Science.gov

Sample records for alaska student loan

  1. 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…

  2. Repaying Your Student Loans.

    ERIC Educational Resources Information Center

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

    This guide explains available repayment options for federal student loans so that students can repay their debts successfully. It also tells the steps students should take so that they will not get behind in payments or go into default. It is emphasized that federal student loans are real loans, just like car loans or mortgages, that must be…

  3. Student Loans in Nigeria.

    ERIC Educational Resources Information Center

    Chuta, E. J.

    1992-01-01

    This article describes the operation of the student loan program in Nigeria, including its past problems and current attempts of the Nigerian Students Loans Board to improve efficiency of loan collection. It proposes the establishment of a new Education Bank to finance student loans and other forms of investment in higher education. (Author/DB)

  4. 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…

  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. Student Loan Financing.

    ERIC Educational Resources Information Center

    Ginsberg, Edward; Ginsberg, Susan

    1989-01-01

    The Guaranteed Student Loan program is big business and risky for everyone except the lending institutions. Students who default on their loans now risk tougher penalties, and the federal government must foot the bill when students don't repay. The default problem varies by state and lending institution. Some California figures are provided. (MLH)

  8. Student Loans: Risks and Realities.

    ERIC Educational Resources Information Center

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

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

  9. Student Loans: Alternatives for Reauthorization.

    ERIC Educational Resources Information Center

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

    The papers presented at the symposium include: Student Loans: Some Practical Radical Alternatives (D. Bruce Johnstone); Solving the Student Loan Problem by Supplementing Government Loan Policy--An Expanded Role for Institutional Aid Administrators in the 1980's (Kurt L. Kendis); Estimating Manageable Educational Loan Limits for Graduate and…

  10. The Selling of Student Loans

    ERIC Educational Resources Information Center

    Field, Kelly

    2007-01-01

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

  11. 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,…

  12. 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…

  13. 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…

  14. 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…

  15. 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…

  16. 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…

  17. 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…

  18. Trouble Ahead for Student Loans?

    ERIC Educational Resources Information Center

    Ergungor, O. Emre; Hathaway, Ian

    2008-01-01

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

  19. Educating medical students for Alaska.

    PubMed

    Fortuine, R; Dimino, M J

    1998-01-01

    Because Alaska does not have its own medical school, it has become part of WAMI (Washington, Alaska, Montana, Idaho), an educational agreement with the University of Washington School of Medicine (UWSM). Each year, 10 Alaskans are accepted into the entering class of UWSM and spend their first year at the University of Alaska Anchorage (UAA). UWSM third- and fourth-year medical students can obtain some of their clinical experience in Alaska. To meet the needs of Alaska, students are chosen based on academic and personal records, as well as the likelihood of their returning to Alaska for practice. To this end, over the last seven years 30% of accepted students have come from rural communities and 10% are Alaska Natives. The curriculum for the first year includes several sessions dedicated to Alaska health problems, cross-cultural issues, and Alaska's unique rural health care delivery system. Students do two preceptorships--one with a private primary care physician and one with a physician at the Alaska Native Medical Center. Additionally, students have the option to spend a week at a rural site to learn about the community's health care system. An Alaska track is being developed whereby an Alaskan UWSM student can do most of the third year in state via clerkships in family medicine, obstetrics/gynecology, psychiatry, internal medicine, and pediatrics. All UWSM students at the end of their first year can elect to participate for one month in the R/UOP (Rural/Underserved Opportunities Program), which includes several Alaska sites. The overall goals of these approaches are to educate UWSM students, especially Alaskans, about the state's health needs and health care system and to encourage UWSM graduates to practice in the state.

  20. 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…

  1. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  2. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

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

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  4. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

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

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 5 CFR 537.103 - Agency student loan repayment plans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  11. 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…

  12. 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…

  13. 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…

  14. 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…

  15. 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…

  16. Student Loans Reform in China: Problems and Challenges

    ERIC Educational Resources Information Center

    Wei, Jianguo; Wang, Rong

    2009-01-01

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

  17. Guaranteed Student Loans: GAO High Risk Series.

    ERIC Educational Resources Information Center

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

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

  18. 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)

  19. 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…

  20. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  1. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  2. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form....

  3. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form....

  4. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

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

  5. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

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

  6. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

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

  7. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  8. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  9. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  10. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  11. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form....

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

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  13. 42 CFR 57.205 - Health professions student loan funds.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  14. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form....

  15. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form....

  16. 42 CFR 60.51 - The student loan application.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

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

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  18. 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…

  19. Evaluating the Student Loan Fund of Thailand

    ERIC Educational Resources Information Center

    Tangkitvanich, Somkiat; Manasboonphempool, Areeya

    2010-01-01

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

  20. 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…

  1. Exit Counseling Guide for Federal Student Loan Borrowers

    ERIC Educational Resources Information Center

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

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

  2. Advantages and Disadvantages of Student Loans Repayment Patterns

    ERIC Educational Resources Information Center

    Shen, Hua

    2010-01-01

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

  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. 12 CFR 1090.106 - Student loan servicing market.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Student loan servicing market. 1090.106 Section... CERTAIN CONSUMER FINANCIAL PRODUCT AND SERVICE MARKETS Markets § 1090.106 Student loan servicing market... with respect to which a nonbank covered person is considered to perform student loan...

  5. 3 CFR - Improving Repayment Options for Federal Student Loan Borrowers

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 3 The President 1 2013-01-01 2013-01-01 false Improving Repayment Options for Federal Student Loan... Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education the Secretary of the Treasury More individuals than ever before are using student loans to finance college. Nearly two-thirds...

  6. Federal Credit Programs and Cointegration: The Case of Student Loans.

    ERIC Educational Resources Information Center

    Hungerford, Thomas; Upshaw, Wayne

    1994-01-01

    Focuses on a specific federal credit program (the guaranteed student loan program), using the Engle and Granger two-step procedure to estimate an error correction model of commercial student loan supply. Results indicate that the secondary market is an important determinant of commercial student loan lending and that commercial supply is inelastic…

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

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  8. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  9. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Selection of students for loans. 674.10 Section 674.10... students for loans. (a)(1) An institution shall make loans under this part reasonably available, to the extent of available funds, to all students eligible under § 674.9 but shall give priority to...

  10. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Selection of students for loans. 674.10 Section 674.10... students for loans. (a)(1) An institution shall make loans under this part reasonably available, to the extent of available funds, to all students eligible under § 674.9 but shall give priority to...

  11. 34 CFR 674.10 - Selection of students for loans.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  12. 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…

  13. 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…

  14. The Student Loan Handbook. All about the Guaranteed Student Loan Program and Other Forms of Financial Aid for College Students and Their Parents.

    ERIC Educational Resources Information Center

    Chandler, Lana J.; Boggs, Michael D.

    The Guaranteed Student Loan Program (GSLP) and other forms of financial aid are described under the following headings: (1) the Guaranteed Student Loan Program (what the program is; how much and when to borrow; the student loan; the Parent Loans for Undergraduate Students (PLUS) Program; guidelines for the independent undergraduate--the…

  15. 42 CFR 60.52 - The student's loan check.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false The student's loan check. 60.52 Section 60.52 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...

  16. 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...

  17. 42 CFR 60.52 - The student's loan check.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false The student's loan check. 60.52 Section 60.52 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...

  18. 42 CFR 60.52 - The student's loan check.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false The student's loan check. 60.52 Section 60.52 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...

  19. 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...

  20. 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…

  1. 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…

  2. 77 FR 59311 - Federal Student Aid Programs (Student Assistance General Provisions, Federal Perkins Loan Program...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-27

    ... the student with a larger title IV, HEA program loan debt. The Secretary is issuing these waivers and... the student, notify the National Student Loan Data System, or refer the overpayment to the Secretary... a parent PLUS loan; or using the credit balance to reduce the student's title IV loan debt (with...

