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Articles 1 - 30 of 188

Full-Text Articles in Higher Education Administration

Intersectional Inequalities In College Savings And Educational Outcomes Across Race/Ethnicity, Immigrant Status, And Gender: A Quant-Crit Analysis, Jason Jabbari, Ibrahim Habiba, Mat Despard, Somalis Chy Jun 2026

Intersectional Inequalities In College Savings And Educational Outcomes Across Race/Ethnicity, Immigrant Status, And Gender: A Quant-Crit Analysis, Jason Jabbari, Ibrahim Habiba, Mat Despard, Somalis Chy

Journal of Student Financial Aid

As families use savings to further their children’s education, education serves as both a key driver of wealth and an artifact of wealth itself. Despite these cyclical relationships and the ways in which education and wealth are stratified across gender, race/ethnicity, and immigration, there is little intersectional research exploring these relationships. We employ a quantitative critical approach and leverage the first nationally representative longitudinal survey that includes information on high school achievement, college savings, borrowing, college enrollment, and major of study. We first demonstrate how race-gender and immigrant-gender intersectional groups experience disadvantages in college savings and in educational outcomes. We …

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Caught In The Sap: An Argument For Satisfactory Academic Progress Reform Toward Equity For College Students, Z.W. Taylor, Sarah Pauter May 2026

Caught In The Sap: An Argument For Satisfactory Academic Progress Reform Toward Equity For College Students, Z.W. Taylor, Sarah Pauter

Journal of Student Financial Aid

This issue article explores how satisfactory academic progress (SAP) policies act as a major filtering mechanism within the federal student aid process, with a particular focus on how these policies impact student persistence and equity. While the majority of research on financial aid has concentrated on the challenges of the FAFSA application process and how aid supports student retention, less attention has been given to how institutions develop and impose SAP policies and how students navigate these policies and maintain eligibility for federal and other forms of student aid. As a result, this issue article articulates a two-pronged argument to …

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Readiness Roadblocks: Identifying Financial Challenges And Financial Wellness Among First-Year College Students, Vanessa Peña, Daniel J. Wilson, Susan P. Farruggia, Annette Wright, Aisha El-Amin May 2026

Readiness Roadblocks: Identifying Financial Challenges And Financial Wellness Among First-Year College Students, Vanessa Peña, Daniel J. Wilson, Susan P. Farruggia, Annette Wright, Aisha El-Amin

Journal of Student Financial Aid

This paper explores the financial challenges and financial wellness of first-year students from a large, public, urban research university in the Midwest. Utilizing a financial wellness lens, we uncover students’ financial preparation and identify key financial challenges they face in managing college expenses while exploring how institutions can better support students in understanding and planning for the financial costs of higher education. Our findings highlight students were encouraged to attend college but lacked financial preparation and support, limiting their ability to manage their college expenses; the financial advice and resources provided often did not align with students’ actual experiences and …

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Lost In The Fine Print: A Phenomenological Inquiry Of Adhd, Student Loans, And Scarcity, Gaurav R. Sinha, Lakshya Kadiyan, Leon Banks, Kannappa V. Shetty Apr 2026

Lost In The Fine Print: A Phenomenological Inquiry Of Adhd, Student Loans, And Scarcity, Gaurav R. Sinha, Lakshya Kadiyan, Leon Banks, Kannappa V. Shetty

Journal of Student Financial Aid

The primary objective of this phenomenological study was to explore the cognitive and affective challenges faced by individuals experiencing ADHD and their student loans, particularly through the lens of “scarcity theory”. We analyzed 250 posts (~86 pages/67,000 words) from an online community on Reddit, where individuals experiencing ADHD shared experiences related to student debt. Thematic analysis was employed to identify key themes in these posts. Four key themes emerged: (1) ADHD and baseline mental bandwidth, highlighting preexisting executive functioning challenges that limit cognitive and affective capacity; (2) demands of student loan debt, which intensify stress through complex repayment systems and …

