Education Economics Commons^™

Public Service Loan Forgiveness: A Historical Overview And Practical Implications For Higher Education Practitioners, Allison Maldonado, Z.W. Taylor, Patrick Ziegler, Elizabeth A. Rainey, Debra Carter, Dana George, Karla A. Weber-Wandel

Essays in Education

Although student loan forgiveness continues to remain in the headlines within United States higher education contexts, relatively little is known about the origins of the public service loan forgiveness (PSLF) program, federal policy that has shaped the borrowing patterns of public servants for decades. Moreover, as one of the largest student loan forgiveness programs available through the U.S. federal government, higher education practitioners would benefit from a historical overview of the PSLF program to provide context, as well as offer practical implications for practitioners working with student loan borrowers seeking entry to a public field of work. As a result, …

Prioritizing Belonging For Pk-12 Families On Financial Assistance In Private Schools, Deana Clapp

Doctorate in Education

This dissertation examined the experiences of 10 families of students in PK-12 private schools leveraging financial assistance (FA) to afford tuition and seven school FA staff who worked with families. Current literature is prominent in higher education but scant in the PK-12 milieu. Moreover, qualitative studies examining student experience in higher education have only recently begun unfolding. Drawing from a qualitative phenomenological study with an interpretivist, critical approach, this study discloses school belonging and marginalization sentiments vis a vis the power of school practices and policies to shape student and family experience. This study shares the vulnerability of private PK-12 …

Pay No Attention To The Regulation Behind The Curtain: The Implications Of The Return To Title Iv (R2t4) Federal Aid Policy On Time To Degree, Apri Medina

Department of Educational Administration: Dissertations, Theses, and Student Research

Federal aid programs and their effect on student persistence, stopout, and completion have long been studied, but current literature does not fully capture the temporal nature of these programs due to insufficient methods, imprecise data, or both. Using event history methodologies, I leverage a unique level of access to data at a public four-year, research intensive university to explore how the Return to Title IV federal aid withdrawal policy, one of the most prominent yet understudied aspects of federal financial aid policies, influences time to degree. The treatment of this policy is associated with a 58.6% reduced risk (reduced conditional …

A Case Study: Clery Act Policy And Implementation Strategies, Sara Beverage

CUP Ed.D. Dissertations

The Clery Act was created as a consumer protection law to inform prospective students and their families about the safety of the campuses they consider. The law requires that post–secondary institutions participating in Title IV federal financial assistance programs remain compliant with Clery Act regulations to maintain the ability to offer financial aid funds to students. Noncompliance with the Clery Act can result in disqualification from Title IV programming and damaging institutional fines. These consequences warrant a deeper examination of the law and ways that Clery Act facilitators effectively implement compliance strategies and affect campus safety. This intrinsic case study …

The Price Of Graduate And Professional School: How Much Students Pay, Sandy Baum, Patricia Steele

Commissioned Research

Like tuition and fees for undergraduate students, prices for graduate and professional study have risen rapidly over time. But average published prices tell us little about how much students actually pay. Despite high sticker prices, many students enrolled in research doctoral degree programs pay no tuition and fees because institutional grant aid, fellowships and tuition waivers cover these charges. Master’s degree students and those in professional practice degree programs are much less likely to receive this assistance. In 2011–12, one-third of full-time graduate and professional degree students received grant aid from their institutions. This included 71 percent of research doctoral …

Tennessee Promise: Impact On College Choice In Upper Northeast Tennessee, Jennifer R. Barber

Electronic Theses and Dissertations

The purpose of this correlational study was to explore the relationship between the new statewide two-year financial aid program, Tennessee Promise, and college choice among high school seniors in four counties in upper Northeast Tennessee. Independent variables included GPA, concern about ability to pay for college, and plans to attend a two-year or four-year institution. The dependent variables were scored on three dimensions: cost factors, social factors, and academic factors relating to college choice. Additionally, respondents reported perceptions of Tennessee Promise related to college choice. A 22-item survey was administered to high school seniors from four counties in upper Northeast …

How Federal Work-Study Affects The College Student Experience, Cole William Kallio-Crotteau

Masters Theses

By creating a quantitative assessment and using one on one interviews, participants were asked to describe their collegiate experience as it has changed and evolved while enrolled in the Federal Work-Study (FWS) program. To achieve the greatest amount of data, four participants were individually interviewed who currently held FWS-funded positions and determined the affects the program had on their time at the Midwestern institution. All participants perceived college experiences were impacted in some way positively, citing multiple examples of growth and development throughout their time involved.

Financing Graduate And Professional Education: How Students Pay, Sandy Baum, Patricia Steele

Commissioned Research

This brief examines how students finance their graduate and professional education. It summarizes the sources of funds used to cover the tuition and fees universities charge, as well as living expenses. Institutions set a “cost of attendance” (COA) for students, estimating the average budget for one academic year (fall through spring). COA includes tuition and fees, books and supplies, room and board, transportation, and other living expenses, and it establishes the maximum amount students can borrow in federal student loans to attend a particular school. These official budgets serve as the foundation for the discussion that follows about how graduate …

Graduate And Professional School Debt: How Much Students Borrow, Sandy Baum, Patricia Steele

Commissioned Research

There is wide variation in how students cover tuition and living expenses while they pursue graduate and professional degrees. Most research doctoral degree students attending public and private nonprofit schools benefit from generous institutional fellowships and assistant ships that cover a significant portion of their expenses. But master’s degree students in all sectors cover most of their expenses with earnings from employment and federal student loans. Borrowing is particularly important for professional degree students, most of whom have neither earnings from employment during the academic year nor grants and fellowships to cover tuition and living expenses while they are enrolled. …

Student Financial Aid Processes And Borrowing Perspectives, Carol Pierson Milhous

Graduate Research Theses & Dissertations

There is a rising level of debt associated with attending college. Educational investment decisions, knowledge of financial management, attitudes and practices of student borrowing can have a significant impact on students’ futures. Student loan debt has been linked to adverse effects post-graduation in terms of employment, savings and making major purchases. Financial aid and money management skills of federal student loans are needed to help students achieve a quality life as working adults (Wolber, 2012). Approaches toward basic financial aid literacy and managing student debt should be addressed on college campuses.