  3. 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…

  4. 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,…

  5. 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...

  6. 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...

  7. 42 CFR 57.210 - Repayment and collection of health professions student loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 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...

  8. 42 CFR 57.207 - Maximum amount of health professions student loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Maximum amount of health professions student loans... 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...

  9. 42 CFR 57.207 - Maximum amount of health professions student loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Maximum amount of health professions student loans... 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...

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

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 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...

  11. 42 CFR 57.210 - Repayment and collection of health professions student loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 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...

  12. 42 CFR 57.210 - Repayment and collection of health professions student loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 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...

  13. 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...

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

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Maximum amount of health professions student loans... 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...

  15. 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…

  16. 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…

  17. 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…

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

    ERIC Educational Resources Information Center

    Menges, Kathleen K.; Leonhard, Christoph

    2016-01-01

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

  19. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing student loan, including accrued interest, will be repayable in equal or graduated periodic installments...

  20. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing student loan, including accrued interest, will be repayable in equal or graduated periodic installments...

  1. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing student loan, including accrued interest, will be repayable in equal or graduated periodic installments...

  2. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing student loan, including accrued interest, will be repayable in equal or graduated periodic installments...

  3. 42 CFR 57.310 - Repayment and collection of nursing student loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Repayment and collection of nursing student loans... LOANS Nursing Student Loans § 57.310 Repayment and collection of nursing student loans. (a) Each nursing student loan, including accrued interest, will be repayable in equal or graduated periodic installments...

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

    ERIC Educational Resources Information Center

    Ashby, Cornelia M.

    2005-01-01

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

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

    ERIC Educational Resources Information Center

    McCormick, Joe Lew

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

  6. 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)

  7. 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)

  8. 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…

  9. 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…

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

    ERIC Educational Resources Information Center

    Ishitani, Terry T.; McKitrick, Sean A.

    2016-01-01

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

  11. Criteria for the Evaluation of Student Loan Alternatives.

    ERIC Educational Resources Information Center

    Dresch, Stephen P.

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

  12. 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…

  13. 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…

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

    ERIC Educational Resources Information Center

    Flynt, R. C. M.

    1946-01-01

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

  15. Paying for College: Student Loans and Alternative Financing Mechanisms.

    ERIC Educational Resources Information Center

    Eureka Project, Sacramento, CA.

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

  16. 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…

  17. Debts could deter nursing entry as student loans replace bursaries.

    PubMed

    Sprinks, Jennifer

    2015-12-01

    The government's decision to scrap bursaries for nursing students in England and replace them with loans will saddle many graduates with debt and deter entry into the profession, nursing unions and students warn.

  18. 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... institution to sign such transcripts on behalf of the institution. (b) Selection of nursing student...

  19. 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... institution to sign such transcripts on behalf of the institution. (b) Selection of nursing student...

  20. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Health professions student loan promissory note and..., 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...

  1. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Health professions student loan promissory note and..., 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...

  2. 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... institution to sign such transcripts on behalf of the institution. (b) Selection of nursing student...

  3. 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... institution to sign such transcripts on behalf of the institution. (b) Selection of nursing student...

  4. 42 CFR 57.306 - Eligibility and selection of nursing student loan applicants.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Eligibility and selection of nursing student loan... STUDENT LOANS Nursing Student Loans § 57.306 Eligibility and selection of nursing student loan applicants... institution to sign such transcripts on behalf of the institution. (b) Selection of nursing student...

  5. 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...

  6. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Health professions student loan promissory note and..., 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...

  7. 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…

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

    PubMed

    Weiler, W C

    1976-06-01

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

  9. 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…

  10. Student Loan Options: What Is Happening? Policy Brief.

    ERIC Educational Resources Information Center

    Ottinger, Cecilia

    Recent efforts by several states and colleges to establish new student loan programs are described, based in part on a policy seminar held in September 1982. Prospects and problems of the options are also considered. Several higher education institutions are developing loan programs that follow conventional financing methods and do not utilize…

  11. 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…

  12. 5 CFR 537.108 - Loss of eligibility for student loan repayment benefits.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... equivalent) or higher, as described in 5 CFR 430.208(d). An employee loses eligibility for student loan... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Loss of eligibility for student loan... SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.108 Loss of eligibility for student loan...

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

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Payment of health professions student loans. 57.209... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.209 Payment of health professions student loans. (a)...

  14. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing...

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

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  16. 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...

  17. 42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 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 professions student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible...

  18. 42 CFR 57.311 - Cancellation of nursing student loans for disability or death.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  19. 42 CFR 57.307 - 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing...

  20. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.209 Payment of health professions student loans. (a)...

  1. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing...

  2. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  3. 5 CFR 537.108 - Loss of eligibility for student loan repayment benefits.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... equivalent) or higher, as described in 5 CFR 430.208(d). An employee loses eligibility for student loan... 5 Administrative Personnel 1 2014-01-01 2014-01-01 false Loss of eligibility for student loan... SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.108 Loss of eligibility for student loan...

  4. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Cancellation of health professions students loans..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions students loans for disability or death. (a) Permanent and total disability. The Secretary will cancel...

  5. 42 CFR 57.209 - Payment of health professions student loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Payment of health professions student loans. 57.209... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.209 Payment of health professions student loans. (a)...

  6. 5 CFR 537.108 - Loss of eligibility for student loan repayment benefits.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... equivalent) or higher, as described in 5 CFR 430.208(d). An employee loses eligibility for student loan... 5 Administrative Personnel 1 2013-01-01 2013-01-01 false Loss of eligibility for student loan... SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.108 Loss of eligibility for student loan...

  7. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  8. 42 CFR 57.209 - Payment of health professions student loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false Payment of health professions student loans. 57.209... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.209 Payment of health professions student loans. (a)...

  9. 5 CFR 537.108 - Loss of eligibility for student loan repayment benefits.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... equivalent) or higher, as described in 5 CFR 430.208(d). An employee loses eligibility for student loan... 5 Administrative Personnel 1 2012-01-01 2012-01-01 false Loss of eligibility for student loan... SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.108 Loss of eligibility for student loan...

  10. 5 CFR 537.106 - Conditions and procedures for providing student loan repayment benefits.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  11. 42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 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 professions student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible...

  12. 42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 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 professions student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible...

  13. 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...

  14. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false Cancellation of health professions students loans..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions students loans for disability or death. (a) Permanent and total disability. The Secretary will cancel...

  15. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing...

  16. 42 CFR 57.206 - Eligibility and selection of health professions student loan applicants.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 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 professions student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible...

  17. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.307 Maximum amount of nursing student loans. The total of the nursing...

  18. 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 professions student loan applicants. (a) Determination of eligibility. (1) Applicants are eligible...

  19. 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... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.209 Payment of health professions student loans. (a)...

  20. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false Cancellation of health professions students loans..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions students loans for disability or death. (a) Permanent and total disability. The Secretary will cancel...

  1. 5 CFR 537.108 - Loss of eligibility for student loan repayment benefits.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... equivalent) or higher, as described in 5 CFR 430.208(d). An employee loses eligibility for student loan... 5 Administrative Personnel 1 2011-01-01 2011-01-01 false Loss of eligibility for student loan... SERVICE REGULATIONS REPAYMENT OF STUDENT LOANS § 537.108 Loss of eligibility for student loan...

  2. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  3. 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...

