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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-22

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-08

... which borrowers in the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education... DEPARTMENT OF EDUCATION Notice of Proposed Information Collection Requests; Federal Student Aid; William D. Ford Federal Direct Loan (Direct Loan) Program/ Federal Family Loan (FFEL) Program: Deferment...

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…

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

ERIC Educational Resources Information Center

Ashby, Cornelia M.

2004-01-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-30

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

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

ERIC Educational Resources Information Center

Wennerdahl, Carol; Boyd, Joseph D.

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

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…

Default Management Manual.

ERIC Educational Resources Information Center

Dent, Richard A.

This manual is designed to instruct administrators of the Guaranteed Student Loan (GSL) Program in how to take every step possible to administer the program effectively and to minimize the program costs of serving the high risk student. It shows schools how to work with students throughout their time in school, create ownership of the loan(s) by…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-16

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

CBA Student Loan Survey Summary, 1986.

ERIC Educational Resources Information Center

Consumer Bankers Association, Arlington, TX.

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

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…

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…

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,…

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…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-25

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

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…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-29

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

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;…

Student Loans Driving You Crazy? A Borrower's Guide to Direct Consolidation Loans.

ERIC Educational Resources Information Center

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

This booklet describes the Direct Consolidation Loan program students can use to combine one or more student loans into a new loan. Things to consider before seeking a consolidation loan are outlined. Direct consolidation loans offer a number of advantages; they are free, result in one lender and one monthly payment, and offer flexible repayment…

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…

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,…

75 FR 5604 - Privacy Act of 1974; Report of an Altered System of Records

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-03

... Claims in the Health Professions Student Loan Program and Nursing Student Loan Program, HHS/HRSA/BHPr... cancellation of health professions and nursing student loans due to disability. Section 722(d) of the Public... expanded to read ``returned to [[Page 5605

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…

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…

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

ERIC Educational Resources Information Center

Miller, Kevin

2017-01-01

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

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…

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

ERIC Educational Resources Information Center

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

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-24

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

Student Financial Aid. High-Risk Series.

ERIC Educational Resources Information Center

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

This publication discusses areas of concern in the Department of Education's management and oversight of postsecondary student financial aid programs, especially the Federal Family Education Loan Program (FFELP), the Federal Direct Student Loan Program (FDSLP), and the Federal Pell Grant Programs. The General Accounting Office determined that, in…

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

ERIC Educational Resources Information Center

Wurtz, Donald R.; And Others

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

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…

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

ERIC Educational Resources Information Center

Zook, Jim

1993-01-01

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

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…

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"…

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

ERIC Educational Resources Information Center

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

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

77 FR 38784 - Applications, Reports, and Other Records for the 2011-2012 Award Year: Student Assistance General...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-29

... Loan Program; 84.379 Teacher Education Assistance for College and Higher Education Grant Program; 84... Federal student aid programs authorized under Title IV of the Higher Education Act of 1965, as amended..., William D. Ford Federal Direct Loan (Direct Loan), Teacher Education Assistance for College and Higher...

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

ERIC Educational Resources Information Center

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

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

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…

[Preliminary Report on the Activities of the Tennessee Student Assistance Corporation for the School Year 1974-75.

ERIC Educational Resources Information Center

Tennessee Student Assistance Corp., Nashville.

The Tennessee Educational Loan Corporation and the Tennessee Student Assistance Agency have merged into a single state agency, the Tennessee Student Assistance Corporation, for the purpose of administering the state's student assistance programs. These are: (1) the Tuition Grant Program; (2) Guaranteed Student Loan Program; (3) Medical…

Options to Change Interest Rates and Other Terms on Student Loans

ERIC Educational Resources Information Center

Congressional Budget Office, 2013

2013-01-01

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

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2012 CFR

2012-10-01

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

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2014 CFR

2014-10-01

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

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2013 CFR

2013-10-01

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

42 CFR 60.7 - The loan application process.

Code of Federal Regulations, 2011 CFR

2011-10-01

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

34 CFR 668.42 - Financial assistance information.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Loan Program, the William D. Ford Federal Direct Student Loan Program, and the Federal Perkins Loan... institution provides and collects as required by 34 CFR 674.42 for borrowers under the Federal Perkins Loan...

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

ERIC Educational Resources Information Center

College Entrance Examination Board, Washington, DC.

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-29

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

Regulation of Colleges and Universities Under the Guaranteed Student Loan Program

ERIC Educational Resources Information Center

Jenkins, Harold B.

1976-01-01

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

Guaranteed Student Loan Program 1981. State Agency Survey.

ERIC Educational Resources Information Center

New York State Higher Education Services Corp., Albany.

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

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…

Financial Aid for Students Workbook, 1994-95 School Year = Ayuda Financiera para Estudiantes, Libreta del Ano Escolar 1994-95.

ERIC Educational Resources Information Center

California Student Aid Commission, Sacramento.

Presented in both English and Spanish language formats, this workbook explains how California residents can qualify for and obtain student financial aid in the form of federal and state grants and loans, work-study programs, institutional grants, federal campus-based programs, and the Federal Family Education Loan Program loans. A calendar of…

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

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC.

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

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

ERIC Educational Resources Information Center

Macro International, Inc., Calverton, MD.

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

34 CFR 674.12 - Loan maximums.

Code of Federal Regulations, 2011 CFR

2011-07-01

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

The 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…

Why Students Can Still Get Loans

ERIC Educational Resources Information Center

Smith, Skee

1978-01-01

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

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

ERIC Educational Resources Information Center

Touche Ross and Co., Washington, DC.

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

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…

Deeper in Debt: Women and Student Loans

ERIC Educational Resources Information Center

Miller, Kevin

2017-01-01

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

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

ERIC Educational Resources Information Center

Hyde, William D., Jr.

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

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)

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

ERIC Educational Resources Information Center

Blumenstyk, Goldie

1990-01-01

State low-interest college loans programs for middle-class families have emerged in response to restrictions on federally subsidized Stafford Loans. The key difference between federal and state programs is that most state programs require student borrowers and cosigners to prove good credit risks, reducing loan default and making the programs…

The 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,…

76 FR 58021 - Agency Information Collection Activities: Proposed Collection: Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-19

... of automated collection techniques or other forms of information technology. Proposed Project: Health Professions Student Loan (HPSL) Program and Nursing Student Loan (NSL) Program Administrative Requirements (Regulations and Policy) (OMB No. 0915-0047)--[Extension] The regulations for the Health Professions Student...

The Student-Loan System Needs a Major Overhaul

ERIC Educational Resources Information Center

Hess, Frederick, M.; Squire, Juliet

2007-01-01

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

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

ERIC Educational Resources Information Center

Project on Student Debt, 2016

2016-01-01

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

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…

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

PubMed

Chisholm-Burns, Marie A; Spivey, Christina A; Jaeger, Melanie C; Williams, Jennifer

2017-09-01

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

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…

Improving the Financial Aid Delivery Process and the Federal Family Education Loan Program: Program Recommendations.

ERIC Educational Resources Information Center

Coalition for Student Loan Reform, Washington, DC.

This publication presents a set of eight recommended reforms and improvements for delivering financial aid to postsecondary students especially the Federal Family Education Loan Program (FFELP). The recommendations are: (1) make applying for student aid simpler for students; (2) assure the continued availability of a dependable, reliable source of…

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

ERIC Educational Resources Information Center

US Senate, 2016

2016-01-01

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

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…

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

ERIC Educational Resources Information Center

Ashby, Cornelia M.

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

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…

34 CFR 668.35 - Student debts under the HEA and to the U.S.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Federal Perkins Loan Program, or under a title IV, HEA grant program, may nevertheless be eligible to... for a FSEOG or LEAP overpayment or Federal Perkins loan overpayment received in an award year if the... grant or Federal Perkins loan, is not considered to be in default or owe an overpayment if the student...

34 CFR 668.35 - Student debts under the HEA and to the U.S.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Federal Perkins Loan Program, or under a title IV, HEA grant program, may nevertheless be eligible to... for a FSEOG or LEAP overpayment or Federal Perkins loan overpayment received in an award year if the... grant or Federal Perkins loan, is not considered to be in default or owe an overpayment if the student...

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

ERIC Educational Resources Information Center

Frazier, Franklin

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

Cohort Default Rates: Predicting the Probability of Federal Sanctions

ERIC Educational Resources Information Center

Hillman, Nicholas W.

2015-01-01

This study examines the institutional factors associated with student loan default. When a college has more than 30% of its students default on their loans, then the institution faces federal sanctions that could make them ineligible from participating in the federal student loan program. Using Integrated Postsecondary Education Data System…

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)

Regulations: Guaranteed Student Loan Program.

ERIC Educational Resources Information Center

1979

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

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

ERIC Educational Resources Information Center

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

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

Formative Evaluation of the Canada Student Loans Program. Final Report

ERIC Educational Resources Information Center

Human Resources and Skills Development Canada, 2004

2004-01-01

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

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

ERIC Educational Resources Information Center

Shook, Melissa

2012-01-01

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

34 CFR 673.5 - Overaward.

Code of Federal Regulations, 2014 CFR

2014-07-01

... Programs. An institution may only award or disburse a Federal Perkins loan or an FSEOG to a student if that loan or the FSEOG, combined with the other estimated financial assistance the student receives, does not exceed the student's financial need. (2) FWS Program. An institution may only award FWS employment...

34 CFR 673.5 - Overaward.

Code of Federal Regulations, 2012 CFR

2012-07-01

... Programs. An institution may only award or disburse a Federal Perkins loan or an FSEOG to a student if that loan or the FSEOG, combined with the other estimated financial assistance the student receives, does not exceed the student's financial need. (2) FWS Program. An institution may only award FWS employment...

34 CFR 673.5 - Overaward.

Code of Federal Regulations, 2013 CFR

2013-07-01

... Programs. An institution may only award or disburse a Federal Perkins loan or an FSEOG to a student if that loan or the FSEOG, combined with the other estimated financial assistance the student receives, does not exceed the student's financial need. (2) FWS Program. An institution may only award FWS employment...

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

PubMed Central

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

2017-01-01

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

76 FR 31312 - Federal Family Education Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-31

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

Guide to Selected Federal Assistance Programs for Undergraduate Students.

ERIC Educational Resources Information Center

Stedman, Jim; Scott, Marcia

Information is provided on 14 federal programs providing financial assistance to undergraduate students in universities, colleges, and vocational/technical schools. The programs provide three different types of assistance: grants (or scholarships), loans, and job earnings. Grants and scholarships do not have to be repaid, but loans do. Some of the…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-15

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

34 CFR 682.508 - Assignment of a loan.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-17

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

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…

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…

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

ERIC Educational Resources Information Center

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

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

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…

Direct Loan Training Trainee Guide.

ERIC Educational Resources Information Center

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

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

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…

34 CFR 685.303 - Processing loan proceeds.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

What the Federal Government Owes Student Borrowers

ERIC Educational Resources Information Center

Combe, Paul

2009-01-01

This nation's federal student-loan system has reached a tipping point that, with the new leadership in Washington, offers a rare opportunity to create real change. To create a more consumer-focused student-loan program with both public and private capital, the Education Department, lenders, colleges in both programs, guarantors, and others should…

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

ERIC Educational Resources Information Center

National Commission on Student Financial Assistance, Washington, DC.

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

Borrowing at the Maximum: Undergraduate Stafford Loan Borrowers in 2007-08. Stats in Brief. NCES 2012-161

ERIC Educational Resources Information Center

Wei, Christina Chang; Skomsvold, Paul

2011-01-01

Using data from the 2007-08 National Postsecondary Student Aid Study (NPSAS:08), this Statistics in Brief examines the extent to which undergraduate students borrow the maximum possible within the limits of the Stafford loan program (the program maximum) and their own financial need and student budgets (the individual maximum). Students who…

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

ERIC Educational Resources Information Center

Chance, William

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

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

ERIC Educational Resources Information Center

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

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

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…

76 FR 72917 - Notice of Proposed Information Collection Requests

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-28

... Loan (Direct Loan) Program under a special initiative announced by the White House in an October 25, 2011 fact sheet titled ``Help Americans Manage Student Loan Debt.'' Loans made under this initiative...

34 CFR 668.61 - Recovery of funds.

Code of Federal Regulations, 2011 CFR

2011-07-01

... in which the institution disbursed Federal Pell Grant, ACG, National SMART Grant, Federal Perkins...-Study (FWS), Federal Perkins Loan, and Direct Subsidized Loan programs. Unsubsidized student financial...), the institution may not— (i) Disburse any Federal Pell Grant, FSEOG, or Federal Perkins Loan Program...

Effectiveness of the Incentive Loan Program for Mathematics and Science Teachers--Washington State 1983-1986. Part III: Report to Washington State Legislature Incentive Loan Program for Mathematics and Science Teachers.

