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Sample records for alaska student loan

  1. A Special Report on the Alaska Commission on Postsecondary Education--Collection of Defaulted Student Loans.

    ERIC Educational Resources Information Center

    Welker, Randy S.

    In accordance with a Legislative Budget and Audit Committee special request and the provisions of Title 24 of the Alaska Statutes, a review was conducted of the Alaska Commission on Postsecondary Education's experience with various collection contractors used to collect defaulted student loans. The primary purpose was to assess the success that…

  2. State of Alaska Student Financial Aid Programs. 1990-91 Annual Report.

    ERIC Educational Resources Information Center

    Alaska State Commission on Postsecondary Education, Juneau.

    This report briefly summarizes Alaska student financial aid programs and participation levels for 1990-91. The programs described are the following: (1) Alaska Student Loan Program (program summary, loan award amounts, undergraduate loans, graduate loans, foreign study, loan repayments, default); (2) Alaska Family Education Loan Program…

  3. 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…

  4. Student Loan Default.

    ERIC Educational Resources Information Center

    Ginsberg, Edward; Ginsberg, Susan

    1989-01-01

    Most college students who default on federal loans come from low-income families and drop out of school within a year. Borrowers from more affluent families take out bigger loans, but stay in school longer, and are likely to secure steady employment and repay their loans. The Guaranteed Student Loan program seems designed for borrowers least…

  5. State of Alaska Student Financial Aid Programs, 1991-92 Annual Report.

    ERIC Educational Resources Information Center

    Alaska State Commission on Postsecondary Education, Juneau.

    This report briefly summarizes Alaska's student financial aid programs and the participation levels for 1991-92. After introductory remarks, more detailed sections focus on the following specific programs: (1) the Alaska Student Loan Program; (2) the Alaska Family Education Loan Program; (3) the Alaska Teacher Scholarship Loan Program; (4) the…

  6. 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…

  7. 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,…

  8. State of Alaska Student Financial Aid Programs: Annual Report, 1987-1988. Document Number 89-1.

    ERIC Educational Resources Information Center

    Alaska State Commission on Postsecondary Education, Juneau.

    This report summarizes the participation levels of the five postsecondary, financial assistance programs in the state of Alaska for 1987-88. The Alaska Student Loan Program (ASLP) awarded approximately 17,000 loans during the period; 53.8% of which went to students attending an institution in Alaska, while 26.7% were awarded to freshmen. The…

  9. 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…

  10. Direct PLUS Loan Basics: Parent Loans for Students. William D. Ford Federal Direct Loan Program.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    The Direct PLUS Loan is one of the low-interest loans provided by the William D. Ford Federal Direct Loan Program. The U.S. Department of Education delivers loan proceeds through the student's school, and parents are responsible for repaying the Department. This booklet answers parents' questions about the loan program, including: (1) Am I…

  11. 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…

  12. Student Loan Default Rates in Minnesota, 2007

    ERIC Educational Resources Information Center

    Grimes, Tricia

    2010-01-01

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

  13. Student Loan Programs: Management and Collection.

    ERIC Educational Resources Information Center

    Dorian, James C.; Ward, Diane M.

    This guide to undergraduate and graduate student loan programs focuses primarily on program administration and management in the context of student loan repayment and collection. By incorporating regulatory requirements with practical suggestions on managing student loan programs, the book provides a framework and a guide for those who are…

  14. 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…

  15. Regulations: Guaranteed Student Loan Program.

    ERIC Educational Resources Information Center

    1979

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

  16. Discharging Student Loans in Bankruptcy.

    ERIC Educational Resources Information Center

    Ahart, Alan M.

    1978-01-01

    Section 439A of the Education Amendments of 1976 restricts the dischargeability of federal student loans to cases of "undue hardship." The origin, applications, and legal procedures involved in Section 439A and in Section 523(a) of the new Bankruptcy Code are examined and suggestions are made for determining the meaning of "undue hardship." (SF)

  17. 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…

  18. 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...

  19. 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...

  20. 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...

  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, 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...

  3. 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…

  4. Student Financial Aid Programs. State of Alaska Annual Report, 1983-84. Document Number 85-1.

    ERIC Educational Resources Information Center

    Alaska State Commission on Postsecondary Education, Juneau.

    Participation levels for 1983-1984 for two student financial aid programs provided by the State of Alaska and one regional student exchange program are reported. Brief descriptions of these three programs are also provided: the Alaska Student Loan Program, the Western Interstate Commission for Higher Education (WICHE) Student Exchange Program, and…

  5. Student Financial Aid Programs: State of Alaska. Annual Report, 1984-1985. Document Number 86-1.

    ERIC Educational Resources Information Center

    Alaska State Commission on Postsecondary Education, Juneau.

    Participation levels for 1984-1985 for two student financial aid programs provided by the State of Alaska and one regional student exchange program are reported. Brief descriptions of these programs are included: the Alaska Student Loan Program, the Western Interstate Commission for Higher Education (WICHE) Student Exchange Program, and the State…

  6. Student Loan Defaults and Enrollment Persistence.

    ERIC Educational Resources Information Center

    Podgursky, Michael; Ehlert, Mark; Monroe, Ryan; Watson, Donald; Wittstruck, John

    2002-01-01

    Provides a model of student loan defaults using a panel data file. Identifies a variety of individual variables associated with loan defaults; however, researchers found that the variable with the largest effect on default is continuous enrollment. Students who are continuously enrolled or complete their programs are far less likely to default…

  7. Student Loans: What Do We Want?

    ERIC Educational Resources Information Center

    Frishberg, Ellen

    1996-01-01

    A college financial aid administrator argues that good student loan programs are being discontinued because of politics and territoriality, and calls on the banking industry to enter into a more productive partnership with higher education, families, and associations to solve some of the problems of student loan financing and develop good public…

  8. Whose Fault is Student Loan Default?

    ERIC Educational Resources Information Center

    Jenkins, John A.

    1978-01-01

    Student loan programs have been racked by defaults, bankruptcies, and administrative trivia, causing Congress to search for another system. Under consideration is a loan that would be repaid to the Internal Revenue Service through a withholding tax. However, better collection efforts with the present system are producing encouraging results. (JMD)

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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…

  15. Student Loan Bankruptcies: A Chapter 13 Revival?

    ERIC Educational Resources Information Center

    Pawlik, John M.

    1980-01-01

    Unless legislative or judicial action is taken, the current high volume of student loans will likely encourage frequent utilization of Chapter 13 of the Bankruptcy Reform Act of 1978 for unintended purposes. (Author/IRT)

  16. Should Borrowers Fear a Student-Loan Behemoth?

    ERIC Educational Resources Information Center

    Burd, Stephen

    2000-01-01

    Reports on continued growth of Sallie Mae, the nation's largest financer of federal student loans. Notes the company's purchase of the USA Group, the nation's largest student loan guarantee agency, competition with the federal direct loan program, political contributions to legislators who set loan policies, and development of Laureate, a…

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

    ERIC Educational Resources Information Center

    Baum, Sandy

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

  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. 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…

  1. 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…

  2. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 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 the following: (a) Accurately and completely fill out its portion of the HEAL application; (b) Verify, to...

  3. 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…

  4. 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…

  5. 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…

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

    ERIC Educational Resources Information Center

    Frazier, Franklin

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

  7. 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 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION ASSISTANCE LOAN PROGRAM The School § 60.52 The student's loan check. (a) When a school receives from a...

  8. 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 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION ASSISTANCE LOAN PROGRAM The School § 60.52 The student's loan check. (a) When a school receives from a...

  9. 12 CFR 1090.106 - Student loan servicing market.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... open-end credit plan (as defined in Regulation Z, 12 CFR 1026.2(a)(20)) or loan that is secured by real... 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...

  10. The Economic Burden of Student Loan Repayment in Norway

    ERIC Educational Resources Information Center

    Opheim, Vibeke

    2005-01-01

    This paper examines the effects of student loan repayment on household economy in Norway. Using data from two nationwide interview-based surveys on the financial position of Norwegian households, we analyse the financial position of households currently repaying student loans compared with households without such loans along several demographical…

  11. Income Contingent Student Loans for Thailand: Alternatives Compared

    ERIC Educational Resources Information Center

    Chapman, Bruce; Lounkaew, Kiatanantha

    2010-01-01

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

  12. Students Alerted to Loan Debt

    ERIC Educational Resources Information Center

    Adams, Caralee J.

    2011-01-01

    Students are taking on more college debt in this struggling economy, often without the knowledge to make wise choices. To help students better manage their debt, some college campuses and high schools are ramping up their financial-literacy efforts, where experts say such education should begin. But a squeeze on K-12 resources has hampered the…

  13. Student Loans: A Case Study.

    ERIC Educational Resources Information Center

    Sorensen, Lin; Winn, Sandra

    1993-01-01

    A survey of 1,720 second-year undergraduates at the University of Brighton (England) gathered basic demographic information and data on their financial status, including the form(s) of student financial aid applied for and awarded, parent contributions and other income sources, housing, transportation, and school and other costs. (MSE)

  14. High School and Beyond. Student Financial Assistance: Student Loans. Contractor Report.

    ERIC Educational Resources Information Center

    Brown, Cynthia L.; And Others

    The distribution of student loans to the 1980 senior cohort of the High School and Beyond sample is examined. The sample of the senior cohort participated in the Second Follow-up survey in 1984. Attention is directed to: who received loans, the types of loans awarded, the amount of loan aid, the availability and amount of loans related to the cost…

  15. Reframing the Student Loan Costing Debate: The Benefits of Competition

    ERIC Educational Resources Information Center

    Galloway, Fred; Wilson, Hoke

    2005-01-01

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

  16. 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... LOANS Health Professions Student Loans § 57.207 Maximum amount of health professions student loans. The total of the health professions student loans made from the fund to any student for a school year...

  17. 42 CFR 57.210 - Repayment and collection of health professions student loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... student loans. 57.210 Section 57.210 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN... STUDENT LOANS Health Professions Student Loans § 57.210 Repayment and collection of health professions student loans. (a) Each health professions student loan, including accrued interests, will be repayable......

  18. 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... LOANS Health Professions Student Loans § 57.207 Maximum amount of health professions student loans. The total of the health professions student loans made from the fund to any student for a school year...

  19. 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…

  20. Improving Student Achievement in Alaska. Alaska Goals 2000 Annual Report, 1997-98.

    ERIC Educational Resources Information Center

    Alaska State Dept. of Education, Juneau.

