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Articles 1 - 20 of 20
Full-Text Articles in Education
Guest Editors’ Conclusions: Financial Aid Practitioner-Researcher Partnerships: Lessons From The Field, Rajeev Darolia, Justin Chase Brown
Guest Editors’ Conclusions: Financial Aid Practitioner-Researcher Partnerships: Lessons From The Field, Rajeev Darolia, Justin Chase Brown
Journal of Student Financial Aid
N/A
Financial Aid Research: The Nexus Of Academic, Practitioner, And Policy Work, Donald E. Heller
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.
The Importance Of Partnerships In State Financial Aid Research, Sarah Pingel, Dustin Weeden
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.
Guest Editors’ Introduction: Strengthening Financial Aid Researcher-Practitioner Partnerships, Justin Chase Brown, Rajeev Darolia
Guest Editors’ Introduction: Strengthening Financial Aid Researcher-Practitioner Partnerships, Justin Chase Brown, Rajeev Darolia
Journal of Student Financial Aid
N/A
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
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 …
Ask And You Might Not Receive: How Ferpa’S Disclosure Provisions Can Affect Educational Research, Lindsey Tonsager, Caleb W. Skeath
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 overview of FERPA’s …
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
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 in credit …
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
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
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 …
Roadmap Connecting Researchers And Practitioners To Relevance For Postsecondary Policy Interests, Zakiya W. Smith
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.
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
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 …
Certification Of Financial Aid Administrators: Is It Time To Move Forward?, Stacey A. Peterson
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 survey respondents, …
The Impact Of Employer-Sponsored Educational Assistance Benefits On Community College Student Outcomes, Henry Tran, Douglas Smith
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 …
Leveraging Guided Pathways To Improve Financial Aid Design And Delivery, Maria Luna-Torres, Melet Leafgreen, Lyle Mckinney
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 …
College Student Debt And Anticipated Repayment Difficulty, Jonathan J. Fox, Suzanne Bartholomae, Jodi C. Letkiewicz, Catherine P. Montalto
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 …
Arizona Uncertainty: Arbitrary Barriers In Accessing Institutional Need-Based Financial Aid, Dee Hill-Zuganelli, Nolan L. Cabrera, Jeffrey F. Milem
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, and Native American students would …
Student Loans, Financial Stress, And College Student Retention, Sonya L. Britt, David Allen Ammerman, Sarah F. Barrett, Scott Jones
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 next …
Editor's Column, Jacob P. Gross
The Distributional And Cost Implications Of Negative Expected Family Contributions, Robert Kelchen
The Distributional And Cost Implications Of Negative Expected Family Contributions, Robert Kelchen
Journal of Student Financial Aid
Eligibility for many federal, state, and institutional financial aid programs is determined by the expected family contribution (EFC) from the Free Application for Federal Student Aid (FAFSA), which functions as a tool to ration scarce aid dollars. The lowest possible EFC under current rules is zero, but this obscures a wider distribution of family resources that would be partially uncovered if the EFC formula were not truncated at zero and negative values were allowed. In this paper, I estimate negative EFCs using student-level data from nine colleges and universities between the 2007-08 and 2011-12 academic year. I find a large …
Debt Profiles Of Model Students: The Projected Debt Of Highly Productive Students And Its Economic Impact, Mark E. Fincher
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 …