ERIC Educational Resources Information Center

Harder, Annie K.; And Others

The effectiveness of a loan program in providing an incentive for students to prepare for mathematics and/or science teaching in Washington State is described in this report. It is the third of a three part report to the Washington State Legislature regarding the Teacher Incentive Loan Program for Mathematics and Science. Recipients of forgiveness…

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

ERIC Educational Resources Information Center

Delisle, Jason; Holt, Alexander

2017-01-01

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

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…

34 CFR 674.10 - Selection of students for loans.

Code of Federal Regulations, 2011 CFR

2011-07-01

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

34 CFR 674.10 - Selection of students for loans.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

Student Loans in Ghana.

ERIC Educational Resources Information Center

Kotey, N.

1992-01-01

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

Agency Theory, Incentives, and Student Loans.

ERIC Educational Resources Information Center

Rudner, Lawrence M.

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

Loans for Adult Learners: A Postsecondary Education Perspective.

ERIC Educational Resources Information Center

Arbeiter, Solomon

1979-01-01

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

Student Financial Aid. High Risk Series.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC.

This report discusses the continuing concerns of the U.S. General Accounting Office (GAO) in regard to the Department of Education's management and oversight of postsecondary student financial aid programs, especially the Federal Family Education Loan, the Ford Direct Loan, and the Federal Pell Grant Programs. GAO commends the department for its…

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

ERIC Educational Resources Information Center

Touche Ross and Co., Washington, DC.

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

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

ERIC Educational Resources Information Center

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

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

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

Code of Federal Regulations, 2011 CFR

2011-07-01

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

ERIC Educational Resources Information Center

Mortenson, Thomas G.

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

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…

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…

Student Loan Programs. As Federal Costs of Loan Consolidation Rise, Other Options Should be Examined. Report to Congressional Requesters.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC.

In this report GAO recommends that the Secretary of Education assess the advantages of consolidation loans for borrowers and the government in light of program costs and identify options for reducing federal costs. Options could include targeting the program to borrowers at risk of default and extending existing consolidation alternatives to more…

Direct Student Loan Program: Management Actions Could Enhance Customer Service. Report to the Ranking Minority Member, Committee on Health, Education, Labor, and Pensions, U.S. Senate.

ERIC Educational Resources Information Center

General Accounting Office, Washington, DC.

This report suggests to congress that they consider clarifying whether Education may regulate the fees charged to borrowers under the Direct Loan Program. It also suggests that FSA collect information from schools that could be used to make improvements to the Direct Loan Program. (Author)

34 CFR 674.12 - Loan maximums.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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

PubMed

Fakunmoju, Sunday B; Kersting, Robert C

2016-10-01

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

Federal Family Education Loan Program: Increased Department of Education Oversight of Lender and School Activities Needed to Help Ensure Program Compliance. Report to Congressional Requesters. GAO-07-750

ERIC Educational Resources Information Center

Scott, George A.

2007-01-01

Concerns have been raised about the Department of Education's (Education) role in overseeing the lenders and schools that participate in the largest of the federal government's student loan programs, the Federal Family Education Loan Program (FFELP). GAO was asked to analyze Education's use of its oversight, guidance, and enforcement authorities…

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

ERIC Educational Resources Information Center

Barone, Sandra

2006-01-01

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

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

ERIC Educational Resources Information Center

Barone, Sandra; Steiner, Matt; Teszler, Natali

2005-01-01

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

Direct Lending Works.

ERIC Educational Resources Information Center

Riley, Richard W.

1997-01-01

In its third year, direct lending is working well for college students and administration. It is a simpler, faster, more efficient way of getting loan funds to students that cuts out financial middlemen. It helps students manage their finances better when repaying loans, promotes competition, stimulates program innovation, leads to greater…

The Role of Market Forces in Providing Student Loans.

ERIC Educational Resources Information Center

Burd, Stephen

2000-01-01

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

Student Loans: A Slippery Lifeline.

ERIC Educational Resources Information Center

Bollag, Burton

2001-01-01

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

Abuses in Federal Student Aid Programs: Hearings Before the Permanent Subcommittee on Investigations of the Committee on Governmental Affairs. United States Senate, One Hundred First Congress, Second Session (February 20, 26, 1990).

ERIC Educational Resources Information Center

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

This document presents oral testimony and prepared statements on the subject of federal student loan programs identified as particularly vulnerable to fraud, waste, and abuse. Opening statements by the four Senators (Nunn, Kohl, Roth, and Levin) stress the seriousness of increasing student loan defaults and abuses by proprietary, for profit, trade…

75 FR 51395 - AmeriCorps National Service Program

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-20

... members, nearly 500,000 Senior Corps volunteers, 1.5 million Learn and Serve America students, and three... eligible for the payment of accrued interest on qualified student loans; Amends the amount of a full-time... education awards: to repay qualified student loans, to pay for current educational expenses at an...

Arts Students in Debt: Concerns, Consequences, and Interventions

ERIC Educational Resources Information Center

White, Jason C.

2016-01-01

While there are many educational and experiential benefits to attending professional higher arts education programs, students who incur excessive student loan debt during their studies may experience unanticipated or poor professional outcomes either over the course of their artistic careers, shortly after the expiration of a loan grace period, or…

Examining "One Grant, One Loan." NASFAA Task Force Report

ERIC Educational Resources Information Center

National Association of Student Financial Aid Administrators, 2016

2016-01-01

Growing concern over the complexity of the federal financial aid system and a push toward simplification has led to increased attention toward streamlining the federal student aid programs. Specifically, several proposals and policy papers have recommended consolidating the federal aid programs into one grant program and one loan program, commonly…

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…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-08-01

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

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

ERIC Educational Resources Information Center

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

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

34 CFR 668.165 - Notices and authorizations.

Code of Federal Regulations, 2013 CFR

2013-07-01

... student's account at the institution with Direct Loan, FFEL, Federal Perkins Loan, or TEACH Grant Program... disbursement TEACH Grant, or TEACH Grant disbursement and have the loan proceeds returned to the holder of that loan, the TEACH Grant proceeds returned to the Secretary. However, if the institution releases a check...

34 CFR 668.165 - Notices and authorizations.

Code of Federal Regulations, 2010 CFR

2010-07-01

... student's account at the institution with Direct Loan, FFEL, Federal Perkins Loan, or TEACH Grant Program... disbursement TEACH Grant, or TEACH Grant disbursement and have the loan proceeds returned to the holder of that loan, the TEACH Grant proceeds returned to the Secretary. However, if the institution releases a check...

34 CFR 668.165 - Notices and authorizations.

Code of Federal Regulations, 2012 CFR

2012-07-01

... student's account at the institution with Direct Loan, FFEL, Federal Perkins Loan, or TEACH Grant Program... disbursement TEACH Grant, or TEACH Grant disbursement and have the loan proceeds returned to the holder of that loan, the TEACH Grant proceeds returned to the Secretary. However, if the institution releases a check...

34 CFR 668.165 - Notices and authorizations.

Code of Federal Regulations, 2014 CFR

2014-07-01

... student's account at the institution with Direct Loan, FFEL, Federal Perkins Loan, or TEACH Grant Program... disbursement TEACH Grant, or TEACH Grant disbursement and have the loan proceeds returned to the holder of that loan, the TEACH Grant proceeds returned to the Secretary. However, if the institution releases a check...

34 CFR 668.165 - Notices and authorizations.

Code of Federal Regulations, 2011 CFR

2011-07-01

... student's account at the institution with Direct Loan, FFEL, Federal Perkins Loan, or TEACH Grant Program... disbursement TEACH Grant, or TEACH Grant disbursement and have the loan proceeds returned to the holder of that loan, the TEACH Grant proceeds returned to the Secretary. However, if the institution releases a check...

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

ERIC Educational Resources Information Center

Maliwesky, Martin J.

2012-01-01

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

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

ERIC Educational Resources Information Center

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

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

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…

A Self-Instructional Course in Student Financial Aid Administration. Module 12: The Campus-Based Programs: SEOG, CWS, and Perkins Loan. Second Edition.

ERIC Educational Resources Information Center

Washington Consulting Group, Inc., Washington, DC.

The twelfth module in a 17-module self-instructional course on student financial aid administration discusses campus-based financial programs. They are SEOG (Supplemental Educational Opportunity Grant), CWS (College Work-Study), and Perkins Loans. It is part of a full course designed for novice financial aid administrators and other institutional…

Reauthorization of the Higher Education Act. Guaranteed Student Loans, Volume 1. Hearing before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, Ninety-Ninth Congress, First Session (June 4, 5, 11, 13, 19, and 20, 1985).

ERIC Educational Resources Information Center

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

Hearings on reauthorization of the Higher Education Act, and specifically Guaranteed Student Loans (GSL), are presented, with a focus on issues of multiple disbursements, loan consolidation, subsidies, and copayments. Witnesses represent the lending institutions, secondary markets, and students. The GSL program is designed to promote the…

42 CFR 60.1 - What is the HEAL program?

Code of Federal Regulations, 2010 CFR

2010-10-01

... Assistance Loan (HEAL) program is a program of Federal insurance of educational loans to graduate students in... borrow money to pay for their educational costs. In addition, certain nonstudents (such as doctors... Justice for litigation. (d) Any person who knowingly makes a false statement or misrepresentation in a...

Financing physical therapy doctoral education: methods used by entry-level students and the financial impact after graduation.

PubMed

Thompson, Kris; Coon, Jill; Handford, Leandrea

2011-01-01

With the move to the doctor of physical therapy (DPT) degree and increasing tuition costs, there is concern about financing entry-level education. The purposes of this study were to identify how students finance their DPT education and to describe the financial impact after graduation. A written survey was used to collect data on financing DPT education, student debt, and the financial impact on graduates. There were 92 subjects who had graduated from one program. Frequencies as well as nonparametric statistics using cross-tabulations and chi-squared statistics were calculated. The response rate was 55%. Of the respondents, 86% had student loans, 66% worked during school, 57% received some family assistance, and 21% had some scholarship support. The amount of monthly loan repayment was not statistically related to the ability to save for a house, the ability to obtain a loan for a house or car, or the decision to have children. Saving for the future (p = 0.016) and lifestyle choices (p = 0.035) were related to the amount of monthly loan repayment. Major sources of funding were student loans, employment income, and/or family assistance. Respondent's ability to save for the future and lifestyle choices were negatively impacted when loan debt increased. Physical therapist education programs should consider offering debt planning and counseling.

Oversight on National Direct Student Loan Program Regulations. Hearing Before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, Ninety-Seventh Congress, Second Session.

ERIC Educational Resources Information Center

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

Hearings on the Department of Education's final regulation governing the National Direct Student Loan (NDSL) Program are presented. The final regulation makes three changes: calculation of the federal capital contribution, which is the amount of new federal dollars allocated to institutions each year; the eligibility of institutions to receive…

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…

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

ERIC Educational Resources Information Center

McClure, Tracae M.

2017-01-01

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

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…

An Economic Analysis of Alternative Programs to Finance Higher Education.

ERIC Educational Resources Information Center

Mathematica, Inc., Bethesda, MD.

The Federal government operates several programs that provide money, either as loans or as a combination of grants and loans, to students. This paper attempts to clarify the economic and budgetary implications associated with continuing these existing programs, and discusses the differing economic consequences that would follow if some alternative…

78 FR 28810 - Agency Information Collection Activities; Submission to the Office of Management and Budget for...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-16

..., Perkins and TEACH Grant Total and Permanent Disability Discharge Forms AGENCY: Federal Student Aid (FSA... notice will be considered public records. Title of Collection: Direct Loan, FFEL, Perkins and TEACH Grant... 1965, as amended, applies for discharge of his or her Direct Loan, FFEL, or Perkins loan program loans...

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…

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…

H.R. 3221: Student Aid and Fiscal Responsibility Act of 2009. Congressional Budget Office Cost Estimate

ERIC Educational Resources Information Center

Congressional Budget Office, 2009

2009-01-01

H.R. 3221 would amend the Higher Education Act of 1965, which authorizes most federal postsecondary education programs. It would prohibit new federally guaranteed loans from being made under the Federal Family Education Loan (FFEL) Program and would increase direct spending for the Federal Pell Grant Program and other programs. The elimination of…

Accounting, Recordkeeping, and Reporting by Colleges and Universities for Federally Funded Student Financial Aid Programs (The "Blue Book").

ERIC Educational Resources Information Center

Bureau of Student Financial Assistance (DHEW/OE), Washington, DC.

This manual was prepared to assist postsecondary education institutions in meeting their responsibilities in the administration of federal student aid programs: the Basic Educational Grant Program, College Work-Study Program, National Direct Student Loan Program, and Supplemental Educational Opportunity Grants Program. Areas are identified in…

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

ERIC Educational Resources Information Center

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

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

Cost Sharing in Public Universities: A Kenyan Case Study.

