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Articles 121 - 150 of 188

Full-Text Articles in Higher Education Administration

Uncovering Barriers To Financial Capability: Underrepresented Students’ Access To Financial Resources, Brenda Eichelberger, Heather Mattioli, Rachel Foxhoven Nov 2017

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 …

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The Importance Of Partnerships In State Financial Aid Research, Sarah Pingel, Dustin Weeden Nov 2017

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.

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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 Aug 2017

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 …

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The Impact Of Employer-Sponsored Educational Assistance Benefits On Community College Student Outcomes, Henry Tran, Douglas Smith Aug 2017

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 …

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Arizona Uncertainty: Arbitrary Barriers In Accessing Institutional Need-Based Financial Aid, Dee Hill-Zuganelli, Nolan L. Cabrera, Jeffrey F. Milem Aug 2017

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 …

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Certification Of Financial Aid Administrators: Is It Time To Move Forward?, Stacey A. Peterson Aug 2017

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, …

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Leveraging Guided Pathways To Improve Financial Aid Design And Delivery, Maria Luna-Torres, Melet Leafgreen, Lyle Mckinney Aug 2017

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 …

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College Student Debt And Anticipated Repayment Difficulty, Jonathan J. Fox, Suzanne Bartholomae, Jodi C. Letkiewicz, Catherine P. Montalto Aug 2017

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 …

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Editor's Column, Jacob P. Gross Apr 2017

Editor's Column, Jacob P. Gross

Journal of Student Financial Aid

N/A

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Debt Profiles Of Model Students: The Projected Debt Of Highly Productive Students And Its Economic Impact, Mark E. Fincher Apr 2017

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 …

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The Distributional And Cost Implications Of Negative Expected Family Contributions, Robert Kelchen Apr 2017

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 …

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Student Loans, Financial Stress, And College Student Retention, Sonya L. Britt, David Allen Ammerman, Sarah F. Barrett, Scott Jones Apr 2017

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 …

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Beyond Financial Need: Predictors Of Student Loans And Student Loan Attitudes, Jill M. Norvilitis, Meghan J. Batt Dec 2016

Beyond Financial Need: Predictors Of Student Loans And Student Loan Attitudes, Jill M. Norvilitis, Meghan J. Batt

Journal of Student Financial Aid

Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan resignation attitudes predicted level of student loan debt. In addition, locus of control, delay of gratification, and social comparison are also related to loans and loan attitudes. Parental instruction marginally predicted loan attitudes, but not loan totals. Overall, these results suggest the need to consider non-need based factors when counseling …

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Which U.S. Households Use Education Loans?, Chungwen Hsu, Patti J. Fisher Dec 2016

Which U.S. Households Use Education Loans?, Chungwen Hsu, Patti J. Fisher

Journal of Student Financial Aid

This empirical study uses the 2013 Survey of Consumer Finances (SCF) to investigate the characteristics of households that hold at least one loan for educational expenses. The benefit of using household-level data is that a single household may have education loans for multiple people in the household, including the household head, spouse/partner, and children. In studies of the education loan debt of individuals, the true effect on households may be overlooked. The present results show that the respondent’s age, respondent’s marital status, having at least one dependent child under the age of 18, net worth, home ownership, stock ownership, being …

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Editor's Column, Jacob P.K. Gross Dec 2016

Editor's Column, Jacob P.K. Gross

Journal of Student Financial Aid

N/A

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Competency-Based Education And Federal Student Aid, Stephen R. Porter Dec 2016

Competency-Based Education And Federal Student Aid, Stephen R. Porter

Journal of Student Financial Aid

Competency-based education is increasingly popular because of the flexibility it provides for students seeking a postsecondary credential. Current federal student aid, however, is geared toward supporting students in traditional, time-based degree programs. This paper discusses why current approaches to federal student aid are not supportive of competency-based degree programs and explores how federal statute and regulations could be changed, in ways that are not reliant on time and credit hours, to disburse aid to students while minimizing fraud.

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Goal Complexity In Financial Aid And The Contingency Of Organizational Sector, Amanda Rutherford Aug 2016

Goal Complexity In Financial Aid And The Contingency Of Organizational Sector, Amanda Rutherford

Journal of Student Financial Aid

Expectations of public institutions of higher education now include a growing number of competing goals. Financial assistance policies are expected to reward student talent, expand access to education, boost retention and graduation rates, and more. Yet research has not generally provided an empirical assessment of whether and how higher levels of goal complexity are linked to institutional processes and outcomes. The present study examines financial assistance goal complexity in two- and four-year public institutions using survey data from the State Higher Education Executive Officers Association (SHEEO). Findings show that both two-year and fouryear colleges are affected similarly by goal complexity …

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In The Right Ballpark? Assessing The Accuracy Of Net Price Calculators, Aaron M. Anthony, Lindsay C. Page, Abigail Seldin Aug 2016

In The Right Ballpark? Assessing The Accuracy Of Net Price Calculators, Aaron M. Anthony, Lindsay C. Page, Abigail Seldin