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Exploring Interventions And Policies To Boost Financial Aid Application Completion Rates: An Integrative Review, Stephanie M. Haines Apr 2026

Exploring Interventions And Policies To Boost Financial Aid Application Completion Rates: An Integrative Review, Stephanie M. Haines

Journal of Student Financial Aid

Applying for financial aid can be a significant hurdle for students who want to attain a college degree. This integrative literature review synthesizes recent studies that explore interventions and policies that seek to increase financial aid application completion rates and related student outcomes. A thematic analysis suggests that interventions can be successful at the individual level, especially for students with marginalized identities, under certain conditions; however, policy shifts are necessary for structural change. Limitations and suggestions for future research and implications for practice are discussed.

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Some Promises Are Worth More Than Others: How “Free Community College” Programs Impact Postsecondary Participation, Destinations, And Degree Completion, David Monaghan, Elizabeth Hawke Apr 2026

Some Promises Are Worth More Than Others: How “Free Community College” Programs Impact Postsecondary Participation, Destinations, And Degree Completion, David Monaghan, Elizabeth Hawke

Journal of Student Financial Aid

“Free college” programs are widespread in American higher education.  They are discussed as addressing college access, affordability, inequality, and skills shortages.  Many are last-dollar tuition guarantees restricted to use at single community colleges.  Using student-level data spanning the transition to college, we investigate how two similar local community college tuition guarantees in Pennsylvania affected college-going outcomes.  We estimate that the Morgan Success Scholarship has large impacts on any college enrollment, community college attendance and associate degree attainment, but also diverts students from four-year colleges and reduces bachelor’s attainment. Meanwhile, we find scant evidence that the Community College of Philadelphia’s 50 …

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Simulation Culture And Organizational Readiness In Social Work Education: Examining Faculty Perspectives., Kate Whitney Mar 2026

Simulation Culture And Organizational Readiness In Social Work Education: Examining Faculty Perspectives., Kate Whitney

Doctor of Social Work Capstone Projects

Despite the growing emphasis on simulation-based learning (SBL), faculty perceptions of organizational readiness for this approach in social work education remain understudied. This exploratory mixed-methods study examined faculty readiness across two CSWE-accredited programs using the Simulation Culture Organizational Readiness Scale (SCORS) and qualitative open-ended questions (𝑁=21). Findings revealed modest and uneven readiness across both programs, with full-time faculty reporting significantly lower readiness scores than adjunct and part-time faculty. Qualitative data identified critical needs for foundational dialogue on SBL principles, strategic institutional investment, and targeted faculty development. Participants also expressed concerns regarding the pace of adoption and potential conflicts with the …

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Navigating Federal Work-Study: How Informational And Structural Barriers Shape First-Year Student Participation, Sooji Kim Jan 2026

Navigating Federal Work-Study: How Informational And Structural Barriers Shape First-Year Student Participation, Sooji Kim

Journal of Student Financial Aid

Understanding the complex nature of institutional and student behaviors regarding the federal work-study program (FWS) is critical to bolstering federal and institutional efforts to implement tangible policy interventions and practical improvements to the program. However, there is scant literature about the mechanisms of students’ FWS decision-making processes. To better understand the “why” of students’ decisions and behaviors around the FWS program, this study explores the determinants of imperfect FWS aid take-up among lower-income, first-year college students. Drawing upon multidisciplinary views on students’ work decisions while in college, a survey was developed and administered at a large public four-year university in …

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Forging Pathways: How Low-Income Stem Students Navigate College On A Free Tuition Program, Taylor Wilby, Sarah Madsen, Nathan F. Alleman Jan 2026

Forging Pathways: How Low-Income Stem Students Navigate College On A Free Tuition Program, Taylor Wilby, Sarah Madsen, Nathan F. Alleman

