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Full-Text Articles in Education

Guest Editor’S Column: Preparing For Reauthorization Of The Higher Education Act, Laura W. Perna Nov 2015

Guest Editor’S Column: Preparing For Reauthorization Of The Higher Education Act, Laura W. Perna

Journal of Student Financial Aid

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Introduction: Reauthorization: An Opportunity For Substantive Change In How Students Pay For College, Jacob P. Gross Nov 2015

Introduction: Reauthorization: An Opportunity For Substantive Change In How Students Pay For College, Jacob P. Gross

Journal of Student Financial Aid

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The Federal Pell Grant Program And Reauthorization Of The Higher Education Act, Sandy Baum Nov 2015

The Federal Pell Grant Program And Reauthorization Of The Higher Education Act, Sandy Baum

Journal of Student Financial Aid

The Federal Pell Grant program has made education possible for many Americans. It has also helped establish the norm of public responsibility for widespread access to higher education. This essay reviews the growth of the Pell Grant program over time and its current characteristics. It then details some innovations with the potential to increase the program’s effectiveness in increasing student success, in addition to access to postsecondary education. Both the eligibility formula and the application process should be simpler and students should not have to reapply every year. Students should receive timely information and coaching services to help them ...


Borrowing And Repaying Student Loans, Nicholas W. Hillman Nov 2015

Borrowing And Repaying Student Loans, Nicholas W. Hillman

Journal of Student Financial Aid

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, research design challenges, and the growing heterogeneity of borrowers. This ambiguity makes federal policymaking difficult when questions about the benefits and burdens of student loan debt are left unanswered. By synthesizing the current research, this essay helps answer some of these questions while calling attention to others.


Does Federal Financial Aid Policy Influence The Institutional Aid Policies Of Four-Year Colleges And Universities? An Exploratory Analysis, Don Hossler, Jihye Kwon Nov 2015

Does Federal Financial Aid Policy Influence The Institutional Aid Policies Of Four-Year Colleges And Universities? An Exploratory Analysis, Don Hossler, Jihye Kwon

Journal of Student Financial Aid

There is a dearth of empirical work that examines the relationships between federal financial aid policy and institutional financial aid priorities and expenditures. This study uses Resource Dependency Theory to explore whether changes the amount of financial aid awarded by colleges and universities during the last fifty years are best explained by changes in federal financial aid policy or by demographic and economic shifts. The results suggest that shifts in federal financial aid policy and in the economy have influenced the amount of institutional financial aid, but indicate that more research is needed on this important topic.


Envisioning A Modern Federal-State Partnership In The Reauthorization Of The Hea As An Engine To Increase Social Mobility, F. King Alexander, Ashley Arceneaux Nov 2015

Envisioning A Modern Federal-State Partnership In The Reauthorization Of The Hea As An Engine To Increase Social Mobility, F. King Alexander, Ashley Arceneaux

Journal of Student Financial Aid

Financial aid makes up the bulk of federal higher education spending, but do those dollars make a difference to needy students? A look at Federal Work-Study and Federal Supplemental Educational Opportunity Grant allocations show that a disproportionate amount of funding goes to private universities with high tuition and low Federal Pell Grant enrollment. Additionally, many financial aid awards use cost of attendance as a factor in determining award amounts, creating an unintentional incentive for tuition increases. These elements contribute to a funding environment that favors private universities over publics. When considered alongside the fact that pervasive state disinvestment has caused ...


Reauthorization Ready: How Nasfaa Influences The Higher Education Policymaking Process, Megan Mcclean Coval Nov 2015

Reauthorization Ready: How Nasfaa Influences The Higher Education Policymaking Process, Megan Mcclean Coval

Journal of Student Financial Aid

The Higher Education Act (HEA) is due to be reauthorized by Congress and the higher education policy community is working hard to be a part of those efforts. The National Association of Student Financial Aid Administrators (NASFAA) plays a unique role in this process, as the HEA contains the legislation behind all of the federal student financial aid programs. As partisan politics infiltrate Washington D.C., NASFAA is working with its members and association colleagues to put forth innovative recommendations to shape and inform the reauthorization process. This paper examines the reauthorization process; highlights NASFAA’s specific work, including policy ...