  4. 42 CFR 57.211 - Cancellation of health professions students loans for disability or death.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false Cancellation of health professions students loans..., SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.211 Cancellation of health professions students loans for disability or death. (a) Permanent and total disability. The Secretary will cancel...

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

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  6. 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...

  7. 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…

  8. 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…

  9. 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…

  10. 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…

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

    ERIC Educational Resources Information Center

    West, Edwin G.

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

  12. 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…

  13. College on Credit: A Multilevel Analysis of Student Loan Default

    ERIC Educational Resources Information Center

    Hillman, Nicholas W.

    2014-01-01

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

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

    ERIC Educational Resources Information Center

    Webster, Jeff; Meyer, Don; Arnold, Adreinne

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

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

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

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

  16. 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

    ... Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for Special Direct Consolidation Loans SUMMARY: This Loan Verification Certificate (LVC) will serve as the means by... the White House in an October 25, 2011 fact sheet titled ``Help Americans Manage Student Loan...

  17. 76 FR 52271 - Institutions and Lender Requirements Relating to Education Loans, Student Assistance General...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-22

    ... CFR Part 668 RIN 1840-AC95 Institutions and Lender Requirements Relating to Education Loans, Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and..., Education, Loan programs--education, Reporting and recordkeeping requirements, Student aid. Accordingly,...

  18. 42 CFR 57.305 - Nursing student loan funds.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student... other funds, providing a clear audit trail for all transactions. At all times the fund must contain... Department's Claims Collections regulations (45 CFR part 30), as appropriate. (Approved by the Office...

  19. 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…

  20. 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…

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

    ERIC Educational Resources Information Center

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

    2008-01-01

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

  2. Student-Loan Inquiry Expands to Examine Issues of Race

    ERIC Educational Resources Information Center

    Basken, Paul

    2007-01-01

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

  3. 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…

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

    ERIC Educational Resources Information Center

    Nyahende, Veronica R.

    2013-01-01

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

  5. 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…

  6. 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

    ... Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan... Loans First First Loan type Student grade level disbursed on disbursed Rate or after before (percent... Graduate/ 7/1/2006 7/1/2010 8.50 Professional Students. Note: No new loans have been made under the...

  7. 77 FR 52705 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program/NDSL...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-30

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

  8. 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

    ... Annual Notice of Interest Rates of Federal Student Loans Made Under the Federal Family Education Loan... Loans First First Loan type Student grade level disbursed on disbursed Rate or after before (percent... Graduate/ 7/1/2006 7/1/2010 8.50 Professional Students. Note: No new loans have been made under the...

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

    ERIC Educational Resources Information Center

    Belfield, Clive R.

    2013-01-01

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

  10. 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…

  11. 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... notice will be considered public records. Title of Collection: National Student Loan Data System (NSLDS... U.S. Department of Education will collect data through the National Student Loan Data System...

  12. 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…

  13. 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…

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

    ERIC Educational Resources Information Center

    Seifert, Charles F.; Wordern, Lorenz

    2004-01-01

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

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

    ERIC Educational Resources Information Center

    Bayus, Barry; Kendis, Kurt

    1982-01-01

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

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

    ERIC Educational Resources Information Center

    Berlinger, Edina

    2009-01-01

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

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

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS... will be accounted for separately from other funds, providing a clear audit trail for all transactions... noncompliance provisions of § 57.218 and the Department's Claims Collections regulations (45 CFR part 30),...

  18. 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…

  19. Models for Determining the Efficiency of Student Loans Policies

    ERIC Educational Resources Information Center

    Dente, Bruno; Piraino, Nadia

    2011-01-01

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

  20. 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…

  1. Department of Education: Guaranteed Student Loan Program Vulnerabilities.

    ERIC Educational Resources Information Center

    Cramer, Robert J.

    In response to a request from the Permanent Subcommittee on Investigations of the U.S. Senate Committee on Governmental Affairs, this report summarizes findings of the General Accounting Office (GAO) about weaknesses in the U.S. Department of Education's administration of student loans for postsecondary education. The General Accounting Office…

  2. Analysis of Student Loan Special Rate Allowances and Servicing Costs.

    ERIC Educational Resources Information Center

    Technology Management, Inc., Cambridge, MA.

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

  3. 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…

  4. 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;…

  5. 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

    ... Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan (Direct Loan) Program: Internship/Residency and Loan Debt Burden Forbearance Forms SUMMARY: These forms serve... Department of Defense's Student Loan Repayment Program, or having a federal education loan debt burden...

  6. 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…

  7. 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…

  8. 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

    ... Notice of Proposed Information Collection Requests; Federal Student Aid; Federal Perkins Loan Program/NDSL Assignment Form SUMMARY: The Federal Perkins Loan Program allows for assignment of certain..., formerly the National Direct/Defense Student Loan Program (NDSL), currently use this form to...

  9. 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

    ... 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 terms... simplified the loan process by eliminating the need for institutions to prepare, and students to sign,...

  10. What Matters in Student Loan Default: A Review of the Research Literature

    ERIC Educational Resources Information Center

    Gross, Jacob P. K.; Cekic, Osman; Hossler, Don; Hillman, Nick

    2009-01-01

    Federal higher education policy has shifted over the past few decades from grants to loans as the primary means for providing access to postsecondary education for low- and moderate-income families. With this shift, policy makers have begun tracking student loan default rates as a key indicator of the efficacy of student loan programs. This effort…

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

    ERIC Educational Resources Information Center

    Humphrey, Justin

    2005-01-01

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

  12. 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…

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

    ERIC Educational Resources Information Center

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

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

  14. Stafford Student Loans. Millions of Dollars in Loans Awarded to Ineligible Borrowers. Report to the Chairman, Permanent Subcommittee on Investigations, Committee on Governmental Affairs, U.S. Senate.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC. Information Management and Technology Div.

    This report presents the results of an investigation which evaluated the Department of Education's data base on Stafford Loans and discusses how the Department can use the information to prevent loan abuses. The investigation's findings reveal that loan defaulters may have obtained about $109 million in new loans, and that students received…

  15. Student Loans: Are They Overburdening a Generation?

    ERIC Educational Resources Information Center

    Hansen, Janet S.

    Issues concerning indebtedness of undergraduate students are examined, including the implications of debt burdens for: the national economy, the individual well-being of borrowers, equality of access to higher education, and the educational process itself. Risks students face in borrowing to pay for education and how the United States compares to…

  16. 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

  17. 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.

  18. 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,…

  19. 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…

  20. 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…

  1. Students' Guide to Scholarships and Loans.

    ERIC Educational Resources Information Center

    Leider, Robert

    This comprehensive guide to financial aid takes college-bound students through a step-by-step process of defining their monetary needs and locating sources of finance to meet those needs. Part I provides "Useful Things to Know," including an overview of college in the eighties, 20 tips for hard times, and misconceptions that can cost time and…

  2. 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

    ... Notice of Submission for OMB Review; Federal Student Aid; William D. Ford Federal Direct Loan Program... Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL) Programs may request deferment of repayment on their loans if they meet certain statutory and regulatory criteria. DATES:...

  3. 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

  4. Public policy for health manpower: nursing student loans.

    PubMed

    McKibbin, R C

    1977-01-01

    This paper seeks to determine the extent to which the Nursing Student Loan program (NSL) has accomplished its primary objectives of increasing the supply and effecting a more equitable geographic distribution of nurses. The history and provisions of the program are discussed and data from a survey of nursing schools on students' incomes, borrowing practices and withdrawal rates are analyzed. The major conclusion of the paper is that although NSL has fallen far short of its principal goals, it has produced some secondary benefits. A review of the program is recommended as a means of determining which activities should be emphasized to maximize its overall effectiveness.