ERIC Educational Resources Information Center

Rodrigues, Anthony J.; Wandiga, Shem O.

1997-01-01

Presents an analysis of government policy on higher education finance in Kenya, outlines parameters of an appropriate tuition policy (cost recovery, equity, equal access, affordability, student loan program objectives), and provides a model for simulating loan program outcomes. Suggests several proposed policy and administrative reforms concerning…

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.

Report Says Colleges Bilking Loan Program: A Report from the Government Accountability Office of the United States

ERIC Educational Resources Information Center

Pekow, Charles

2005-01-01

A program designed to provide student aid has spun out of control, becoming a cash cow for colleges and universities. The Department of Education has not adequately controlled the Federal Family Education Loan Program (FFELP), according to a recent report from the Government Accountability Office (GAO). Originally, traditional lending institutions…

34 CFR 682.204 - Maximum loan amounts.

Code of Federal Regulations, 2010 CFR

2010-07-01

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

34 CFR 674.46 - Litigation procedures.

Code of Federal Regulations, 2011 CFR

2011-07-01

..., DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Due Diligence § 674.46 Litigation procedures. (a)(1) If... the borrower's Federal Perkins, NDSL and National Defense Student Loans held by that institution, is...

34 CFR 601.10 - Preferred lender arrangement disclosures.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Loan (FFEL) Program from any eligible lender the student selects; and (2) On such covered institution's... interest rates, or other terms and conditions or provisions of Title IV, HEA program loans or private... loyalty to compile the preferred lender list under paragraph (d) of this section without prejudice and for...

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

ERIC Educational Resources Information Center

Ashby, Cornelia M.

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

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

ERIC Educational Resources Information Center

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

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

Inconsistencies in Awarding Financial Aid to Students Under Four Federal Programs. Report to the Congress of the United States by the Comptroller General.

ERIC Educational Resources Information Center

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

Four federal programs were investigated for inconsistencies in awarding financial aid to college students: the Supplemental Educational Opportunity Grants, Basic Educational Opportunity Grants, College Work-Study Program, and National Direct Student Loan Program. Their methods for determining student need and their legislative histories are…

75 FR 12217 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-15

... DEPARTMENT OF EDUCATION Federal Perkins Loan, Federal Work-Study, and Federal Supplemental... undergraduate and graduate students to help pay for their education. The FWS Program encourages the part-time employment of needy undergraduate and graduate students to help pay for their education and to involve the...

Student Financial Aid. Data Not Fully Utilized To Identify Inappropriately Awarded Loans and Grants. Report to the Ranking Minority Member, Permanent Subcommittee on Investigations, Committee on Governmental Affairs, U.S. Senate.

ERIC Educational Resources Information Center

Blanchette, Cornelia M.; And Others

This report examines the U.S. Department of Education's Federal Family Education Loan Program (FFELP) and Federal Pell Grant Program (FPGP), focusing on the extent to which the Department's student aid data are effectively used to help ensure compliance with federal requirements and prevent any abuses from recurring and the improvements that the…

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

ERIC Educational Resources Information Center

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

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

The Effects of Higher Loan Limits and Need Analysis Changes on FFELP Borrowing in Pennsylvania, July to December 1992 to 1993.

ERIC Educational Resources Information Center

Redd, Kenneth E.

This study examined the effects of the Higher Education Amendments of 1992 on Federal Family Education Loan Program (FFELP) borrowing in Pennsylvania during the July-to-December periods of 1992 to 1993. The Amendments increased the annual borrowing limits for the Federal Stafford loans and Federal Supplemental Loans for Students (SLS), eliminated…

Public Service Loan Forgiveness. NASFAA Task Force Report

ERIC Educational Resources Information Center

National Association of Student Financial Aid Administrators, 2014

2014-01-01

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

34 CFR 668.32 - Student eligibility-general.

Code of Federal Regulations, 2012 CFR

2012-07-01

... Direct Loan programs, is enrolled for no longer than one twelve-month period in a course of study... student enrolled in a post-baccalaureate program, has not completed the requirements for a first baccalaureate degree; or (ii) For the purposes of a student in a first post-baccalaureate program, has not...

34 CFR 668.32 - Student eligibility-general.

Code of Federal Regulations, 2013 CFR

2013-07-01

... Direct Loan programs, is enrolled for no longer than one twelve-month period in a course of study... student enrolled in a post-baccalaureate program, has not completed the requirements for a first baccalaureate degree; or (ii) For the purposes of a student in a first post-baccalaureate program, has not...

34 CFR 668.32 - Student eligibility-general.

Code of Federal Regulations, 2010 CFR

2010-07-01

... Direct Loan programs, is enrolled for no longer than one twelve-month period in a course of study... student enrolled in a post-baccalaureate program, has not completed the requirements for a first baccalaureate degree; or (ii) For the purposes of a student in a first post-baccalaureate program, has not...

34 CFR 668.32 - Student eligibility-general.

Code of Federal Regulations, 2014 CFR

2014-07-01

... Direct Loan programs, is enrolled for no longer than one twelve-month period in a course of study... student enrolled in a post-baccalaureate program, has not completed the requirements for a first baccalaureate degree; or (ii) For the purposes of a student in a first post-baccalaureate program, has not...

34 CFR 668.32 - Student eligibility-general.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Direct Loan programs, is enrolled for no longer than one twelve-month period in a course of study... student enrolled in a post-baccalaureate program, has not completed the requirements for a first baccalaureate degree; or (ii) For the purposes of a student in a first post-baccalaureate program, has not...

34 CFR 682.510 - Determination of the borrower's death, total and permanent disability, or bankruptcy.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Determination of the borrower's death, total and permanent disability, or bankruptcy. 682.510 Section 682.510 Education Regulations of the Offices of the... EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.510 Determination of the...

The World in Their Laps.

ERIC Educational Resources Information Center

Duncan, Lucy E.

2003-01-01

Discusses the St. Philip's College (SPC) Learning Resource Center laptop loaning program. States that SPC is a Historically Black College and Hispanic Serving Institution that is now rewarding honors students by lending them laptops for a semester at a time. Discusses the development of the loaning program. Provides a list of Web sites for anyone…

Health Professions Educational Assistance Amendments of 1985. Report Together with Additional Views to Accompany H.R. 2410. House of Representatives, Ninety-Ninth Congress, First Session.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Energy and Commerce.

A bill amending the Public Health Service Act to revise and extend programs under Title VII (health professions programs) is addressed in this congressional report. The bill reauthorizes for 3 years the following programs: the Health Education Assistance Loan program of insurance for market-rate student loans (the ceiling is raised); the Health…

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…

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

ERIC Educational Resources Information Center

Hansen, Janet S.; Wolfe, Mark L.

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

77 FR 58818 - Notice of Proposed Information Collection Requests; Federal Student Aid; William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-24

..., App. Section 207 (d)) that may be charged on Federal Family Education Loan Program loans made prior to... DEPARTMENT OF EDUCATION Notice of Proposed Information Collection Requests; Federal Student Aid... mailed to [email protected] or mailed to U.S. Department of Education, 400 Maryland Avenue SW., LBJ...

Direct Loans. An Assessment of the Clinton Administration's Proposals and Some Suggestions for Improvement. AGB Public Policy Series, No. 93-1.

ERIC Educational Resources Information Center

Hauptman, Arthur M.

1993-01-01

In 1992 the Clinton Administration proposed phasing out the federally guaranteed student loan program and replacing it with a direct lending program run entirely by the federal government, claiming that this approach would save taxpayer money and simplify a complex program. Opponents of the Administration plan argued instead for changes in federal…

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

... Income Contingent Repayment Plan Alternative Documentation of Income SUMMARY: This form serves as the means by which a borrower who is repaying Direct Loan Program loans under the Income-Contigent Repayment (ICR) Plan or the Income-Based Repayment (IBR) Plan provides the U.S. Department of Education (the...

Economic Diversity in Elite Higher Education: Do No-Loan Programs Impact Pell Enrollments?

ERIC Educational Resources Information Center

Hillman, Nicholas W.

2013-01-01

Several wealthy colleges and universities have recently begun removing all loans from low-income students' financial aid packages. This article reports on a study that found that the introduction of "no-loan" policies has positively impacted low-income enrollments, suggesting that this aid strategy may be an effective, though limited,…

Student Aid and Postsecondary Tax Preferences. Limited Research Exists on Effectiveness of Tools to Assist Students and Families through Title IV Student Aid and Tax Preferences. Report to the Committee on Finance, U.S. Senate. GAO05-684

ERIC Educational Resources Information Center

Government Accountability Office, 2005

2005-01-01

Federal assistance helps students and families pay for postsecondary education through several policy tools--grant and loan programs authorized by title IV of the Higher Education Act of 1965 and more recently enacted tax preferences. In fiscal year 2004, about $14 billion in grants and $56 billion in loans were made under title IV while…

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…

Forgiving Loans of Those in Public Service Grows Popular, but Programs Are Unproven

ERIC Educational Resources Information Center

Field, Kelly

2007-01-01

As the cost of college continues to rise, more and more graduates are entering public-service careers like nursing, teaching, and social work with unmanageable levels of student debt. Many will struggle to repay their student loans while meeting their own basic needs. While some debts can be manageable for lawyers at private firms, it can be a…

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

ERIC Educational Resources Information Center

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

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

Financial Statement Audit: U.S. Department of Education, Federal Direct Student Loan Program for the Year Ended September 30, 1994. Audit Control Number 17-48320.

ERIC Educational Resources Information Center

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

An independent audit was done of the principal financial statements of the William D. Ford Federal Direct Loan Program of the Department of Education for the year ending September 30, 1994. In planning and performing the review the auditors considered the internal control structure of the program in order to determine auditing procedures. The…

76 FR 37095 - Privacy Act of 1974; System of Records

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-24

... determine whether an educational program provides training to prepare students for gainful employment in a... educational program provides training to prepare students for gainful employment in a recognized occupation... program borrow in private educational loans and receive from institutionally provided financing plans, as...

Recent Changes in Federal Student Aid. CRS Report for Congress.

ERIC Educational Resources Information Center

Schenet, Margot A.

This report discusses recent changes in federal aid to postsecondary students enacted by Congress during 1992-93, focusing on the 1992 Amendments to the Higher Education Act and the 1993 Federal Direct Student Loan (DL) Program. The report reviews recent issues surrounding federal aid to postsecondary students, such as program accountability and…

Oversight Hearing on the Reauthorization of the Higher Education Act of 1965. Hearing before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, Ninety-Ninth Congress, First Session (Cedar Rapids, IA).

ERIC Educational Resources Information Center

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

Recommendations and issues concerning reauthorization of the Higher Education Act of 1965 are presented in testimony from representatives of public and private colleges, students, counselors, lenders, guaranteed student loan programs, state loan and grant administrators, and student aid officials. Specific references are made to the effect of the…

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

PubMed

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

2017-12-01

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

Feasibility of a home-delivered Internet obesity prevention program for fourth-grade students.

PubMed

Owens, Scott; Lambert, Laurel; McDonough, Suzanne; Green, Kenneth; Loftin, Mark

2009-08-01

This pilot study examined the feasibility of an interactive obesity prevention program delivered to a class of fourth-grade students utilizing daily e-mail messages sent to the students' home computers. The study involved a single intact class of 22 students, 17 (77%) of whom submitted parental permission documentation and received e-mail messages each school day over the course of one month. Concerns regarding Internet safety and children's use of e-mail were addressed fairly easily. Cost/benefit issues for the school did not seem prohibitive. Providing e-mail access to students without a home computer was accomplished by loaning them personal digital assistant (PDA) devices. In larger interventions, loaning PDAs is probably not feasible economically, although cell phones may be an acceptable alternative. It was concluded that this type of interactive obesity prevention program is feasible from most perspectives. Data from a larger scale effectiveness study is still needed.

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

ERIC Educational Resources Information Center

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

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

34 CFR 682.607 - Payment of a refund or a return of title IV, HEA program funds to a lender upon a student's...

Code of Federal Regulations, 2014 CFR

2014-07-01

... loan has been transferred and the school knows the new holder's identity; and (2) Must provide... funds upon a student's withdrawal for an academic period that is allocable to a FFEL loan received by the borrower for that academic period, the school must follow the procedures established in part 668...

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…

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…

Transfer of financial risk and alternative financing solutions.

PubMed

Levitt, Jeffrey C

2004-01-01

The high cost of health care in the United States has created a number of alarming economic and social problems. It has contributed to a greater number of underinsured and uninsured individuals living in the United States, and forced people to either ration or not purchase the care they need. Accumulated medical debt is grossly disproportionate to the US median AGI, and accounted for at least 25 percent of all personal bankruptcies. For patients, a guaranteed loan program specifically for medical procedures and treatments with below market interest rates would help alleviate bankruptcies related to medical debt by lowering payments and extending the loan maturities. A guaranteed loan program would also improve the debt charge-off rate for medical providers that carry patient receivables and reduce the risk of their balance sheets. This might hold or reduce the rate at which health care inflation grows. The health care loan program could model the current student loan programs and produce significant economic and societal benefits.

