Open Access. Powered by Scholars. Published by Universities.®

Education Commons

Open Access. Powered by Scholars. Published by Universities.®

Articles 1 - 30 of 83

Full-Text Articles in Education

Tuition Discounting At Small, Private, Baccalaureate Institutions: Reaching A Point Of No Return?, Luke Behaunek, Ann M. Gansemer-Topf Jul 2019

Tuition Discounting At Small, Private, Baccalaureate Institutions: Reaching A Point Of No Return?, Luke Behaunek, Ann M. Gansemer-Topf

Journal of Student Financial Aid

This paper describes relationships between tuition discounting (TD), net tuition revenue, and other institutional characteristics at four-year, liberal arts institutions. TD, a practice whereby institutional grants are used to subsidize a student’s educational expense, has become a common practice at four-year institutions. TDs impact on enrollments, financial aid, and budgets continues to increase, raising concerns about the long-term sustainability of the practice. Drawing upon Breneman’s (1994) economic theory of four-year private institutions, this research examined trends in student characteristics, enrollment, institutional grants, and net tuition revenue (NTR) and the relationship between TD practices NTR. Analyzing panel data of ...


Take It, Or Leave It? Analyzing How Unsubsidized Federal Loans Affect Six-Year Degree Attainment Across Income Groups, Ray Franke Jul 2019

Take It, Or Leave It? Analyzing How Unsubsidized Federal Loans Affect Six-Year Degree Attainment Across Income Groups, Ray Franke

Journal of Student Financial Aid

This study examined the effects of unsubsidized federal Stafford loans on six-year degree attainment at 4-year colleges and universities in the U.S., and how these differentially impact students across income groups. For this, nationally representative data from the Beginning Postsecondary Students (BPS:04/09) and the Integrated Postsecondary Education Data System (IPEDS) was merged to analyze N=6,561 students attending n=651 four-year institutions. To account for possible selection bias in loan borrowing and the nested data structure, this study employs a propensity score matching, multilevel modeling approach. In addition to financial aid measures, the analytic model draws ...


A Case Study Of Undergraduate Debt, Repayment Plans, And Postbaccalaureate Decision-Making Among Black Students At Hbcus, Dominique J. Baker Jun 2019

A Case Study Of Undergraduate Debt, Repayment Plans, And Postbaccalaureate Decision-Making Among Black Students At Hbcus, Dominique J. Baker

Journal of Student Financial Aid

High payments and default on undergraduate debt have consequences; they are of national concern if aversion to debt deters students from making optimal postbaccalaureate decisions on postbaccalaureate educational aspirations, enrollment, and early-career occupation. I conducted two semi-structured interviews, near graduation and six months later, with six recent graduates of an HBCU who borrowed at some point in their undergraduate career and were required to complete federal exit counseling. I found that the relationship between undergraduate debt and postbaccalaureate decision-making is partially explained by the themes of timing and structure of information, family as a source of knowledge, comfort with the ...


Investing In Education: Impact Of Student Financial Stress On Self-Reported Health, Stephen Poplaski, Randy Kemnitz, Cliff A. Robb Jun 2019

Investing In Education: Impact Of Student Financial Stress On Self-Reported Health, Stephen Poplaski, Randy Kemnitz, Cliff A. Robb

Journal of Student Financial Aid

Through the lens of Human Capital theory, the role of financial aid (both amount and type) is explored in the context of student financial stress, and ultimately general student health. Data are taken from a sample of 232 students from a major Midwestern university who were surveyed about their financial attitudes, behavior and knowledge. The presence and amount of federal loans was associated with self-reported financial stress, and the validated stress measure was further associated with students’ self-reported health. A number of personal life events (i.e. job loss) were also associated with higher stress levels. Implications are discussed.