Preparing For Hea Reauthorization: Recommendations For Practitioners, Brittany Inge, Pamela Fowler, Jacob P. Gross Nov 2015

Preparing For Hea Reauthorization: Recommendations For Practitioners, Brittany Inge, Pamela Fowler, Jacob P. Gross

Journal of Student Financial Aid

The upcoming reauthorization of the Higher Education Act of 1965 provides opportunities and presents challenges for financial aid administrators. This article outlines steps that aid administrators can take and challenges they may face in preparing for and responding to new legislation.


Back To The Future: What Previous Hea Reauthorizations Might Say About The Next One, Dan Madzelan Nov 2015

Back To The Future: What Previous Hea Reauthorizations Might Say About The Next One, Dan Madzelan

Journal of Student Financial Aid

For 50 years, the Higher Education Act has been the primary vehicle for advancing federal higher education policy. Many policymakers and interested observers expect its upcoming reauthorization to address three overarching topic areas: college affordability, institutional quality, and student safety. Indeed, previous reauthorizations have addressed specific issues within each of these areas—expanded financial aid availability and process simplification, third-party (accreditors and states) oversight of institutions, and assurances that students have safe learning environments. Yet we cannot say that these are settled issues. This article describes previously implemented policies in the hope that a better understanding of the past might ...


Book Review: Using Research Evidence In Education: From The Schoolhouse Door To Capitol Hill, Charlotte Etier Nov 2015

Book Review: Using Research Evidence In Education: From The Schoolhouse Door To Capitol Hill, Charlotte Etier

Journal of Student Financial Aid

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Book Review: American Higher Education In Crisis? What Everyone Needs To Know, Ben Miller Aug 2015

Book Review: American Higher Education In Crisis? What Everyone Needs To Know, Ben Miller

Journal of Student Financial Aid

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Book Review: The Student Loan Mess: How Good Intentions Created A Trillion-Dollar Problem, Justin Chase Brown Aug 2015

Book Review: The Student Loan Mess: How Good Intentions Created A Trillion-Dollar Problem, Justin Chase Brown

Journal of Student Financial Aid

N/A


Editor's Column, Jacob P.K. Gross Jul 2015

Editor's Column, Jacob P.K. Gross

Journal of Student Financial Aid

N/A


Using A Merit-Based Scholarship Program To Increase Rates Of College Enrollment In An Urban School District: The Case Of The Pittsburgh Promise, Robert Bozick, Gabriella Gonzalez, John Engberg Jul 2015

Using A Merit-Based Scholarship Program To Increase Rates Of College Enrollment In An Urban School District: The Case Of The Pittsburgh Promise, Robert Bozick, Gabriella Gonzalez, John Engberg

Journal of Student Financial Aid

The Pittsburgh Promise is a scholarship program that provides $5,000 per year toward college tuition for public high school graduates in Pittsburgh, Pennsylvania who earned a 2.5 GPA and a 90% attendance record. This study used a difference-in-difference design to assess whether the introduction of the Promise scholarship program directly influenced changes in rates of college enrollment among students graduating from Pittsburgh public high schools in years immediately following the launch of the program. Becker’s (1964) standard human capital investment model, which predicts that youth make cost-benefit calculations to guide their college enrollment decisions, provides the framework ...


Non-Borrowing Students’ Perceptions Of Student Loans And Strategies Of Paying For College, Mo Xue, Xia Chao Jul 2015

Non-Borrowing Students’ Perceptions Of Student Loans And Strategies Of Paying For College, Mo Xue, Xia Chao

Journal of Student Financial Aid

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 than those from affluent conditions. Qualitative research on the reasons for non-borrowers’ aversion to loans and strategies for college payment is rather scant. This study explores 30 lower- or lower-middle-class non-borrowing students’ lived experiences surrounding student loans from a qualitative phenomenological research lens. Data are collected from semi-structured interviews. Data analysis ...