    Alaska Goals 2000 is part of a coordinated, statewide effort to improve public education for all students in Alaska. In 1997-1998, 90% of Alaska's federal funding was used to fund grants to local school districts, and 10% was used to fund state-level activities through the Alaska Department of Education. During 1997-1998, curriculum frameworks and…

  1. Employers Should Help Pay Student Loans for Their Workers

    ERIC Educational Resources Information Center

    Wrubel, Paul R.

    2008-01-01

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

  2. 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…

  3. 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)

  4. Do Loans Really Expand Opportunities for Community College Students?

    ERIC Educational Resources Information Center

    England-Siegerdt, Christy

    2011-01-01

    In order to understand whether loans actually expand opportunities among community college students, it is important to understand who is borrowing and who is not. A binary logistic regression was used to determine which financially needy students are likely to borrow from federal loan programs. The current study found that the following types of…

  5. 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…

  6. Cost Estimates for Federal Student Loans: The Market Cost Debate

    ERIC Educational Resources Information Center

    Delisle, Jason

    2008-01-01

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

  7. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Department's Claims Collections regulations (45 CFR part 30), as appropriate. (Approved by the Office of... 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...

  8. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Department's Claims Collections regulations (45 CFR part 30), as appropriate. (Approved by the Office of... 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...

  9. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Department's Claims Collections regulations (45 CFR part 30), as appropriate. (Approved by the Office of... 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...

  10. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Department's Claims Collections regulations (45 CFR part 30), as appropriate. (Approved by the Office of... 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...

  11. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Department's Claims Collections regulations (45 CFR part 30), as appropriate. (Approved by the Office of... 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...

  12. 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)

  13. Default Rate on Student Loans Falls for 2005 Fiscal Year

    ERIC Educational Resources Information Center

    Basken, Paul

    2007-01-01

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

  14. Student-Loan Investigation Sweeps Up More Colleges

    ERIC Educational Resources Information Center

    Basken, Paul; Field, Kelly

    2007-01-01

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

  15. 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..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.208 Health professions student loan promissory note and disclosure requirements. (a) Promissory note form. Each health professions student...

  16. 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 quilts…

  17. Perkins Student Loans. Need for Better Controls over Loans Recovered from Closed Schools. Report to the Secretary of Education.

    ERIC Educational Resources Information Center

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

    This report examines the Perkins Student Loan Program, and in particular, the weaknesses in the Department of Education's policies, procedures, and practices for recovering Perkins loan fund assets from schools that go out of business. The report reveals that when schools in the Perkins Student Loan Program close, the Department of Education…

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

    ERIC Educational Resources Information Center

    Weinberg, Steven

    2006-01-01

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

  19. 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;…

  20. 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…

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

    ERIC Educational Resources Information Center

    Macro International, Inc., Calverton, MD.

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

  2. 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…

  3. 42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... student loan applicants. 57.206 Section 57.206 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.206 Eligibility and selection of health... consideration for a health professions student loan if they are: (i) Residents of the United States and......

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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…

  15. 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…

  16. 75 FR 36426 - Legislative Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-25

    ... HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Nursing Student Loan... Nursing Student Loan (NSL) program by: (1) Increasing the limits of loan funds to students; (2) revising... loans eligible for partial loan cancellation. SUPPLEMENTARY INFORMATION: The Nursing Student Loan...

  17. Federal Costs for Student Loans: Is There a Role for Institution-Based Lending?

    ERIC Educational Resources Information Center

    Hauptman, Arthur

    Federal costs of the National Direct Student Loan (NDSL) program and the Guaranteed Student Loan (GSL) program are compared, and alternatives to the current system of student financial assistance are discussed. It is estimated that over the life of the loan, the long-term federal costs of GSL and NDSL per dollar loaned are approximately the same…

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

    ERIC Educational Resources Information Center

    Shireman, Robert

    2004-01-01

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

  19. 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…

  20. Characteristics of Alaska Native Students.

    ERIC Educational Resources Information Center

    Kleinfeld, J. S.

    Discussing the "characteristics" of Alaskan Native students presents a serious danger-the problem of overgeneralization and stereotyping. Covering educational programs designed for Native children, the ANNA Project Appendix discusses: (1) cognitive and social strengths of the students; (2) educational problems such as academic achievement and…

  1. 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…

  2. 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…

  3. 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…

  4. Improvements Needed in Administration of the Guaranteed Student Loan Program.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

    This report identifies improvements needed in administration of the guaranteed student loan program. Improvements needed are based on the fact that that lenders are not informed when student borrowers drop out of school. Alternatives for providing lenders with timely information on enrollment terminations are indicated. Additional administrative…

  5. 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…

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 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…

  12. 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…

  13. 5 CFR 537.108 - Loss of eligibility for student loan repayment benefits.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Loss of eligibility for student loan repayment benefits. 537.108 Section 537.108 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.108 Loss of eligibility for student loan repayment benefits. (a) An employee receiving...

  14. 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... Health Professions Student Loans § 57.209 Payment of health professions student loans. (a)...

  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... Health Professions Student Loans § 57.209 Payment of health professions student loans. (a)...

  16. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions... 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...

  17. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions... 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...

  18. 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..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.206 Eligibility and selection of...

  19. 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..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.206 Eligibility and selection of...

  20. 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..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.206 Eligibility and selection of...

  1. 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…

  2. 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... STUDENT LOANS Health Professions Student Loans § 57.210 Repayment and collection of health...

  3. 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... STUDENT LOANS Health Professions Student Loans § 57.210 Repayment and collection of health...

  4. 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... STUDENT LOANS Health Professions Student Loans § 57.210 Repayment and collection of health...

  5. 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. McPherson); "Neither…

  6. 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…

  7. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... shall exercise the level of care required of a fiduciary with regard to these deposits and investments... noncompliance provisions of § 57.218 and the Department's Claims Collections regulations (45 CFR part 30), as... 42 Public Health 1 2012-10-01 2012-10-01 false Health professions student loan funds....

  8. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... shall exercise the level of care required of a fiduciary with regard to these deposits and investments... noncompliance provisions of § 57.218 and the Department's Claims Collections regulations (45 CFR part 30), as... 42 Public Health 1 2014-10-01 2014-10-01 false Health professions student loan funds....

  9. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... shall exercise the level of care required of a fiduciary with regard to these deposits and investments... noncompliance provisions of § 57.218 and the Department's Claims Collections regulations (45 CFR part 30), as... 42 Public Health 1 2011-10-01 2011-10-01 false Health professions student loan funds....

  10. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... shall exercise the level of care required of a fiduciary with regard to these deposits and investments... noncompliance provisions of § 57.218 and the Department's Claims Collections regulations (45 CFR part 30), as... 42 Public Health 1 2013-10-01 2013-10-01 false Health professions student loan funds....

  11. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... noncompliance provisions of § 57.218 and the Department's Claims Collections regulations (45 CFR part 30), as... 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...

  12. 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…

  13. Factors Affecting the Probability of Default: Student Loans in California.

    ERIC Educational Resources Information Center

    Woo, Jennie H.

    2002-01-01

    Linked a database of California student borrowers with background financial and demographic information and post-college employment data to examine factors that predict default for borrowers in the federal Family Education Loan program. Found that background demographic and financial characteristics, leaving school without a degree, having low…

  14. 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…

  15. 3 CFR - Improving Repayment Options for Federal Student Loan Borrowers

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Treasury More individuals than ever before are using student loans to finance college. Nearly two-thirds of college graduates borrow to pay for college, with an average debt upon graduation of about $26,300. While a college education remains an excellent investment, this debt can be overly burdensome,...

  16. 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…

  17. Student Loan Programs. Senate Hearing Before the Committee on Appropriations. Fiscal Year 1976. 94th Congress, First Session. Special Hearing.

    ERIC Educational Resources Information Center

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

    This 1976 Senate Hearing before the Appropriations Committee is concerned with student loans. Issues discussed are: (1) student loan programs; (2) educational loans to middle-income families; (3) default rate on bank loans; (4) HELP grant loan; (5) views of the Financial Aid Officers Panel; (6) proprietary career schools; (7) consumer protection;…

  18. 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…

  19. 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…

  20. 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…

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

    ERIC Educational Resources Information Center

    Weinberg, Steven; Moore, Damien

    2006-01-01

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

  2. 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

    ... 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 Master Promissory Note SUMMARY: The Federal Perkins Loan Master Promissory Note (MPN) provides the...

  3. 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. PMID:24839312

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

    ERIC Educational Resources Information Center

    Atuahene, Francis

    2008-01-01

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

  5. 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…

  6. 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…

  7. 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

  8. 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…

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

    ERIC Educational Resources Information Center

    Alsalam, Nabeel

    2004-01-01

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

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

    ERIC Educational Resources Information Center

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

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

  11. Predicting Student Loan Default for the University of Texas at Austin

    ERIC Educational Resources Information Center

    Herr, Elizabeth; Burt, Larry

    2005-01-01

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

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

    ERIC Educational Resources Information Center

    Amatya, Sachi

    2009-01-01

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

  13. 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…

  14. 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.…

  15. 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…

  16. 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…

  17. 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…

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

    ERIC Educational Resources Information Center

    Cheng, Baoyan

    2011-01-01

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

  19. Elter v. Great Lakes Higher Education Corporation: State Agencies That Grant Educational Loans May Discriminate against Student Bankrupts Who Default on Prior Educational Loans.

    ERIC Educational Resources Information Center

    Lake, John F.; Pedulla, Maria A.

    1990-01-01

    Discussion of a ruling allowing state agencies to deny new educational loans to students with previous loans discharged in bankruptcy looks at the intent behind the Bankruptcy Code, specifically concerning the nature of educational loans and the "fresh start" policy. Potential conflicts between the state and federal statute is also discussed. (MSE)

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

    ERIC Educational Resources Information Center

    Riedl, Brian M.

    2007-01-01

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

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

    ERIC Educational Resources Information Center

    Steiner, Matt; Teszler, Natali

    2005-01-01

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

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

    ERIC Educational Resources Information Center

    Touche Ross and Co., Washington, DC.

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

  3. 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…

  4. Student Loans and Bankruptcies: What Can a University-Creditor Do?

    ERIC Educational Resources Information Center

    Rieder, Robert W.