Changes In Hbcu Financial Aid And Student Enrollment After The Tightening Of Plus Credit Standards, Matthew T. Johnson, Julie Bruch, Brian Gill Jun 2019

Changes In Hbcu Financial Aid And Student Enrollment After The Tightening Of Plus Credit Standards, Matthew T. Johnson, Julie Bruch, Brian Gill

Journal of Student Financial Aid

We analyze changes in financial aid and student enrollment at historically Black colleges and universities (HBCUs) that occurred after the U.S. Department of Education increased the credit history requirements necessary to obtain Parent Loans for Undergraduate Students (PLUS). We use institution-level data to examine financial aid and enrollment changes in the first two academic years affected by the new credit standards (2012-13 and 2013-14). The results show that PLUS loans declined substantially at HBCUs in 2012-13, and the decreases were not fully replaced by other types of federal financial aid. HBCUs also experienced larger declines in enrollment than other ...


Reassessing The Role Of Federal Aid Policy In Financing 21st Century Higher Education For Underserved Groups: Recent Trends, Contemporary Problems, And New Proposals, Gabriel R. Serna Jun 2019

Reassessing The Role Of Federal Aid Policy In Financing 21st Century Higher Education For Underserved Groups: Recent Trends, Contemporary Problems, And New Proposals, Gabriel R. Serna

Journal of Student Financial Aid

This review explores the expanding role of federal aid policy considered from a contemporary and social justice perspective. It highlights recent trends in aid policy as well as difficulties that arise from the current system. Next, the review takes up an analysis of current aid policy that carefully considers equity and efficiency as primary criteria for funding public higher education. Through a meticulous review of the most up-to-date literature and data it then moves on to new proposals to increase equity, efficiency, and effectiveness with an eye toward increasing access and attainment. Indeed, a general takeaway from this review is ...


Factors Influencing The Retention Of Women Faculty In Stem Disciplines., Carrie J. Christensen May 2018

Factors Influencing The Retention Of Women Faculty In Stem Disciplines., Carrie J. Christensen

Electronic Theses and Dissertations

Low numbers of women faculty in STEM (science, technology, engineering and mathematics) disciplines continues to be a concern in higher education. Even though completion of STEM degrees by women has increased in many disciplines, increases in the number of women faculty have not been seen. Additionally, women continue to leave faculty positions at twice the rate of men. In order to remain globally competitive, the US needs to retain a diverse STEM professoriate. This dissertation examined the factors influencing the retention of women faculty in STEM disciplines and their over-representation in non-research intensive institutions. The analysis was broken into two ...


Editor's Column, Jacob P. Gross Apr 2018

Editor's Column, Jacob P. Gross

Journal of Student Financial Aid

N/A


Understanding Loan Use And Debt Burden Among Low-Income And Minority Students At A Large Urban Community College, Maria Luna-Torres, Lyle Mckinney, Catherine Horn, Sara Jones Apr 2018

Understanding Loan Use And Debt Burden Among Low-Income And Minority Students At A Large Urban Community College, Maria Luna-Torres, Lyle Mckinney, Catherine Horn, Sara Jones

Journal of Student Financial Aid

This study examined a sample of community college students from a diverse, large urban community college system in Texas. To gain a deeper understanding about the effects of background characteristics on student borrowing behaviors and enrollment outcomes, the study employed descriptive statistics and regression techniques to examine two separate samples of students consisting of 1) loan recipients and 2) non-loan recipients. Chen’s heterogeneous research model served as the conceptual framework in the selection of predictors of interest and outcome variables. This study primarily focused on the relationship between borrowing and enrollment outcomes of low-income and racially/ethnically diverse students ...


