Home Home
Annotated Bibliography

Author(s):Wegmann, C., Cunningham, A., and Merisotis, J
Title:Private loans and choice in financing higher education
Short Description:Examines growth in student reliance on private loans to pay for higher priced colleges and programs, and to cover gaps between expected family contributions and actual college costs.
Annotation:This study of the private student loan market examines growth in student reliance on private loans to pay for higher priced colleges and programs, and to cover gaps between expected family contributions and actual college costs. Many students are borrowing the maximum amount under federal student loan programs, in addition to private loans, the study found.
Link: View Full Text

Print Bibliography: HyperLink 

Is this item's link broken? Report Broken Link

Associated Keywords:
Affordability, Tuition and College Costs
Borrowing/Student Debt
College Access
Financial Aid
Private Colleges

Similar Items:
The global state of higher education and the rise of private finance
Do loans increase college access and choice? Examining the introduction of universal student loans
The future of private loans: Who is borrowing and why?
Education Finance Council
Higher education, higher cost and higher debt: Paying for college in the future
Campus-based student financial aid programs under the higher education act
State tuition, fees, and financial assistance policies for public colleges and universities, 2005-06
Helping families finance college: Improved student loan disclosures and counseling
Constrained after college: Student loans and early career occupational choices
Fact book bulletin: Latest data confirms a college affordability gap for students from middle- and lower-income families
Denied: Community college students lack access to affordable loans
2008-09 EFC (Expected Family Contribution) Formula Guide
Trends in student aid 2008
Drowning in debt: The emerging student loan crisis
A research agenda for the study of the effects of borrowing and the prospects of indebtedness on students' college-going choices
Paying for college: The rising cost of higher education
Trends in student aid 2005
Debts and decisions: Student loans and their relationship to graduate school and career choice
Rhetoric and reality: Effects and consequences of the HOPE scholarship
Borrowers who drop out: A neglected aspect of the college student loan trend
How families of low- and middle-income undergraduates pay for college: Full-time dependent students in 1999-2000
2003 Status report on the federal education loan programs
Student financing of graduate and first professional education: 1999-2000
What students pay for college: Changes in net price of college attendance between 1992-93 and 1999-2000
2003-04 National postsecondary student aid study: Undergraduate financial aid estimates for 2003-04 by type of institution
The student aid gauntlet: Making access to college simple and certain
The role of student loans in college access
Reframing the student loan costing debate: The benefits of competition
Global debt patterns: An international comparison of student loan burdens and repayment conditions
Trends in college pricing 2008
Fulfilling the Commitment: Recommendations for Reforming Federal Student Aid
Window of opportunity: Targeting federal grant aid to students with the lowest incomes
Colleges and universities expand efforts to improve access and affordability
Income and financial aid effects on persistence and degree attainment in public colleges
Student loan forgiveness programs
Federal Pell Grant program of the Higher Education Act: Background and reauthorization
Student debt and the class of 2005: Average debt by state, sector, and school
Student debt: Bigger and bigger
Paying back, not giving back: Student debt's negative influence on public service career opportunities
College on credit: How borrowers perceive their education debt
Georgia's HOPE scholarship and minority and low-income students: Program effects and proposed reforms
Balancing acts: How high school counselors view risks and opportunities of student loans
What every college access practitioner should know about: Economic diversity in Indiana and U.S. colleges and universities
Federal Aid First
2007 Status report on the Pell Grant program
The Chafee Educational and Training Voucher (ETV) program: Six states experiences
The effectiveness of student aid policies: What the research tells us
How America pays for college 2009: A national study by Gallup and Sallie Mae
What is the price of college? Total, net, and out of pocket prices in 2007-08
Cultural barriers to incurring debt: An exploration of borrowing and impact on access to postsecondary education
Access and persistence: Winter 2006
ACSFA policy brief: The toolbox and student aid policy
Contending with financial inequality
Project on student debt.org
Do grants matter?