Assessment of Alternative Student Aid Delivery Systems: Assessment of the Current Delivery System.

ERIC Educational Resources Information Center

Advanced Technology, Inc., Reston, VA.

The effects of the current system for delivering federal financial assistance to students under the Pell Grant, Guaranteed Student Loan (GSL), and campus-based programs are analyzed. Information is included on the use of the assessment model, which combines program evaluation, systems research, and policy analysis methodologies.…

75 FR 34805 - Program Integrity Issues

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-18

...The Secretary proposes to improve integrity in the programs authorized under title IV of the Higher Education Act of 1965, as amended (HEA) by amending the regulations for Institutional Eligibility Under the HEA, the Secretary's Recognition of Accrediting Agencies, the Secretary's Recognition Procedures for State Agencies, the Student Assistance General Provisions, the Federal Family Education Loan (FFEL) Program, the William D. Ford Federal Direct Loan Program, the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program, the Federal Pell Grant Program, and the Academic Competitiveness Grant (AGC) and National Science and Mathematics Access to Retain Talent Grant (National Smart Grant) Programs.

75 FR 66831 - Program Integrity Issues

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-29

...The Secretary is improving integrity in the programs authorized under title IV of the Higher Education Act of 1965, as amended (HEA), by amending the regulations for Institutional Eligibility Under the HEA, the Secretary's Recognition of Accrediting Agencies, the Secretary's Recognition Procedures for State Agencies, the Student Assistance General Provisions, the Federal Family Education Loan (FFEL) Program, the William D. Ford Federal Direct Loan Program, the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program in part 686, the Federal Pell Grant Program, and the Academic Competitiveness Grant (AGC) and National Science and Mathematics Access to Retain Talent Grant (National Smart Grant) Programs.

Third Annual Report of the Advisory Council on Financial Aid to Students.

ERIC Educational Resources Information Center

Bureau of Postsecondary Education (DHEW/OE), Washington, DC.

The council's recommendations for 1977 for college-based financial aid programs and for the guaranteed student loan program are both summarized and explained, and the progress of financial aid programs in 1976-77 is reviewed. The latter review includes the training of aid administrators, aid application simplification, regulations and guidelines,…

Borrowing and Working of Low-Income Students: The Impact of a Summer Transition Program

ERIC Educational Resources Information Center

De La Rosa, Mari Luna

2012-01-01

This study focuses on how low-income students determine employment and student loan borrowing options before they begin college, as part of the final stages of their college choice process. More specifically, this study asks, "during a six-week summer transition program, what choices are made by low-income students with employment or borrowing…

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

ERIC Educational Resources Information Center

Carter, Ronatta Daphne

2012-01-01

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

Abuses in Federal Student Aid Programs. Report Made by the Permanent Subcommittee on Investigations of the Committee on Governmental Affairs United States Senate.

ERIC Educational Resources Information Center

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

This report on abuses in federal student aid programs, particularly the Guaranteed Student Loan Program (GSLP), is based on information gathered by the Senate Permanent Subcommittee on Investigations in the course of its overall investigation and the testimony and exhibits received during the course of hearings held between February and October,…

GAO's Views on the Default Task Force's Recommendations for Reducing Default Costs in the Guaranteed Student Loan Program. Testimony before the Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

ERIC Educational Resources Information Center

Gainer, William J.

This General Accounting Office (GAO) testimony before the Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives, concerns the findings of the task force that addressed the increasing costs of student loan defaults. The task force report is considered, generally, to provide additional incentives and…

School-related expenses, living expenses, and income sources for graduate students in nurse anesthesia programs.

PubMed

Heikkila, Dianna

2002-02-01

Nurse anesthesia programs (NAPs) are the highest priced programs for graduate students compared with 7 other nursing master's degree programs. Not only are nurse anesthesia programs expensive, but also most students are encouraged by the policies within their individual programs to terminate full-time employment before matriculation. The purpose of this study was to determine school-related and living expenses, as well as the income and sources of income for graduate students in the second year of their NAP. To obtain the information, a student cost survey was designed and administered to participants attending NAPs across the United States during the 2001 school year. In addition, total degree costs were analyzed using a cost model assessing 4 components: educational costs, living expenses, net income foregone, and loan costs. The results showed that total degree costs incurred by graduate students in NAPs to complete their nurse anesthesia education totals $173,007. The analysis of the sources of income showed the following sources were used by respondents: guaranteed student loans; a spouse's income; agreements with future employers; stipends from universities, hospitals, and/or the military; grants; family support; and self-income. Completing a nurse anesthesia education program is expensive, although the expected return on the investment is high. Nevertheless, the expense may keep qualified graduate students from entering NAPs.

Genetic Counseling Graduate Student Debt: Impact on Program, Career and Life Choices

PubMed Central

Kuhl, Ashley; Reiser, Catherine; Eickhoff, Jens; Petty, Elizabeth M

2015-01-01

The cost of education is rising, increasing student financial aid and debt for students pursuing higher education. A few studies have assessed the impact of student debt in medicine, physical therapy and social work, but little is known about the impact of student debt on genetic counseling students and graduates. To address this gap in knowledge, a web-based study of 408 recent alumni of genetic counseling programs in North America was conducted to assess the impact of student debt on program, career and life choices. Over half (63%; n=256/408) of the participants reported that loans were extremely important in their ability to attend their training program, with most using subsidized loans no longer available to current graduate students. While participants were generally satisfied with their genetic counseling education, 83% (n=282/342) of participants with student debt reported feeling burdened by their debt, which had a median of $40,000-$50,000. This debt is relatively close to the median starting salary reported by survey participants ($45,000-$50,000), breaching the “20-10 rule” that states student debt should not exceed 20% of annual net income. In response to this critical issue, we propose recommendations for the genetic counseling field that may help alleviate student debt impact and burden. PMID:24578121

34 CFR 673.5 - Overaward.

Code of Federal Regulations, 2010 CFR

2010-07-01

... loan or the FSEOG, combined with the other estimated financial assistance the student receives, does not exceed the student's financial need. (2) FWS Program. An institution may only award FWS employment to a student if the award, combined with the other estimated financial assistance the student...

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 to...

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 to...

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 to...

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 to...

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 to...

Problems Confronting the Higher Education Assistance Foundation. Hearing on Examining the Financial Difficulties Confronting the Higher Education Assistance Foundation and the Impact That Situation Has on the Guaranteed Student Loan Programs of the Department of Education before the Subcommittee on Education, Arts, and Humanities of the Committee on Labor and Human Resources. United States Senate, One Hundred First Congress, Second Session.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. Senate Subcommittee on Education, Arts and Humanities.

This document reports oral testimony and prepared statements of persons who testified at hearings on the financial difficulties confronting the Higher Education Assistance Foundation (HEAF) and the impact that situation has on the Stafford Student Loan Program of the Department of Education. Witnesses included: Lauro F. Cavazos, U.S. Department of…

Federal Student Aid Handbook, 2006-2007. Volume 1: Student Eligibility

ERIC Educational Resources Information Center

US Department of Education, 2006

2006-01-01

There are many factors to be considered when reviewing a student's application for aid from the FSA programs, such as whether the student is a U.S. citizen or permanent resident, whether the student is making satisfactory academic progress, and whether the student has a defaulted FSA loan. This volume of the Federal Student Aid Handbook discusses…

Who Receives Federal Student Aid?

ERIC Educational Resources Information Center

College Entrance Examination Board, Washington, DC.

Information on federal student aid recipients by income, undergraduate and graduate level, and financial dependency status is presented for Pell Grants, campus-based programs, and Guaranteed Student Loans (GSL). Income data are reported for all aid recipients and for financially dependent and independent students for 1983-1984 and for 1976-1977,…

Take One Small Step: Traveling the Path to Default Reduction.

ERIC Educational Resources Information Center

O'Neal, Sharon; Kent, Connie

2002-01-01

Reviews tips from financial aid programs aimed at reducing default on student loans. Tips include: know your students, target your efforts, help students stay in school, give students appropriate information during "learning moments," and make information easy to get and understand. Includes lists of other resources. (EV)

Community College Students and Federal Student Financial Aid: A Primer

ERIC Educational Resources Information Center

Juszkiewicz, Jolanta

2014-01-01

The federal government plays an indispensable role in helping community college students pay for their education. It is hard to imagine today's community college campuses without needs-based federal student aid, such as the Pell Grant program and subsidized loans. There are, however, significant differences between community college students and…

Graduating from College: The Impossible Dream for Most First-Generation Students

ERIC Educational Resources Information Center

Sanacore, Joseph; Palumbo, Anthony

2016-01-01

Some colleges engage in unethical practices to balance their budgets, such as accepting "marginal" students who qualify for loans and government-backed financial aid but not providing these students with the services and programs they need to achieve success. Too many low-income students who are often first-generation students find…

Outlook for Education Financing: What Does the Future Hold?

ERIC Educational Resources Information Center

Biklen, Stephen C.

1996-01-01

It is argued that rising costs and declining federal student loan programs highlight the key role of the in-school interest subsidy in educational finance. Six possible scenarios are outlined, each differentially balancing indirect/direct lending and government/private involvement. Professionals are urged to find a program that serves students, is…

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

Code of Federal Regulations, 2011 CFR

2011-10-01

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

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

Code of Federal Regulations, 2010 CFR

2010-10-01

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

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

Code of Federal Regulations, 2012 CFR

2012-10-01

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

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

Code of Federal Regulations, 2013 CFR

2013-10-01

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

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

Code of Federal Regulations, 2014 CFR

2014-10-01

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

Student Financial Assistance | Nova Southeastern University

Science.gov Websites

SharkLink Student Portal Graduate & Professional Master's Over 60 degrees in fields like business and information sciences, and pharmacy. Professional Programs in high demand fields such as medicine Benefits Loans Payment Plans Net Price Calculator Graduate & Professional Scholarships Grants Student

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. Any...

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. Any...

42 CFR 57.305 - Nursing student loan funds.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

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. Any...

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. Any...

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

Code of Federal Regulations, 2010 CFR

2010-10-01

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

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

ERIC Educational Resources Information Center

Norvilitis, Jill M.; Bat, Meghan J.

2016-01-01

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

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

Code of Federal Regulations, 2010 CFR

2010-10-01

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

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2014 CFR

2014-10-01

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

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2011 CFR

2011-10-01

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

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2012 CFR

2012-10-01

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

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

Code of Federal Regulations, 2014 CFR

2014-10-01

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

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

Code of Federal Regulations, 2011 CFR

2011-10-01

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

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

Code of Federal Regulations, 2013 CFR

2013-10-01

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

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

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

Code of Federal Regulations, 2012 CFR

2012-10-01

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

42 CFR 57.308 - Nursing student loan promissory note.

Code of Federal Regulations, 2013 CFR

2013-10-01

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

Student Financial Aid Handbook, 2001-2002. Volume 1: Student Eligibility.

ERIC Educational Resources Information Center

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

This volume discusses the eligibility requirements for student and parent borrowers from federal financial aid programs. It reviews the factors an aid administrator must consider when reviewing a student's application for a loan and outlines the administrator's responsibilities in checking to make sure that recipients qualify for their aid awards.…

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

... statutory and regulatory provisions designed to assist ``affected individuals.'' Under 20 U.S.C. 1098ee(2... the time-limited military service deferment under section 455(f)(4) of the HEA to which they applied... military operation or national emergency means service as a member of the National Guard on full-time...

Direct Student Loans: Overpayments during the Department of Education's Conversion to a New Payment System.

ERIC Educational Resources Information Center

Joyner, Carlotta C.

This report addresses concerns that the Department of Education may have erroneously made overpayments of as much as $400 million to schools participating in the William D. Ford Federal Direct Loan Program (FDLP) during the Department's conversion to a new computerized payment system. The investigation found that because the transition to the new…

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

ERIC Educational Resources Information Center

Mezza, Alvaro; Sommer, Kamila

2016-01-01

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

The Robert Wood Johnson Foundation Annual Report 1978, January 1, 1978 through December 31, 1978.

ERIC Educational Resources Information Center

Robert Wood Johnson Foundation, New Brunswick, NJ.