Students’ Perspectives On A Gap-Funded Program: The Community Scholarship Program Of Mccracken County, Kentucky, Karen R. Hlinka, Kevin L. Gericke, S. Renea Akin, Lisa G. Stephenson Apr 2018

Students’ Perspectives On A Gap-Funded Program: The Community Scholarship Program Of Mccracken County, Kentucky, Karen R. Hlinka, Kevin L. Gericke, S. Renea Akin, Lisa G. Stephenson

Journal of Student Financial Aid

In 2010, McCracken County, Kentucky implemented the Community Scholarship Program (CSP) to provide graduates of high schools in the county an opportunity to receive a tuition-free community college education. Quantitative data was collected throughout the various stages of student progress through the program. As the first cohort of CSP students approached graduation from West Kentucky Community and Technical College (WKCTC) in Spring 2016, we initiated a qualitative study. We interviewed 19 of the 88 continuously enrolled students from the first CSP cohort in a series of three focus groups in February and March of 2016. Those group interviews focused on ...


Institutional Variation In Enrollment Of Low-Income Students, James Monks Apr 2018

Institutional Variation In Enrollment Of Low-Income Students, James Monks

Journal of Student Financial Aid

Socioeconomic diversity in tertiary education has come under heightened scrutiny in the past few years. This paper estimates the relationship between prices (both sticker price and net price), financial aid policies, and selectivity on the variation of low-income students across postsecondary institutions. All three factors are significant in identifying variation across postsecondary institutions in the representation of Pell Grant recipients as a percentage of an institution’s entering class. A focus on net price alone ignores the correlation between sticker price, selectivity, and financial aid policies on low-income students’ enrollment outcomes.


Guest Editors’ Introduction: Strengthening Financial Aid Researcher-Practitioner Partnerships, Justin Chase Brown, Rajeev Darolia Nov 2017

Guest Editors’ Introduction: Strengthening Financial Aid Researcher-Practitioner Partnerships, Justin Chase Brown, Rajeev Darolia

Journal of Student Financial Aid

N/A


Ask And You Might Not Receive: How Ferpa’S Disclosure Provisions Can Affect Educational Research, Lindsey Tonsager, Caleb W. Skeath Nov 2017

Ask And You Might Not Receive: How Ferpa’S Disclosure Provisions Can Affect Educational Research, Lindsey Tonsager, Caleb W. Skeath

Journal of Student Financial Aid

The Family Educational Rights and Privacy Act (FERPA) regulates how schools collect, use, and disclose student information, including disclosures to third-party educational researchers. This article examines how educational researchers can structure their activities to reduce the risk of violating FERPA’s disclosure restrictions. In order to do so, we present two options for researchers to consider: utilizing de-identified student information that does not fall within the scope of FERPA, or complying with FERPA by securing prior consent for student information disclosure or qualifying for an exception from FERPA’s consent requirement. The article’s discussion of these options includes an ...


Roadmap Connecting Researchers And Practitioners To Relevance For Postsecondary Policy Interests, Zakiya W. Smith Nov 2017

Roadmap Connecting Researchers And Practitioners To Relevance For Postsecondary Policy Interests, Zakiya W. Smith

Journal of Student Financial Aid

Those interested in positioning research to be used by policymakers or funded by foundations often wonder how best to do so. Foundation and policy interests can intersect, as philanthropy and policy both aim to provide solutions to big societal problems. This article explores themes from federal financial aid policy, in particular, suggesting that relevance can come from attention to the national mood, aligning solutions with identified problems, and condensing ideas for more immediate connection.


Federal Pell Grant Eligibility And Receipt: Explaining Nonreceipt And Changes To Efc Using National And Institutional Data, Brent J. Evans, Tuan D. Nguyen, Brent B. Tener, Chanell L. Thomas Nov 2017

Federal Pell Grant Eligibility And Receipt: Explaining Nonreceipt And Changes To Efc Using National And Institutional Data, Brent J. Evans, Tuan D. Nguyen, Brent B. Tener, Chanell L. Thomas

Journal of Student Financial Aid

In examining national data on Federal Pell Grant eligibility in the National Postsecondary Student Aid Study (NPSAS), we were puzzled to discover that many students who appear to have eligible Expected Family Contributions (EFCs) do not receive the award. We use institutional data from a large public university to understand and enumerate changes from initial Free Application for Student Financial Aid (FAFSA) EFC to final Pell Grant EFC and explore why EFC changes occur. We determine that the nonreceipt of Pell Grant observed in NPSAS is likely due to NPSAS not reporting final Pell Grant EFCs. We examine how the ...


