The fourth Nellie Mae survey of student loan borrowers in repayment reveals that education debt burdens remain manageable for most borrowers. A clear majority of those in repayment report that the benefits of the educational opportunities made possible through borrowing are well worth any problems associated with paying off the loans. There are,…

This survey concludes that, overall, student debt has not caused most borrowers to make lifestyles changes nor regret their educational investment. Discussion analyzes borrower debt levels; payment-to-income and debt-to-income ratios; noneducation debt burden; student perceptions about borrowing and debt; effect of borrowing on decision making;…

Implications for future generations of college loan program changes are examined. The idea of who should pay for college is explored from the perspective of economic theory. It is concluded that new loan programs must be monitored carefully so they do not shift the burden of college payment from parents to students. (MSE)

While saving for college is important, educators should beware of savings programs involving significant funding. The difficulties of middle-class families should not divert attention from the problems of the less advantaged. A variety of savings plans will be needed, and both public and private educational and financial institutions will have a…

Causes of the emerging perception among middle-income students that their educational opportunities are being restricted are discussed, and potential solutions are offered, including controlling college costs, encouraging saving, and borrowing. The role of information and of values and priorities in helping middle-income families pay for college…