The burden of borrowing: A report on the rising rates of student debt
When saving means losing: Weighing the benefits of college-savings plans
Private scholarships count: Access to higher education and the critical role of the private sector
Student financing of undergraduate education: 1999-2000
Show us the money: Low-income students, families, and financial aid
What colleges contribute: Institutional aid to full-time undergraduates attending four-year colleges and universities
Reorienting the HEA reauthorization to reflect what research-based knowledge says about what works
A deficit of understanding: Confronting the funding crisis in higher education and the threat to low-income and minority access
Preserving access with excellence: Financing for rural community colleges
Global higher education rankings: Affordability and accessibility in comparative perspective
Paying for college: Changes between 1990 and 2000 for full-time dependent undergraduates
Policies in sync: Appropriations, tuition, and financial aid in higher education
Financing higher education
Easy money: How congress could increase federal student aid funding at no additional cost to taxpayers
Student debt levels continue to rise: Stafford indebtedness: 1999 update
Student loan forbearance and its relationship to default
Empty promises: The myth of college access in America
Unequal opportunity: Disparities in college access among the 50 states
Discounting toward disaster: Tuition discounting, college finances, and enrollments of low-income undergraduates
Network news: Focus on finance policy, access, and affordability
The role of finances in the persistence process.: A structural model
Taxing matters
Dealing with debt: 1992-93 bachelor's degree recipients 10 years later
Student financing of undergraduate education 2003-04, with a special analysis of the net price of attendance and federal education tax benefits
Making college affordable: A work-book on financial aid, loans, and scholarships for college-bound students and their families (Spanish version)
Postsecondary Education English Spanish Glossary
Recession, retrenchment, and recovery: State higher education funding and student financial aid
Lumina Foundation focus: Dreams detoured: Rising college costs alter plans and threaten futures
Funding education beyond high school
Financial aid in theory and practice
Promise lost: College-qualified students who don't enroll in college
Strengthening financial aid policies for low-income working adults
Willing and Able, But Not Eligible
Financial aid pledges to reduce student debt (list of colleges and universities reducing or eliminating student loans for low-income families)
The Sallie Mae Fund
Education Finance Council (EFC)'s financial literacy homepage
A college access contract
State grant aid and it's effects on students' college choices
The money manual: A personal finance guide from the Hispanic Scholarship Fund
The debt explosion among college graduates
Generation broke: The growth of debt among young Americans
Consolidation loans: Redesign options and considerations
What every student should know about financial aid
Hidden in plain sight: Adult learners forge a new tradition in higher education
Costs, prices, and affordability
Federal Pell Grants: Implications of increasing the maximum reward
Undergraduate students and credit cards 2004: An analysis of usage rates and trends
Cutting interest rates, lowering student loan debt: An analysis of the congressional proposal to cut student loan interest rates in half
No way out: Student loans, financial distress, and the need for policy reform
Graduating with debt: The biggest threat to young American's financial well-being?
Quick facts about student debt
Breaking through the barriers to college: Empowering low-income communities, schools, and families for college opportunity and student financial aid
Trip to college
Federal Student Aid (FSA)
Realizing the college dream (English and Spanish versions)
Financial aid glossary: Some terms you may enounter on the road
The contributions of economics to the study of college access and success
The credit crunch and student loans: Don't react before getting the facts
Wealth mobility and volatility in black and white
Second to none in attainment, discovery, and innovation: The national agenda for higher education
Condition of education 2008
The challenge to the states: Preserving college access and affordability in a time of crisis
Trends in college pricing 2009
Getting What We Pay For: State Community College Strategies that Low-Income, Lower-Skilled Students
Putting money on the table: Information, financial aid, and access to college
The challenges of financial aid awareness and college access
Early financial aid commitment: Response to Indiana's education roundtable
Net price to family for dependent and independent undergraduate students by institutional type/control and parental income quartiles, 2004
A step toward college success: Assessing attainment among Indiana's Twenty-first Century Scholars
Addressing student loan repayment burdens: Strengths and weaknesses of the current system
Missed opportunities revisited: New information on students who do not apply for financial aid
Federal student loan debt:1993-2004
An exploration of what we know about the formation and impact of perceptions of college prices, student aid, and the affordability of college-going and a prospectus for future research
A test of leadership: Charting the future of U.S. higher education
California trends in student aid: 1994-95 to 2003-04
On the road to college: Developing mobile and regional outreach services
Segal AmeriCorps Education Award
Documenting the shift to merit
Debt burden: Repaying student debt
2003 status report on the Pell grant program
Challenging times, clear choices: An action agenda for college access and success
The policy of choice: Expanding student options in higher education
Affordability of postsecondary education: Equity and adequacy across the 50 states
Workforce contingent financial aid: How states link financial aid to employment
State higher education finance: FY 2003
Public attitudes on higher education
States in the Driver's Seat
2010 Tuition Fees and Financial Aid Report
A closer look at the President's proposal for changes in student assistance
The affordability of university education: A perspective from both sides of the 49th parallel
Equal access to postsecondary education? The case of undocumented immigrant students
Access for all? Debating in-state tuition for undocumented alien students
Held back: How student aid programs fail working adults
Getting ready to pay for college: What students and their parents know about the cost of college tuition and what they are doing to find out
Lumina Foundation focus: Restricted access: The doors to higher education remain closed to many deserving students
Policy for progress: Reaffirming California higher education accessibility, affordability, and accountability into the 21st century
The access challenge: Rethinking the causes of the new inequality
College affordability in jeopardy: The rising price of higher education
College access in Indiana and the United States: A 2005 status report
Losing ground: A national status report on the affordability of American higher education
Just and efficient college finance
Hope works: Student use of education tax credits.