Uncovering Barriers To Financial Capability: Underrepresented Students’ Access To Financial Resources, Brenda Eichelberger, Heather Mattioli, Rachel Foxhoven Nov 2017

Uncovering Barriers To Financial Capability: Underrepresented Students’ Access To Financial Resources, Brenda Eichelberger, Heather Mattioli, Rachel Foxhoven

Journal of Student Financial Aid

Financial aid is designed to increase access to postsecondary education at all socioeconomic levels; however, college students are not always knowledgeable about personal finances or capable of making sound decisions regarding complex college and program choices, debt options, and long-term spending. This article reviews previous research on the need for financial literacy training among underrepresented students and the barriers caused by inadequate access to financial services and information. Studies reviewed explore (a) the abilities of underrepresented students to make informed financial decisions; (b) the disadvantages faced by minority and first-generation students compared to their more advantaged peers; and (c) the ...


The Importance Of Partnerships In State Financial Aid Research, Sarah Pingel, Dustin Weeden Nov 2017

The Importance Of Partnerships In State Financial Aid Research, Sarah Pingel, Dustin Weeden

Journal of Student Financial Aid

In this essay, we explore the importance of state financial aid programs for both states and the students they serve. Effective state financial aid policy benefits from rigorous research that engages partners from a variety of roles, such as state agencies, legislative staff, and intermediary organizations. It also benefits from the engagement of financial aid professionals. This essay supports the key role played by each of these stakeholders in the execution and dissemination of research projects related to state aid programs.


Nudging Students Beyond The Fafsa: The Impact Of University Outreach On Financial Aid Behaviors And Outcomes, Benjamin L. Castleman, Katharine E. Meyer, Zachary Sullivan, William D. Hartog, Scott Miller Nov 2017

Nudging Students Beyond The Fafsa: The Impact Of University Outreach On Financial Aid Behaviors And Outcomes, Benjamin L. Castleman, Katharine E. Meyer, Zachary Sullivan, William D. Hartog, Scott Miller

Journal of Student Financial Aid

A growing body of research indicates that proactive outreach from high schools and college access organizations about college preparation tasks, and specifically focusing on completing the Free Application for Federal Student Aid (FAFSA), results in increased college enrollment. Comparatively less attention has been paid to the role of colleges and universities in this outreach and outreach relating to additional financial aid barriers that students face while applying to college, such as the CSS PROFILE form. In this article we investigated, through an inter-university collaboration, the effect of sending targeted, semi-personalized text messages to students during the college application process about ...


Non-U.S. Citizen, Community College Students: Their Federal Student Aid Status, Gender, Achievement, And Persistence At An Emerging Hsi, Jafeth E. Sanchez, Jeannette Smith Nov 2017

Non-U.S. Citizen, Community College Students: Their Federal Student Aid Status, Gender, Achievement, And Persistence At An Emerging Hsi, Jafeth E. Sanchez, Jeannette Smith

Journal of Student Financial Aid

This study presents a quantitative, exploratory analysis of 535 students attending Truckee Meadows Community College in Northern Nevada who were eligible or ineligible for federal student aid and were non-U.S. citizens. Within a snapshot of the Fall 2015 through Fall 2016 semesters, we examined the variables of gender, grade point average (GPA), credits earned, type of financial aid, amount of financial aid, persistence, and graduation status of these two groups via a collaboration between two institutions. Results revealed no statistically significant differences by gender. Non-U.S. citizens attained similar GPAs regardless of eligibility for aid, but there were differences ...