  5. 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…

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

    ERIC Educational Resources Information Center

    Kim, Dongbin

    2007-01-01

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

  7. 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…

  8. 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…

  9. 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…

  10. 31 CFR 560.551 - Student loan payments from persons in Iran authorized.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Student loan payments from persons in... SANCTIONS REGULATIONS Licenses, Authorizations, and Statements of Licensing Policy § 560.551 Student loan... are authorized to engage in all transactions necessary to collect, accept, and process student...

  11. 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…

  12. 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…

  13. 77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-13

    ... Documents#0;#0; #0; ] Memorandum of June 7, 2012 Improving Repayment Options for Federal Student Loan... before are using student loans to finance college. Nearly two-thirds of college graduates borrow to pay... the first few years of their careers. The Income-Based Repayment (IBR) plan for Federal student...

  14. 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…

  15. 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…

  16. 31 CFR 560.551 - Student loan payments from persons in Iran authorized.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Student loan payments from persons in... SANCTIONS REGULATIONS Licenses, Authorizations, and Statements of Licensing Policy § 560.551 Student loan... are authorized to engage in all transactions necessary to collect, accept, and process student...

  17. 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,…

  18. Study of the Cost to Borrowers of Participating in the Guaranteed Student Loan Program. Final Report.

    ERIC Educational Resources Information Center

    Touche Ross and Co., Washington, DC.

    The cost to a typical borrower of participating in the Guaranteed Student Loan (GSL) program was studied, based on the analysis of automated models that calculate total borrower costs under various scenarios. The focus was related to the actual costs of obtaining and repaying a student loan. Conclusions are as follows: (1) student borrowers under…

  19. 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.…

  20. 78 FR 5431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-25

    ... Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct Loan Program AGENCY: Federal Student Aid, Department of Education. ACTION: Notice. Catalog of Federal...--Fixed-Rate Direct Subsidized, Direct Unsubsidized, and Direct PLUS Loans First First Loan type...

  1. 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…

  2. 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)

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

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

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

  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. 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…

  6. 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…

  7. 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,…

  8. 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…

  9. 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…

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

    ERIC Educational Resources Information Center

    Msigwa, Faustina M.

    2016-01-01

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

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

    ERIC Educational Resources Information Center

    Stokes, Anthony; Wright, Sarah

    2010-01-01

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

  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. 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…

  14. 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…

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

    ERIC Educational Resources Information Center

    Meznek, James; Wilson, Al

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

  16. 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…

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

    ERIC Educational Resources Information Center

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

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

  18. Historical Overview of the Role of State Guarantee Agencies in the Guaranteed Student Loan Program.

    ERIC Educational Resources Information Center

    Touche Ross and Co., Washington, DC.

    The history of the role of state guarantee agencies in the Guaranteed Student Loan (GSL) Program is reviewed in terms of the initiation of the GSL program, the growth of the Federally Insured Student Loan Program, the initiation of the special allowance, and the Education Amendments of 1972, the Education Amendments of 1976, the Middle Income…

  19. 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…

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

    ScienceCinema

    None

    2016-07-12

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

  1. 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.

  2. 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 Direct Loan Program will use this form to request forbearance on their loans when they are willing...

  3. 77 FR 30265 - Notice of Submission for OMB Review; Federal Student Aid; Direct Loan Income Contingent Repayment...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-22

    ... Notice of Submission for OMB Review; Federal Student Aid; Direct Loan Income Contingent Repayment Plan... Direct Loan Program loans under the Income-Contigent Repayment (ICR) Plan or the Income-Based Repayment... notice will be considered public records. Title of Collection: Direct Loan Income Contingent...

  4. 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

    ... to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to....20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required information. Before disbursing an amount from an education award to repay a qualified student loan,...

  5. 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

    ... to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to....20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required information. Before disbursing an amount from an education award to repay a qualified student loan,...

  6. 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

    ... to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to....20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required information. Before disbursing an amount from an education award to repay a qualified student loan,...

  7. 78 FR 53431 - Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-29

    ... Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct Loan Program Prior to July 1, 2013 AGENCY: Federal Student Aid, Department of Education. ACTION: Notice... First First Loan type Student grade level disbursed on disbursed Rate (percent) or after...

  8. 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

    ... to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to....20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required information. Before disbursing an amount from an education award to repay a qualified student loan,...

  9. 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

    ... to repay a qualified student loan? 2528.20 Section 2528.20 Public Welfare Regulations Relating to....20 What steps are necessary to use an education award to repay a qualified student loan? (a) Required information. Before disbursing an amount from an education award to repay a qualified student loan,...

  10. 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

    ... Annual Notice of Interest Rates of Federal Student Loans Made Under the William D. Ford Federal Direct Loan Program on or After July 1, 2013 AGENCY: Federal Student Aid, Department of Education. ACTION... 6/30/2014 Cohort Index rate 2013-2014 Loan type Student grade level First First 10-Year Margin...

  11. 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…

  12. 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…

  13. 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…

  14. 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…

  15. 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…

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

    ERIC Educational Resources Information Center

    McKinney, Lyle; Burridge, Andrea Backscheider

    2015-01-01

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

  17. 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…

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

    ERIC Educational Resources Information Center

    Memba, Albert Zephaniah; Feng, Zhao Zun

    2016-01-01

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

  19. 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…

  20. 45 CFR 2529.20 - What steps are necessary to obtain forbearance in the repayment of a qualified student loan...

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... the repayment of a qualified student loan during an individual's term of service in an approved Ameri... to obtain forbearance in the repayment of a qualified student loan during an individual's term of... the holder of the loan. (b) If, before approving a request for forbearance, the holder of the...

  1. 45 CFR 2529.20 - What steps are necessary to obtain forbearance in the repayment of a qualified student loan...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... the repayment of a qualified student loan during an individual's term of service in an approved Ameri... to obtain forbearance in the repayment of a qualified student loan during an individual's term of... the holder of the loan. (b) If, before approving a request for forbearance, the holder of the...

  2. 45 CFR 2529.20 - What steps are necessary to obtain forbearance in the repayment of a qualified student loan...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... the repayment of a qualified student loan during an individual's term of service in an approved Ameri... to obtain forbearance in the repayment of a qualified student loan during an individual's term of... the holder of the loan. (b) If, before approving a request for forbearance, the holder of the...

  3. 45 CFR 2529.20 - What steps are necessary to obtain forbearance in the repayment of a qualified student loan...

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... the repayment of a qualified student loan during an individual's term of service in an approved Ameri... to obtain forbearance in the repayment of a qualified student loan during an individual's term of... the holder of the loan. (b) If, before approving a request for forbearance, the holder of the...

  4. 45 CFR 2529.20 - What steps are necessary to obtain forbearance in the repayment of a qualified student loan...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... the repayment of a qualified student loan during an individual's term of service in an approved Ameri... to obtain forbearance in the repayment of a qualified student loan during an individual's term of... the holder of the loan. (b) If, before approving a request for forbearance, the holder of the...

  5. 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…

  6. 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,…

  7. 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…

  8. 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…

  9. 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…

  10. 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…

  11. 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…

  12. 77 FR 45592 - Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program Master...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-01

    ... Notice of Submission for OMB Review; Federal Student Aid; Federal Perkins Loan Program Master Promissory Note SUMMARY: The Federal Perkins Loan Master Promissory Note (MPN) provides the terms and conditions of the Perkins Loan program and is prepared by the participating eligible institution and signed...

  13. The Consequences of the Study of Federal Student Loan Programs: A Case Study in the Utilization of Social Research.

    ERIC Educational Resources Information Center

    Weiss, Carol H.