Trends in student aid 2003
College affordability: Overlooked long-term trends and recent 50 state patterns
Promise abandoned: How policy choices and institutional practices restrict college opportunity
State of college admission 2006
Financial access: What it is, what it isn't, and how to educate people about it
Making college affordable: A work-book on financial aid, loans, and scholarships for college-bound students and their families
The impact of advice on price: Evidence from research
NDSFA: Recommendations for improving federal aid delivery
NDSFA: State financial aid and college access
NDSFA: Fundamental assumptions and aims underlying the principles of federal financial aid to students
Changes in patterns of prices and financial aid
State of decline? Gaps in college access and achievement call for renewed commitment to educating Californians
State higher education finance: FY 2004
Indiana dollars for scholars
USA Funds
How Latino students pay for college: Patterns of financial aid in 2003-04
Paying for college: Distinguishing between cost and price
State tuition, fees, and financial assistance policies for public colleges and universities, 2010-11
Stronger department of education oversight needed to help ensure only eligible students receive federal student aid
IDA pays: A missing piece of the access puzzle
From assets to school outcomes: How finances shape children's perceived possibilities and intentions
Rising Tuition and Enrollment in Public Higher Education
Federal access policies and higher education for working adults
Indiana's guide to paying for college
State merit aid programs: Responses by Florida community colleges
Indiana Chafee Education and Training Voucher (ETV) Program
The CollegeKeys Compact: Getting ready, getting in, and getting through college: Expanding options for low-income students
2007 Survey of parents of college-bound freshman
Second to none in attainment, discovery, and innovation: The national agenda for higher education
Counselors and Mentors Handbook on Federal Student Aid: A Guide for Those Helping Students Prepare for Postsecondary Education
Parent expectations and planning for college: Statistical analysis report
How the borrowing process works
Reaching higher with Ivy Tech Community College of Indiana: Focusing on the roll of community colleges
The growing imbalance: Recent trends in U.S. postsecondary education finance
California policy options to accelerate Latino success in higher education
Paying for college: A brief look at student financial aid programs
Financing graduate education: A guide for prospective students
College affordability for students from low and lower-middle income families
Alabama: Featured facts from the SREB Fact Book on higher education
Fifty states of achieving the dream: State policies to enhance access to community colleges across the United States
In-state tuition for undocumented immigrants: States' rights and educational opportunity
Student loans and public accountability
Voces (Voices): A profile of today's Latino college students
Cashing in or cashing out: Tools for measuring the effectiveness and outcomes of financial aid events
Project on student debt: State by state data
Beyond myths: The growth and diversity of Asian American college freshmen: 1971-2005
Promising practices: School to career and postsecondary education for foster care youth
How do financial aid policies affect colleges? The institutional impact of the Georgia HOPE scholarship
California Community Colleges: Making them stronger and more affordable
College grants on a postcard: A proposal for simple and predictable federal student aid
Improving educational opportunties for students who work
Access to college: The role of tuition, financial aid, scholastic preparation and college supply in public college enrollments
AB 540 is a change in the law: Higher education is now more affordable for California's immigrant students
Straight from the source: What works for first-generation college students
Urban school reform: Achievement and school climate outcomes for the Knowledge is Power Program (KIPP)
Going to the source: A practical way to simplify the FAFSA
Policy indicators for higher education WICHE states
Sallie Mae: First in my family scholarship
Making opportunity affordable: Reinvesting in college access and success
Hitting home: Quality, cost, and access challenges confronting higher education today
Trends in student aid 2007
Student debt and the class of 2006
College readiness: Helping all students access and succeed in higher education