Financial Aid Research: The Nexus Of Academic, Practitioner, And Policy Work, Donald E. Heller Nov 2017

Financial Aid Research: The Nexus Of Academic, Practitioner, And Policy Work, Donald E. Heller

Journal of Student Financial Aid

Academic research often does not find its way into the policy arena because of the nature of the work. Policymakers often find journal articles and academic books too long, difficult to understand, and lacking in policy-relevant ideas and recommendations. This article provides suggestions to academic and other researchers on how to make their research policy relevant and most likely to have an impact on policy and practice.


Guest Editors’ Conclusions: Financial Aid Practitioner-Researcher Partnerships: Lessons From The Field, Rajeev Darolia, Justin Chase Brown Nov 2017

Guest Editors’ Conclusions: Financial Aid Practitioner-Researcher Partnerships: Lessons From The Field, Rajeev Darolia, Justin Chase Brown

Journal of Student Financial Aid

N/A


Certification Of Financial Aid Administrators: Is It Time To Move Forward?, Stacey A. Peterson Aug 2017

Certification Of Financial Aid Administrators: Is It Time To Move Forward?, Stacey A. Peterson

Journal of Student Financial Aid

Financial aid administrators administer various aspects of financial assistance programs; oversee, direct, coordinate, evaluate, and provide training for program activities and the personnel who manage office operations and supervise support staff; and ensure alignment of student and institutional needs while protecting the public interest. They have long recognized the value of professional standards in this complex field. This study uses Peterson’s (2011) professionalization theory, 2010 archival data, analyses of variance, and risk estimation to examine the need for, benefits of, and level of support for certification, credentialing, and establishing basic core standards for financial aid practitioners. Among 2,756 ...


Leveraging Guided Pathways To Improve Financial Aid Design And Delivery, Maria Luna-Torres, Melet Leafgreen, Lyle Mckinney Aug 2017

Leveraging Guided Pathways To Improve Financial Aid Design And Delivery, Maria Luna-Torres, Melet Leafgreen, Lyle Mckinney

Journal of Student Financial Aid

To address low completion rates, postsecondary leaders are championing a “guided pathways” approach that puts students on a prescribed route towards graduation. Designing solutions to address low completion rates is complex; in addition to academic roadblocks, insufficient financial resources coupled with a complicated financial aid system can intensify barriers to completion, especially for students whose continued enrollment is highly dependent on financial aid. Without a comprehensive approach that specifically addresses financial aid funding shortages, students will continue to struggle to complete their programs of study. Opportunities exist to redesign the financial aid system so that the current guided pathways movement ...


Arizona Uncertainty: Arbitrary Barriers In Accessing Institutional Need-Based Financial Aid, Dee Hill-Zuganelli, Nolan L. Cabrera, Jeffrey F. Milem Aug 2017

Arizona Uncertainty: Arbitrary Barriers In Accessing Institutional Need-Based Financial Aid, Dee Hill-Zuganelli, Nolan L. Cabrera, Jeffrey F. Milem

Journal of Student Financial Aid

Established in 2008, the Arizona Assurance Scholars Program (AASP) channeled institutional need-based aid to in-state, low-income students. Rapidly growing costs prompted three changes to the AASP eligibility requirements in 2011. We examined how these new requirements—a 3.0 or higher high school grade point average and the submission of the Free Application of Federal Student Aid (FAFSA) and admission paperwork by March 1—would affect the gender, racial, and socioeconomic composition of the program’s first three cohorts if they were in effect. Results revealed disproportionate impacts on racial and ethnic minorities and widened gender gaps. Male, Latina/o ...


The Impact Of Employer-Sponsored Educational Assistance Benefits On Community College Student Outcomes, Henry Tran, Douglas Smith Aug 2017

The Impact Of Employer-Sponsored Educational Assistance Benefits On Community College Student Outcomes, Henry Tran, Douglas Smith

Journal of Student Financial Aid

Studies of community college finance often focus on revenue sources from the state and local government, private foundations, and tuition. While these resources are important, an often-neglected source of revenue is employer-sponsored educational assistance benefits for students. Given the dearth of literature on the benefits of this funding source, especially for community college students, our study shines light on the topic. Specifically, this study reports on the impacts of Section 127 of the Internal Revenue Code, employer-sponsored educational assistance benefits, on degree-seeking public community college student outcomes based on a propensity score matching analytic strategy. Our results suggest that the ...


