Study investigated academic, social, attitudinal, and behavioral influences on student borrowing, using a sample from a national longitudinal study, with attention to labor market data, in predicting student borrowing behavior. Results show substantial differences between dependent and independent students in attitudes toward loans and debt…

A review of the history of regulation in federal student financial aid programs indicates dramatic change and growth in the last three decades. Regulations of particular importance to aid administrators are highlighted, and two conclusions about recurring concern for the deservedness of aid recipients are drawn. (Author/MSE)

A reanalysis of American College Testing Program data found systematic relationships between student ability, family income, and college choice set characteristics for a general college-bound sample (n=6930) but not for students (n=254) who had applied for financial aid. Implications are drawn for using financial aid to increase student choice of…

A study of 180 defaulters and 907 nondefaulters on federal loans at a private 2-year college found that withdrawal from college, gender, race, age, high school rank, and college grades were significantly correlated with default status. Division choice, borrowing characteristics, and reasons for leaving college did not correlate with default…

Analysis of the family contributions of 2,544 dependent first-time college students at 396 institutions revealed that, although many parents contribute more than anticipated, many inequities among income groups persist, regardless of college cost level. Policy alternatives to reduce inequities are discussed. (Author/MSE)