Wrestling rising costs with innovation
Student charges and financial aid: 2006-07
Education a Tu Alcance (Spanish Version)
Alfred P. Sloan Foundation graduate scholarship program
Institutional Student Profiles Fall 2006 for the State of Alabama
College access and tax credits
Guide for parents: Ten steps to prepare your child for college
Financial aid FAQ (frequently asked questions)
College planning resource directory
Gates Millennium Scholars Scholarships
Project Complete
In-state tuition for undocumented immigrants
A matter of trust: Ten key insights from recent public opinion research on attitudes about education among Hispanic parents
Association of American Indian Affairs (AAIA)
Project stepping stone: A college preparation program for Hispanic youth
Academic competitiveness grant
Low-income students and college success: More than money
College access and success state data
Helping community college students cope with financial emergencies: Lessons from the Dreamkeepers and Angel Fund financial aid programs
Early and often: Designing a comprehensive system of financial aid information
The impact of increases in Pell Grant awards on college-going among lower income youth: Results from a natural experiment
Apply to Succeed: Ensuring community college students benefit from need-based financial aid
Student debt and the class of 2007
Characteristics of private student loan borrowers who do not use federal education loans
Student aid and university persistence - Does aid matter?
Student Debt and the Class of 2010, November 2011
Student Aid Simplification: Looking Back and Looking Ahead
Opportunity adrift: Our flagship universities are straying from their public mission
Student aid and postsecondary tax preferences: Limited research exists on the effectiveness of tools to assist students and families through Title IV student aid and tax preferences
Foster youth: Funding for college
Early commitment financial aid programs
Course corrections: Experts offer solutions to the college cost crisis
Questions that matter: Setting the research agenda on access and success in postsecondary education
The impact of demographic changes on higher education
The student debt dilemma: Debt aversion as a barrier to college access
Access and persistence: Summer 2005
The NASFAA journal of student financial aid
Lumina Foundation focus
Diversity and persistence in Indiana higher education: The impact of preparation, major choices, and financial aid
Higher education for undocumented students: The case for open admission and in-state tuition rates for students without lawful immigration status
Gender gap grows
Indiana family college savings program
Convergence: Trends threatening to narrow college opportunity in America
Fixing the formula: A new approach to determining independent students' ability to pay for college
Position paper on the reauthorization of higher education act
Trends in college pricing 2006
Do merit scholarships promote college access? Evidence from two states
NDSFA: Getting the most out of federal aid spending -- encouraging colleges and universities to promote the common good
National Center for College Costs
Merit aid and college access
Unintended consequences of tuition discounting
Tuition discounting: Not just a private college practice
Mortgaging our future: How financial barriers to college undercut America's global competitiveness
Trends in college pricing 2003
Access denied: Restoring the nation’s commitment to equal educational opportunity
The school to college transition: Challenges and prospects
Annotated list of Pathways research, papers, reports, and other publications by focus area
Responding to the crisis in college opportunity
Left behind: Unequal opportunity in higher education.
What we know about access and success in postsecondary education: Informing Lumina Foundation's strategic direction
It’s all relative: The role of parents in college financing and enrollment
Changes in Pell grant utilization at Indiana Title IV institutions from 1992 to 2003
Improving lives through higher education: Campus programs and policies for low-income adults
Accounting for state student aid: How state policy and student aid connect
Student aid and tax benefits: Better research and guidance will facilitate comparison of effectiveness and student use
First generation college students: A literature review
Debt burden: A comparison of 1992-93 and 1999-2000 bachelor's degree recipients a year after graduating
Basic facts about in-state tuition for undocumented immigrant students