    1989-01-01

    Discusses current bankruptcy law relating to the student loan debtor and outlines permissible activities of a university with respect to such a debtor during and after the bankruptcy proceeding. Advises universities to develop a set of guidelines and procedures for dealing with student loan debtors who file for bankruptcy relief. (MLF)

  5. 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…

  6. 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…

  7. 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…

  8. 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…

  9. Default Rate on Student Loans Drops for 6th Consecutive Year.

    ERIC Educational Resources Information Center

    Burd, Stephen

    1998-01-01

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

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

    ERIC Educational Resources Information Center

    Barr, Nicholas; Johnston, Alison

    2010-01-01

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

  11. 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…

  12. 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…

  13. 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…

  14. 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:…

  15. 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.

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

    ScienceCinema

    None

    2010-09-01

    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.

  17. Guaranteed Student Loans: Actions To Ensure Continued Student Access to Subsidized Loans. Report to the Chairman and Ranking Minority Member, Committee on Economic and Educational Opportunities, House of Representatives.

    ERIC Educational Resources Information Center

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

    This study examined the availability of federally subsidized Stafford student loans for postsecondary education in light of recent legislated changes, specifically the Higher Education Amendments of 1992 and the Student Loan Reform Act of 1993, which authorized the Federal Direct Student Loan Program, brought changes to the Federal Family…

  18. Reinventing the Federal Student Loan Program. A Proposal To Ensure the Stability of the Federal Student Loan Program, Improve Service to Students and Save Taxpayers Money.

    ERIC Educational Resources Information Center

    Coalition for Student Loan Reform, Washington, DC.

    This report proposes reform recommendations in the Federal Student Loan Program that are intended to reduce government (and taxpayer) costs, allow for the incorporation of the National Service Initiative, and provide more flexible repayment terms for borrowers. The proposal provides for an evaluation period for direct government lending, the…

  19. 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…

  20. Student Loans. Millions Loaned Inappropriately to U.S. Nationals at Foreign Medical Schools. Report to Congressional Committees.

    ERIC Educational Resources Information Center

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

    This report evaluates the adequacy of the Department of Education's efforts to approve foreign medical schools for participation in the federal student loan program, and information needed by state medical boards to assess the quality of the education that foreign-trained physicians receive before granting them licenses. Findings indicate that the…

  1. 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…

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

    ERIC Educational Resources Information Center

    Cross, Cynthia Sahagian

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

  3. 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…

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

    ERIC Educational Resources Information Center

    Barone, Sandra; Steiner, Matt; Teszler, Natali

    2005-01-01

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

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

    ERIC Educational Resources Information Center

    Barone, Sandra

    2006-01-01

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

  6. Financing Student Loans: The Search for Alternatives in the Face of Federal Contraction.

    ERIC Educational Resources Information Center

    Hauptman, Arthur M.

    Student loan alternatives for states, educational institutions, and others who may be facing recent or anticipated reductions in federal aid are considered. Attention is focused on short-run possibilities that require relatively little or no modification of existing federal statutes. Considerations in developing loan alternatives include the…

  7. 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…

  8. 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…

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

    ERIC Educational Resources Information Center

    Wurtz, Donald R.; And Others

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

  10. 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…

  11. 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…

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

    ERIC Educational Resources Information Center

    Woodhall, Maureen

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

  13. The Educational Aspirations/Attainment Gap among Rural Alaska Native Students

    ERIC Educational Resources Information Center

    Doyle, Aaron; Kleinfeld, Judith; Reyes, Maria

    2009-01-01

    Indigenous students in rural Alaska hold high educational aspirations and yet few students realize their educational goals (Hamilton & Seyfrit, 1993; Kleinfeld & McDiarmid, 1986; McDiarmid & Kleinfeld, 1981). Our purpose in this study was to understand why so many Alaska Native students from small, isolated communities "drift" after high school,…

  14. 34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... the Secretary in recovering the funds by— (1) Making a reasonable effort to contact the student; and... Federal Perkins loan fund or Federal Pell Grant, ACG, National SMART Grant, TEACH Grant, FSEOG, or...

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

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... the Secretary in recovering the funds by— (1) Making a reasonable effort to contact the student; and... Federal Perkins loan fund or Federal Pell Grant, ACG, National SMART Grant, TEACH Grant, FSEOG, or...

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

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... the Secretary in recovering the funds by— (1) Making a reasonable effort to contact the student; and... Federal Perkins loan fund or Federal Pell Grant, ACG, National SMART Grant, TEACH Grant, FSEOG, or...

  17. The Bankruptcy Reform Act and Student Loans: Unraveling New Knots.

    ERIC Educational Resources Information Center

    Ayres, Ted D.; Sagner, Dianne R.

    1982-01-01

    The Bankruptcy Reform Act specifically prohibits discharge of educational loans. This statutory exception is discussed and information is provided for lawyers handling loan collection. The anomalous situation created by the chapter that does not specifically discharge educational debt is also described. (MSE)

  18. 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…

  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. 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…

  1. Reducing Federal Loan Eligibility Would Hurt Students at For-Profit Colleges

    ERIC Educational Resources Information Center

    Institute for College Access & Success, 2014

    2014-01-01

    Some for-profit college industry lobbyists blame students for the high debt and default levels at their schools, claiming that their students borrow more than they need in federal loans. However, there is no evidence to support this claim, and giving colleges greater authority to reduce aid eligibility will make it harder for students to pay for…

  2. Many Community Colleges Do Not Offer Federal Student Loans, Study Finds

    ERIC Educational Resources Information Center

    Hermes, J. J.

    2008-01-01

    At least one million community-college students are denied access to federally guaranteed student loans because their institutions do not participate in the federal programs. This article describes the results of a study by the Project on Debt, a nonprofit advocacy group, which found that one in 10 community-college students, including one in five…

  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. 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…

  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. Stafford Student Loan Program. Correspondence Schools' Loan Volume Declines Sharply. Fact Sheet for the Chairman, Committee on Labor and Human Resources, U.S. Senate.

    ERIC Educational Resources Information Center

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

    This report examines the extent to which correspondence schools participate in the Stafford Student Load Program and the rates at which students from these schools default on their student loans. It is revealed that the average borrower default rate for students attending correspondence schools was more than double the rate, 42.2 percent versus…

  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. Global Debt Patterns: An International Comparison of Student Loan Burdens and Repayment Conditions. Canadian Higher Education Report Series

    ERIC Educational Resources Information Center

    Usher, Alex

    2005-01-01

    The purpose of this study is to move beyond debates about income-contingency or non-income contingency as a means of loan repayment and focus on the specific nature of the debt burden facing students in different countries. In particular, it will explore how much students in different countries owe in student loan debt, the conditions governing…

  9. Toward the Reduction of Student Loan Defaults in New Jersey. Report of the New Jersey Default Task Force.

    ERIC Educational Resources Information Center

    New Jersey State Dept. of Higher Education, Trenton.

    The nature of the loan default problem in New Jersey, the reduction of defaults in the New Jersey Guaranteed Student Loan Program, default prevention initiatives, and the recommendations of the Default Task Force are discussed. Findings include the following: (1) most defaulters are low-income students, and half were students in proprietary school…

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

    ERIC Educational Resources Information Center

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

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

  11. Alaska

    NASA Technical Reports Server (NTRS)

    2002-01-01

    In this spectacular MODIS image from November 7, 2001, the skies are clear over Alaska, revealing winter's advance. Perhaps the most interesting feature of the image is in its center; in blue against the rugged white backdrop of the Alaska Range, Denali, or Mt. McKinley, casts its massive shadow in the fading daylight. At 20,322 ft (6,194m), Denali is the highest point in North America. South of Denali, Cook Inlet appears flooded with sediment, turning the waters a muddy brown. To the east, where the Chugach Mountains meet the Gulf of Alaska, and to the west, across the Aleutian Range of the Alaska Peninsula, the bright blue and green swirls indicate populations of microscopic marine plants called phytoplankton. Image courtesy Jacques Descloitres, MODIS Land Rapid Response Team at NASA GSFC

  12. Alaska

    NASA Technical Reports Server (NTRS)

    2002-01-01

    In this spectacular MODIS image from November 7, 2001, the skies are clear over Alaska, revealing winter's advance. Perhaps the most interesting feature of the image is in its center; in blue against the rugged white backdrop of the Alaska Range, Denali, or Mt. McKinley, casts its massive shadow in the fading daylight. At 20,322 ft (6,194m), Denali is the highest point in North America. South of Denali, Cook Inlet appears flooded with sediment, turning the waters a muddy brown. To the east, where the Chugach Mountains meet the Gulf of Alaska, and to the west, across the Aleutian Range of the Alaska Peninsula, the bright blue and green swirls indicate populations of microscopic marine plants called phytoplankton.

  13. 34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 3 2012-07-01 2012-07-01 false Recovery of payments and loan disbursements to ineligible students. 668.139 Section 668.139 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Immigration-Status Confirmation...

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

    ERIC Educational Resources Information Center

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

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

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

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Recovery of payments and loan disbursements to ineligible students. 668.139 Section 668.139 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE...

  16. Grants Versus Loans: Recent Proposals for Change in Student Aid Policy in Great Britain.

    ERIC Educational Resources Information Center

    Hexter, Holly

    Recent attempts of the British government to shift its student aid programs from grants to loans are discussed, along with parallels between developments in student aid policy in both Britain and the United States. Great Britain's higher education structure, access to education, and enrollments are briefly described. In Britain over 90 percent of…

  17. 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…

  18. 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…

  19. Bar Admission--Default on Student Loan Warrants Denial of Admission to Minnesota Bar.

    ERIC Educational Resources Information Center

    William Mitchell Law Review, 1980

    1980-01-01

    The Minnesota Supreme Court upheld a decision that student loan default, and subsequent dismissal through bankruptcy, is sufficient reason to deny a law student's bar admission. The bar's requirement of good moral character was interpreted as financial integrity in the Gahan case. (MSE)

  20. 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. PMID:26896055

  1. 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…

  2. 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.

  3. 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…

  4. 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.

  5. 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…

  6. 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…

  7. 78 FR 13327 - Request for Information Regarding an Initiative To Promote Student Loan Affordability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-27

    ... Secretary of the Treasury, the Secretary of Education, and Congress. In October 2012, the Ombudsman... Education Act. The remainder of the market consists of private student loans. In July 2012, the Director of the Bureau and the Secretary of Education submitted a report to Congress detailing the private...

  8. 78 FR 18902 - Defining Larger Participants of the Student Loan Servicing Market

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-28

    ...\\ The first two rules defined larger participants of markets for consumer reporting, 77 FR 42874 (July 20, 2012) (Consumer Reporting Rule), and for consumer debt collection, 77 FR 65775 (Oct. 31, 2012... participants of the student loan servicing market would become Sec. 1090.106 in subpart B. \\13\\ 77 FR...