Journal of Student Financial Aid

In light of the ever-increasing cost of tuition, colleges and universities are turning to free tuition programs to make college more affordable – especially for those students demonstrating the most financial need. Concurrently, students from low-income backgrounds continue to enroll in Science, Technology, Engineering, and Mathematics (STEM) majors, navigating rigorous fields of study and anticipating highly lucrative career opportunities following graduation. This project, therefore, sought to answer the following question: How and in what ways is the college-going navigation of low-income STEM students influenced by a free tuition pathway in a selective, affluent university? Utilizing a qualitative, symbolic interactionist …

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Student Loan Debt And Higher Education Disruptions During Covid-19, Arielle Kuperberg, Danny Turkson, Joan Maya Mazelis, Katherine Fredricks, Anurag Pant Dec 2025

Student Loan Debt And Higher Education Disruptions During Covid-19, Arielle Kuperberg, Danny Turkson, Joan Maya Mazelis, Katherine Fredricks, Anurag Pant

Journal of Student Financial Aid

We collected and analyzed a survey of 1,018 undergraduate students enrolled at a public regional university in Spring 2021, examining pandemic disruptions to education, living situations, and finances in the first year of the pandemic, and their relationship to loan presence and reports of taking out more loans as a result of the pandemic. Over half of students had student loans, and over one-third of them reported that they increased loan debt due to the pandemic. Results revealed pandemic-related academic and financial disruptions increased student debt for some. Students with loans were also more likely to have moved out of …

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Impacts Of The Besse Scholarship On College Attendance: An Evaluation Of A Rural Scholarship Program, Andrew M. Mertig, Julie Dilling, Wayne Thompson, Jennifer Flatt Dec 2025

Impacts Of The Besse Scholarship On College Attendance: An Evaluation Of A Rural Scholarship Program, Andrew M. Mertig, Julie Dilling, Wayne Thompson, Jennifer Flatt

Journal of Student Financial Aid

The rising costs of higher education have presented challenges for many students, particularly in rural areas where access to free-tuition programs has been limited. This cross-sectional study investigates the impact of the Besse Scholarship program, a rural guaranteed scholarship fund, on college attendance among students from Butternut High School. Targeting graduates between 1993 and 2022, the study employed convenience sampling and online surveys, with 120 respondents representing 21.4% of the eligible population. Results indicate that the Besse Scholarship motivated students to pursue higher education and provided significant financial relief. Eligibility for the scholarship was found to be positively associated with …

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A Return To Relevance: The National Association Of Student Financial Aid Administrators From 2012 To 2017, Saralyn Mckinnon-Crowley, Jacob P. Gross Dec 2025

A Return To Relevance: The National Association Of Student Financial Aid Administrators From 2012 To 2017, Saralyn Mckinnon-Crowley, Jacob P. Gross

Journal of Student Financial Aid

This paper delves into the historical narrative of the National Association of Student Financial Aid Administrators (NASFAA) from 2012-2017, focusing on its operational evolution, policy advocacy efforts, and the changing landscape of financial aid programs. It discusses key developments within NASFAA, such as the shift from a committee structure to a task force model, to enhance operational efficiency and member engagement. Furthermore, the document discusses NASFAA's strategic initiatives, including NASFAA University (NASFAA U) and the AskRegs Knowledgebase, as well as the pivotal role NASFAA played in the move to the use of prior-prior year for the Free Application for Federal …

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Student Loan Debt And Alumni Perception Of Return On Investment, Kimberly Yousey-Elsener Oct 2025

Student Loan Debt And Alumni Perception Of Return On Investment, Kimberly Yousey-Elsener

Journal of Student Financial Aid

The return on investment (ROI) for higher education continues to be a conversation for institutions and their many constituencies. Measuring ROI using post-graduation salaries is a popular yet limiting way to measure ROI. For higher education institutions, demonstrating ROI using salary leaves them little actionable data beyond funneling more graduates into high-paying career tracks. Alternative measures that not only demonstrate ROI but also provide insights for institutions on how to increase student success are needed. This study uses results from the National Alumni Career Mobility Survey (NACM) to explore the relationships between alumni perceptions of ROI and student loan debt. …

