Using institutional data, this paper presents a model to enable researchers and enrollment managers to assess the effectiveness of financial aid packaging policies in light of student characteristics and institutional market position. The model uses discriminant analysis and a series of hypothetical financial aid award scenarios to predict the…

Reviews issues surrounding college tuition discounting, and outlines sources of confusion, defines various discount types, provides historical background prior to recent changes in fund accounting rules, describes the new rules' impact, outlines different uses of tuition discounting by three groups, and applies the accumulated definitions to an…

A study of the effects of tuition discounting practices on European-American and African-American college students (n=42,793) found that differences in student price response to tuition helps explain differences in persistence rates in the two groups. African Americans were found to be substantially more responsive to tuition than were European…

With women undergraduates now outnumbering men, there are now more women than men borrowing for college. A study used three national data sets to examine differences in borrowing between male and female undergraduates. While some differences both in borrowing patterns and behaviors were found, men and women were found to be borrowing similar…

A survey of 19 diverse two- and four-year colleges in Ohio investigated the availability and use of online applications for college admission, parent and student awareness of and planning for financial aid, the perceived value and cost-effectiveness of online aid applications, and public-policy implications relating to the use of technology for…

Discussion of the need for the Perkins Loan Program examines recent trends in borrowing under this and the Stafford Loan Program, comparing demographic characteristics, income levels, educational costs, and financial-need levels of loan recipients. It is concluded that the Perkins program continues to play a vital role in providing need-based aid…

A study investigated the variables associated with high school students' sensitivity to tuition in the college-choice process, interaction of tuition and student aid, relationship of family and student characteristics to this sensitivity, and the roles of student perceptions and student institutional connections in price sensitivity. Subjects were…

Examines the total direct and indirect effects of receiving financial aid on persistence to degree using a subsample of 1989 freshmen from the Beginning Postsecondary Student Survey. Analysis shows that although simply receiving financial aid is unrelated to persistence, the effects of financial aid on persistence appear to depend on type and…

A study of graduate and professional student within-year persistence, based on the 1993 National Postsecondary Student Aid Study, compared three models of the impact of financial aid on persistence. It was found that financial aid significantly and positively influenced within-year persistence, with comprehensive aid packages having the greatest…

A study investigated the effects of changes in institutional aid strategies on student persistence, exploring the implications of increased reliance on loans at a private university. Increases in grants and loans appeared to improve student persistence. However, students' increased loan burden should be considered. The study also suggests that new…

A study examined the extent to which receipt of financial aid influences the price level of the college or university attended, after controlling for academic ability, educational aspiration, socioeconomic status, distance from home, gender, and race. Data were drawn from a follow-up to the Beginning Postsecondary Student Survey of 1989-90…

A New York University study compared effects of the Direct Student Loan and Federal Family Education Loan programs on students, families, and campus administrators and of the programs' best practices. Some administrative challenges with dual program participation were found. Reactions to the programs were largely similar and positive, but…

A study investigated the implementation costs of direct lending in 77 diverse colleges and universities, including both increases and decreases in institutional expenditures. Results indicate that start-up costs varied greatly, that the institution's loan volume was related to the cost and savings experienced, and that costs and savings were…

Analysis of the income-contingent repayment mechanism of the federal direct lending program suggests that it will be considerably more expensive than other repayment options in total interest costs for many; lead to hefty tax liabilities for some; be administratively cumbersome, vulnerable to fraud and abuse, and costly to taxpayers; and invite…

Four ways to calculate students' net cost of attending college are presented, and merits and drawbacks of each are discussed. Results suggest college remains affordable for most students, and that students have ways to further reduce their net cost. Results also suggest that financial aid programs have had some success in providing access to…