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Introduction: Reauthorization: An Opportunity for Substantive Change in How Students Pay for College

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What matters in student loan default: a review of the research literature

Journal ArticleFederal higher education policy has shifted over the past few decades from grants to loans as the primary means for providing access to postsecondary education for low and moderate-income families. With this shift, policy makers have begun tracking student loan default rates as a key indicator of the efficacy of student loan programs. This effort requires a closer examination of how to define default and what default signifies: What is an acceptable rate of default? What factors contribute to default? Should default rates be used as indicators of institutional quality or loan program efficacy. These questions lead to further investigation of factors influencing default, such as whether default is a function of the characteristics of students or of the institutions they attend, and whether the types of loans borrowed influence the probabilities of default. To help answer these and related questions, this study reviewed the literature of research on student loan default conducted between 1978 and 2007, and identified 41 of the higher quality studies, the findings of which are summarized here

Preparing for HEA Reauthorization: Recommendations for Practitioners

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

College Choice and Enrollment among Youth Formerly in Foster Care

Despite being among the most disadvantaged groups with respect to college access and success in the United States, youth formerly in foster care (YFFC) remain an understudied population in higher education research. Although they aspire to college at high levels, youth in foster care enjoy less postsecondary access and success than their peers who have not experienced foster care. This study seeks to better understand how YFFC compare to their peers regarding college preparation, choice, enrollment, and financing; academic self-concept and degree aspirations; and concerns about paying for college. Using Perna\u27s (2008) college choice model and data from the 2016 The Freshman Survey (TFS), we conduct bivariate comparisons and regression analysis to compare college readiness and enrollment between YFFC and non-YFFC who are first-time, full-time freshmen. We report the results of our findings and discuss how these contribute to existing research and apply to the financial and educational needs and strengths of YFFC

Money Matters: Factors Associated with Receipt of Financial Aid Among Youth Who have Experienced Foster Care

Despite high aspirations, youth formerly in foster care may face significant barriers (e.g., academic preparedness, adult mentoring) to obtaining a postsecondary credential. Better understanding the relationship between affordability and postsecondary access for youth formerly in foster care (YFFC) merits attention from researchers because finances often present a barrier to success for this population of students. This exploratory study asks the question: What factors influenced whether YFFC received financial aid and do those factors change over time? Using event history analysis and national longitudinal on foster care and youth outcomes, we explore what factors impact whether a YFFC receives financial aid

Mobile Working Students: A Delicate Balance of College, Family, and Work

Increasingly, education policymakers are turning attention to the access and persistence of the new college majority,-a group that may be described as mobile working students (Ewell, Schild, & Paulson, 2003). Traditionally, much research on college students has focused on students who graduate from high school and move on to attend a four-year college on a full-time basis, graduating in four to six years. However, as Adelman (2006) and others show, even among traditional-age college students this pattern of linear enrollment is less and less common. Thus, as Kasworm (chapter 2) also argues, metaphors such as the education pipeline no longer fit. Instead, students are more accurately represented as moving along pathways or even swirling toward postsecondary success. The experience of the mobile working student as conceived in this chapter encompasses multiple aspects of mobility and the varied, nonlinear, and evolving patterns of college going increasingly characteristic of students nationwide. One aspect of mobility in this complex and emerging picture centers on students\u27 experiences at commuter institutions, moving onto and off of campuses. In addition, students enroll in multiple institutions, moving between them. Finally, because they move into and out of institutions as well, the concomitant issues of attrition, stop-out, and degree attainment are also important to this project.https://ecommons.udayton.edu/books/1048/thumbnail.jp