Information on GSL defaults in five states is reviewed: California, Illinois, Massachusetts, New Jersey, and Pennsylvania. Default rates are defined and levels of default are examined using a variety of analytical methods. (Author/MLW)

Creative ideas recently emerging to help families cope with rising educational costs are reviewed, including state and federal level savings plans, alternative loan programs, guaranteed access plans, and public service proposals. (Author/MSE)

A study that examined information on who receives aid from the major federal assistance programs authorized under Title IV of the Higher Education Act is presented. The report is organized by program--Pell Grants, campus-based aid, and Guaranteed Student Loans. (MLW)