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

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... in Lending Regulation Z (12 CFR part 226). (Approved by the Office of Management and Budget under... 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...

  10. 42 CFR 57.210 - Repayment and collection of health professions student loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Department's Claims Collection regulations (45 CFR part 30), as appropriate. (5) Disclosure of taxpayer... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of health professions student loans. 57.210 Section 57.210 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND...

  11. Issues in Designing a Federal Program of Income-Contingent Student Loans. CBO Memorandum.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. Congressional Budget Office.

    In response to Congressional requests to analyze proposed federal programs that would provide income-contingent loans (ICLs) to postsecondary students, this report of the Congressional Budget Office examines the fundamental issues in designing such programs. It identifies the key parameters that define an ICL program, discusses the relationships…

  12. Health Professions and Nursing Student Loan and Scholarship Programs. Manual of Information, Policies, and Procedures.

    ERIC Educational Resources Information Center

    National Institutes of Health (DHEW), Bethesda, MD. Bureau of Health Manpower Education.

    This manual covers basic policies and procedures governing four student loan and scholarship programs administered within the Bureau of Health Manpower, National Institutes of Health. An introductory chapter provides definitions, procedures, and reporting common to all programs, and this is followed by chapters describing: (1) The Health…

  13. 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…

  14. 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

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for Special... which the U.S. Department of Education (the Department) collects certain information from...

  15. Bankruptcy--Student Loans--Private College's Refusal to Release Transcripts.

    ERIC Educational Resources Information Center

    Rapp, Larry G.

    1978-01-01

    In Girardier vs Webster College the court held that a private college may refuse to release college transcripts if students have not repaid their National Defense Education Act loans even though they've declared bankruptcy, and that no private remedy could be inferred under the Family Educational Rights and Privacy Act of 1974. Implications are…

  16. "The Certainty of Hopelessness": Are Courts too Harsh toward Bankrupt Student Loan Debtors?

    ERIC Educational Resources Information Center

    Fossey, Richard

    1997-01-01

    In most cases, individuals filing for bankruptcy to discharge student loans are those who encountered difficult life circumstances, not middle-class college graduates who refused to pay for their education. Many courts have interpreted the Bankruptcy Code's "undue hardship" provisions too harshly and without compassion. (70 footnotes) (MLF)

  17. Skipping Out on Alma Mater: Some Problems Involving the Collection of Federal Student Loans.

    ERIC Educational Resources Information Center

    Leonard, Kevin J.

    1980-01-01

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

  18. 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..., Privacy, Information and Records Management Services, Office of Management. BILLING CODE 4000-01-P ... addressed to the Director of the Information Collection Clearance Division, U.S. Department of...

  19. 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…

  20. 78 FR 53433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-29

    ...In accordance with section 427A of the Higher Education Act of 1965, as amended, the Chief Operating Officer for Federal Student Aid announces the interest rates for the period July 1, 2013, through June 30, 2014, for certain loans made under the Federal Family Education Loan (FFEL) Program prior to July 1, 2010. The Chief Operating Officer takes this action to give notice of FFEL Program loan......

  1. 78 FR 5433 - Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-25

    ...In accordance with section 427A of the Higher Education Act of 1965, as amended, the Chief Operating Officer for Federal Student Aid announces the interest rates for the period July 1, 2012, through June 30, 2013, for certain loans made under the Federal Family Education Loan (FFEL) Program. The Chief Operating Officer takes this action to give notice of FFEL Program loan interest rates to the......

  2. 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

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

    ERIC Educational Resources Information Center

    Cometsevah, Cecelia L.

    2013-01-01

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

  4. Mitigating Disadvantage: Effects of Small-Scale Schooling on Student Achievement in Alaska.

    ERIC Educational Resources Information Center

    Huang, Gary; Howley, Craig

    1993-01-01

    Analysis of data from the 1989 Alaska Statewide Student Testing Program for grades four, six, and eight shows that, given similar school resources, school climate, and student academic background, the negative effect of a disadvantaged background on student achievement was significantly less in small than in medium or large schools. (KS)

  5. 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,…

  6. 77 FR 58819 - Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-24

    ... Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan Program General Forbearance Request SUMMARY: Borrowers who receive loans through the William D. Ford Federal... to this notice will be considered public records. Title of Collection: William D. Ford Federal...

  7. 34 CFR 674.64 - Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 3 2012-07-01 2012-07-01 false Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks. 674.64 Section 674.64 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM...

  8. 34 CFR 674.64 - Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks. 674.64 Section 674.64 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM...

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

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

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

  10. Equity in the Distribution of HELB Loans in Kenya in Relation to Students Characteristics: An Empirical Analysis

    ERIC Educational Resources Information Center

    Odebero, Stephen O.; Bosire, Joseph N.; Sang, Anthony K.; Ngala, Fredrick B. J.; Ngware, Moses W.

    2007-01-01

    Public funding of higher education in Kenya has gone through various stages all buffeted by myriad equity challenges. This prompted the government of Kenya (GoK) to create the Higher Education Loans Board (HELB), through an Act of parliament in the year 1995. GoK guidelines on loan provision to university students emphasise that deserving cases…

  11. 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…

  12. Stronger Actions Needed to Recover $730 Million in Defaulted National Direct Student Loans. Report by the Comptroller General of the United States.

    ERIC Educational Resources Information Center

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

    The efforts of schools to administer and collect student loans and the actions of the U.S. Department of Education for collecting defaulted loans under the National Direct Student Loan program were investigated. The General Accounting Office visited seven schools in the midwest with default rates ranging from 5.9 to 63.1 percent and obtained…

  13. 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…

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

    ERIC Educational Resources Information Center

    Scott, George A.

    2010-01-01

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

  15. 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. PMID:25461865

  16. 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

  17. Plans for Dropout Prevention and Special School Support Services for American Indian and Alaska Native Students.

    ERIC Educational Resources Information Center

    Reyhner, Jon

    American Indian and Alaska Native students have the highest dropout rate among all ethnic or racial groups, about 30%. Many studies have focused on the supposed deficits of students who drop out, such as intelligence, school attendance, and parental income. Less attention has been given to the deficits of schools and teachers pushing out Native…

  18. 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…

  19. 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…

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

    NASA Astrophysics Data System (ADS)

    Spencer, Vanessa; Solie, Daniel

    2010-02-01

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

  1. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... school may request that the student provide a certified copy of his or her birth certificate, his or her... the requirements of § 60.61. (Approved by the Office of Management and Budget under control numbers... Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH...

  2. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION... not limited to, citizenship status and Social Security number. To comply with this requirement, the... grants previously received by the student for study at an institution of higher education; (3)...

  3. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION... not limited to, citizenship status and Social Security number. To comply with this requirement, the... grants previously received by the student for study at an institution of higher education; (3)...

  4. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION... not limited to, citizenship status and Social Security number. To comply with this requirement, the... grants previously received by the student for study at an institution of higher education; (3)...

  5. 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…

  6. 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…

  7. 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…

  8. 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…

  9. 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…

  10. 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…

  11. 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…

  12. 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.

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

    ScienceCinema

    None

    2013-04-19

    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.

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

    ERIC Educational Resources Information Center

    St. Germaine, Richard

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

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

    ERIC Educational Resources Information Center

    Lipka, Jerry; Adams, Barbara

    2004-01-01

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

  16. State of Alaska Student Financial Aid Programs. 1992-93 Annual Report.

    ERIC Educational Resources Information Center

    Alaska State Commission on Postsecondary Education, Juneau.

    This annual report describes the activities of the Alaska Commission on Postsecondary Education during the 1992-93 fiscal year and the administration of the various student financial aid programs under its direction. It discusses the Commission's mandate, membership, goals, and current functions, including priorities for the coming year and new…

  17. Nurturing Resilience and School Success in American Indian and Alaska Native Students. ERIC Digest.

    ERIC Educational Resources Information Center

    Strand, Joyce A.; Peacock, Thomas D.

    This digest examines recent literature on factors related to resilience, well-being, and school success for American Indian and Alaska Native students. The characteristics of resilient Native youth are discussed, including the ability to bounce back from adversity, and protective factors that enable high-risk resilient children to avoid negative…

  18. 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…

  19. American Indian and Alaska Native Students and U.S. High Schools. Fact Sheet

    ERIC Educational Resources Information Center

    Alliance for Excellent Education, 2008

    2008-01-01

    This fact sheet highlights the statistics of the status of the American Indian and Alaska Native high school students living in the continental United States in terms of: population; graduation, dropouts, and preparedness; schools, segregation, and teacher quality; and special, gifted, and college preparatory education. There are an estimated 4.4…

  20. 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…

  1. 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 private…

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

    PubMed Central

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

    2013-01-01

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

  3. UNAVCO Plate Boundary Observatory 2007 Student Field Assistant Program in the Alaska Region

    NASA Astrophysics Data System (ADS)

    Marzulla, A.; Gasparich, S.; Pauk, B.; Feaux, K.; Jackson, M.

    2007-12-01

    The UNAVCO, Inc. Plate Boundary Observatory (PBO) Student Field Assistant Program strives to engage students in further study and careers in the Earth Sciences. Student Field Assistants from a variety of educational backgrounds ranging from high school graduates to master's level students spend a three to five month field season working in tandem with UNAVCO regional Field Engineers. The students work closely with senior staff to reconnaissance, install, and maintain a network of 875 permanent Global Positioning System (GPS) stations in one of the five PBO regions covering the western United States, including Alaska. Practical skills, such as power tool use, drilling, welding, firearms training, and proper field safety procedures, are taught and expected of the students. Installation and maintenance of new and existing GPS stations composes the bulk of the student's responsibilities and duties. When not in the field, students prepare gear and arrange logistics for site installations and maintenance as well as enter metadata and complete installation reports from recently constructed sites. An understanding of the operations of the GPS receivers and the scientific benefit of the network allows for an appreciation and great attention to detail during installation of the sites. Student assistance in the Alaska region during 2007 PBO AK field season was critical to the successful installation of 36 new GPS stations throughout Alaska. Significant benchmarks of the field season included installing six logistically difficult stations in Prince William Sounds, completing the Denali Fault GPS network, four new tiltmeters on Akutan Volcano, completing all installs on the Seward Peninsula as well as several new GPS stations throughout the western interior of the state. Alaska is a prominent area for much movement and deformation as the Pacific Plate subducts beneath the North American Plate resulting in an area of high volcanic activity and heightened crustal deformation. The

  4. Ethnic identity, drinking motives, and alcohol consequences among Alaska Native and non-Native college students.

    PubMed

    Skewes, Monica C; Blume, Arthur W

    2015-01-01

    This research involves the examination of drinking motives, alcohol consequences, and ethnic identity in a sample of Native and non-Native college student drinkers in Alaska. Although more Alaska Native students are abstinent from alcohol compared to any other ethnic group, Native students who do drink experience greater alcohol consequences and dependence symptoms. Therefore, we attempted to examine the influence of ethnic identity on alcohol consequences in a diverse sample of Native and non-Native students in Alaska. Findings showed that drinking motives, as measured by the Drinking Motives Questionnaire (social, coping, enhancement, and conformity), significantly predicted alcohol consequences after controlling for frequency of monthly binge drinking. In addition, after controlling for depression, binge drinking, and drinking motives, one aspect of ethnic identity (Affirmation, Belonging, and Commitment) was significantly negatively related to alcohol consequences, whereas another aspect of ethnic identity (Ethnic Identity Search) was not. Taken together, these findings suggest that interventions for college student alcohol misuse that target Native students should be culturally grounded and focused on enhancing the Affirmation, Belonging, and Commitment to one's ethnic heritage and should address drinking motives, especially drinking to cope, as a way to reduce alcohol related harm. PMID:25536236

  5. Stafford Student Loans: Prompt Payment of Origination Fees Could Reduce Costs. Report to the Chairman, Permanent Subcommittee on Investigations, Committee on Government Affairs, U.S. Senate.

