results for Part I of the study focusing on the performance of American Indian and Alaska Native (AI/AN) fourth- and eighth-graders on the 2007 National Assessment of Educational Progress in reading and mathematics. A national sample of approximately 10,100 AI/AN students at grades 4 and 8 participated in the 2007 reading…

  18. The Student Guide. Five Federal Financial Aid Programs. 88-89.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    Information on five U.S. Department of Education student financial aid programs and how to apply for them is presented: Pell Grants, Supplemental Educational Opportunity Grants, College Work-Study, Perkins Loans (formerly National Direct Student Loans), and Guaranteed Student Loans (Parent Loans to Undergraduate Students and Supplemental Loans for…

  19. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Residential real estate loans, small business... OF THE TREASURY LENDING LIMITS § 32.7 Residential real estate loans, small business loans, and small farm loans. (a) Residential real estate, small business, and small farm loans. (1) In addition to...

  20. 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

  1. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing...

  2. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing...

  3. Repayment Book. William D. Ford Federal Direct Loan Program.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    This booklet is intended to help individuals who received William D. Ford Federal Direct Loans as students manage the repayment process. Following an introduction, explanations are offered for how the principal balance of the loan is determined and how interest rates are applied. The following sections explain the four different repayment plans,…

  4. 42 CFR 60.7 - The loan application process.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... to meet the scheduled payments. This signed statement must be maintained by the school and the lender... loan applies to a participating lender for a HEAL loan by submitting an application form supplied by... accurately. (2) The student applicant must be informed of the Federal debt collection policies and...

  5. The Repayment Period for Loan-Financed College Education.

    ERIC Educational Resources Information Center

    Balderston, F. E.

    The author demonstrates mathematically that shifting from a grant to loan financing system for students lengthens the time before a graduate breaks even. The implication is that all loan financing for which the repayment is concentrated in the earlier years of working life has some deterrent effect upon college attendance because the net payoff is…

  6. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Loan cancellation reimbursement. 57.213a Section 57.213a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS...

  7. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing...

  8. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing...

  9. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Loan cancellation reimbursement. 57.213a Section 57.213a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS...

  10. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.213a Section 57.213a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS...

  11. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Loan cancellation reimbursement. 57.213a Section 57.213a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS...

  12. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing...

  13. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Loan cancellation reimbursement. 57.213a Section 57.213a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS...

  14. 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…

  15. Entrance Counseling Guide for Direct Loan Borrowers

    ERIC Educational Resources Information Center

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

    This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…

  16. 7 CFR 761.8 - Loan Limitations.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... assumption of indebtedness. (1) Farm Ownership, Downpayment loans, Conservation loans, and Soil and Water... direct Farm Ownership loan, direct Conservation loan, direct Soil and Water loan, guaranteed Farm Ownership loan, guaranteed Conservation loan, and guaranteed Soil and Water loan-$700,000 (for fiscal...

  17. 77 FR 4854 - Alaska Disaster Number AK-00022

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-31

    ... Only for the State of ALASKA (FEMA-4050-DR), dated 12/22/2011. Incident: Severe Winter Storms and Flooding. Incident Period: 11/08/2011 through 11/13/2011. Effective Date: 01/24/2012. Physical Loan... the incident period for this disaster as beginning 11/08/2011 and continuing through 11/13/2011....

  18. Cost Analysis of the Department's Initiative To Consolidate Debt Collection Service Loans into the Direct Loan Program. Audit Report.

    ERIC Educational Resources Information Center

    Office of Inspector General (ED), Washington, DC.

    An assessment of the cost-effectiveness of an initiative to target 823,278 defaulted student loans in the Debt Collection Service (DCS) for consolidation into the Direct Loan Program concluded that it was not cost-effective. The study found that the Department of Education's cost to consolidate about 80,000 DCS borrowers into the program would be…

  19. Entrance Counseling. Guide for Borrowers. William D. Ford Federal Direct Loan Program.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    This guide for student first-time borrowers presents the basic facts about subsidized Federal Direct Stafford/Ford Loans and Federal Direct Unsubsidized Stafford/Ford Loans. Components of the guide include: (1) a section providing such information as amounts that can be borrowed, interest rates, loan fees, the various repayment plans, and loan…

  20. 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…