The purpose of this qualitative case study was to …

Learning From A Decade Of College Promise Scholarships, Michelle Miller-Adams, Brad J. Hershbein

Presentations

The Upjohn Institute hosted a webinar Oct. 26, 2017 to hear from leaders in the place-based, or "promise" college scholarship movement. Funders of promise programs and local and state officials, including Michigan Gov. Rick Snyder, spoke on how such programs have benefited their communities and addressed future challenges.

Tuition Discounting Study Of Private Law Schools 2016, Accesslex Institute, National Association Of College And University Business Officers

Commissioned Research

The 2016 NACUBO/AccessLex Tuition Discounting Study of Private Law Schools was commissioned by AccessLex Institute in part to provide more recent information on tuition discounting practices at law schools, and to measure the effects of discounting on law schools’ finances. The use of institutional grant aid to attract and retain law students has become even more important, as many programs have had to grapple with declines in their numbers of applicants and enrollments. This challenging context has prompted law schools to implement a variety of practices and policies to raise their enrollments, including increasing their financial aid expenditures. The data …

The Long And Unconventional Road: Stories Of Financial Challenges And Systemic Barriers In College Completion For Adult Women Undergraduate Students, Michele Anne Tyson

Higher Education: Doctoral Research Projects

The following doctoral research studies the experiences and stories of adult post-traditional undergraduate women through a feminist narrative inquiry. The study focuses on the financing of a college degree and will be explored through understanding the educational journey of each participant to highlight personal struggle and system barriers. Currently literature about the importance of institutional and federal assistance for this population is absent from higher education. Using a feminist theoretical framework and narrative inquiry, this study describes the importance and value of educating women to both individual families and societal good.

Income-Driven Repayment And The Public Financing Of Higher Education, John R. Brooks

Georgetown Law Faculty Publications and Other Works

This article provides the first comprehensive analysis in the legal literature of the federal government’s new income-driven student loan repayment programs, known as Income-Based Repayment and Pay As You Earn. In a set of gradual and little-noticed statutory and regulatory moves, the federal government, through these programs, has dramatically reshaped higher education finance in ways that schools, students, and even the government itself are only beginning to understand.

Under IBR and PAYE, a student borrower pays no more than 10% of her discretionary income in loan service payments, and after a maximum of 20 years, the remaining debt is forgiven—for …

Increasing College Opportunity: School Counselors And Fafsa Completion, Laura Owen, Erik Westlund

Journal of College Access

Closing postsecondary opportunity gaps has become a national, state and local educational priority. To help eliminate these gaps, the US Department of Education initiated a project that provided real time student level Free Application for Federal Student Aid (FAFSA) completion status to large urban school districts. Leveraging this information, school counselors identified and supported students and families as they navigated the financial aid process, resulting in statistically significant impacts on FAFSA completion and college attendance.

Student Loans And The Dynamics Of Debt, Brad J. Hershbein Editor, Kevin Hollenbeck Editor

Upjohn Press

The papers included in this volume represent the most current research and knowledge available about student loans and repayment. It serves as a valuable reference for researchers and policymakers who seek a deeper understanding of how, why, and which students borrow for their postsecondary education; how this borrowing may affect later decisions; and what measures can help borrowers repay their loans successfully.

Working Students’ Perceptions Of Paying For College: Understanding The Connections Between Financial Aid And Work, Mary Ziskin, Mary Ann Fischer, Vasti Torres, Beth Pellicciotti, Jacquelyn Player-Sanders

Educational Leadership Faculty Publications

For many students at urban commuter colleges, the process of financial aid is unknown or mysterious; and so they work—often many hours a week—to pay expenses that financial aid might have covered. Missteps, unforeseen events, and limited resources can have severe consequences for the academic progress of these students. The broader study, of which this paper is a part, represents an effort to explore and describe students’ college-going, working, family responsibilities, and academic success at three commuter institutions in a metropolitan region in the Midwest. The encompassing project aims to introduce new qualitative data and situated description into the study …

Interview With Salvatore Ciolino, July 9, 2002, Salvatore Ciolino, Michael J. Birkner

Oral Histories

Salvatore Ciolino was interviewed on July 9, 2002 by Michael Birkner about his time at Gettysburg College when Charles Glassick was president. He discussed his position as director of Financial Aid during the 1970's-1980's.

Length of Interview: 73 minutes

Collection Note: This oral history was selected from the Oral History Collection maintained by Special Collections & College Archives. Transcripts are available for browsing in the Special Collections Reading Room, 4^th floor, Musselman Library. GettDigital contains the complete listing of oral histories done from 1978 to the present. To view this list and to access selected digital versions please visit …

Financing Legal Education, Marilyn Yarbrough

Journal of Legal Education

No abstract provided.

First Year Versus Second Year Retention Of College Students: A Case Study, Heather M. O'Neill

Business and Economics Faculty Publications

Students and their families expend much time, effort and money researching which colleges or universities will best suit the students' needs. Simultaneously, institutions desire to find the cohort of students who will succeed at their schools. Recently, faced with more stringent economic constraints, schools are not only seeking students likely to succeed, but are more aware of the financial burden placed on schools if attrition is high. Since the cost of recruiting a class has risen over the years, the cost of losing students has increased. As a result, institutions are more interested in engaging in student retention studies to …