    ERIC Educational Resources Information Center

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

    A study was done to determine the extent of and reasons for the Department of Education's delayed receipt of origination fees for Stafford Student Loans, and actions needed to facilitate the prompt receipt of the fees. The fees help offset the federal governments' multibillion-dollar cost of subsidizing the Stafford Student Loan Programs. There…

  6. The Use of Academic Achievement Tests and Measurements with American Indian and Alaska Native Students. ERIC Digest.

    ERIC Educational Resources Information Center

    Tippeconnic, John W., III

    This digest focuses on academic testing and American Indian and Alaska Native (AI/AN) students. Ideally, test results should be used to improve student learning. Proponents of high-stakes testing say it is needed to measure student achievement and school quality and to hold students and teachers accountable. High-stakes testing is also used to…

  7. 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…

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

    ERIC Educational Resources Information Center

    Nelson, Steven; Greenough, Richard; Sage, Nicole

    2009-01-01

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

  9. 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

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

    ERIC Educational Resources Information Center

    Blanchette, Cornelia M.

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

  11. 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…

  12. 77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-13

    ... Federal Register. (Presidential Sig.) THE WHITE HOUSE, Washington, June 7, 2012. [FR Doc. 2012-14537 Filed... monthly loan repayments at 10 percent of their discretionary income and be eligible for loan...

  13. 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…

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

    ERIC Educational Resources Information Center

    Jallade, Jean-Pierre

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

  15. 34 CFR 685.218 - Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 4 2011-07-01 2011-07-01 false Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks. 685.218 Section 685.218 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION (CONTINUED) WILLIAM D. FORD FEDERAL...

  16. 34 CFR 682.407 - Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 4 2011-07-01 2011-07-01 false Discharge of student loan indebtedness for survivors of victims of the September 11, 2001, attacks. 682.407 Section 682.407 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION (CONTINUED) FEDERAL FAMILY EDUCATION...

  17. 78 FR 59011 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-25

    ... July 1, 2013, through June 30, 2014. FOR FURTHER INFORMATION CONTACT: Ian Foss, U.S. Department of... first disbursed on or after July 1, 2013, and through June 30, 2014. We publish a separate notice... 6/30/2014 Cohort Index rate 2013-2014 Loan type Student grade level First First 10-Year Margin...

  18. 45 CFR 2528.20 - What steps are necessary to use an education award to repay a qualified student loan?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE USING AN EDUCATION AWARD § 2528.20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required... 45 Public Welfare 4 2012-10-01 2012-10-01 false What steps are necessary to use an education...

  19. 45 CFR 2528.20 - What steps are necessary to use an education award to repay a qualified student loan?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE USING AN EDUCATION AWARD § 2528.20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required... 45 Public Welfare 4 2014-10-01 2014-10-01 false What steps are necessary to use an education...

  20. 45 CFR 2528.20 - What steps are necessary to use an education award to repay a qualified student loan?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false What steps are necessary to use an education award to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE USING AN EDUCATION AWARD § 2528.20 What steps are necessary to use...

  1. 45 CFR 2528.20 - What steps are necessary to use an education award to repay a qualified student loan?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE USING AN EDUCATION AWARD § 2528.20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required... 45 Public Welfare 4 2011-10-01 2011-10-01 false What steps are necessary to use an education...

  2. 45 CFR 2528.20 - What steps are necessary to use an education award to repay a qualified student loan?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 45 Public Welfare 4 2013-10-01 2013-10-01 false What steps are necessary to use an education award to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to Public Welfare (Continued) CORPORATION FOR NATIONAL AND COMMUNITY SERVICE USING AN EDUCATION AWARD § 2528.20 What steps are necessary to use...

  3. 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

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan Program Deferment Request Forms SUMMARY: These forms serve as the means by which borrowers in the William D....

  4. The National Direct Student Loan Program Requires More Attention By the Office of Education and Participating Institutions.

    ERIC Educational Resources Information Center

    Ahart, Gregory J.

    Results of a Government Accounting Office review of the administration of the National Direct Student Loan (NDSL) program by the Office of Education and participating universities is provided. Problems found concerned the need to: (1) provide program guidance at institutions so they can promptly and effectively implement established requirements…

  5. Effect of student loan indebtedness and repayment on resident physicians' cash flow. An analytic model.

    PubMed

    Hernried, J; Binder, L; Hernried, P

    1990-02-23

    Cumulative figures of "average medical student indebtedness," although meaningful, do not convey the effect of loan repayments on residents' cash flow, effect on a resident's value system and residency performance, and effect on trends in health care manpower allocation. Using a computer-based cash flow model, a "typical" house officer with $20,000 in undergraduate indebtedness who is training in a less expensive city will realize a $2390 deficit during internship and negative cash flow throughout a 5-year residency. House officers with extreme indebtedness (greater than $80,000) who are training in an expensive metropolitan area would accumulate an overall deficit approaching $75,000 or more, in excess of their undergraduate indebtedness, during a 5-year residency program. Effects of these findings on residency education and health care manpower issues, along with potential solutions for alleviating residents' cash flow problems, are discussed. PMID:2299783

  6. 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…

  7. 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…

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

    ERIC Educational Resources Information Center

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

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

  9. 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.

  10. Guaranteed Loans: Just Plain Expensive

    ERIC Educational Resources Information Center

    Petri, Thomas E.

    2007-01-01

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

  11. Loan Burdens and Educational Outcomes.

    ERIC Educational Resources Information Center

    Monks, James

    2001-01-01

    Studies the impact of the loan burden of seniors at 27 colleges and universities in 1998 on their plans to pursue graduate and professional degrees. Finds no adverse impact of loan burdens on student postgraduate degree plans. (PKP)

  12. 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

  13. 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

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

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... to the borrower; or (2) If the borrower has no outstanding loan, at the earlier of— (i) Nine months from the date the loan was made, or (ii) The end of a nine-month period that includes the date the...

  15. 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…

  16. An Examination of Business Students' Student Loan Debt and Total Debt

    ERIC Educational Resources Information Center

    Kuzma, Ann T.; Kuzma, John R.; Thiewes, Harold F.

    2010-01-01

    Under the current economic environment and its high levels of unemployment, many people are turning to university education to attain higher education or simply to upgrade their skills and avoid continued unemployment. This paper examines student workloads, debt levels, and the debt perceptions of junior- and senior-level College of Business…

  17. Direct Student Loans Could Save Money and Simplify Program Administration. Statement of Franklin Frazier, Director Education and Employment Issues, Human Resources Division, before the Committee on Labor and Human Resources, United States Senate.

    ERIC Educational Resources Information Center

    Frazier, Franklin

    This document reproduces the testimony on the subject of a recent General Accounting Office report on the relative federal cost of guaranteed and direct student loans in postsecondary and higher education. The comments focus on the potential federal savings associated with substituting Stafford loans with direct loans and the effect that a direct…

  18. 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...

  19. 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…

  20. 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

    ... defaulted loans from schools to continued collection efforts when the school has exhausted all of its... Federal government (i.e., U.S. Department of Education) for collection when the school has exhausted...

  1. Alaska's Urban Boarding Home Program: Interpersonal Relationships Between Indian and Eskimo Secondary Students and Their Boarding Home Parents.

    ERIC Educational Resources Information Center

    Kleinfeld, Judith

    The study explores the interpersonal tensions that develop in an exceptionally intimate and ambiguous cross-cultural relationship--that of Alaska's urban boarding home parents and the Athabascan Indian and Eskimo adolescents placed in their homes while attending urban secondary schools. Many of the students are from remote Alaskan villages which…

  2. 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…

  3. 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…

  4. 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…

  5. 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 this…

  6. 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.…

  7. 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…

  8. 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…

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

    ERIC Educational Resources Information Center

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

    This pamphlet provides basic facts about the U.S. Department of Education's Direct Loan Program for students. These loans include Federal Direct Stafford/Ford Loans, Federal Direct Unsubsidized Stafford/Ford Loans, Direct PLUS Loans, and Direct Consolidation Loans. The pamphlet's sections are: (1) "The Direct Loan Program: What Is It?"; (2) "How…

  10. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-29

    ... not be considered to have used the one- time-only opportunity to regain title IV eligibility by making... rehabilitation provisions in the Perkins Loan Program regulations to define the term ``on-time'' as it relates to...:00 p.m., Washington DC time, Monday through Friday of each week except Federal holidays....

  11. 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....

  12. 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....

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

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-22

    ... Federal Register on October 28, 2009 (74 FR 55626). Electronic Access to This Document: The official... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF EDUCATION 34 CFR Part 668 RIN 1840-AC95 Institutions and Lender Requirements Relating to Education Loans,...

  15. 78 FR 65767 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-01

    ... receive impartial projected. (34 CFR 682.410(b)(9)). hearings. Adds language to clarify that an AWG... costs Withholding (34 CFR loan program. projected. 682.410(b)(9)). Adds language to clarify the maximum... to add necessary participants. language to replace cross- references and reflect program...

  16. Study of the Advantages and Disadvantages of Student Loans to Women.

    ERIC Educational Resources Information Center

    Froomkin (Joseph) Inc., Washington, DC.