It All Adds Up: Examining And Enhancing Campus Climate For Affordability At A Four-Year University, Kevin R. Mcclure, Andrew J. Ryder, Andrew J. Mauk Aug 2017

It All Adds Up: Examining And Enhancing Campus Climate For Affordability At A Four-Year University, Kevin R. Mcclure, Andrew J. Ryder, Andrew J. Mauk

Journal of Student Financial Aid

This study examined undergraduate students’ perceptions of non-academic spending in college and how they navigated these expenses. Using a mixed-methods study at a public comprehensive university in the southeastern United States, we conceptualized these perceptions as a central component of campus climate for affordability in college. Findings demonstrated that campus policies, practices, and spaces facilitated non-academic spending and exacerbated students’ perceptions that college is unaffordable. Non-academic and social costs were more expensive than students anticipated, and many students struggled to manage their money and cover these costs. Students shared a range of strategies to navigate non-academic expenses, from opting out ...


College Student Debt And Anticipated Repayment Difficulty, Jonathan J. Fox, Suzanne Bartholomae, Jodi C. Letkiewicz, Catherine P. Montalto Aug 2017

College Student Debt And Anticipated Repayment Difficulty, Jonathan J. Fox, Suzanne Bartholomae, Jodi C. Letkiewicz, Catherine P. Montalto

Journal of Student Financial Aid

This study analyzes factors associated with anticipated difficulty with repayment of debt accumulated during college using a basic model of credit risk that includes socialization processes influencing college student financial decisions. The empirical analysis uses data from the 2010 Ohio Student Financial Wellness Study. Results provide evidence of male overconfidence in financial decision making, as males are less likely than females to predict repayment difficulties. Socialization process variables, including financial management practices, financial parenting communication, and expected economic returns from education, are strongly associated with anticipated debt repayment difficulty. Inclusion of these process variables in the model results in loss ...


Editor's Column, Jacob P. Gross Apr 2017

Editor's Column, Jacob P. Gross

Journal of Student Financial Aid

N/A


Debt Profiles Of Model Students: The Projected Debt Of Highly Productive Students And Its Economic Impact, Mark E. Fincher Apr 2017

Debt Profiles Of Model Students: The Projected Debt Of Highly Productive Students And Its Economic Impact, Mark E. Fincher

Journal of Student Financial Aid

A common misperception suggests that a high-achieving student can easily complete a degree with very limited debt, and that students with high levels of debt are thus underachievers. This assumption is supported by memories of previous decades when it was realistically possible for most students to work their way through college. This view, however, ignores the current financial realities faced by students with limited family support. The financial experience and circumstances of current, high-performing students is markedly different from similarly dedicated students in the past. Current students are now more likely to g raduate with high debt burdens that negatively ...


Student Loans, Financial Stress, And College Student Retention, Sonya L. Britt, David Allen Ammerman, Sarah F. Barrett, Scott Jones Apr 2017

Student Loans, Financial Stress, And College Student Retention, Sonya L. Britt, David Allen Ammerman, Sarah F. Barrett, Scott Jones

Journal of Student Financial Aid

This study examined a sample of 2,475 undergraduate students to determine the influence of financial stress, debt loads, and financial counseling on retention rates. Results indicate, among other findings, that financial stress contributes to an increased likelihood of discontinuing college. Self-reported student loan debt contributes to an increased likelihood of discontinuing college, although students with the highest amount of university-reported student loan debt have a decreased likelihood of discontinuing college one year later as compared to students with no student loan debt. Interestingly, in this study students who sought financial counseling were more likely to discontinue college within the ...