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Complicating Understandings Of Low-Income Students’ Financial Stress And Well-Being In Order To Inform Institutional Support, Khalilah R. Lauderdale, Ralitsa Todorova, Zoë B. Corwin Oct 2025

Complicating Understandings Of Low-Income Students’ Financial Stress And Well-Being In Order To Inform Institutional Support, Khalilah R. Lauderdale, Ralitsa Todorova, Zoë B. Corwin

Journal of Student Financial Aid

This paper seeks to enhance understanding of how low-income students navigate financial stress by integrating the asset-based concept of financial well-being and including a focus on the institutional context. Data collected from 378 interviews with students from low-income backgrounds illustrate complex ways that students experience financial stress and financial well-being. By centering students’ perspectives in analysis while also accounting for programmatic and institutional contexts, the authors aim to push theory and practice toward a more nuanced understanding of how to best support students from low-income backgrounds as they navigate affording college and fostering financial well-being.

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Has “Better Fafsa” Been Better Or Worse? A Study Of Student And Stakeholders’ Experience With The 2024-25 Fafsa, Jonathan S. Lewis, Alyssa Stefanese Yates Oct 2025

Has “Better Fafsa” Been Better Or Worse? A Study Of Student And Stakeholders’ Experience With The 2024-25 Fafsa, Jonathan S. Lewis, Alyssa Stefanese Yates

Journal of Student Financial Aid

The 2024-25 or “Better” FAFSA was intended to be simpler, addressing long standing issues with the federal financial aid application process, and expand financial aid eligibility to more low-income students and their families. However, its problematic implementation had negative implications for college access, affordability, and enrollment. This study reviews findings from a mixed methods case study of 274 students, parents, high school counselors, and financial aid administrators’ experiences navigating the 24-25 FAFSA. Interpreting participant responses through an administrative burden lens, the study found some intentional changes in the 24-25 FAFSA, such as the Direct Data Exchange and user-centered design elements, …

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Gender And Racial Gaps In Student Shadow Debts, Melissa Jones, Jodonnis Rodriguez, Amanda Stype Oct 2025

Gender And Racial Gaps In Student Shadow Debts, Melissa Jones, Jodonnis Rodriguez, Amanda Stype

Journal of Student Financial Aid

This exploratory study delves into the intricate landscape of student debt by spotlighting the demographics of non-returning university students who grapple with unpaid bursar bills, a type of shadow debt not visible in traditional assessments of loan borrowing and repayment. Analysis of such shadow debt at one regional Midwest institution reveals that underrepresented minority students and female students are disproportionately burdened, facing 117% and 19% higher odds of unpaid institutional balances being sent to collections, respectively. These findings illuminate the urgent need for 1) tailored interventions that can bolster the resilience of at-risk students, effectively addressing and alleviating the financial …

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Does Teach Lead To More Teachers? Evaluating The Effects Of The Federal Teach Program, Daniel Sparks Aug 2025

Does Teach Lead To More Teachers? Evaluating The Effects Of The Federal Teach Program, Daniel Sparks

Journal of Student Financial Aid

Teachers are critical to education production. Yet, recruiting and retaining teachers has remained challenging, particularly in high need fields, at schools serving a high proportion of students from low-income backgrounds, and from racially diverse backgrounds. To incentivize enrollment in teacher preparation programs and to support teacher candidates through degree completion, the federal government implemented the Teacher Education Assistance for College and Higher Education (TEACH) Grant in 2008. The TEACH Grant offers undergraduate and graduate students up to $16,000 and $8,000 in grant aid, respectively, to pursue degrees in high need teaching fields. I use difference-in-differences analyses to estimate the effects …