    Historically, proportionately fewer women than men enter college and those that enter are faced with higher out-of-pocket expenses. Often they depend on borrowing to meet college costs. This document examines the suitability of existing loan arrangements for financing the postsecondary education of women. It also evaluates other, alternative, loan…

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

    ERIC Educational Resources Information Center

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

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

  20. 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

  1. Creating a path: American Indian/Alaska Native high school students pursuing college and a career in nursing.

    PubMed

    Katz, Janet R; Smart, Denise; Paul, Robbie Nez Perce

    2010-01-01

    The purpose of this quantitative descriptive pre- and post-survey study was to analyze four years of data documenting differences in pre- and post-test responses by American Indian/Alaska Native high school students attending a weeklong residency program. The program was designed to provide information and role models to motivate students to go to college and pursue a career in nursing. The survey measured student perceptions of college and nursing. In addition, the analysis included comparisons of responses between students who lived on reservations and those who did not. Results demonstrated that students changed their views of nursing as a profession, how they would be perceived by their tribe, and the financial security they could gain. Students living on their reservations were concerned that college might be too far from home. Recommendations include the need to provide indigenous students with role models and accurate information as well as mentors to support them. PMID:20678078

  2. 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.

  3. Private Loans and Choice in Financing Higher Education.

    ERIC Educational Resources Information Center

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

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

  4. 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 understood…

  5. Abuses in Federal Student Aid Programs, Hearing Before the Permanent SubCommittee on Investigations of the Committee on Governmental Affairs. United States Senate, One Hundred First Congress, Second Session, Part 3: Lenders, Guarantee Agencies, Loan Servicers, and the Secondary Market (September 25, 26, 1990).

    ERIC Educational Resources Information Center

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

    The congressional hearing report scrutinized the role of banks, guarantee agencies, student loan secondary markets, and loan servicers in the operation of federal student aid programs. Program weaknesses which have contributed towards to abuse and fraudulent practices of federally backed student loans were identified. Witnesses included officials…

  6. 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…

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

    ERIC Educational Resources Information Center

    Nelson, Steven; Greenough, Richard; Sage, Nicole

    2009-01-01

    This document presents a summary of a larger report that focuses on student proficiency reading and math from 2003-04 to 2006-07. The report compares gaps in performance on state achievement tests between grade 8 American Indian and Alaska Native students and all other grade 8 students in 26 states serving large populations of American Indian and…

  8. 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…

  9. 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,…

  10. 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…

  11. 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…

  12. 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.

  13. 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…

  14. 34 CFR 682.100 - The Federal Family Education Loan programs.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ..., and professional students. (2) The Federal Supplemental Loans for Students (SLS) Program, as in effect... consolidating loans: under the Federal Insured Student Loan (FISL), Stafford loan, SLS, ALAS (as in effect...) Within the SLS Program, on loans made under the Federal SLS Program as in effect for periods...

  15. 42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... financial need in the case of students of medicine or osteopathic medicine. A student will be considered to..., the expected contribution from parents, spouse, self or other family members; and (2) The...

  16. 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.…

  17. Loans, Logins, and Lasting the Course: Academic Library Use and Student Retention

    ERIC Educational Resources Information Center

    Haddow, Gaby; Joseph, Jayanthi

    2010-01-01

    Activities and services that improve student engagement and retention in the higher education sector are important not only to individual students' success but also to university planning and funding. This paper reports on a study carried out to explore whether use of the library by new university students is associated with continued enrolment.…

  18. 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…

  19. 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

  20. 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;…

  1. 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…

  2. 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

  3. 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…

  4. 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…

  5. 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…

  6. 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…

  7. 34 CFR 685.201 - Obtaining a loan.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... of funds. The school must disburse the funds to the student. (b) Application for a Direct PLUS Loan. (1) For a parent to obtain a Direct PLUS Loan, the parent must complete the Direct PLUS MPN and... apply for a Direct PLUS Loan, the student must complete a Free Application for Federal Student Aid...

  8. 34 CFR 685.201 - Obtaining a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... of funds. The school must disburse the funds to the student. (b) Application for a Direct PLUS Loan. (1) For a parent to obtain a Direct PLUS Loan, the parent must complete the Direct PLUS MPN and... apply for a Direct PLUS Loan, the student must complete a Free Application for Federal Student Aid...

  9. 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…

  10. 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…

  11. 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 needlessly to wealthier…

  12. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... repayment provisions of 42 CFR 57.314(a)(3)(1976) as adopted on February 4, 1974. These provisions can be... Department's Claims Collection regulations (45 CFR part 30), as appropriate. (5) Disclosure of taxpayer... 42 Public Health 1 2011-10-01 2011-10-01 false Repayment and collection of nursing student...

  13. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... repayment provisions of 42 CFR 57.314(a)(3)(1976) as adopted on February 4, 1974. These provisions can be... Department's Claims Collection regulations (45 CFR part 30), as appropriate. (5) Disclosure of taxpayer... 42 Public Health 1 2013-10-01 2013-10-01 false Repayment and collection of nursing student...

  14. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... repayment provisions of 42 CFR 57.314(a)(3)(1976) as adopted on February 4, 1974. These provisions can be... Department's Claims Collection regulations (45 CFR part 30), as appropriate. (5) Disclosure of taxpayer... 42 Public Health 1 2012-10-01 2012-10-01 false Repayment and collection of nursing student...

  15. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... repayment provisions of 42 CFR 57.314(a)(3)(1976) as adopted on February 4, 1974. These provisions can be... Department's Claims Collection regulations (45 CFR part 30), as appropriate. (5) Disclosure of taxpayer... 42 Public Health 1 2014-10-01 2014-10-01 false Repayment and collection of nursing student...

  16. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... repayment provisions of 42 CFR 57.314(a)(3)(1976) as adopted on February 4, 1974. These provisions can be... Department's Claims Collection regulations (45 CFR part 30), as appropriate. (5) Disclosure of taxpayer... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of nursing student...

  17. 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…

  18. 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…

  19. 34 CFR 682.513 - Factors affecting coverage of a loan under the loan guarantee.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Factors affecting coverage of a loan under the loan guarantee. 682.513 Section 682.513 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student...

  20. Gulf of Alaska, Alaska

    NASA Technical Reports Server (NTRS)

    2002-01-01

    This MODIS true-color image shows the Gulf of Alaska and Kodiak Island, the partially snow-covered island in roughly the center of the image. Credit: Jacques Descloitres, MODIS Land Rapid Response Team

  1. 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…

  2. Unpacking the Placement of American Indian and Alaska Native Students in Special Education Programs and Services in the Early Grades: School Readiness as a Predictive Variable

    ERIC Educational Resources Information Center

    Hibel, Jacob; Faircloth, Susan C.; Farkas, George

    2008-01-01

    In this article, Jacob Hibel, Susan Faircloth, and George Farkas investigate the persistent finding that American Indian and Alaska Native (AI/AN) students are overrepresented in special education. Using data from the kindergarten cohort of the Early Childhood Longitudinal Study, the authors compare the third-grade special education placement rate…

  3. 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…

  4. 34 CFR 682.100 - The Federal Family Education Loan programs.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... students. (2) The Federal Supplemental Loans for Students (SLS) Program, as in effect for periods of... Insured Student Loan (FISL), Stafford loan, SLS, ALAS (as in effect before October 17, 1986), PLUS... under the Federal PLUS Program; (C) Within the SLS Program, on loans made under the Federal SLS...

  5. 34 CFR 682.100 - The Federal Family Education Loan programs.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... students. (2) The Federal Supplemental Loans for Students (SLS) Program, as in effect for periods of... Insured Student Loan (FISL), Stafford loan, SLS, ALAS (as in effect before October 17, 1986), PLUS... under the Federal PLUS Program; (C) Within the SLS Program, on loans made under the Federal SLS...

  6. 34 CFR 682.507 - Due diligence in collecting a loan.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Federal Guaranteed Student Loan Programs § 682.507 Due diligence in collecting a loan. (a) General. (1... borrower's loan application. If these efforts are unsuccessful, the lender promptly shall attempt to...

  7. 34 CFR 682.507 - Due diligence in collecting a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Student Loan Programs § 682.507 Due diligence in collecting a loan. (a) General. (1) Except as provided in... borrower's loan application. If these efforts are unsuccessful, the lender promptly shall attempt to...

  8. '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.

  9. Post-Baccalaureate Enrollment Patterns: Exploring the Relationship between Undergraduate Student Loan Borrowing Level and Timing of Initial Entry to Master's Degree or First Professional Degree Programs

    ERIC Educational Resources Information Center

    Maliwesky, Martin J.

    2012-01-01

    This study was undertaken to (a) expand scholarship on the impact of undergraduate student loan borrowing level on the timing of initial entry to master's degree or first professional degree programs, and (b) to assist higher education policy makers and practitioners in serving the needs of students as they progress through the various stages…

  10. 34 CFR 682.508 - Assignment of a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs... assignee acquires a legally enforceable right to receive payment from the borrower on the assigned...

  11. 76 FR 29707 - Fishing Capacity Reduction Program for the Southeast Alaska Purse Seine Salmon Fishery

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-23

    ... Program for the Southeast Alaska Purse Seine Salmon Fishery AGENCY: National Marine Fisheries Service... an industry fee system to repay a $23.5 million loan for the Southeast Alaska Purse Seine Salmon... Mail: Paul Marx, Chief, Financial Services Division, NMFS, Attn: SE Alaska Purse Seine...

  12. 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.

  13. 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

    ... schools to continued collection efforts when the school has exhausted all of its efforts in recovering an... government (i.e., U.S. Department of Education) for collection when the school has exhausted all efforts in... defaulted loans from schools to continued collection efforts when the school has exhausted all of...

  14. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  15. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  16. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

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

  17. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  18. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  19. 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:

  20. Alaska Native Land Claims. [Textbook].

    ERIC Educational Resources Information Center

    Arnold, Robert D.; And Others

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

  1. 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…

  2. 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…

  3. 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,…

  4. 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.

  5. 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…

  6. American Indian/Alaska Native Voices in the Model of Institutional Adaptation to Student Diversity

    ERIC Educational Resources Information Center

    Guillory, Raphael; Wolverton, Mimi; Appleton, Valerie

    2008-01-01

    Richardson and Skinner (1991) in their Model of Institutional Adaptation to Student Diversity (MIASD) assert that state higher education boards have significant influence on the degree to which institutions respond to student diversity. The purpose of the study (conducted in the 2001-2002 school year) reported in this article was to determine…

  7. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Security for loans. 57.1510 Section 57.1510 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 Guarantees and Interest Subsidies to Assist in Construction...