The nationwide program of financial aid for students enrolled in medicine and osteopathy, sponsored by the Robert Wood Johnson Foundation, is evaluated. The foundation made scholarship and loan funds available to students with minority backgrounds, to women students, and to students from rural areas. The evaluation study sought to determine…

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

Code of Federal Regulations, 2013 CFR

2013-10-01

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

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

Code of Federal Regulations, 2014 CFR

2014-10-01

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

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

Code of Federal Regulations, 2012 CFR

2012-10-01

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

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

Code of Federal Regulations, 2010 CFR

2010-10-01

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

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

Code of Federal Regulations, 2011 CFR

2011-10-01

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

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…

Annual NASSGP/NCHELP Conference on Student Financial Aid Research (3rd, Chicago, Illinois, May 28-30, 1986). The Proceedings, Volume 1.

ERIC Educational Resources Information Center

Illinois State Scholarship Commission, Deerfield.

The National Association of State Scholarship and Grant Programs/National Council of Higher Education Loan Programs conference on student aid is reported. Following the conference agenda and lists of registrants and conference speakers, the following papers are presented: (1) "Reinterpretation of Hansen's Census Data" (John B. Lee); (2)…

System for Delivering Student Aid Is Flawed, Many Agree, But What's the Solution?

ERIC Educational Resources Information Center

Burd, Stephen

1997-01-01

Public officials and student aid experts agree that the federal program delivery system is outdated, inefficient, and vulnerable to fraud, but they disagree on how bad the situation is and whether the Education Department has the structure necessary to fix it. A 1995 project to integrate all federal grant and loan programs into one system has not…

Complexity and Targeting in Federal Student Aid: A Quantitative Analysis. NBER Working Paper No. 13801

ERIC Educational Resources Information Center

Dynarski, Susan; Scott-Clayton, Judith E.

2008-01-01

A growing body of empirical evidence shows that some financial aid programs increase college enrollment. Puzzlingly, there is little compelling evidence that Pell Grants and Stafford Loans, the primary federal student aid programs, are effective in achieving this goal. In this paper, we provide an in-depth review of this evidence, which taken as a…

Cumulative Student Loan Debt in Minnesota, 2015

ERIC Educational Resources Information Center

Williams-Wyche, Shaun

2016-01-01

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

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

ERIC Educational Resources Information Center

Weinberg, Steven

2006-01-01

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

78 FR 70602 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-26

... receivables, student loans, auto loans, etc.).\\7\\ Also, in FINRA Rule 6710, FINRA proposes to add three new... financial asset, such as a consumer or student loan, a lease, or a secured or unsecured receivable, but...; automobile loans and leases; student loans; home equity loans and home equity lines of credit; aircraft...

76 FR 55057 - Privacy Act of 1974; System of Records

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-06

... Records. System location: U.S. Army Human Resources Command, Education Incentives Branch, 1600 Spearhead... Social Security Number (SSN); Military Occupational Specialty (MOS). Student Loan: Qualifying student loan name, amount of loan, date of loan transaction, student education loan number assigned by the...

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2011 CFR

2011-10-01

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

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2013 CFR

2013-10-01

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

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2012 CFR

2012-10-01

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

42 CFR 57.307 - Maximum amount of nursing student loans.

Code of Federal Regulations, 2014 CFR

2014-10-01

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

Increasing educational indebtedness influences medical students to pursue specialization: a military recruitment potential?

PubMed

Bale, Asha G; Coutinho, Karl; Swan, Kenneth G; Heinrich, George F

2013-02-01

Cost of medical education and student indebtedness has increased dramatically. This study surveyed medical students on educational debt, educational costs, and whether indebtedness influenced career choice. Responses should impact (1) Department of Defense (DoD) recruitment of physicians and (2) future of primary care. The authors surveyed 188 incoming medical students (University of Medicine and Dentistry of New Jersey-New Jersey Medical School, Class of 2012) concerning educational indebtedness, perceptions about educational costs, and plans regarding loan repayment. Data were analyzed and expressed as mean +/- standard error. Students with loans anticipated their medical educational costs to be $155,993. 62% felt costs were "exorbitant," and 28% "appropriate." 64% planned to specialize, whereas only 9% chose primary care. 28% of students planning specialization said income potential influenced their decision. 70% of students said cost was a factor in choosing New Jersey Medical School over a more expensive school. Students anticipated taking about 10 years to repay loans. As medical educational costs and student indebtedness rise, students are choosing less costly education and career paths with higher potential future earnings. These trends will negatively impact health care availability, accessibility, and cost. DoD programs to provide financial assistance in exchange for military service are not well publicized. These findings should increase DoD recruitment opportunities.

Beyond Defaults: Indicators for Assessing Proprietary School Quality.

ERIC Educational Resources Information Center

Goodwin, David

Largely because of high student loan default rates, much of the criticism of federal aid programs has focused on policies and practices affecting the participation of proprietary schools in federal student aid. This report reviews alternative indicators of school performance that are currently used or could be used by the federal student aid…

Graduating into Debt: The Burdens of Borrowing for Graduate & Professional Students.

ERIC Educational Resources Information Center

Education Resources Inst., Boston, MA.

A study of the debt levels of graduate and professional students is reported in narrative, data tables, and graphs. Highlights include: total annual borrowing through federal loan programs has accelerated dramatically, with more than a million graduate and professional students now borrowing nearly $8 billion per year; graduate and professional…

Student Aid: Who Benefits Now?

ERIC Educational Resources Information Center

King, Jacqueline E.

1996-01-01

The annual survey by the College Board of student financial aid traces development of a system that has grown dramatically, is now dominated by federal student loan programs, and has undergone a long-term shift in purpose from creating access for the disadvantaged to broadening choice and convenience for the middle class. These developments have…

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

ERIC Educational Resources Information Center

Fernandez, Chris

2016-01-01

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

Federal Student Aid Handbook, 2006-2007. Volume 6: Campus-Based Programs

ERIC Educational Resources Information Center

US Department of Education, 2006

2006-01-01

The Federal Perkins Loan, Federal Supplemental Educational Opportunity Grant (FSEOG), and Federal Work-Study (FWS) programs are called "campus-based" programs because each school is responsible for administering them on its own campus. This volume gives guidance on issues specific to the administration of the campus-based programs.…

Student Loans: The Empirical Record.

ERIC Educational Resources Information Center

Finnie, Ross

2001-01-01

Presents results of an empirical investigation of Canadian student loans for four recent cohorts of graduates. Data include proportion of students graduating with loans and average amounts borrowed, loan burden measured by debt-to-earning ratios, repayment rates following graduation, and number of graduates reporting loan difficulties. Results are…

Return on investment of advanced practice medical degrees: NPs vs. PAs.

PubMed

Craig, Christopher K; Holmes, James H; Carter, Jeffery E

2017-06-01

As the United States faces a predicted physician shortage over the next 2 decades, physician assistants (PAs) and NPs are expected to fill the void. At the same time, because education is expensive, student loan and tuition increases have many potential applicants assessing differences in reimbursement and wondering about their return on investment (ROI). An analysis compared PA and NP salaries by incorporating national salary data, federal income tax, and student loans for a comparative analysis of each career pathway. Salaries were abstracted from the 2012 Bureau of Labor Statistics database. The net present value (NPV) of PA and NP salaries was calculated with a 5% discount rate. Principal and interest for student loans was calculated at a 6% interest fixed-rate loan over 30 years. NPVs were then compared with projected ROI at retirement age. Relative career values were also given to each career choice, based on a retirement age of 65 years, which translates to about 41 years of employment for both PAs and NPs. PAs' and NPs' educational loans both equalled $129,484 on total repayment. The median annual salary of a PA was $90,930 and $89,960 for an NP. PA data yielded a 5% NPV of $781,323 compared with $764,348 for NPs. Of note, the 5% NPV of a 4-year nursing degree is $728,436. PAs have a slightly higher ROI compared with NPs. These findings may change due to adjustments in nursing training models. Many PA programs allow matriculation immediately after obtaining a bachelor's degree. NP schools often require nursing experience before entering their program. Some schools are considering an accelerated NP program, allowing immediate matriculation after obtaining a bachelor's degree. Because many NP programs have become doctoral degrees, the increased duration of training, higher tuition, and fewer years worked before retirement lower the overall NP ROI. A similar reduction in ROI was considered marginal in PAs who attend residency programs-though these programs are not required for PAs to practice. Comparison of an RN with a 4-year degree to an NP shows little increase in ROI. If interest rates rise, it will become fiscally preferable to remain in a nursing position. Other intangible qualities exist and need further research (for example, weighing the financial aspects with lifestyle or professional satisfaction).

12 CFR 701.23 - Purchase, sale, and pledge of eligible obligations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... group of loans. (2) Student loan means a loan granted to finance the borrower's attendance at an... a liquidating credit union's individual members, from the liquidating credit union; (iii) Student loans, from any source, if the purchaser is granting student loans on an ongoing basis and if the...

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

ERIC Educational Resources Information Center

Easttorp, Karl

2017-01-01

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

Veterans Education Benefits | Nova Southeastern University

Science.gov Websites

SharkLink Student Portal Graduate & Professional Master's Over 60 degrees in fields like business and information sciences, and pharmacy. Professional Programs in high demand fields such as medicine Benefits Loans Payment Plans Net Price Calculator Graduate & Professional Scholarships Grants Student

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…

42 CFR 57.205 - Health professions student loan funds.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

Financial Aid Policies and Practices at Graduate and Professional Programs. Results from the 1998 Survey of Graduate Aid Policies, Practices, and Procedures (SOGAPPP).

ERIC Educational Resources Information Center

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

To obtain information about the distribution of financial aid funds to graduate and professional students, the National Association of Student Financial Aid Information developed a survey about specific programs and awards, distribution methods, loan packaging policies, the use of professional judgment, the use of technology in aid offices, and…

Annual NASSGP/NCHELP Research Conference on Student Financial Aid Research (4th, St. Louis, Missouri, June 3-5, 1987). The Proceedings, Volume 2.

ERIC Educational Resources Information Center

New York State Higher Education Services Corp., Albany.

The following papers from the National Association of State Scholarship and Grant Programs/National Council of Higher Education Loan Programs conference on student aid are provided: (1) "The Equity of Higher Education Subsidies" (John B. Lee); (2) "The Economics and Financing of Higher Education: The Tension between Quality and…

From a Knowledge Container to a Mobile Learning Platform: What RULA Learned from the Laptop Lending Program

ERIC Educational Resources Information Center

Wang, Weina; Dermody, Kelly; Burgess, Colleen; Wang, Fangmin

2014-01-01

Technology lending has proven to be one of the most popular services that the Ryerson University Library and Archives (RULA) has offered in the past few years. Given the number of commuting digital natives comprising our student body, the library wanted to know how these students were using our current laptop loan program and how this service…

12 CFR 701.23 - Purchase, sale, and pledge of eligible obligations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... purposes of this section: (1) Eligible obligation means a loan or group of loans. (2) Student loan means a... individual members, from the liquidating credit union; (iii) Student loans, from any source, if the purchaser is granting student loans on an ongoing basis and if the purchase will facilitate the purchasing...

Nursing students assess nursing education.

PubMed

Norman, Linda; Buerhaus, Peter I; Donelan, Karen; McCloskey, Barbara; Dittus, Robert

2005-01-01

This study assessed the characteristics of nursing students currently enrolled in nursing education programs, how students finance their nursing education, their plans for clinical practice and graduate education, and the rewards and difficulties of being a nursing student. Data are from a survey administered to a national sample of 496 nursing students. The students relied on financial aid and personal savings and earnings to finance their education. Parents, institutional scholarships, and government loans are also important sources, but less than 15% of the students took out bank loans. Nearly one quarter of the students, particularly younger and minority students, plan to enroll in graduate school immediately after graduation and most want to become advanced nursing practitioners. Most of the nursing students (88%) are satisfied with their nursing education and nearly all (95%) provided written answers to two open-ended questions. Comments collapsed into three major categories reflecting the rewards (helping others, status, and job security) and three categories reflecting the difficulties (problems with balancing demands, quality of nursing education, and the admissions process) of being a nursing student. Implications for public policymaking center on expanding the capacity of nursing education programs, whereas schools themselves should focus on addressing the financial needs of students, helping them strike a balance among their school, work, and personal/family responsibilities and modifying certain aspects of the curriculum.

Overcoming Obstacles to College Attendance and Degree Completion: Toward a Pro-College Savings Agenda. Asset Building Program

ERIC Educational Resources Information Center

Black, Rachel; Huelsman, Mark

2012-01-01

The rise in student loan debt has directed critical attention to the growing pace of college costs as well as the reliance on loans to finance those costs. For graduates entering the workforce in recent years, many are finding that they are unable to find the type of job they thought they were securing when they received their degree, if they are…

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

ERIC Educational Resources Information Center

Baum, Sandy

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

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

PubMed

Min, Stella; Taylor, Miles G

2018-02-01

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

Iowa Chiropractic Students Outlook for Practitioners and Need for State-Funded Assistance.

