Education Commons^™

The Perspective Of Financial Aid Personnel On Middle-Income Student Loan Borrowing, Nicole Lacognata

Graduate Research Theses & Dissertations

The purpose of this dissertation was to understand the financial aid personnel’s perspective on the impacts of middle-income student loan borrowing. Student loan borrowing is a concern for many due to the current debt reaching extraordinary amounts. This research explored the impacts specifically on middle-income students as opposed to low- or high-income students. Middle-income, for the purposes of this research, was defined as students who are above the threshold for need-based aid, but still have a remaining need. Four themes occurred as a result of this research: 1) payment opportunities for middle-income students 2) opt in and opt out loan …

The Unspoken Audit: A Closer Look At The Impacts Of Financial Aid Verification, Heather J. Egan

Theses and Dissertations

The purpose of this quantitative study was to determine to what extent the undergraduate students from low socioeconomic and minoritized backgrounds are targeted by financial aid verification at Rowan University, as well as explore whether being selected for verification impacts students' cumulative grade point average (GPA) and first-year retention rate compared to students who are not selected. Analyses included frequencies and crosstabulations of the total undergraduate, degree/certificate-seeking student population (N = 15,976) and first-year, full-time student population enrolled for the Fall 2018 semester at Rowan University (N = 2,871). Results indicated minority students had a +12.7-percentage point gap to being …

Undergraduate Students' Perceptions Of Their Experience With Financial Aid And Loans With Potential Solutions, Sheila J. Lewis

Theses and Dissertations

Since the cost of higher education is rising every year, some students will contact their financial aid office to inquire about their options to pay for school with loans and grants. However, financial aid administrators might not provide undergraduate students with useful information that will guide them to make informed decisions on loans because the financial aid administrators might lack training to help students. The purpose of this quantitative study is to examine the undergraduate students' perceptions of their experiences with financial aid and student loans for Rowan university undergraduate students and the financial aid office using a non-experimental descriptive …

The Experiences Of Pell Grant Students Who Lose Aid: A Mixed Methods Study, Jaime Carbajal, Jr.

UNLV Theses, Dissertations, Professional Papers, and Capstones

Understanding the link between financial aid and college attainment is particularly important for the Federal Pell Grant program, the nation’s largest financial aid program. Many studies have shown that the Pell Grant program increases retention, persistence, and graduation rates for undergraduate students (Castleman & Long, 2016; Evans & Nguyen, 2019). Nonetheless, 80% of Pell recipients do not go on to complete a college degree within four years (Goldrick-Rab et al., 2016). One possible reason for this outcome is the way the Pell Grant program is constructed and implemented. While the Pell grant starts out as a need-based aid, it becomes …

Investigating The Determinants Of Student Low Enrollment In Historically Black Colleges And Universities (Hbcus): The Case Of One Hbcu In The South, Anthony Trumaine Jackson

LSU Doctoral Dissertations

There is an undeniable fact that enrollment management efforts on academic campuses have become an integral part of campus finance and the backbone of accreditation. Many Historically Black Colleges and Universities (HBCUs) are on the verge of collapsing and even losing their accreditations due to low enrollment, a decline that has been observed in recent decades.

Therefore, this study investigated why students are not enrolling in HBCUs. The study further explored the perceived factors that are likely to contribute to low student enrollment at HBCUs and the role financial matters play in student enrollment. To address this gap in the …

Exploring Latina Students' Understanding Of The Financial Aid Process: A Qualitative Narrative Inquiry, Taina Morales

Theses and Dissertations

Latina students face numerous barriers within the financial aid application process that impact the success rates of their higher education attainment. The financial aid application process is initiated through the completion of the Free Application for Federal Student Aid (FAFSA). Unfortunately, the FAFSA, as it is currently written is not beneficial to students from low socioeconomic backgrounds, students of color, and first generation college students, due to the cultural and linguistic hegemony that is present with the FAFSA application (Kimble, 2012; Taylor, 2019). Such hegemonic dominance within the financial aid application process, perpetuates the systemic racism that is present within …