Journal of Student Financial Aid

Large differences often exist between a college’s sticker price and net price after accounting for financial aid. Net price calculators (NPCs) were designed to help students more accurately estimate their actual costs to attend a given college. This study assesses the accuracy of information provided by net price calculators. Specifically, we compare NPC estimates of financial aid to actual aid packages for a sample of low-income, first-time college students at seven postsecondary institutions which all utilize the federal template NPC. We find that NPC estimates of grant aid correlate highly with actual grant aid on average, but variation in individual …

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Does Merit-Based Aid Improve College Affordability? Testing The Bennett Hypothesis In The Era Of Merit-Based Aid, Jungmin Lee Aug 2016

Does Merit-Based Aid Improve College Affordability? Testing The Bennett Hypothesis In The Era Of Merit-Based Aid, Jungmin Lee

Journal of Student Financial Aid

This study tested the Bennett hypothesis by examining whether four-year colleges changed listed tuition and fees, the amount of institutional grants per student, and room and board charges after their states implemented statewide merit-based aid programs. According to the Bennett hypothesis, increases in government financial aid make it easier for colleges to raise their tuition. Because many statewide merit-based aid programs covered full tuition and fees for students enrolled in their state colleges, I hypothesized that colleges in states that implemented merit-based aid programs would raise student charges or reduce institutional aid for more revenue. Using the difference-in-differences method, I …

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Editor's Column, Jacob P.K. Gross Aug 2016

Editor's Column, Jacob P.K. Gross

Journal of Student Financial Aid

none

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Factors That Affect Willingness To Borrow Student Loans Among Community College Students, Kathleen K. Menges, Christoph Leonhard Aug 2016

Factors That Affect Willingness To Borrow Student Loans Among Community College Students, Kathleen K. Menges, Christoph Leonhard

Journal of Student Financial Aid

Research suggests that student loan borrowing has increased at the community college level. This trend is worrisome to many, as research is inconclusive regarding whether loans are positively correlated with achieving a college degree. Many also contend that choosing not to borrow a student loan due to loan aversion can negatively impact a student’s chance of reaping the financial benefits of a college degree. This study surveyed three community colleges in the Midwest to better understand how acculturation, time perspective, and financial literacy impact community college students’ willingness to borrow student loans. Except for financial literacy, none of the variables …

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Book Review: The Real College Debt Crisis: How Student Borrowing Threatens Financial Well-Being And Erodes The American Dream, Ellie M. Bruecker Apr 2016

Book Review: The Real College Debt Crisis: How Student Borrowing Threatens Financial Well-Being And Erodes The American Dream, Ellie M. Bruecker

Journal of Student Financial Aid

Not applicable

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Editor's Column, Jacob P.K. Gross Apr 2016

Editor's Column, Jacob P.K. Gross

Journal of Student Financial Aid

N/A

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How Money Helps Keep Students In College: The Relationship Between Family Finances, Merit-Based Aid, And Retention In Higher Education, Alexandre M. Olbrecht, Christopher Romano, Jeremy Teigen Apr 2016

How Money Helps Keep Students In College: The Relationship Between Family Finances, Merit-Based Aid, And Retention In Higher Education, Alexandre M. Olbrecht, Christopher Romano, Jeremy Teigen

Journal of Student Financial Aid

In this paper, we leverage detailed, individual-level student data to understand the relationships between family finances, merit-based aid, and first-year student retention. With three cohorts of student data that comprise family financial status, institutional merit scholarships, and many of the other known correlates of student retention, we regress sophomore retention of first-time, full-time students on the financial variables with controls. We find that an increase in a family’s ability to contribute to educational costs improves a student’s chances of retention. Additionally, our data show that institutional financial assistance also bolsters the likelihood that students return for their sophomore year.

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Are Student Loan Default Rates Linked To Institutional Capacity?, Terry T. Ishitani, Sean A. Mckitrick Apr 2016

Are Student Loan Default Rates Linked To Institutional Capacity?, Terry T. Ishitani, Sean A. Mckitrick

Journal of Student Financial Aid

As more undergraduates have taken out loans to attend college, the number of borrowers who fail to repay their student loans has increased. While previous research has focused on students’ likelihood to default, this study employed institutional cohort default rates (CDRs) as an outcome variable. Using Integrated Postsecondary Education Data System, this study investigated the association between institutional effectiveness and CDRs. Coupled with multilevel modeling, the study also observed the effects of state-level factors, such as state appropriation and unemployment, on CDRs. The results showed that institutional characteristics—e.g., proportion of minority students, admission test scores, retention rates, and instructional expenses—are …

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Standing In The Intersection : Using Photovoice To Understand The Lived Experience Of Black Gay College Students Attending Predominantly White Postsecondary Institutions., Erica Caton Dec 2015

Standing In The Intersection : Using Photovoice To Understand The Lived Experience Of Black Gay College Students Attending Predominantly White Postsecondary Institutions., Erica Caton

Electronic Theses and Dissertations

The intersection of multiple oppressed identities is characterized by the compounded effects of victimization, intimidation and continued marginalization by dominant culture groups in society. Despite a growing body of knowledge about the individual experiences of racial and sexual minorities, there remains a lack of understanding of the unique life experiences of individuals with intersecting oppressed identities, specifically Black gay youth. Failure or inability to recognize, understand and take action in response to the needs of Black gay youth in college, perpetuates a culture of oppression that compromises the physical and mental well-being, and the academic success of these students. Engaging …

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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 select …

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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.

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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

NA

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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 …

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