ERIC Educational Resources Information Center

Greiner, Keith

This state-mandated study examined the needs of Iowa chiropractic students and the Iowa demand for chiropractic health care in order to determine the feasibility of establishing a chiropractic forgivable loan program. The project used financial aid data and repayment rate data to evaluate the need for financial aid for chiropractic students;…

Education for All or Profit for Few? Analyzing the Behavior of College-Going Students Attending For-Profit Colleges

ERIC Educational Resources Information Center

Rodriguez, Bryan Adan

2014-01-01

Under proposed gainful employment regulations, for-profit career colleges must disclose admissions information to prospective students regarding program costs, loan default rates, and completion rates. This study investigates whether students at for-profit colleges consider gainful employment criteria when making a decision to enroll in school.…

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…

The New England Student Loan Survey II. Final Report.

ERIC Educational Resources Information Center

Pedalino, Marilyn; And Others.

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

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

Code of Federal Regulations, 2010 CFR

2010-10-01

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

78 FR 38963 - Privacy Act of 1974; System of Records

Federal Register 2010, 2011, 2012, 2013, 2014

2013-06-28

..., loan servicers, educational institutions and financial institutions, to the Department of Justice and... the educational program in which the student is enrolled. We are also expanding the system's... to better evaluate the effectiveness of institutions and their title IV-eligible educational programs...

Federal Cuts to Cripple Many New Jersey School Programs.

ERIC Educational Resources Information Center

NJEA Review, 1981

1981-01-01

Looks at how the Reagan administration's proposed federal budget cuts may impact on the amount of money New Jersey will receive under various federal programs, including block grants, the Elementary Secondary Education Act titles, the Child Nutrition Act, and guaranteed student loans. (SJL)

77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-07

... DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan... Service Agency (FSA) now has funding for and is accepting guaranteed loan applications for the Conservation Loan (CL) Program. Due to a lack of program funding for direct CLs, direct loan applications are...

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.

76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-13

... of water conservation measures; establishment or improvement of permanent pastures; implementation of... for the Conservation Loan Program; Farm Loan Programs AGENCY: Farm Service Agency, USDA. ACTION... or guaranteed loan applications for the Conservation Loan (CL) Program because of lack of program...

34 CFR 685.305 - Determining the date of a student's withdrawal.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Determining the date of a student's withdrawal. 685.305 Section 685.305 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Requirements...

77 FR 27746 - Notice of Submission for OMB Review; Federal Student Aid; Lender Application Process (LAP)

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-11

... payment, under the Federal Family Education Loan Program. DATES: Interested persons are invited to submit... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Lender... Education, 400 Maryland Avenue SW., LBJ, Washington, DC 20202-4537. Copies of the proposed information...

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…

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…

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

ERIC Educational Resources Information Center

King, Tracey; Frishberg, Ivan

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

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2013 CFR

2013-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2012 CFR

2012-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2014 CFR

2014-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2011 CFR

2011-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

13 CFR 123.400 - What is the Pre-Disaster Mitigation Loan Program?

Code of Federal Regulations, 2010 CFR

2010-01-01

... Mitigation Loan Program? 123.400 Section 123.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Pre-Disaster Mitigation Loans § 123.400 What is the Pre-Disaster Mitigation Loan Program? The Pre-Disaster Mitigation Loan Program allows SBA to make low interest, fixed rate loans to...

Rising levels of New Zealand medical student debt.

PubMed

Verstappen, Antonia; Poole, Phillippa

2017-06-16

There is little recent data on the debt levels accrued by New Zealand medical graduates. We aimed to quantify the level of student loan debt accrued by medical graduates upon completion of their medical degree, and to investigate the association of New Zealand Government Student Loan (GSL) debt with gender and age. At graduation each year from 2006-2015, students from one New Zealand medical programme were invited to complete a career intention survey that included information on levels of GSL debt and the number of income sources used. The overall response rate was 83.8%. On average, 92% of domestic students reported having some student loan debt, with 28% a debt of $90,000 or more. The proportion of students reporting a student loan debt of $90,000 or more increased over the period of the study (P<0.0001). While older students were more likely to have a larger student loan debt than younger students, there was no difference in debt levels by gender. Students with larger student loans were more likely to rely on a larger number of financial sources to fund their studies. New Zealand medical students are carrying higher levels of student loan debt year on year. The effect of this on the future medical workforce is not certain; however, this could be negative if graduates choose to enter careers that are more highly paid over areas of high need. The full impact of large loans on individuals and the health system will take years to determine.

42 CFR 57.301 - Applicability.

Code of Federal Regulations, 2013 CFR

2013-10-01

... FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.301... to public or other nonprofit schools of nursing for the establishment of nursing student loan funds...

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…

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

ERIC Educational Resources Information Center

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

2015-01-01

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

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…

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

Multiple Teacher Training Programs: Information on Budgets, Services, and Target Groups. Fact Sheet for the Chairman, Budget Committee, House of Representatives.

ERIC Educational Resources Information Center

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

This study examined the total number of federally funded teacher training programs (excluding student loans and grants that could be used for teacher training), the budget obligations for teacher training programs, the number of teachers trained by these programs, and differences in services across the programs. The study found that in fiscal year…

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…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-29

... estimates were based on behavior as reflected in various Department data sets and longitudinal surveys...) of the HEA. The Department committed, however, to authorize, to the extent possible, early... to designate regulatory provisions for early implementation by program participants under section 482...

Taxing Matters: College Aid, Tax Policy & Equal Opportunity.

ERIC Educational Resources Information Center

Education Resources Inst., Boston, MA.

This report uses government data to review current, past, and proposed tax-based policies and programs to promote college affordability as well as need-based grant aid. Tax-incentive-based programs include savings bonds for education, employer-provided educational assistance, state college savings plans, deductibility of student loan interest,…

The International Higher Education Market: Mexico's Case

ERIC Educational Resources Information Center

Andere, Eduardo

2004-01-01

For years student scholarship programs to promote knowledge or international cooperation have functioned without question in Mexico. Economics of education literature has questioned the validity of similar programs, and the paradigm is shifting from scholarship support to loan schemes and from merit- to need-based grants. This article, based on…

34 CFR 668.58 - Interim disbursements.

Code of Federal Regulations, 2013 CFR

2013-07-01

... in accordance with § 668.59(a), the institution may not— (i) Disburse any Federal Pell Grant, FSEOG... the applicant in its FWS Program; or (iii) Originate a Direct Subsidized Loan, or disburse any such..., under the FWS Program for the first 60 consecutive days after the student's enrollment in that award...

34 CFR 668.58 - Interim disbursements.

Code of Federal Regulations, 2012 CFR

2012-07-01

... in accordance with § 668.59(a), the institution may not— (i) Disburse any Federal Pell Grant, FSEOG... the applicant in its FWS Program; or (iii) Originate a Direct Subsidized Loan, or disburse any such..., under the FWS Program for the first 60 consecutive days after the student's enrollment in that award...

34 CFR 668.58 - Interim disbursements.

Code of Federal Regulations, 2014 CFR

2014-07-01

... in accordance with § 668.59(a), the institution may not— (i) Disburse any Federal Pell Grant, FSEOG... the applicant in its FWS Program; or (iii) Originate a Direct Subsidized Loan, or disburse any such..., under the FWS Program for the first 60 consecutive days after the student's enrollment in that award...

Education Issues. GAO Transition Series.

ERIC Educational Resources Information Center

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

This summary report is one of a series addressing major policy, management, or program issues facing Congress and the administration. The issues identified in this report indicate the need to: reduce the cost and preserve the integrity of higher education student loan and grant programs; enhance the federal role in monitoring lenders, agencies,…

5 CFR 537.103 - Agency student loan repayment plans.

Code of Federal Regulations, 2010 CFR

2010-01-01

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

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

ERIC Educational Resources Information Center

Myers, Greeley; Siera, Steven

1980-01-01

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

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

ERIC Educational Resources Information Center

Shen, Hua; Shen, Hong; Ziderman, Adrian

2009-01-01

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

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…

Reducing the Deficit: Spending and Revenue Options

DTIC Science & Technology

2011-03-01

the Conservation Reserve Program 25AgricultureOption 6 Reduce the Premium Subsidy in the Crop Insurance Program 26Option 7 Reduce by 20 Percentage...Graduate Students 31Option 11 Change the Interest Rate Structure for Student Loans 32HealthOption 12 Add a “Public Plan” to the Health Insurance Exchanges...Health Episodes Covered by Medicare 48Option 21 Reduce Medicare Costs by Changing the Cost-Sharing Structures for Medicare and Medigap Insurance 49Option

Discriminant Analysis of Student Loan Applications

ERIC Educational Resources Information Center

Dyl, Edward A.; McGann, Anthony F.

1977-01-01

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

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

ERIC Educational Resources Information Center

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

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

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

ERIC Educational Resources Information Center

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

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

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

ERIC Educational Resources Information Center

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

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

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…

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

ERIC Educational Resources Information Center

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

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

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…

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…

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false America's Recovery Capital (ARC... BUSINESS LOANS Special Purpose Loans America's Recovery Capital (business Stabilization) Loan Program-Arc Loan Program § 120.398 America's Recovery Capital (ARC) Loan Program. (a) Purpose. The purpose of the...

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false America's Recovery Capital (ARC... BUSINESS LOANS Special Purpose Loans America's Recovery Capital (business Stabilization) Loan Program-Arc Loan Program § 120.398 America's Recovery Capital (ARC) Loan Program. (a) Purpose. The purpose of the...

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false America's Recovery Capital (ARC... BUSINESS LOANS Special Purpose Loans America's Recovery Capital (business Stabilization) Loan Program-Arc Loan Program § 120.398 America's Recovery Capital (ARC) Loan Program. (a) Purpose. The purpose of the...

13 CFR 120.398 - America's Recovery Capital (ARC) Loan Program.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false America's Recovery Capital (ARC... BUSINESS LOANS Special Purpose Loans America's Recovery Capital (business Stabilization) Loan Program-Arc Loan Program § 120.398 America's Recovery Capital (ARC) Loan Program. (a) Purpose. The purpose of the...

For-Profit Schools: Large Schools and Schools that Specialize in Healthcare Are More Likely to Rely Heavily on Federal Student Aid. Report to Congressional Committees. GAO-11-4

ERIC Educational Resources Information Center

Scott, George A.

2010-01-01

In the 2008-2009 school year, about 2,000 for-profit schools received almost $24 billion in grants and loans provided to students under federal student aid programs. In the early 1990s, Congress was concerned that some for-profit schools receiving federal student aid were recruiting students who were not ready for higher education. Many of these…

77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-11-01

...The Secretary amends the Federal Perkins Loan (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct Loan (Direct Loan) program regulations. These final regulations implement a new Income-Contingent Repayment (ICR) plan in the Direct Loan program based on the President's ``Pay As You Earn'' repayment initiative, incorporate recent statutory changes to the Income-Based Repayment (IBR) plan in the Direct Loan and FFEL programs, and streamline and add clarity to the total and permanent disability (TPD) discharge process for borrowers in loan programs under title IV of the Higher Education Act of 1965, as amended (HEA). These final regulations implementing a new ICR plan and the statutory changes to the IBR plan will assist borrowers in repaying their loans while the changes to the TPD discharge process will reduce burden for borrowers who are disabled and seeking a discharge of their title IV debt.

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

ERIC Educational Resources Information Center

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

2016-01-01

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

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

ERIC Educational Resources Information Center

Au, Helen O.

2012-01-01

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

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…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-29

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

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…

Federal Student Aid Handbook, 2002-2003. Volume 4: Campus-Based Common Provisions.

ERIC Educational Resources Information Center

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

The Federal Perkins Loan, Federal Supplemental Educational Opportunity Grant (FSEOG), and Federal Work-Study (FWS) programs are called "campus-based" programs because each school is responsible for administering them on its own campus. A school applies for and receives funds from the U.S. Department of Education, and the school's…

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…

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

ERIC Educational Resources Information Center

Walker, Kimberly DeVette

2012-01-01

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

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…

7 CFR 772.7 - Leasing minor program loan security.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Leasing minor program loan security. 772.7 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.7 Leasing minor program loan... property for Minor Program loans to a third party when: (1) Leasing is the only feasible way to continue to...

7 CFR 772.7 - Leasing minor program loan security.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 7 Agriculture 7 2011-01-01 2011-01-01 false Leasing minor program loan security. 772.7 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.7 Leasing minor program loan... property for Minor Program loans to a third party when: (1) Leasing is the only feasible way to continue to...

7 CFR 774.23 - Loan servicing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 774.23 Section 774.23 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.23 Loan servicing. Loans will be serviced as a Non-program loan in accordance with 7 CFR part 766. If the loan is not repaid as agreed and...

Statistical Supplement to the Long-Range Planning for Texas Higher Education Report: Fiscal Year 1988, September 1, 1987-August 31, 1988.