    This report traces the consequences of a study of federal student loan programs. The first chapter outlines the events that led up to the Loan Study, the nature of the questions posed, and government preparations for letting a contract for the study. Chapter 2 describes the conduct of the Loan Study: the development of a proposal, the beginning of…

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

    ERIC Educational Resources Information Center

    Albrecht, Douglas; Ziderman, Adrian

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

  15. 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…

  16. 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

  17. 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…

  18. 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…

  19. 34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 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... Federal Perkins loan fund or Federal Pell Grant, ACG, National SMART Grant, TEACH Grant, FSEOG, or...

  20. 34 CFR 668.139 - Recovery of payments and loan disbursements to ineligible students.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 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... Federal Perkins loan fund or Federal Pell Grant, ACG, National SMART Grant, TEACH Grant, FSEOG, or...

  1. 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…

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

    ERIC Educational Resources Information Center

    Cochrane, Debbie; Szabo-Kubitz, Laura

    2011-01-01

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

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

    ERIC Educational Resources Information Center

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

    2009-01-01

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

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

    ERIC Educational Resources Information Center

    Dowd, Alicia C.; Coury, Tarek

    2006-01-01

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

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

    ERIC Educational Resources Information Center

    Minnesota Higher Education Services Office, 2004

    2004-01-01

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

  6. 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)

  7. Implementation of the Federal Direct Student Loan Program and Modifications to the Federal Family Education Loan Program. A Report to the Congress of the United States and the Secretary of Education.

    ERIC Educational Resources Information Center

    Advisory Committee on Student Financial Assistance, Washington, DC.

    This report provides an evaluation of the implementation of the Federal Direct Student Loan Program (FDSLP) and the Federal Family Education Loan Program (FFELP), administered by the U.S. Department of Education (ED) to provide educational loans to postsecondary students and their families. The report recommends that ED: (1) ensure that FDSLP…

  8. 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

  9. 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.

  10. 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…

  11. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... student loan bonds, and qualified redevelopment bonds. (a) Overview. Interest on a private activity bond... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue...

  12. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... student loan bonds, and qualified redevelopment bonds. (a) Overview. Interest on a private activity bond... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue...

  13. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... student loan bonds, and qualified redevelopment bonds. (a) Overview. Interest on a private activity bond... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue...

  14. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... student loan bonds, and qualified redevelopment bonds. (a) Overview. Interest on a private activity bond... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue...

  15. 26 CFR 1.144-1 - Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... student loan bonds, and qualified redevelopment bonds. (a) Overview. Interest on a private activity bond... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Qualified small issue bonds, qualified student loan bonds, and qualified redevelopment bonds. 1.144-1 Section 1.144-1 Internal Revenue...

  16. 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.

  17. 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…

  18. 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…

  19. 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…

  20. The Causes and Consequences of the Federal Student Financial Aid Policy Shift from Grants to Loans.

    ERIC Educational Resources Information Center

    Melvin, Matt; Stick, Sheldon

    2001-01-01

    Discusses the history of student financial aid's emergence as a major issue in American education, including why a policy of financial assistance was initiated, what it sought to accomplish, how national priorities influence those policies, and its current status. Explores how the shift from grants to loans is influencing access, underrepresented…

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

    ERIC Educational Resources Information Center

    Kypuros, Christopher Anthony

    2009-01-01

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

  2. 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...

  3. 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…

  4. 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…

  5. 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…

  6. Fiscal Year 1998 Budget Reconciliation. A Report on Student Loan Cuts and Tax Proposals.

    ERIC Educational Resources Information Center

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

    This report summarizes provisions of the budget reconciliation bills moving through Congress relating to postsecondary education including student loans and tax proposals. The House and Senate postsecondary education and tax authorizing committees reported reconciliation bills in June, 1997. These bills carried out the terms of the 5-year balanced…

  7. 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.

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

    PubMed

    Feeg, Veronica D; Mancino, Diane J

    2014-01-01

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

  9. 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

  10. 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,…

  11. 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…

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

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

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

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

    ERIC Educational Resources Information Center

    Faircloth, Susan; Tippeconnic, John W., III

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

  14. 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…

  15. Student Loan Reform. Hearing on S. 920 of the Committee on Labor and Human Resources, United States Senate, One Hundred Third Congress, First Session.

    ERIC Educational Resources Information Center

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

    The Senate Committee on Labor and Human Resources met to consider an amendment to the Higher Education Act of 1965 to improve the delivery of college financial aid by moving from guaranteed students loans to direct loans. Under a system of direct loans, students would borrow directly from the Federal Government by applying through their colleges.…

  16. 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…

  17. Will neurology residents with large student loan debts become academicians?

    PubMed

    Doherty, Michael J; Schneider, A T; Tirschwell, D L

    2002-02-12

    Medical education in the United States is expensive, with 4-year tuition at some institutions totaling more than 150,000 US dollars. Most US graduates have student debt burdens. Using an internet survey, we tested the hypothesis that high student debt adversely affects neurology residents' desire to pursue careers in academic neurology. The results indicate median year 2000 US graduate neurology resident student debt is in the 50,000 to 75,000 US dollars range and that this debt burden may deter US graduates from pursuing careers in academic neurology. PMID:11839863

  18. 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.

  19. 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

  20. 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…

  1. 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…

  2. 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…

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

    ERIC Educational Resources Information Center

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

    2016-01-01

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

  4. 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…

  5. 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…

  6. 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…

  7. 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…

  8. 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…

  9. Issues in Cross-Cultural Assessment: American Indian and Alaska Native Students. Knowledge Brief, Number Twelve.

    ERIC Educational Resources Information Center

    Estrin, Elise Trumbull; Nelson-Barber, Sharon

    This brief focuses on assessment issues for American Indian and Alaska Native (collectively referred to as "Native") students, as well as other pedagogical issues related to improved teaching and educational outcomes. Although traditional Native educational strategies emphasize cooperation, experiential learning, and reflection, Native students…

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

    ScienceCinema

    None

    2016-07-12

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

  11. 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…

  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. 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…

  14. Teaching Reading to American Indian/Alaska Native Students. ERIC Digest.

    ERIC Educational Resources Information Center

    Reyhner, Jon

    This digest summarizes ways to help young American Indian and Alaska Native children become fluent readers. There are numerous reading intervention programs, each with its own set of claims and counter-claims. Phonics approaches are designed for standard English speakers, and students with limited English abilities end up parroting what they read…

  15. 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…

  16. 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

  17. Federal Student Loan Programs Data Book, Fiscal Years 1997-2000.

    ERIC Educational Resources Information Center

    Conner, Donald

    This book presents information on two major federal loan programs: the Federal Family Education Loan (FFEL) program and the William D. Ford Federal Direct Loan Program (FDLP). It is designed to provide information on borrower and lender activity, presenting factual and statistical data on the various FFEL program and FDLP loan components that…

  18. 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

  19. 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.

  20. 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…

  1. 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…

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

    ERIC Educational Resources Information Center

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

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

  3. 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…

  4. 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

  5. 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…

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

    ERIC Educational Resources Information Center

    McCluskey, Neal

    2008-01-01

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

  7. 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

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HEALTH AND HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public Health Service Act AGENCY: Health Resources and...

  8. 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…

  9. The Effect of Student Loan Schemes on Students Returning to Study

    ERIC Educational Resources Information Center

    Tumen, Sarah; Shulruf, Boaz

    2008-01-01

    In this paper populations of students returning to tertiary study in the period 1997-2005 have been compared with the population of non-returning students who had the same opportunity to return. Such comparisons were conducted for students who returned after a break of 1-7 years (seven comparison groups). Students with the highest likelihood of…

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

    ERIC Educational Resources Information Center

    Ashby, Cornelia M.

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

  11. 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…

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

    ERIC Educational Resources Information Center

    Scott, George A.