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Improving Equity In Financial Aid Policy For Students With Disabilities, Ryan S. Wells, S. Kate Farmer, Morgan D. Woroner Aug 2025

Improving Equity In Financial Aid Policy For Students With Disabilities, Ryan S. Wells, S. Kate Farmer, Morgan D. Woroner

Journal of Student Financial Aid

Disabled college students face significant barriers to degree completion, including systemic inequities in financial aid policies. This Issue Article investigates financial aid policies that unfairly limit aid to disabled students, at times forcing them to choose between maximizing their financial aid and the recommended accommodations to which they have a legal right, such as a reduced courseload. We highlight how current policies, including Pell Grant proration, Satisfactory Academic Progress (SAP) requirements, and lifetime funding caps, create financial and administrative burdens that disproportionately affect disabled students. By examining federal and state-level policy responses, we identify both promising practices and persistent gaps …

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“I Need To Borrow Some Money”: How Community College Students Of Color Experience Punitive Financial Aid Structured Disbursements, Devon L. Graves May 2025

“I Need To Borrow Some Money”: How Community College Students Of Color Experience Punitive Financial Aid Structured Disbursements, Devon L. Graves

Journal of Student Financial Aid

Community college students must navigate complex financial aid policies and procedures to obtain their aid award. In this study, I investigated how Students of Color at a community college experience financial aid disbursements. Through qualitative interviews, I found that community colleges disburse aid to students through a process I define as structured disbursements, which delays students’ receipt of their aid. Using Critical Race Theory (CRT) to frame this study, I argue that racist notions about Students of Color with financial need influence how aid is disbursed in the community college sector, which ultimately harms these students. I provide recommendations for …

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‘Somebody Did Something’: Pell-Eligible Community College Student Perceptions Of Financial Aid, Sarah V. Diehl, Mia Ocean Apr 2025

‘Somebody Did Something’: Pell-Eligible Community College Student Perceptions Of Financial Aid, Sarah V. Diehl, Mia Ocean

Journal of Student Financial Aid

With tuition increasing at a faster rate than inflation, many college students depend on financial aid to access education. The largest form of federal aid is the Pell Grant, which subsidizes over 30 billion a year worth of tuition for eligible students. While the ED is not required by Congress to measure success outcomes for Pell recipients, quantitative research has produced mixed results. Researchers have explored what causes Pell-eligible students to fail or persist, but the reasons can be varied and intersectional. However, little research exists on the student perspectives of financial aid, apart from their financial literacy or their …

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Cost-Saving For Low-Income Students? Does Dual Enrollment Increase College Students’ Scholarships And Grants?, Xiaodan Hu Mar 2025

Cost-Saving For Low-Income Students? Does Dual Enrollment Increase College Students’ Scholarships And Grants?, Xiaodan Hu

Journal of Student Financial Aid

This study examines the relationship between earning dual credits and college students’ scholarships and grants packages and levels, focusing on low-income students. Using nationally representative data from the High School Longitudinal Study of 2009, I used a quasi-experimental approach to reduce selection bias of DE credit-earning coupled with regression models. The findings indicate that first-year college students with earned DE credits are about 1.5 times more likely to receive scholarships and grants, especially for merit-based aid. On average for the full sample, DE students receive $1,229 more in total scholarships and grants when compared with non-DE students, with $586 more …

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A Qualitative Exploration Of The Robert Smith Gift At Morehouse College, Kinnis Gosha, Nina Gilbert, Whitney Nelson, Kaylah Mackroy, Mi'kayla Newell, Amber Reid, Kaela S. Jackson Mar 2025

A Qualitative Exploration Of The Robert Smith Gift At Morehouse College, Kinnis Gosha, Nina Gilbert, Whitney Nelson, Kaylah Mackroy, Mi'kayla Newell, Amber Reid, Kaela S. Jackson