ERIC Educational Resources Information Center

Texas Higher Education Coordinating Board, Austin.

This databook contains information on student enrollments, faculty, semester credit hours, physical facilities, appropriations, and student loan and grant programs for Texas institutions of higher education, including public and independent two- and four-year colleges. The enrollment section provides five-year (1983-87) summaries of headcount…

College Board Delegates Argue Controversies of the Day: Productivity and Paying for College.

ERIC Educational Resources Information Center

Evangelauf, Jean

1987-01-01

The annual meeting of the College Board focused on some of the most controversial issues facing higher education including: productivity, accountability, prepaid tuition plans, Guaranteed Student Loan (GSL) program, and one alternative to the G.S.L.--students could borrow from the government and then pay a higher Social Security tax. (MLW)

Como pagar to educacion, 2004-2005 (Funding Your Education, 2004-2005).

ERIC Educational Resources Information Center

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

This publication, written in Spanish, describes financial aid programs of the U.S. Department of Education and advises students about paying for college. It outlines things a student should ask about college and how to obtain financial aid, whether grants, work-study, or loans. Chapters provide information on: (1) "Education after High School";…

42 CFR 60.5 - Who is an eligible student borrower?

Code of Federal Regulations, 2010 CFR

2010-10-01

... EDUCATION ASSISTANCE LOAN PROGRAM The Borrower § 60.5 Who is an eligible student borrower? To receive a HEAL... accepted for enrollment at a HEAL school in a course of study that leads to one of the following degrees... Medicine or equivalent degree Bachelor or Master of Science in Pharmacy or equivalent degree Graduate or...

42 CFR 60.5 - Who is an eligible student borrower?

Code of Federal Regulations, 2011 CFR

2011-10-01

... EDUCATION ASSISTANCE LOAN PROGRAM The Borrower § 60.5 Who is an eligible student borrower? To receive a HEAL... accepted for enrollment at a HEAL school in a course of study that leads to one of the following degrees... Medicine or equivalent degree Bachelor or Master of Science in Pharmacy or equivalent degree Graduate or...

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

Code of Federal Regulations, 2014 CFR

2014-07-01

..., religion, national origin, age, disability status, or income. (9) A school may not assess a fee for the... 34 Education 4 2014-07-01 2014-07-01 false Origination of a loan by a Direct Loan Program school... LOAN PROGRAM Requirements, Standards, and Payments for Direct Loan Program Schools § 685.301...

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-25

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

42 CFR 68.10 - What loans are ineligible for repayment?

Code of Federal Regulations, 2013 CFR

2013-10-01

..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) LOAN REPAYMENT PROGRAMS (LRPs) § 68.10 What loans... Health Service Corps Scholarship Program, (6) National Institutes of Health Undergraduate Scholarship... following programs, or similar programs, which provide loans, scholarships, loan repayments, or other awards...

42 CFR 68.10 - What loans are ineligible for repayment?

Code of Federal Regulations, 2014 CFR

2014-10-01

..., INTERNSHIPS, TRAINING NATIONAL INSTITUTES OF HEALTH (NIH) LOAN REPAYMENT PROGRAMS (LRPs) § 68.10 What loans... Health Service Corps Scholarship Program, (6) National Institutes of Health Undergraduate Scholarship... following programs, or similar programs, which provide loans, scholarships, loan repayments, or other awards...

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

ERIC Educational Resources Information Center

Klepfer, Kasey

2015-01-01

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

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

ERIC Educational Resources Information Center

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

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

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…

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

ERIC Educational Resources Information Center

Bradshaw, Curtis C.

1983-01-01

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

Protecting Colleges and Students: Community College Strategies to Prevent Default

ERIC Educational Resources Information Center

McKibben, Bryce; La Rocque, Matthew; Cochrane, Debbie

2014-01-01

Student loan default, defined as federal loan borrowers' failure to make any payments for at least 270 days, is an issue of increasing importance to community colleges and their students. This report takes a unique look at student loan default at nine community colleges across the nation, and how those colleges are working to help students avoid…

Orthopedic Surgery Resident Debt Load and Its Effect on Career Choice.

PubMed

Johnson, Joey P; Cassidy, Dale B; Tofte, Josef N; Bariteau, Jason T; Daniels, Alan H

2016-05-01

Student loan debt has become a topic of discussion and debate among physicians and legislators. This study seeks to assess the level of debt of orthopedic surgery residents and to determine whether debt burden affects the career choice of orthopedic trainees. A 26-question, anonymous survey was distributed via email to resident trainees enrolled in different medical and surgical specialty training programs across the United States. Orthopedic trainees were compared with trainees in other specialties using comparative statistics. Of the approximately 13,503 residents who were sent the survey, a total of 3076 responded, including 167 of an estimated 580 orthopedic residents, for approximate response rates of 22.8% and 28.8%, respectively. On average, orthopedic surgery residents were at a later post-graduate year than overall respondents (P<.025). When asked if student loan debt would influence the next step in their career, nonorthopedic residents were statistically more likely to respond "yes" compared with orthopedic surgery residents (57.21% vs 49.08%, respectively; P=.041). More than 50% of all respondents agreed that student loan debt would affect their type or location of practice. The majority of orthopedic residents take student loan debt into consideration when determining their final location and type of practice, although less so for orthopedic trainees compared with other specialties. As medical education continues to become more expensive and the threat of dropping physician reimbursement looms on the horizon, student debt may become a primary driving factor for young American physicians' career plans. [Orthopedics. 2016; 39(3):e438-e443.]. Copyright 2016, SLACK Incorporated.

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…

34 CFR 601.21 - Code of conduct.

Code of Federal Regulations, 2011 CFR

2011-07-01

... for private education loans, including funds for an opportunity pool loan, to students in exchange for..., the term opportunity pool loan means a private education loan made by a lender to a student attending... functions during emergencies, including State-declared or Federally declared natural disasters, Federally...

75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-29

... Loan Programs Loan Making Activities; Correction AGENCY: Farm Service Agency, USDA. ACTION: Proposed rule; correction. SUMMARY: This document contains a correction to the proposed rule titled ``Farm Loan Programs Loan Making Activities'' that was published September 23, 2010. The Farm Service Agency (FSA) is...

34 CFR 685.101 - Participation in the Direct Loan Program.

Code of Federal Regulations, 2010 CFR

2010-07-01

... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Purpose and Scope... school participating in the Direct Loan Program may borrow under the Federal Direct Stafford/Ford Loan and Federal Direct Unsubsidized Stafford/Ford Loan Programs. An eligible graduate or professional...

Working with the Department. A New Era.

ERIC Educational Resources Information Center

Cavazos, Lauro F.

1989-01-01

The Secretary of Education discusses the condition of postsecondary education in the United States. Focuses on student loan programs and the high default rate. Indicates that schools must work with the Department of Education to reduce the default rate. (JOW)

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

PubMed

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

2015-01-01

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

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

ERIC Educational Resources Information Center

Price, Derek V.

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

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

Code of Federal Regulations, 2013 CFR

2013-10-01

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

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

Code of Federal Regulations, 2014 CFR

2014-10-01

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

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

Code of Federal Regulations, 2012 CFR

2012-10-01

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

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

Code of Federal Regulations, 2011 CFR

2011-10-01

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

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…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-27

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

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

ERIC Educational Resources Information Center

Cobb, Ashley K.

2017-01-01

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

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

PubMed

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

2008-05-09

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

What Determines the Amount Students Borrow? Revisiting the Crisis-Convenience Debate

ERIC Educational Resources Information Center

Hart, Natala K.; Mustafa, Shoumi

2008-01-01

Recent studies have questioned the wisdom in blaming college costs for the escalation of student loans. It would appear that less affluent students borrow large amounts because inexpensive subsidized loans are available. This study attempted to verify the claim, estimating a model of the amount of loan received by students as a function of net…

13 CFR 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact?

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false How do the SBA disaster loan program and the FEMA grant programs interact? 123.108 Section 123.108 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.108 How do the SBA disaster loan...

13 CFR 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact?

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false How do the SBA disaster loan program and the FEMA grant programs interact? 123.108 Section 123.108 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.108 How do the SBA disaster loan...

13 CFR 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact?

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false How do the SBA disaster loan program and the FEMA grant programs interact? 123.108 Section 123.108 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.108 How do the SBA disaster loan...

13 CFR 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact?

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false How do the SBA disaster loan program and the FEMA grant programs interact? 123.108 Section 123.108 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION DISASTER LOAN PROGRAM Home Disaster Loans § 123.108 How do the SBA disaster loan...

Student Financial Aid Handbook, 2001-2002. Volume 4: Campus-Based Common Provisions.

ERIC Educational Resources Information Center

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

The Federal Perkins Loan, Federal Supplemental Educational Opportunity Grant (FSEOG), and Federal Work-Study (FWS) programs are called "campus-based" programs because each school is responsible for administering them on its own campus. A school applies for and receives funds direct from the U.S. Department of Education, and the school's…

Student Financial Aid Handbook, 2000-2001. Volume 4: Campus-Based Common Provisions.

ERIC Educational Resources Information Center

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

The Federal Perkins Loan, Federal Supplemental Educational Opportunity Grant (FSEOG), and Federal Work-Study (FWS) programs are called "campus-based" programs because each school is responsible for administering them on its own campus. A school applies for and receives funds direct from the U.S. Department of Education, and the school's…

34 CFR 600.56 - Additional criteria for determining whether a foreign veterinary school is eligible to apply to...

Code of Federal Regulations, 2013 CFR

2013-07-01

... private nonprofit), the school satisfies all of the following criteria: (1) The school provides, and in... instruction through a training program for foreign veterinary students that has been approved by all... veterinary school is eligible to apply to participate in the Direct Loan Program. 600.56 Section 600.56...

34 CFR 600.56 - Additional criteria for determining whether a foreign veterinary school is eligible to apply to...

Code of Federal Regulations, 2014 CFR

2014-07-01

... private nonprofit), the school satisfies all of the following criteria: (1) The school provides, and in... instruction through a training program for foreign veterinary students that has been approved by all... veterinary school is eligible to apply to participate in the Direct Loan Program. 600.56 Section 600.56...

34 CFR 600.56 - Additional criteria for determining whether a foreign veterinary school is eligible to apply to...

Code of Federal Regulations, 2012 CFR

2012-07-01

... private nonprofit), the school satisfies all of the following criteria: (1) The school provides, and in... instruction through a training program for foreign veterinary students that has been approved by all... veterinary school is eligible to apply to participate in the Direct Loan Program. 600.56 Section 600.56...

An Analysis of the Tuition Advance Fund Bill.

ERIC Educational Resources Information Center

National Association of Independent Colleges and Universities, Washington, DC. National Inst. of Independent Colleges and Universities.

The Tuition Advance Fund (TAF) bill is analyzed on theoretical economic grounds, and forecasts of the net costs of the proposed program up to 1990 are offered. The TAF bill proposes the establishment of a new system of college loans as an addition to existing programs to allow students to borrow tuition plus an allowance for other costs. Novel…

Federal Tuition Tax Credits and State Higher Education Policy: A Guide for State Policy Makers.

ERIC Educational Resources Information Center

Conklin, Kristin D.

The federal government enacted the Taxpayer Relief Act in 1997. Whereas other federal student aid programs have used grants, scholarships, and loans to help students and their families finance college, the new law has made college more affordable by providing new federal income tax credits, savings incentives, and deductions for interest paid on…

Will Ohio Always Have an Antioch,...Rio Grande,...Wilberforce,...Xavier? Private Schools and Public Policy in Higher Education in Ohio.

ERIC Educational Resources Information Center

Frueh, Lloyd, II; Treacy, John J.

This document details the effects of various state programs and proposals which seek to aid the private schools including contracting by the Ohio Board of Regents for instructional services with private institutions, grants for capital improvements and special services, direct payments to students and long-term loans to students to recover…

Economic Diversity among Selective Colleges: Measuring the Enrollment Impact of "No-Loan" Programs. Issue Brief

ERIC Educational Resources Information Center

Hillman, Nicholas

2012-01-01

Students from low-income families are underrepresented in higher education, despite the fact that many of them are well qualified to enroll. When low-income students do enroll in college, they tend to be overrepresented in public community colleges and for-profit institutions, or if they attend four-year institutions, tend to attend regional state…

24 CFR 146.7 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... OPPORTUNITY NONDISCRIMINATION ON THE BASIS OF AGE IN HUD PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL... student). Federal financial assistance means any grant, entitlement, loan, cooperative agreement, contract...) Transfers or leases of property for less than fair market value or for reduced consideration; and (2...