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

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Limitations applicable to loan guarantee. 57.1507 Section 57.1507 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 Guarantees and Interest Subsidies...

  9. 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 Guarantees and Interest Subsidies to Assist...

  10. 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 Guarantees and Interest Subsidies to Assist in...

  11. 34 CFR 682.102 - Obtaining and repaying a loan.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... cancelled if the student is unable to complete his or her program of study because the school closed or the... teaching or child care professions. (2) Stafford loan repayment. In the case of a subsidized Stafford loan... interest payments on the borrower's behalf. In the case of an unsubsidized Stafford loan, the borrower...

  12. 76 FR 35936 - Alaska Disaster #AK-00020

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-20

    ... From the Federal Register Online via the Government Publishing Office U.S. SMALL BUSINESS ADMINISTRATION Alaska Disaster AK-00020 AGENCY: U.S. Small Business Administration. ACTION: Notice. SUMMARY: This... completed loan applications to: U.S. Small Business Administration, Processing and Disbursement...

  13. 78 FR 39822 - Alaska Disaster #AK-00028

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-02

    ... From the Federal Register Online via the Government Publishing Office SMALL BUSINESS ADMINISTRATION Alaska Disaster AK-00028 AGENCY: U.S. Small Business Administration. ACTION: Notice SUMMARY: This... Deadline Date: 03/25/2014. ADDRESSES: Submit completed loan applications to: U.S. Small...

  14. 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…

  15. 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…

  16. 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…

  17. 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…

  18. 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

  19. 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…

  20. Scanning Productivity in Interlibrary Loan

    ERIC Educational Resources Information Center

    Pedersen, Wayne A.; Runestad, Anders

    2009-01-01

    The authors report findings of a research study conducted at the Iowa State University Library. Data was gathered on the scanning of library materials by students working in the Interlibrary Loan (ILL) unit. The goals of the study were fourfold: (1) Develop measures of scanning productivity in ILL, (2) Determine if it is more productive to scan…

  1. Credit: Educational Loans, Money Management, Credit Cards

    ERIC Educational Resources Information Center

    Nation's Schools and Colleges, 1974

    1974-01-01

    Brief notes discuss current developments such as a bank loan program for parents with university-age children; a high school student-run credit union; and charging education fees with credit cards. (JF)

  2. 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…

  3. 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…

  4. The American Indian and Alaska Native Student's Guide to College Success

    ERIC Educational Resources Information Center

    Pavel, D. Michael; Inglebret, Ella

    2007-01-01

    This book will help Native people clarify their postsecondary aspirations, improve their college choice, and increase their success in college. After a thorough examination of the issues that should be considered, the authors present the different types of colleges available, programs and services to meet the special needs of Native students, and…

  5. The National Educational Loan Bank: A Proposal for Improving the System of Lending for Higher Education. Working Paper, Preliminary Draft.

    ERIC Educational Resources Information Center

    Deitch, Kenneth M.

    A National Education Loan Bank (NELB) is proposed as an alternative to existing federal loan programs for education, such as the National Direct Student Loan program and the Guaranteed Student Loan program. The history and structures of these two programs are detailed: financing, costs, insurance arrangements, agencies, volume, and interest rates.…

  6. A longitudinal study of tobacco use among American Indian and Alaska Native tribal college students

    PubMed Central

    2010-01-01

    Background American Indians (AI) have the highest smoking rates of any ethnic group in the US (40.8%), followed most closely by African Americans (24.3%) and European Americans (23.6%). AI smokers also have more difficulty quitting smoking compared to other ethnic groups, evidenced by their significantly lower quit ratios, and are among the least successful in maintaining long term abstinence. While health disparities like these have existed for years among AI, the epidemiology of smoking and nicotine dependence has not been optimally described among this underserved population. Our overarching hypothesis is that the susceptibility of AI to cigarette smoking and nicotine dependence and its consequences has both an underlying nicotine metabolism component as well as psychosocial, cultural, and environment causes. We are well-positioned to explore this issue for the first time in this population. Our objective is to establish a cohort of AI tribal college/university students to determine the predictors of smoking initiation (non-use to experimentation), progression (experimentation to established use), and cessation (established use to cessation). Much of what is known about the process of smoking initiation and progression comes from quantitative studies with non-Native populations. Information related to smoking use among AI tribal college/university (TCU) students is entirely unknown and critically needs further investigation. This study will be the first of its kind among AI college students who are at the highest risk among all ethnic groups for tobacco dependence. Methods/design First year students at Haskell Indian Nations University in Kansas will be recruited over four consecutive years and will be surveyed annually and repeatedly through year 5 of the study. We will use both longitudinal quantitative surveys and qualitative focus group methods to examine key measures and determinants of initiation and use among this high risk group. PMID:20955575

  7. 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…

  8. 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.

  9. Borrowers Who Drop Out: A Neglected Aspect of the College Student Loan Trend. National Center Report #05-2

    ERIC Educational Resources Information Center

    Gladieux, Lawrence; Perna, Laura

    2005-01-01

    This report examines the experiences of students who borrow to finance their education, but do not complete their postsecondary programs. Using the latest comprehensive data, this report compares borrowers who drop out with other groups of students, and provides recommendations on policies and programs that would better prepare, support, and guide…

  10. “What makes life good?” Developing a culturally grounded quality of life measure for Alaska Native college students

    PubMed Central

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

    2013-01-01

    Background Alaska Native (AN) college students experience higher attrition rates than their non-Native peers. Understanding the factors that contribute to quality of life (“what makes life good”) for AN students will help inform supportive programs that are congruent with their culture and college life experiences. Objectives Co-develop a conceptual model and a measure of quality of life (QOL) that reflects the experiences of AN college students. Methods Six focus groups were conducted with 26 AN college students. Within a community–academic partnership, interactive data collection activities, co-analysis workgroup sessions and an interactive findings forum ensured a participant-driven research process. Findings Students identified and operationally defined eight QOL domains (values, culture and traditions, spirituality, relationships, basic needs, health, learning and leisure). The metaphor of a tree visually illustrates how the domains values, culture and traditions and spirituality form the roots to the other domains that appear to branch out as students navigate the dual worldviews of Native and Western ways of living. Conclusions The eight QOL domains and their items identified during focus groups were integrated into a visual model and an objective QOL measure. The hope is to provide a useful tool for developing and evaluating university-based programs and services aimed toward promoting a positive QOL and academic success for AN students. PMID:23984302

  11. 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)

  12. Loans for Adult Learners: A Postsecondary Education Perspective.

    ERIC Educational Resources Information Center

    Arbeiter, Solomon

    1979-01-01

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

  13. 34 CFR 682.204 - Maximum loan amounts.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... academic year in 34 CFR 668.3. (m) Any TEACH Grants that have been converted to Direct Unsubsidized Loans... amount the student may borrow for any academic year of study under the Stafford Loan Program in... undergraduate program, the total amount the student may borrow for any academic year of study under the...

  14. 42 CFR 57.313 - Loan cancellation for full-time employment as a registered nurse.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Loan cancellation for full-time employment as a registered nurse. 57.313 Section 57.313 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 Student Loans...

  15. 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…

  16. 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.…

  17. 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…

  18. 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

    ..., NMFS published proposed regulations in the Federal Register (76 FR 29707) to implement the program... 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...

  19. 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…

  20. One-to-One in Alaska: In the Remote Alaskan Interior, Students are Reaping the Benefits of Laptop Computing

    ERIC Educational Resources Information Center

    McHale, Tom

    2007-01-01

    Each school, district, or state has a unique set of circumstances and obstacles to deal with in implementing a one-to-one laptop program. That is especially true of Denali Borough School District in Alaska. Located in the Alaskan interior, it encompasses Denali National Park (with North America's tallest mountain), covers more than 12,000 square…

  1. 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 value) modules…

  2. 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…

  3. 34 CFR 685.101 - Participation in the Direct Loan Program.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... CFR part 600, and the Direct Loan Program. A school permitted to participate in both the FFEL Program... parent to obtain a loan to pay for the student's cost of attendance at the school. (2) The Secretary...

  4. Anchorage Kindergarten Profile: Implementing the Alaska Kindergarten Developmental Profile.

    ERIC Educational Resources Information Center

    Fenton, Ray

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

  5. 7 CFR 1738.22 - Loan security.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.22 Loan... for the loan free from liens or security interests, other than those securing the RUS loan. (d) In...

  6. 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…

  7. 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…

  8. National Indian Education Study Part I: The Performance of American Indian and Alaska Native Fourth-and Eighth-Grade Students on NAEP 2005 Reading and Mathematics Assessments Statistical Analysis Report. NCES 2006-463

    ERIC Educational Resources Information Center

    Rampey, B.D.; Lutkus, Anthony D.; Weiner, Arlene W.; Rahman, Taslima

    2006-01-01

    The National Indian Education Study is a two-part study designed to describe the condition of education for American Indian/Alaska Native students in the United States. The study was conducted by the National Center for Education Statistics for the U.S. Department of Education, with the support of the Office of Indian Education. This report, Part…

  9. 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,…

  10. 34 CFR 685.203 - Loan limits.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... academic year, as defined in 34 CFR 668.3. (i) Treatment of Direct Consolidation Loans and Federal... program, the total amount the student may borrow for any academic year of study under the Federal Direct... successfully completed the remainder of the program, the total amount the student may borrow for any...

  11. 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…

  12. 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...

  13. 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

  14. 42 CFR 57.214 - Repayment of loans made after November 17, 1971, for failure to complete a program of study.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.214 Repayment of loans made... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment of loans made after November 17, 1971, for failure to complete a program of study. 57.214 Section 57.214 Public Health PUBLIC HEALTH...

  15. 42 CFR 57.214 - Repayment of loans made after November 17, 1971, for failure to complete a program of study.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.214 Repayment of loans made... 42 Public Health 1 2011-10-01 2011-10-01 false Repayment of loans made after November 17, 1971, for failure to complete a program of study. 57.214 Section 57.214 Public Health PUBLIC HEALTH...

  16. American Higher Education, High Tuition, and High Student Loans: The Debt Implications for Students during and after College Case Studies at the University of Hawai`i

    ERIC Educational Resources Information Center

    Au, Helen O.

    2012-01-01

    The purpose of this study was intended to examine the inner voices behind the students' choices of American higher education and their persistence in college in relation to financial factors, especially the student financial aid programs and their debt burdens during and after college. Case studies were used to answer the three research…

  17. 7 CFR 1751.103 - Loan and loan advance requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... eligibility requirements in relation to the Modernization Plan, see 7 CFR part 1735. In particular, beginning February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for...