The Impact Of The Arkansas Scholarship Lottery On College Choice And Completion Of Adult Students, Collin Callaway

Graduate Theses and Dissertations

In 2008, Arkansas citizens overwhelmingly supported a referendum to legalize a state-run lottery to support college scholarships. The Arkansas General Assembly passed a law in 2009 that detailed administration and procedures of the lottery, and students first received scholarships (branded as the Academic Challenge Scholarship) in fall 2010. The program was largely modeled after other state-run scholarships with two major exceptions: policy makers intentionally established lower eligibility requirements and included adult students. This study measured the impact of the state lottery funded Academic Challenge Scholarship on adult college choice and completion. Findings included significant demographic and college choice differences between …

Financial Matters And Student Success Rates: Undergraduate Transfer Students At The University Of San Diego, Timothy Duran

M.A. in Higher Education Leadership: Action Research Projects

The purpose of this action research was to examine my ability to address the challenges transfer students at the University of San Diego face in navigating the financial aid (FA) process. The participants and I shared first-person narratives about the challenges in student success across a 3-cycle action research project. This research contributes to comprehending the impacts FA have on the transfer student population and how I, along with my colleagues, may better retain students through FA negotiations and processes. Findings from this research include varied responses on how transfer students felt supported during the matriculation process as well as …

Making Cents Of It: How The Focus On Financial Aid By Selective Universities May Not Be Enough To Attract More Low-Income, High-Achieving Students, Troy A. Mothkovich

Theses and Dissertations

Most low-income, high-achieving students in the United States neither attend nor apply to selective universities despite research that shows that they are just as likely as their high-income peers to succeed if they do apply to those schools. Despite the fact that many universities have begun offering substantial financial aid packages that would often make it cheaper to attend a selective private university than a state school, low-income, high-achievers tend not to apply to selective universities. Researchers have carried out many quantitative studies testing possible variables that could influence these students’ college application decisions. However, there has been a lack …

The Road To Postsecondary Education, Oscar Bacilio Ordonez

Capstone Projects and Master's Theses

Hispanic/Latino students pursuing postsecondary education is too low. Central Coast High School is an alternative School which provides students with a second chance in the path to graduation. The program to be held in this agency is an outreach program to educate and provide information for students about the importance of going to college. Another purpose is to encourage students to apply for college and explain the different types of financial aid available for them. The expected outcome of this program is to have about 75% of the twelve-grade level students invited to be present and participate. The implementation will …

How Cultural Capital, Habitus, And Social Capital Impacts Pell-Eligible Vermont Students In Navigating The Financial Systems Of Higher Education, Xavier De Freitas

Graduate College Dissertations and Theses

With the US recovering from a recession, a college diploma has become more valuable to avoid unemployment. Despite a college degree's importance, the access to higher education is a challenge for lower income Pell-Eligible Vermont students. For the past three decades, higher education continues to rise in cost faster than family income. Cost is not only an inhibitor for Pell-Eligible Vermont students. The complexities of navigating the financial systems of higher education to acquire aid in order to make college obtainable is also an issue for Pell-Eligible students. In order to successfully navigate these systems, a Pell-Eligible student's habitus, cultural …

Uncovering Inequalities: Addressing The (Re)Production Of Power Relations Within Financial Aid Processes Utilizing Institutional Ethnography, Victoria A. Hill

MAIS Projects and Theses

The purpose of this research project is to critically map the University of Washington’s institutional practices concerning financial aid and related administrative policies and procedures related to the FAFSA application. This research was conducted by using institutional ethnography as a method to analyze the difficulty of carrying out organizational duties under complex federal, state and institutional policies. It also considers how the process of carrying out these duties creates tensions for staff, and how the unintended consequences of power relations are produced and reproduced between the process of staff carrying out their duties and students receiving aid. Information obtained from …