77 FR 9905 - Notice of Proposed Information Collection Requests

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-21

... benefits under the Department of Defense's Student Loan Repayment Program, or having a federal education... DEPARTMENT OF EDUCATION Notice of Proposed Information Collection Requests AGENCY: Department of Education. ACTION: Comment request. SUMMARY: The Department of Education (the Department), in accordance...

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…

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,…

42 CFR 57.209 - Payment of health professions student loans.

Code of Federal Regulations, 2010 CFR

2010-10-01

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

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…

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…

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.…

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…

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,…

77 FR 76414 - William D. Ford Federal Direct Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2012-12-28

... DEPARTMENT OF EDUCATION 34 CFR Part 685 RIN 1840-AC94 [Docket ID ED-2008-OPE-0009] William D. Ford... Loan (Perkins Loan) Program; the Federal Family Education Loan (FFEL) Program; and the William D. Ford.... Accordingly, 34 CFR part 685 is corrected as follows: PART 685--WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM 0...

7 CFR 2201.19 - Loan terms.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans...

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…

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

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-28

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

42 CFR 60.21 - Refunds.

Code of Federal Regulations, 2010 CFR

2010-10-01

... The Loan § 60.21 Refunds. (a) Student authorization. By applying for a HEAL loan, a student authorizes... original lender (or to a subsequent holder of the loan note, if the school has knowledge of the holder's...

24 CFR 280.50 - Loan requirements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan requirements. 280.50 Section... DEVELOPMENT GRANT PROGRAMS NEHEMIAH HOUSING OPPORTUNITY GRANTS PROGRAM Program Operation § 280.50 Loan requirements. (a) Loan requirements. A loan made to a family purchasing a home constructed or substantially...

34 CFR 682.100 - The Federal Family Education Loan programs.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false The Federal Family Education Loan programs. 682.100... POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Purpose and Scope § 682.100 The Federal Family Education Loan programs. (a) This part governs the following four programs...

Hearings on the Reauthorization of the Higher Education Act of 1965: Stafford Loans. Hearings before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, One Hundred Second Congress, First Session (Washington, DC, June 6, 12 and 19, 1991).

ERIC Educational Resources Information Center

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

This document is a record of testimony presented during a series of three hearings concerning changes that may be needed in the Stafford Loan Program, which each year generates the largest amount of financial assistance for college bound students. Testimony was heard from witnesses representing all sectors of postsecondary education, as were…

Direct Lending: How To Improve Implementation.

ERIC Educational Resources Information Center

Jepsen, Keith

This evaluation study developed 29 recommendations concerning the implementation of direct loans in providing financial assistance to postsecondary school students. The investigation included examination of a current Department of Education (ED) pilot program, a video teleconference to discuss direct lending with 23 individuals in education…

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)…

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…

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

ERIC Educational Resources Information Center

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

2010-01-01

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

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…

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

ERIC Educational Resources Information Center

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

2017-01-01

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

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…

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

PubMed

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

2016-08-01

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

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…

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

13 CFR 400.204 - Loan terms.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

7 CFR 773.6 - Eligibility requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.6 Eligibility requirements. Loan applicants must meet all of the following requirements to be eligible for a Special Apple Program Loan: (a) The loan applicant must be an apple producer; (b) The loan applicant must be a citizen of the United States or an...

7 CFR 773.6 - Eligibility requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.6 Eligibility requirements. Loan applicants must meet all of the following requirements to be eligible for a Special Apple Program Loan: (a) The loan applicant must be an apple producer; (b) The loan applicant must be a citizen of the United States or an...

7 CFR 773.6 - Eligibility requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.6 Eligibility requirements. Loan applicants must meet all of the following requirements to be eligible for a Special Apple Program Loan: (a) The loan applicant must be an apple producer; (b) The loan applicant must be a citizen of the United States or an...

7 CFR 773.6 - Eligibility requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.6 Eligibility requirements. Loan applicants must meet all of the following requirements to be eligible for a Special Apple Program Loan: (a) The loan applicant must be an apple producer; (b) The loan applicant must be a citizen of the United States or an...

78 FR 9936 - Federal Housing Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-12

... Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program: Extension of Pilot Program AGENCY...: On March 31, 2011, HUD published a notice that announced HUD's FHA Home Energy Retrofit Loan Pilot Program (Retrofit Pilot Program) known as FHA PowerSaver, which is a pilot program conducted for loans...

State Clean Energy Policies Analysis. State, Utility, and Municipal Loan Programs

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

Lantz, Eric

2010-05-01

This report relies on six in-depth interviews with loan program administrators to provide descriptions of existing programs. Findings from the interviews are combined with a review of relevant literature to elicit best practices and lessons learned from existing loan programs. Data collected from each of the loan programs profiled are used to quantify the impacts of these specific loan programs on the commonly cited, overarching state clean energy goals of energy security, economic development, and environmental protection.

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

ERIC Educational Resources Information Center

Wachiye, Herman J.; Nasongo, Joseph W.

2009-01-01

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

How Fair Is College Financing that Speaks Spanish First?

ERIC Educational Resources Information Center

Allen, Kerri

2007-01-01

2Futuro is a new "Spanish-first" college-financing program rolled out by Sallie Mae and USA Funds. The pilot version of 2Futuro launched last summer and is, say its partnering agents, "the only fully bilingual college-financing and outreach program that enables Hispanic parents and students to apply for college loans in Spanish. By the end of the…

75 FR 20239 - Veterinary Medicine Loan Repayment Program (VMLRP)

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-19

... Medicine Loan Repayment Program (VMLRP) AGENCY: National Institute of Food and Agriculture, USDA. ACTION... shortage situations, specifically for the Veterinary Medicine Loan Repayment Program (VMLRP) authorized by... a new Veterinary Medicine Loan Repayment Program (7 U.S.C. 3151a) authorizing the Secretary of...

78 FR 63158 - Information Collection; Guaranteed Farm Loan Program

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-23

... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Guaranteed Farm Loan Program... collection associated with the Guaranteed Farm Loan Program. The amended estimate adds the merger of the information collection for the Land Contract Guarantee Program (0560-0279) into the Guaranteed Farm Loan...

7 CFR 765.404 - Transfer of security to and assumption of debt by ineligible applicants.

Code of Federal Regulations, 2010 CFR

2010-01-01

... lesser of the market value or unpaid debt. (e) Interest rate. The interest rate will be the Non-program interest rate in effect at the time of loan approval. (f) Loan terms. (1) For a Non-program loan secured by... loan rates and terms. (2) The Agency will reclassify the assumed loan as a Non-program loan. (b...

76 FR 52962 - Notice of Submission of Proposed Information Collection to OMB; Emergency Homeowners' Loan...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-08-24

... Homeowners Loan Program. The program will offer a declining balance, deferred payment ``bridge loan'' (non.... The program will offer a declining balance, deferred payment ``bridge loan'' (non-recourse...

Statistical Supplement to the Annual Status Report on Texas Community Junior Colleges and Technical Institutes, 1989. Fiscal Year 1989, September 1, 1988-August 31, 1989.

ERIC Educational Resources Information Center

Texas Higher Education Coordinating Board, Austin.

This statistical supplement contains information on student enrollments, faculty, semester credit hours, physical facilities, appropriations, and student loan and grant programs for Texas community junior colleges and technical institutes. The enrollment section provides a 5-year summary of headcount enrollments for 1984 to 1988 for all segments…

34 CFR 682.607 - Payment of a refund or a return of title IV, HEA program funds to a lender upon a student's...

Code of Federal Regulations, 2013 CFR

2013-07-01

... transferred and the school knows the new holder's identity; and (2) Must provide simultaneous written notice... student's withdrawal for an academic period that is allocable to a FFEL loan received by the borrower for that academic period, the school must follow the procedures established in part 668 for allocating a...

34 CFR 682.607 - Payment of a refund or a return of title IV, HEA program funds to a lender upon a student's...

Code of Federal Regulations, 2011 CFR

2011-07-01

... transferred and the school knows the new holder's identity; and (2) Must provide simultaneous written notice... student's withdrawal for an academic period that is allocable to a FFEL loan received by the borrower for that academic period, the school must follow the procedures established in part 668 for allocating a...

34 CFR 682.607 - Payment of a refund or a return of title IV, HEA program funds to a lender upon a student's...

Code of Federal Regulations, 2012 CFR

2012-07-01

... transferred and the school knows the new holder's identity; and (2) Must provide simultaneous written notice... student's withdrawal for an academic period that is allocable to a FFEL loan received by the borrower for that academic period, the school must follow the procedures established in part 668 for allocating a...

Effects of Humanitarian Aid: A Cuban Case Study

DTIC Science & Technology

2002-09-01

are then supported by statements from American students . Dagoberto Rodriguez , the Director of North American Affairs in the Cuban Foreign Ministry... students through their time in the United States and interaction with Americans. • Basic infrastructure : Small medical clinics with refrigeration units...required allies. These allies were needed to donate, subsidize, trade, or loan material resources and assist with training programs to make Cuba more self

76 FR 5187 - Notice of Proposed Information Collection: Comment Request; Emergency Homeowners' Loan Program...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-28

... Information Collection: Comment Request; Emergency Homeowners' Loan Program Data Elements AGENCY: Office of... following information: Title of Proposal: Emergency Homeowners' Loan Program Data Elements. Description of... of Affected Public: Emergency Homeowners' Loan Program Data Elements. Estimation of the total numbers...

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

ERIC Educational Resources Information Center

Daniels, Terrence D.

2017-01-01

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

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

ERIC Educational Resources Information Center

Gandhi, Sima J.

2008-01-01

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

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…

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…

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

Code of Federal Regulations, 2011 CFR

2011-07-01

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

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

Code of Federal Regulations, 2010 CFR

2010-07-01

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

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…

7 CFR 2201.14 - Eligible Loan purposes.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Eligible Loan purposes. 2201.14 Section 2201.14 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.14 Eligible Loan...

77 FR 3782 - Agency Information Collection Activities: Proposed Collection: Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-25

... of automated collection techniques or other forms of information technology. Proposed Project: The...)-- [Extension] The HPSL Program provides long-term, low-interest loans to students attending schools of medicine, osteopathic medicine, dentistry, veterinary medicine, optometry, podiatric medicine, and pharmacy. The NSL...

12 CFR 195.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2014 CFR

2014-01-01

... association or obtained from community organizations, state, local, and tribal governments, economic... constraints, including the size and financial condition of the savings association, the economic climate... state or local education loan program), originated by the savings association for a student at an...

12 CFR 195.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2012 CFR

2012-01-01

... association or obtained from community organizations, state, local, and tribal governments, economic... constraints, including the size and financial condition of the savings association, the economic climate... state or local education loan program), originated by the savings association for a student at an...

12 CFR 195.21 - Performance tests, standards, and ratings, in general.

Code of Federal Regulations, 2013 CFR

2013-01-01

... association or obtained from community organizations, state, local, and tribal governments, economic... constraints, including the size and financial condition of the savings association, the economic climate... state or local education loan program), originated by the savings association for a student at an...

Assessment of Alternative Financial Theories.

ERIC Educational Resources Information Center

Jenkins, Sarah

This publication presents an assessment of various methods applicable for measurement of lender profitability with particular emphasis on net present value (NPV) in order to determine whether the Department of Education's current method for determining lender profitability within the Stafford Student Loan program is the best. The introduction…

34 CFR 682.503 - The guarantee agreement.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false The guarantee agreement. 682.503 Section 682.503 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL FAMILY EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student...

34 CFR 673.3 - Application.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., DEPARTMENT OF EDUCATION GENERAL PROVISIONS FOR THE FEDERAL PERKINS LOAN PROGRAM, FEDERAL WORK-STUDY PROGRAM... Perkins Loan, FWS, and FSEOG Programs § 673.3 Application. (a) To participate in the Federal Perkins Loan... the Federal Perkins Loan, FWS, and FSEOG programs must be on a form approved by the Secretary and must...

34 CFR 673.3 - Application.

Code of Federal Regulations, 2011 CFR

2011-07-01

..., DEPARTMENT OF EDUCATION GENERAL PROVISIONS FOR THE FEDERAL PERKINS LOAN PROGRAM, FEDERAL WORK-STUDY PROGRAM... Perkins Loan, FWS, and FSEOG Programs § 673.3 Application. (a) To participate in the Federal Perkins Loan... the Federal Perkins Loan, FWS, and FSEOG programs must be on a form approved by the Secretary and must...

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

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-21

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

7 CFR 2201.10 - Loan amount and Guarantee percentage.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan amount and Guarantee percentage. 2201.10 Section 2201.10 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.10 Loan...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2013 CFR

2013-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2010 CFR

2010-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2011 CFR

2011-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2012 CFR

2012-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...

13 CFR 400.202 - Loan amount.

Code of Federal Regulations, 2014 CFR

2014-01-01

....202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed under this Program to a single Qualified Steel Company may not exceed $ 250 million. (b) Of the...