Journal of Student Financial Aid

Previous scholars investigating the effects of student loan debt have conducted survey analyses involving large samples to examine the relationships among debt forgiveness, loan repayment behavior, income earnings, and returning home. Fewer works have explored the outcomes of student loan elimination in a qualitative study. In 2019, Robert Smith donated a Gift (RSGift) to the graduating class of Morehouse College, which eliminated the new graduates’ student loan debt, inviting further inquiry into their developments since receiving the gift. This study employs a qualitative investigation to examine how student loan elimination influenced the graduating classes. This study also applies Yosso’s Community …

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Emerging And Young Adult Student Loan Borrowers: Financial Behaviors And Characteristics, Gaurav R. Sinha, Sean P. Mullen, Christopher R. Larrison, Sicong Sun Mar 2025

Emerging And Young Adult Student Loan Borrowers: Financial Behaviors And Characteristics, Gaurav R. Sinha, Sean P. Mullen, Christopher R. Larrison, Sicong Sun

Journal of Student Financial Aid

We examined patterns and sociodemographic correlates of financial characteristics and behaviors among emerging and young (18-34-year-old) student loan borrowers who were repaying their loans. Employing latent class regression modeling on a subset of the 2018 National Financial Capability Study (N =1,490), we explored heterogenous constellation of patterns in financial characteristics and behaviors of these borrowers. Results indicated four distinct classes of financial characteristics and behaviors: financially strained (20.8%), financially balanced (29.2%), financially capricious (20%), and financially vulnerable (30.1%). Gender, race, and education were found to be consistently correlated with financial characteristics and behavior patterns. Marital status, income, employment, and welfare …

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Loans In The Long Game: How Student Debt Affects Financial Stress Post-Graduation, Thomas S. Zimmerman, Faye R. Jones, Avery M. D. Davis, Carley Dear Mar 2025

Loans In The Long Game: How Student Debt Affects Financial Stress Post-Graduation, Thomas S. Zimmerman, Faye R. Jones, Avery M. D. Davis, Carley Dear

Journal of Student Financial Aid

This study employs data from the National Center for Education Statistics’ (NCES) Baccalaureate and Beyond Surveys to compare financial well-being among college graduates with varying social characteristics and levels of student debt. We use logistic regression to answer three questions: 1) To what extent does the amount of debt at graduation affect students' financial stress that they will be able to meet their fiscal obligations following graduation; 2) To what degree does this affect students from marginalized backgrounds; and 3) What are the postgraduate financial experiences of students who graduate from Hispanic Serving Institutions, Primarily Black Institutions, or Historically Black …

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Readability And Access To Student Financial Aid: Evaluating Community College Financial Aid Application Information, Zachary W. Taylor Mar 2025

Readability And Access To Student Financial Aid: Evaluating Community College Financial Aid Application Information, Zachary W. Taylor

Journal of Student Financial Aid

Although United States (U.S.) community college enrollment rose in 2023, the sector has contracted by 37% since 2010, representing millions of students. As a result, community college practitioners should ensure that individuals understand financial aid information to apply for aid and access community colleges. Here, this study gathered federal financial aid application instructions from 949 U.S. community colleges to evaluate grade-level readability of these instructions. Results suggest the average readability level of community college financial aid information is above the 14th grade level, with negligible differences between institutional sectors. Implications for practice and community college student access are addressed.

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Demonstrating Deservingness In College Tuition Crowdfunding Campaigns, Siqi Han Jan 2025

Demonstrating Deservingness In College Tuition Crowdfunding Campaigns, Siqi Han

Journal of Student Financial Aid

College tuition creates a substantial financial burden for students and families in the United States. Exhausting their own financial resources to pay for their college tuition, some students seek to crowdfund their tuition – a new channel for higher education finance that may become more prevalent in the future. Distinctively, crowdfunding campaigns are not reviewed or approved in the same way as traditional funding applications, leaving space for students’ own justification for deservingness. This paper identifies the embedded semantic features in online college tuition campaigns that raised more money than the rest on a major crowdfunding platform and derives the …