  18. 7 CFR 1751.103 - Loan and loan advance requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... eligibility requirements in relation to the Modernization Plan, see 7 CFR part 1735. In particular, beginning February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for...

  19. 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…

  20. 34 CFR 668.212 - Loan servicing appeals.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Program lender or the Direct Loan Servicer, as defined in 34 CFR 685.102, failed to perform one or more of... EDUCATION, DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Cohort Default Rates § 668.212 Loan.... (2) From the group of borrowers identified under paragraph (d)(1) of this section, the data...

  1. 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...

  2. 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...

  3. 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…

  4. Web Sites that Compare Loans Gain Users, Lose Lenders

    ERIC Educational Resources Information Center

    Norton, Ingrid

    2008-01-01

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

  5. 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,…

  6. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Residential real estate loans, small business... 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...

  7. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  8. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-07

    ... borrowers who have received forgiveness benefits during the preceding fiscal year and have not yet completed... Legal Assistance Attorney Student Loan Repayment Program and the Loan Forgiveness for Service in Areas... Forgiveness Program under section 455(m) of the HEA, 20 U.S.C 1087e(m). Requirements Terms of...

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

    ERIC Educational Resources Information Center

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

    2015-01-01

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

  10. 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…

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

    ERIC Educational Resources Information Center

    Kelderman, Eric

    2008-01-01

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

  12. The Use of Grants and Loans To Help Finance Undergraduate Education.

    ERIC Educational Resources Information Center

    Noell, Jay

    This paper analyzes the use of student grants and loans among undergraduates in the 1989-90 academic year. It discusses the issue of using loans to finance undergraduate education, and explores who among current undergraduates receive grants and loans. It also investigates the cumulative amounts of education debt taken on by undergraduate students…

  13. 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...

  14. 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),…

  15. Adventures in the Alaska Economy.

    ERIC Educational Resources Information Center

    Jackstadt, Steve; Huskey, Lee

    This publication was developed to increase students' understanding of basic economic concepts and the historical development of Alaska's economy. Comics depict major historical events as they occurred, but specific characters are fictionalized. Each of nine episodes is accompanied by several pages of explanatory text, which enlarges on the episode…

  16. Federal Student Aid: Progress in Integrating Pell Grant and Direct Student Loan Systems and Processes, but Critical Work Remains. Report to the Secretary of Education.

    ERIC Educational Resources Information Center

    Powner, David A.

    To address system problems and other management weaknesses, in 1998 Congress created the Office of Federal Student Aid (FSA) within the Department of Education. This office adopted a new approach to systems integration using middleware (software that can allow an application to access data residing indifferent databases) and Extensible Markup…

  17. The Parent Loan Trap

    ERIC Educational Resources Information Center

    Wang, Marian; Supiano, Beckie; Fuller, Andrea

    2012-01-01

    As the cost of college has spiraled ever upward and median family income has fallen, the loan program, called Parent PLUS, has become indispensable for increasing numbers of parents desperate to make their children's college plans work. Last year the government disbursed $10.6-billion in Parent PLUS loans to just under a million families. Even…

  18. Federal-Loan Changes May Curb Graduate Study

    ERIC Educational Resources Information Center

    Patton, Stacey

    2012-01-01

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

  19. Alaska Resource Data File, Noatak Quadrangle, Alaska

    USGS Publications Warehouse

    Grybeck, Donald J.; Dumoulin, Julie A.

    2006-01-01

    This report gives descriptions of the mineral occurrences in the Noatak 1:250,000-scale quadrangle, Alaska. The data presented here are maintained as part of a statewide database on mines, prospects and mineral occurrences throughout Alaska.

  20. The Inventive Mind: Portraits of Rural Alaska Teachers.

    ERIC Educational Resources Information Center

    McDiarmid, G. Williamson; And Others

    This series of case studies profiles six teachers thought by colleagues, students, and the rural Alaska communities they serve to be good teachers. The case studies reported here describe the techniques that make these teachers responsive and perceptive in their interactions with Alaska Native students. The names of the teachers and the villages…

  1. Collection of University Loans. A New Alternative

    ERIC Educational Resources Information Center

    Seal, John C.

    1975-01-01

    Discusses the deterrent effect large loans may have on a student's choice of college or vocation and presents the Yale Tuition Postponement Plan, the Duke University Tuition Plan, and the Cornell Piolot Tuition Program, and formulates a new approach to tuition postponement. (PG)

  2. Contingent Repayment Education Loans Related to Income.

    ERIC Educational Resources Information Center

    Brannon, Gerard M.

    This paper explores some questions about the use of income for determining repayment of educational loans. The plans generally call for a level of repayment to cover the initial advances, plus interest for a college graduate with average income, but would require less than full repayment for the students with low income, and over full repayment…

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

    ERIC Educational Resources Information Center

    Gandhi, Sima J.

    2008-01-01

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

  4. At 427 Institutions, 60 Pct. of Loan Money Found to Be Overdue.

    ERIC Educational Resources Information Center

    Wilson, Robin

    1987-01-01

    A study to examine the repayment of Guaranteed Student Loans is described. It found that most of the institutions with more than 60 percent of their student loans in default are proprietary schools. The study is aimed at helping state and federal policymakers make decisions on student-aid programs. (MLW)

  5. 34 CFR 682.207 - Due diligence in disbursing a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... institution of higher education. (C) In the case of a student enrolled in a study-abroad program approved for... study-abroad program, prior to each disbursement of Stafford loan funds directly to a student by— (A... enrollment status for which the loan was certified. (B) For a student enrolled in a study-abroad...

  6. Alaska volcanoes guidebook for teachers

    USGS Publications Warehouse

    Adleman, Jennifer N.

    2011-01-01

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

  7. Bipartisan Student Loan Certainty Act

    THOMAS, 113th Congress

    Sen. Manchin, Joe, III [D-WV

    2013-06-27

    06/27/2013 Introduced in the Senate. Read twice. Ordered Placed on Senate Legislative Calendar under General Orders. Calendar No. 125. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  8. Comprehensive Student Loan Protection Act

    THOMAS, 113th Congress

    Sen. Coburn, Tom [R-OK

    2013-05-21

    06/06/2013 Cloture on the motion to proceed to measure not invoked in Senate by Yea-Nay Vote. 40 - 57. Record Vote Number: 142. (consideration: CR S3976-3977; text: CR S3977) (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  9. Loans for Learning. Briefing Note

    ERIC Educational Resources Information Center

    Cedefop - European Centre for the Development of Vocational Training, 2011

    2011-01-01

    A good loan scheme must balance costs with coverage. If loans are too expensive then people will not borrow. Governments are not banks, but they provide or support loans for many things, including education and training. Governments too need to get the balance right. Cedefop surveyed 35 education and training loan schemes in Europe, examining…

  10. 77 FR 47374 - Notice of Proposed Information Collection Requests; Federal Student Aid; William D. Ford Federal...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-08

    ... Notice of Proposed Information Collection Requests; Federal Student Aid; William D. Ford Federal Direct... William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL) Programs may... of Collection: William D. Ford Federal Direct Loan (Direct Loan) Program/Federal Family Loan...

  11. Cross Cultural Scientific Communication in Alaska

    NASA Astrophysics Data System (ADS)

    Bertram, K. B.

    2006-12-01

    An example of cross-cultural education is provided by the Aurora Alive curriculum. Aurora Alive communicates science to Alaska Native students through cross-cultural educational products used in Alaska schools for more than a decade, including (1) a CDROM that provides digital graphics, bilingual (English and Athabascan language) narration-over-text and interactive elements that help students visualize scientific concepts, and (2) Teacher's Manuals containing more than 150 hands-on activities aligned to national science standards, and to Alaska Standards for Culturally Responsive Schools. Created by Native Elders and teachers working together with University Alaska Fairbanks Geophysical Institute scientists, Aurora Alive blends Native "ways of knowing" with current "western" research to teach the physics and math of the aurora.

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

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., small business, or small farm loans, or concerns about the bank's overall credit risk management systems... 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...

  13. 7 CFR 4279.224 - Loan processing.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Biorefinery Assistance Loans § 4279.224 Loan processing. Processing of Biorefinery Assistance Guaranteed loans under this...

  14. 7 CFR 4279.224 - Loan processing.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Biorefinery Assistance Loans § 4279.224 Loan processing. Processing of Biorefinery Assistance Guaranteed loans under this...

  15. 7 CFR 4279.224 - Loan processing.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Biorefinery Assistance Loans § 4279.224 Loan processing. Processing of Biorefinery Assistance Guaranteed loans under this...

  16. Colleges Scramble to Help Students Find New Lenders

    ERIC Educational Resources Information Center

    Supiano, Beckie

    2008-01-01

    Recent turbulence in the student-loan business has colleges scrambling to find new loan providers. Financial-aid offices at affected colleges are working hard to get the word out to students. Changes in the loan market have hit community colleges particularly hard because their students tend to have smaller loans and higher default rates than…

  17. Computer Assisted Financial Aid Disbursement and Loan Collection

    ERIC Educational Resources Information Center

    Miller, Larry K.

    1975-01-01

    Describes the computer assisted system in use at Washington State University. It controls and reports funds requested by students, offered to students, and disbursed to students, writes financial aid checks, prepares fiscal year-end statements and performs loan collection processes according to federal government regulations, and provides internal…

  18. Making Loans Work: How Community Colleges Support Responsible Borrowing

    ERIC Educational Resources Information Center

    Burdman, Pamela

    2012-01-01

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

  19. GSLP Loan Estimation Model. Volume 1, Introduction and Summary-Disbursement Data. Volume 2, Borrower, Lender and Institutional Characteristics. Volume 3, Claims Characteristics. Volume 4, Loan Flow and Simplex Models.

    ERIC Educational Resources Information Center

    Systems Group, Inc., Washington, DC.

    Volumes 1-4 of the GSLP Loan Estimation Model present the historical and legislative background of the Guaranteed Student Loan Program, give an analysis of the data base used to develop the GSLP Loan Estimation Model, and discuss the development and operation of the model. Volume 1 provides a brief description of the legislative authority for the…

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

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... student meets the borrower eligibility requirements of § 685.200. Except as provided in 34 CFR part 668... with 34 CFR 668.3. (ii) The maximum period for which a school may originate a Direct Loan is— (A) Generally an academic year, as defined by the school in accordance with 34 CFR 668.3, except that the...