    2011-01-01

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

  13. 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…

  14. 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…

  15. 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.

  16. 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

  17. 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

  18. 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…

  19. 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…

  20. 34 CFR 682.513 - Factors affecting coverage of a loan under the loan guarantee.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.513 Factors affecting coverage of a loan under the loan guarantee. (a)(1) In determining whether to approve for payment a claim against the... 34 Education 4 2012-07-01 2012-07-01 false Factors affecting coverage of a loan under the...

  1. 34 CFR 682.513 - Factors affecting coverage of a loan under the loan guarantee.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.513 Factors affecting coverage of a loan under the loan guarantee. (a)(1) In determining whether to approve for payment a claim against the... 34 Education 4 2011-07-01 2011-07-01 false Factors affecting coverage of a loan under the...

  2. 34 CFR 682.513 - Factors affecting coverage of a loan under the loan guarantee.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.513 Factors affecting coverage of a loan under the loan guarantee. (a)(1) In determining whether to approve for payment a claim against the... 34 Education 4 2013-07-01 2013-07-01 false Factors affecting coverage of a loan under the...

  3. 42 CFR 60.18 - Consolidation of HEAL loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... of principal or interest for a Guaranteed Student Loan under the provisions of section 439(o) of the... 42 Public Health 1 2011-10-01 2011-10-01 false Consolidation of HEAL loans. 60.18 Section 60.18... ASSISTANCE LOAN PROGRAM The Loan § 60.18 Consolidation of HEAL loans. HEAL loans may be consolidated...

  4. 42 CFR 60.18 - Consolidation of HEAL loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... of principal or interest for a Guaranteed Student Loan under the provisions of section 439(o) of the... 42 Public Health 1 2014-10-01 2014-10-01 false Consolidation of HEAL loans. 60.18 Section 60.18... ASSISTANCE LOAN PROGRAM The Loan § 60.18 Consolidation of HEAL loans. HEAL loans may be consolidated...

  5. 42 CFR 60.18 - Consolidation of HEAL loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... of principal or interest for a Guaranteed Student Loan under the provisions of section 439(o) of the... 42 Public Health 1 2012-10-01 2012-10-01 false Consolidation of HEAL loans. 60.18 Section 60.18... ASSISTANCE LOAN PROGRAM The Loan § 60.18 Consolidation of HEAL loans. HEAL loans may be consolidated...

  6. 42 CFR 60.18 - Consolidation of HEAL loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... of principal or interest for a Guaranteed Student Loan under the provisions of section 439(o) of the... 42 Public Health 1 2013-10-01 2013-10-01 false Consolidation of HEAL loans. 60.18 Section 60.18... ASSISTANCE LOAN PROGRAM The Loan § 60.18 Consolidation of HEAL loans. HEAL loans may be consolidated...

  7. 42 CFR 60.18 - Consolidation of HEAL loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... of principal or interest for a Guaranteed Student Loan under the provisions of section 439(o) of the... 42 Public Health 1 2010-10-01 2010-10-01 false Consolidation of HEAL loans. 60.18 Section 60.18... ASSISTANCE LOAN PROGRAM The Loan § 60.18 Consolidation of HEAL loans. HEAL loans may be consolidated...

  8. 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…

  9. 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…

  10. 75 FR 22736 - Notice of Request for Applications for the Veterinary Medicine Loan Repayment Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-30

    ... complete history of their student loans from the National Student Loan Database System (NSLDS), a central... Loan Repayment Program AGENCY: National Institute of Food and Agriculture, USDA. ACTION: Notice... Medicine Loan Repayment Program (VMLRP) Request for Applications (RFA) at...

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

    ERIC Educational Resources Information Center

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

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

  12. 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…

  13. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... 42 Public Health 1 2013-10-01 2013-10-01 false Loan cancellation reimbursement. 57.213a Section...

  14. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... 42 Public Health 1 2014-10-01 2014-10-01 false Loan cancellation reimbursement. 57.213a Section...

  15. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... 42 Public Health 1 2011-10-01 2011-10-01 false Loan cancellation reimbursement. 57.213a Section...

  16. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... 42 Public Health 1 2012-10-01 2012-10-01 false Loan cancellation reimbursement. 57.213a Section...

  17. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.213a Section...

  18. 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…

  19. Learning Styles of American Indian/Alaska Native Students: A Review of the Literature and Implications for Practice.

    ERIC Educational Resources Information Center

    Pewewardy, Cornel

    2002-01-01

    Review of theories, research, and models of the learning styles of American Indian/Alaska Native students reveals that they generally learn in ways characterized by social/affective emphasis, harmony, holistic perspectives, expressive creativity, and nonverbal communication. Native learning styles are strongly influenced by language, culture, and…

  20. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... an agreement for repayment of loans, other than nursing student loans, the Secretary will...

  1. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... an agreement for repayment of loans, other than nursing student loans, the Secretary will...

  2. 34 CFR 682.500 - Circumstances under which loans may be guaranteed by the Secretary.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.500 Circumstances under which loans...; (2) Federal Consolidation loans made by the Student Loan Marketing Association and Federal... loan that has not been repaid; or (4) All students at a school located in the State if the...

  3. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... an agreement for repayment of loans, other than nursing student loans, the Secretary will...

  4. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... an agreement for repayment of loans, other than nursing student loans, the Secretary will...

  5. 42 CFR 57.312 - Repayment of loans for service in a shortage area.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... LOANS Nursing Student Loans § 57.312 Repayment of loans for service in a shortage area. (a) Service in a... in section 846(a)(1) of the Act; (2) Has obtained one or more nursing student loans or any other... an agreement for repayment of loans, other than nursing student loans, the Secretary will...

  6. 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…

  7. 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.…

  8. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-29

    ... year of teaching due to a condition covered under the Family and Medical Leave Act (FMLA) to still count that year as eligible teaching service for loan cancellation purposes, if the borrower's employer... . On May 5, 2011, the Department published a notice in the Federal Register (76 FR 25650)...

  9. 78 FR 13327 - Request for Information Regarding an Initiative To Promote Student Loan Affordability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-27

    ... economic incentive to modify the loan, as the net present value (NPV) of the restructured debt may be greater in value than the value of the collateral after foreclosure costs. However, in other situations... Ombudsman within the Bureau. The Dodd-Frank Act requires that the Ombudsman present an annual...

  10. 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…

  11. 78 FR 65767 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-01

    ... free, at 1- 800-877-8339. SUPPLEMENTARY INFORMATION: Executive Summary: Purpose of This Regulatory... in the Federal Register (78 FR 45618). The final regulations contain several changes from the NPRM... would dissuade community colleges from discontinuing participation in the Direct Loan program for...

  12. 42 CFR 57.208 - Health professions student loan promissory note and disclosure requirements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... loan, including a description of the type of information concerning the borrower that the Federal... (c)(1) and (c)(2) of this section, the school must comply with the applicable requirements of Truth in Lending Regulation Z (12 CFR part 226). (Approved by the Office of Management and Budget...

  13. 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…

  14. 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…

  15. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  16. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  17. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  18. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  19. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  20. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  1. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  2. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  3. 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…

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

    ERIC Educational Resources Information Center

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

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

  5. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Federal Guaranteed Student Loan Programs § 682.506 Limitations on maximum loan amounts. (a) The Secretary... annual loan amount in excess of the student's estimated cost of attendance for the period of enrollment for which the loan is intended less— (i) The student's estimated financial assistance; and (ii)...

  6. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Federal Guaranteed Student Loan Programs § 682.506 Limitations on maximum loan amounts. (a) The Secretary... annual loan amount in excess of the student's estimated cost of attendance for the period of enrollment for which the loan is intended less— (i) The student's estimated financial assistance; and (ii)...

