The following papers from the National Association of State Scholarship and Grant Programs/National Council of Higher Education Loan Programs conference on student aid are provided: (1) "The Employees Tuition Benefit Programs of the Fortune 1000 Companies: Summary of Survey Results" (Joseph P. O'Neill); (2) "The Interaction of Federal Student Aid and Welfare Policy" (Janet S. Hansen; (3) "Coping with the Costs: How Adults Pay Their College Expenses" (James W. Augustin and Carol Mishler); (4) "The New York State Aid for Part-Time Study Program: A Progress Report"; (5) "The Implications of Redefining Independent Student Status" (W. Lee Hansen, Roxanne W. Reeves, and Jacob O. Stampen); (6) "Parents of Illinois Eighth Graders: A Survey of Their Knowledge about Academic and Financial Planning for Their Child's Education beyond High School" (Rhonda J. Dixon); (7) "Family Contributions toward Higher Education Expenses: Their Amounts, Sources and Impacts" (Micheileen J. Doran, Alan P. Wagner, and Constance White); (8) "Loan Planning Models for State Agencies--What Insurance Fee Is Required to Maintain an Adequate Reserve Fund Balance?" (Paul G. Marble); (9) "Characteristics of GSL Borrowers in Repayment" (Joseph D. Boyd); (10) "The Use of Student Financial Aid to Attract Prospective Teachers: A Survey of State Efforts" (Irene K. Spero); (11) "The Impact of Student Financial Aid on Career Choice" (David M. Arfin); (12) "Some Observations on Loan Debt Burdens" (Jerry S. Davis); and (13) "GSL Default Trends in New Jersey: Comparing Cohort Default Rates" (Lutz Berkner and Linda Gearl). References are provided at the conclusion of individual papers. (KM)