Estimating Matriculation With A Focus On Financial Aid And Test Optional Policies: Data From A Liberal Arts Institution In The Northeast, Hillary Morgan

Seton Hall University Dissertations and Theses (ETDs)

The climate in college admissions is more competitive than ever, making understanding the college choice factors that contribute to a student’s enrollment decision increasingly important. Using admitted student data from a liberal arts institution in the northeast for fall 2008 to fall 2011, and after controlling for student preparedness, government financial aid awards, student and family characteristics, and student level of interest, I examine the relationship between (1) institutional financial aid variables, (2) a dummy variable of being test optional in the admissions process or not, and (3) the interaction between the two.

General findings of multivariate probit regression analysis …

Capabilities Eroded And Childcare Dilemmas: A Phenomenological Study Of Low-Income Single Student Mothers In Higher Education In The United States And Germany, Katja Robinson

Master's Theses and Doctoral Dissertations

The purpose of this phenomenological study was to explore the lifeworlds of low-income, single student mothers in two contrasting welfare regimes, the United States and Germany, to understand how their individual experiences as students and as mothers at the micro-level were shaped by policies regarding childcare and financial support at the macro-level. As single mothers represent a marginalized constituency, the capabilities approach in combination with the concept of defamilisation was used as an analytical framework that focused on their individual and social well-being. The objective of this cross-national study was to provide a deeper understanding of how the issues of …

Identifying Student Perspectives: Addressing The Financial Barriers Facing Low-Income Students In Study Abroad, Lauren Miranda

Master's Theses

International education today is largely concerned with improving diversity throughout study abroad but despite institutional strategies which seek to address the barriers facing underrepresented students, the overall student profile of study abroad remains unbalanced. Cost is continuously deemed the biggest barrier affecting students' ability to study abroad, a burden that is most likely heavily felt by low-income students. Therefore, the focus of this study is to identify the student perspective in relation to the financial barriers affecting low-income students' intent to study abroad. The results of this study will identify necessary student resources which institutions like Loyola University Chicago can …

Examining The Relationship Between Financial Aid And Three Aspects Of Students' First-Year Experience: Grade Point Averages, Persistence, And Housing Decisions, Aaron M. Skira

Browse all Theses and Dissertations

The purpose of this research study was to examine the relationship between financial aid and three aspects of students' first-year experience: grade point averages, persistence, and housing decisions. Analyses from data obtained from one public four-year institution in the Midwest found few differences in grade point averages, persistence, and housing decisions between students who received financial aid and those who did not. However, when examining the dependent variables among students who received different types of financial aid, several significant differences were found. Students who received scholarships and work study had significantly higher grade point averages than those who did not; …

Financial Aid As A Predictor Of Retention At A Two-Year College, Cheryl Davids

All Dissertations

The primary purpose of this study was to determine the likelihood that the type of financial assistance a student receives is a predictor of retention at a two-year college. The institution utilized in the study is a mid-size, public, two-year college in South Carolina. The effects of five distinct types of financial assistance on retention were investigated. The types of financial assistance include Federal Pell Grant, Legislative Incentive for Future Excellence (LIFE) Scholarship, South Carolina Education Lottery (SCEL) Tuition Assistance, a combination of South Carolina Education Lottery Tuition Assistance and Federal Pell Grant, and a combination of Legislative Incentive for …

An Evaluation Of Enrollment Management Models Of The 28 Florida Community Colleges, Thomas Lobasso

Electronic Theses and Dissertations

The purpose of this study was to determine the extent to which enrollment management models have been successfully implemented within the 28 Florida community colleges. The study also sought to determine when enrollment management structures began and whether expected benefits were achieved. Analysis of the data collected in this study indicated the following five major findings. First, enrollment management concepts and practices have been implemented at some level within the 23 Florida community colleges surveyed. This was evident by the use of the word "enrollment" in the organizational titles as well as in the titles of the individuals who were …