  7. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Federal Guaranteed Student Loan Programs § 682.506 Limitations on maximum loan amounts. (a) The Secretary... annual loan amount in excess of the student's estimated cost of attendance for the period of enrollment for which the loan is intended less— (i) The student's estimated financial assistance; and (ii)...

  8. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Student Loan Programs § 682.506 Limitations on maximum loan amounts. (a) The Secretary does not guarantee... loan is intended less— (i) The student's estimated financial assistance; and (ii) The student's... 34 Education 3 2010-07-01 2010-07-01 false Limitations on maximum loan amounts. 682.506...

  9. 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

  10. 42 CFR 57.313 - Loan cancellation for full-time employment as a registered nurse.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... STUDENT LOANS Nursing Student Loans § 57.313 Loan cancellation for full-time employment as a registered...) Received one or more nursing student loans after November 18, 1971, and before September 29, 1979; (2) is...) is entitled to have a portion of these nursing student loans canceled as follows: 15 percent of...

  11. 42 CFR 57.313 - Loan cancellation for full-time employment as a registered nurse.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... STUDENT LOANS Nursing Student Loans § 57.313 Loan cancellation for full-time employment as a registered...) Received one or more nursing student loans after November 18, 1971, and before September 29, 1979; (2) is...) is entitled to have a portion of these nursing student loans canceled as follows: 15 percent of...

  12. 42 CFR 57.313 - Loan cancellation for full-time employment as a registered nurse.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... STUDENT LOANS Nursing Student Loans § 57.313 Loan cancellation for full-time employment as a registered...) Received one or more nursing student loans after November 18, 1971, and before September 29, 1979; (2) is...) is entitled to have a portion of these nursing student loans canceled as follows: 15 percent of...

  13. 42 CFR 57.313 - Loan cancellation for full-time employment as a registered nurse.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... STUDENT LOANS Nursing Student Loans § 57.313 Loan cancellation for full-time employment as a registered...) Received one or more nursing student loans after November 18, 1971, and before September 29, 1979; (2) is...) is entitled to have a portion of these nursing student loans canceled as follows: 15 percent of...

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

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... STUDENT LOANS Nursing Student Loans § 57.313 Loan cancellation for full-time employment as a registered...) Received one or more nursing student loans after November 18, 1971, and before September 29, 1979; (2) is...) is entitled to have a portion of these nursing student loans canceled as follows: 15 percent of...

  15. 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... (PLUS) Program, which encouraged making loans to parents of dependent undergraduate students.......

  16. 34 CFR 682.508 - Assignment of a loan.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ..., DEPARTMENT OF EDUCATION (CONTINUED) FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.508 Assignment of a loan. (a) General. A Federal GSL loan may not be assigned... 34 Education 4 2011-07-01 2011-07-01 false Assignment of a loan. 682.508 Section 682.508...

  17. 34 CFR 682.508 - Assignment of a loan.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ..., DEPARTMENT OF EDUCATION (CONTINUED) FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.508 Assignment of a loan. (a) General. A Federal GSL loan may not be assigned... 34 Education 4 2013-07-01 2013-07-01 false Assignment of a loan. 682.508 Section 682.508...

  18. 42 CFR 57.1510 - Security for loans.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest... 42 Public Health 1 2014-10-01 2014-10-01 false Security for loans. 57.1510 Section 57.1510 Public... Security for loans. Each loan with respect to which a guarantee is made or interest subsidies are...

  19. 34 CFR 682.508 - Assignment of a loan.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ..., DEPARTMENT OF EDUCATION (CONTINUED) FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.508 Assignment of a loan. (a) General. A Federal GSL loan may not be assigned... 34 Education 4 2012-07-01 2012-07-01 false Assignment of a loan. 682.508 Section 682.508...

  20. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan... 42 Public Health 1 2014-10-01 2014-10-01 false Limitations applicable to loan guarantee. 57.1507... Personnel § 57.1507 Limitations applicable to loan guarantee. (a) The amount of loan with respect to which...

  1. 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 § 682.508 Assignment of a loan. (a) General. A Federal GSL loan may not be assigned except to another... 34 Education 3 2010-07-01 2010-07-01 false Assignment of a loan. 682.508 Section 682.508...

  2. 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…

  3. 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…

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

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  6. 31 CFR 285.13 - Barring delinquent debtors from obtaining Federal loans or loan insurance or guarantees.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... is not otherwise a factor for eligibility purposes, e.g., student loans. A person may be eligible for... obtaining Federal loans or loan insurance or guarantees. 285.13 Section 285.13 Money and Finance: Treasury... Other Than Offset § 285.13 Barring delinquent debtors from obtaining Federal loans or loan insurance...

  7. 31 CFR 285.13 - Barring delinquent debtors from obtaining Federal loans or loan insurance or guarantees.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... is not otherwise a factor for eligibility purposes, e.g., student loans. A person may be eligible for... obtaining Federal loans or loan insurance or guarantees. 285.13 Section 285.13 Money and Finance: Treasury... Other Than Offset § 285.13 Barring delinquent debtors from obtaining Federal loans or loan insurance...

  8. 31 CFR 285.13 - Barring delinquent debtors from obtaining Federal loans or loan insurance or guarantees.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... creditworthiness or credit history is not otherwise a factor for eligibility purposes, e.g., student loans. A... obtaining Federal loans or loan insurance or guarantees. 285.13 Section 285.13 Money and Finance: Treasury... Other Than Offset § 285.13 Barring delinquent debtors from obtaining Federal loans or loan insurance...

  9. 31 CFR 285.13 - Barring delinquent debtors from obtaining Federal loans or loan insurance or guarantees.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... is not otherwise a factor for eligibility purposes, e.g., student loans. A person may be eligible for... obtaining Federal loans or loan insurance or guarantees. 285.13 Section 285.13 Money and Finance: Treasury... Other Than Offset § 285.13 Barring delinquent debtors from obtaining Federal loans or loan insurance...

  10. 31 CFR 285.13 - Barring delinquent debtors from obtaining Federal loans or loan insurance or guarantees.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... is not otherwise a factor for eligibility purposes, e.g., student loans. A person may be eligible for... obtaining Federal loans or loan insurance or guarantees. 285.13 Section 285.13 Money and Finance: Treasury... Other Than Offset § 285.13 Barring delinquent debtors from obtaining Federal loans or loan insurance...

  11. 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…

  12. Options in Education, Transcript for December 1, 1975: Guaranteed Student Loan Investigation, Child Abuse, Profile of the Experimental and Bilingual Institute, and Learning to Tune a Piano.

    ERIC Educational Resources Information Center

    George Washington Univ., Washington, DC. Inst. for Educational Leadership.

    "Options in Education" is a radio program which focuses on issues and developments in education. This transcript of the show contains discussions of the guaranteed-student-loan investigation, child abuse, the Experimental and Bilingual Institute in Spanish Harlem, and learning how to tune a piano. Participants in the program include John Merrow…

  13. Higher Education: Trustee Arrangements Serve Useful Purpose in Student Loan Market. Report to the Chairman, Committee on Health, Education, Labor, and Pensions, U.S. Senate.

    ERIC Educational Resources Information Center

    Bovbjerg, Barbara D.

    This report addresses concerns raised by the Committee on Health, Education, Labor, and Pensions of the U.S. Senate on : (1) the number and cost of trustee arrangements providing student loans and their shared characteristics; (2) the benefits and protections afforded the federal government through use of trustee arrangements; and (3) the effect…

  14. 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…

  15. Student Loans in Higher Education: 2. Asia. Report of an IIEP Educational Forum. IIEP Dissemination Programme, Educational Forum Series, No. 2.