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A Little Bit Of Everything: Persistence Though The Pre-Medical Pipeline For First And Continuing Generation Students., Tana R. Didelot Dec 2024

A Little Bit Of Everything: Persistence Though The Pre-Medical Pipeline For First And Continuing Generation Students., Tana R. Didelot

Electronic Theses and Dissertations

This qualitative research study examines pre-medical college student persistence in their pathway to medical education. Through the framework of Terenzini and Reason’s College Student Persistence Model (2005), this work sought to understand the pre-college experiences, campus support factors, and external environments that help pre-medical college students to continue toward their goal of medical school entry. This study included pre-medical undergraduate students in the campus context of one public institution in the Southern Unites States. Pre-medical upperclassmen students were interviewed using a semi-structured protocol developed with the persistence framework. The analysis was conducted to obtain a more nuanced understanding of the …

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“I Had No Idea”: At-Risk College Student Knowledge Of Financial Aid And Resources, Elizabeth A. Rainey, Zach W. Taylor Oct 2024

“I Had No Idea”: At-Risk College Student Knowledge Of Financial Aid And Resources, Elizabeth A. Rainey, Zach W. Taylor

Journal of Student Financial Aid

Although research has explored what college students struggle to understand about financial aid, no research has investigated how at-risk students on financial aid probation articulate their financial aid knowledge and the gaps in that knowledge. As a result, this content analysis investigates online discussion board posts from a credit-bearing student success course for at-risk students (GPA < 2.00 or below a 67% completed over attempted credit hours ratio) to learn how these students conceptualized their financial aid knowledge and how prior knowledge could have helped them before reaching probationary financial aid status. This study involved 110 students across three semesters in the midst of the COVID-19 pandemic. Findings suggest students lacked financial aid knowledge to plan their college career, specifically with student loans. They relied on a range of familial resources, but were often unaware that their academic progress was tied to their financial aid. Implications for research, policy, and practice are addressed.

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Student Loan Policies And Payments During The Covid-19 Pandemic: Closing The Gap Or Widening Inequalities?, Jason Jabbari, Takeshi Terada, Haotian Zheng, Stephen Roll Oct 2024

Student Loan Policies And Payments During The Covid-19 Pandemic: Closing The Gap Or Widening Inequalities?, Jason Jabbari, Takeshi Terada, Haotian Zheng, Stephen Roll

Journal of Student Financial Aid

Student debt was specifically addressed in the federal government’s response to the COVID-19 pandemic through forbearance polices. However, not all individuals were eligible for forbearance, and it is possible that forbearance would leave some feeling further behind. Yet, little is known about student loan debt over the course of the pandemic, especially in relationship to forbearance policies, loan payments, and household financial stability. Leveraging a representative longitudinal survey of households during the pandemic, we use descriptive regression techniques to explore changes in loan balances throughout the pandemic, as well as the relationships among student loan policies, payments, and measures of …

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Patterns Of Borrowing For Student Veterans, Phillip A. Morris, Jim Burke, Jen Weiss Oct 2024

Patterns Of Borrowing For Student Veterans, Phillip A. Morris, Jim Burke, Jen Weiss

Journal of Student Financial Aid

This study examined the relationship between individual and institutional characteristics for student veterans who borrow money while enrolled in degree-seeking programs. Using data from the National Postsecondary Student Aid Study (NPSAS 16), we established predictors of borrowing, implications of borrowing, and examined patterns in total aid awarded to this group of students. The accumulation of grant funding, Department of Defense funds, and Veteran’s Education Benefits (i.e. GI Bill) contribute to lower levels of borrowing for veterans. However, subgroups of student veterans borrow more than non-veterans, e.g. Asian and Hispanic identifying students. Significant predictors of borrowing included attending for-profit institutions, identifying …

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