Paying For Default: Change Over Time In The Share Of Federal Financial Aid Sent To Institutions With High Student Loan Default Rates, Ozan Jaquette, Nicholas W, Hillman Apr 2015

Paying For Default: Change Over Time In The Share Of Federal Financial Aid Sent To Institutions With High Student Loan Default Rates, Ozan Jaquette, Nicholas W, Hillman

Journal of Student Financial Aid

Both federal spending on financial aid and student loan default rates have increased over the past decade. These trends have intensified policymakers’ concerns that some postsecondary institutions— particularly in the for-profit sector—maximize revenue derived from federal financial aid without helping students to graduate or find employment. Prior studies have analyzed federal financial aid disbursements and student loan default rates in isolation from one another. Therefore, little is known about how much federal aid flows through colleges with high student loan default rates. The present study examines change over time and across sectors in the share of federal financial aid ...


More Than Access: The Role Of Support Services In The Transitional Experiences Of Underrepresented Students In A Statewide Access Program, Juan Gabriel Berumen, Desiree D. Zerquera, Joshua S. Smith Apr 2015

More Than Access: The Role Of Support Services In The Transitional Experiences Of Underrepresented Students In A Statewide Access Program, Juan Gabriel Berumen, Desiree D. Zerquera, Joshua S. Smith

Journal of Student Financial Aid

While a number of studies have examined outcomes associated with early intervention programs that have a financial aid component, few have examined the experiences of student beneficiaries of those programs and the administrators charged with carrying out state mandates associated with the implementation of the programs. This gap in the literature exists for students and administrators at both the K-12 and higher education institution levels. This qualitative study reports findings from interviews and focus groups with 76 administrators and 150 students from colleges and universities in a Midwestern state that implemented a middle school-to-college access program. Findings highlight the disparity ...


Editor's Column, Jacob P. K. Gross Mar 2015

Editor's Column, Jacob P. K. Gross

Journal of Student Financial Aid

N/A


Editor's Column, Nick Hillman Jan 2015

Editor's Column, Nick Hillman

Journal of Student Financial Aid

Editor's Column for Volume 44, Issue 3, 2014.


Financial Need And Aid Volatility Among Students With Zero Expected Family Contribution, Robert Kelchen Jan 2015

Financial Need And Aid Volatility Among Students With Zero Expected Family Contribution, Robert Kelchen

Journal of Student Financial Aid

Students with a zero expected family contribution (EFC) are those with the greatest financial need and least ability to pay for college and now make up more than one in three American undergraduate students. Yet little is known about the year-to-year financial aid volatility of these students, or whether it varies by how the zero EFC was determined. I use nationally-representative data to examine trends in zero EFC receipt over time and then use student-level data from nine colleges and universities to examine zero EFC stability over multiple years by zero EFC status. The results indicate overall stability in zero ...


Addressing Information Gaps: Disparities In Financial Awareness And Preparedness On The Road To College, Casey George-Jackson, Melanie Jones Gast Jan 2015

Addressing Information Gaps: Disparities In Financial Awareness And Preparedness On The Road To College, Casey George-Jackson, Melanie Jones Gast

Journal of Student Financial Aid

The rising cost of higher education and questions of affordability are concerns for many families in the United States, but particularly for those from traditionally underrepresented backgrounds. The knowledge of, information about, and perceptions related to how to pay for college can impact preparatory actions taken by families to prepare to pay for college. This commentary reviews literature published on pre-college financial awareness and preparation between 2000 and 2013 to examine what we know about the topic and to highlight existing disparities by race, ethnicity, and socioeconomic status. Implications are offered for programs and policies seeking to address these inequities ...


Book Review: What Excellent Community Colleges Do: Preparing All Students For Success, Sylvia F. Ramirez Jan 2015

Book Review: What Excellent Community Colleges Do: Preparing All Students For Success, Sylvia F. Ramirez

Journal of Student Financial Aid

In What Excellent Community Colleges Do: Preparing All Students for Success, Joshua Wyner offers atypical response to the problems that tend to plague community colleges; insufficient state support and underprepared students. Reviewer discusses Wyner's case studies, suggestions, and ethical impacts of the innovative ideas offered in the book.