    ERIC Educational Resources Information Center

    Woodhall, Maureen

    This report summarizes an educational forum organized by the International Institute for Educational Planning (IIEP) and held in Genting, Malaysia on November 6-8, 1990, to discuss the experience of student loans in Australia, the People's Republic of China, Hong Kong, India, Indonesia, Japan, Malaysia, the Philippines, Singapore, and Thailand. In…

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

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC.

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

  17. 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…

  18. 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.

  19. 34 CFR 682.500 - Circumstances under which loans may be guaranteed by the Secretary.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.500 Circumstances under which... State; (2) Federal Consolidation loans made by the Student Loan Marketing Association and Federal... loan that has not been repaid; or (4) All students at a school located in the State if the...

  20. 34 CFR 682.500 - Circumstances under which loans may be guaranteed by the Secretary.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.500 Circumstances under which... State; (2) Federal Consolidation loans made by the Student Loan Marketing Association and Federal... loan that has not been repaid; or (4) All students at a school located in the State if the...

  1. 34 CFR 682.500 - Circumstances under which loans may be guaranteed by the Secretary.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.500 Circumstances under which... State; (2) Federal Consolidation loans made by the Student Loan Marketing Association and Federal... loan that has not been repaid; or (4) All students at a school located in the State if the...

  2. A Rift Forms Among Loan-Guarantee Agencies.

    ERIC Educational Resources Information Center

    Burd, Stephen

    1997-01-01

    The Clinton Administration's proposed overhaul of the guaranteed student loan program would pay banks the amount of unpaid federal student loans, making the government the sole insurer of the loans. Guarantee agencies feel this action would strip them of their primary tasks of reimbursing lenders for unpaid loans. The initiative is intended to…

  3. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to... 42 Public Health 1 2014-10-01 2014-10-01 false Loan cancellation reimbursement. 57.313a Section...

  4. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to... 42 Public Health 1 2013-10-01 2013-10-01 false Loan cancellation reimbursement. 57.313a Section...

  5. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to... 42 Public Health 1 2011-10-01 2011-10-01 false Loan cancellation reimbursement. 57.313a Section...

  6. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.313a Section...

  7. 42 CFR 57.313a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to... 42 Public Health 1 2012-10-01 2012-10-01 false Loan cancellation reimbursement. 57.313a Section...

  8. 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…

  9. 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.…

  10. 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.…

  11. 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

  12. 34 CFR 682.209 - Repayment of a loan.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... reported to the lender. (4) For a borrower of a Stafford loan who is a correspondence student, the grace... approved. (d) Combined repayment of a borrower's student PLUS and SLS loans held by a lender. (1) A lender may, at the request of a student borrower, combine the borrower's, student PLUS and SLS loans held...

  13. 34 CFR 682.209 - Repayment of a loan.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... reported to the lender. (4) For a borrower of a Stafford loan who is a correspondence student, the grace... approved. (d) Combined repayment of a borrower's student PLUS and SLS loans held by a lender. (1) A lender may, at the request of a student borrower, combine the borrower's, student PLUS and SLS loans held...

  14. 34 CFR 682.209 - Repayment of a loan.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... reported to the lender. (4) For a borrower of a Stafford loan who is a correspondence student, the grace... approved. (d) Combined repayment of a borrower's student PLUS and SLS loans held by a lender. (1) A lender may, at the request of a student borrower, combine the borrower's, student PLUS and SLS loans held...

  15. 34 CFR 682.209 - Repayment of a loan.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... reported to the lender. (4) For a borrower of a Stafford loan who is a correspondence student, the grace... approved. (d) Combined repayment of a borrower's student PLUS and SLS loans held by a lender. (1) A lender may, at the request of a student borrower, combine the borrower's, student PLUS and SLS loans held...

  16. 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…

  17. 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…

  18. 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…

  19. 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…

  20. 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

  1. I Love You, Brad, But You Reduce My Student Loan Eligibility: The Perils of Marriage in Canadian Student Assistance Programs

    ERIC Educational Resources Information Center

    Usher, Alex

    2004-01-01

    This short paper examined the effects of marriage on eligibility for student assistance programs. Being married as a student has a number of possible effects on eligibility for student assistance depending on one's age and the employment status of one's partner. A few are positive; they result in greater eligibility for assistance. Some are…

  2. 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…

  3. 34 CFR 682.100 - The Federal Family Education Loan programs.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 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... (FFEL) programs,” in which lenders use their own funds to make loans to enable a student or his or...

  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... (FFEL) programs,” in which lenders use their own funds to make loans to enable a student or his or...

  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... (FFEL) programs,” in which lenders use their own funds to make loans to enable a student or his or...

  6. 34 CFR 682.504 - Issuance of Federal loan guarantees.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.504 Issuance of Federal loan guarantees. (a) A lender having a guarantee... 34 Education 3 2010-07-01 2010-07-01 false Issuance of Federal loan guarantees. 682.504...

  7. 34 CFR 682.504 - Issuance of Federal loan guarantees.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION (CONTINUED) FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.504 Issuance of Federal loan guarantees. (a) A lender... 34 Education 4 2011-07-01 2011-07-01 false Issuance of Federal loan guarantees. 682.504...

  8. 34 CFR 682.504 - Issuance of Federal loan guarantees.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION (CONTINUED) FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.504 Issuance of Federal loan guarantees. (a) A lender... 34 Education 4 2012-07-01 2012-07-01 false Issuance of Federal loan guarantees. 682.504...

  9. 34 CFR 682.504 - Issuance of Federal loan guarantees.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION (CONTINUED) FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.504 Issuance of Federal loan guarantees. (a) A lender... 34 Education 4 2013-07-01 2013-07-01 false Issuance of Federal loan guarantees. 682.504...

  10. 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…

  11. 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…

  12. 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…

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

    ERIC Educational Resources Information Center

    Ferreira, M. Luisa; Farkas, Erika

    2009-01-01

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

  14. Draft Cohort Default Rate Guide for FFEL Program and/or Direct Loan Program Loans, FY 1997.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC. Default Management Div.

    This guide, which is sent to postsecondary schools, provides them with draft cohort default rates for student loans under the Federal Family Education Loan (FFEL) Program and the William D. Ford Federal Direct Loan Program. The guide is intended to assist schools in understanding how a cohort default rate is calculated, reviewing loan record…

  15. 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

    ..., definitions, eligibility criteria, and procedures for the Civil Legal Assistance Attorney Student Loan... Receipt Date for Applications and Service Agreements: The Civil Legal Assistance Attorney Student Loan... Civil Legal Assistance Attorney Student Loan Repayment Program authorized by Section 428L of the...

  16. 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…

  17. "Counting Experience" among the Least Counted: The Role of Cultural and Community Engagement on Educational Outcomes for American Indian, Alaska Native, and Native Hawaiian Students

    ERIC Educational Resources Information Center

    Akee, Randall Quinones; Yazzie-Mintz, Tarajean

    2011-01-01

    In this article, the authors present results from a survey project that focused on the experiences of postsecondary American Indian (AI)/Alaska Native (AN)/Native Hawaiian (NH) students. They acknowledge that there are political and historical differences among and within these three broad categories of indigenous people; however, the research…

  18. 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…

  19. 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…

  20. 77 FR 71667 - Alaska Disaster #AK-00026 Declaration of Economic Injury

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-03

    ...This is a notice of an Economic Injury Disaster Loan (EIDL) declaration for the State of Alaska, dated 11/21/2012. Incident: 2012 Alaska Chinook Salmon Fishery Disaster. Incident Period: 06/01/2012 through 08/30/2012. Effective Date: 11/21/2012. EIDL Loan Application Deadline Date:...