Increasingly, states are restricting tuition growth through political pressure and statewide governing and coordinating boards. During the 1990s, California, Virginia, and New York all cut or restrained tuition, and recently Michigan, Florida, Illinois, and New Jersey have restricted tuition growth either through legislation or intense…

This article focuses on the Web-based resources available to low-income students as they build their perceptions, make their decisions, and engage in financial aid activities. Data are gathered from the results of six focus groups with low-income high school students attending urban high schools. Findings suggest that low-income students do have…

Rapid tuition increases over the last few decades have made public institutions much less affordable than they once were. This and other policy changes may be affecting college enrollment rates across the country. This article examines how student preparation and college supply interact with the usual factors of tuition, financial aid, and family…

This article describes what is known from prior research about the impact of student financial aid program design, operations, and marketing on the formation of family (including parents' and children's) college-going aspirations, expectations, and plans, and the resulting college-going behaviors of potential students. The review focuses on the…

This article describes some of the special financial aid needs of students with disabilities and the policy implications of those needs. It focuses on the financial burdens of having a disability, the time demands faced by those with disabilities, the multiple and complex sources from which students with disabilities derive support, and the…

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…

Professors John M. Barron and Michael E. Staten's article in Vol. 34, No. 3 of this journal, "Usage of Credit Cards Received through College Student-Marketing Programs," purports to "provide benchmark measures of college student credit card usage." Based on empirical analyses of proprietary industry data, they conclude that "There is no…

According to the authors, the comments offered by Robert Manning and Ray Kirshak in this issue of the "Journal of Student Financial Aid" (pp. 39-48) are designed to leave the reader with the impression that their paper "Usage of Credit Cards Received through College Student-Marketing Programs" ("Journal of Student Financial Aid," 2004) was nothing…

Although rising student debt levels are frequently studied, very little attention has been paid to the lack of student financial literacy and its negative effects. The absence of financial management skills and accompanying low credit scores can increase debt, cause inadvertent defaults, and be harmful for both students and their institutions. For…

During spring 2001, Noel-Levitz created a student loan default model for the University of Texas at Austin (UT Austin). The goal of this project was to identify students most likely to default, to identify as risk elements those characteristics that contributed to student loan default, and to use these risk elements to plan and implement targeted,…

This research examined the high school transcripts of honors scholarship recipients to identify a better criterion for awarding scholarships than high school grade point average (GPA) alone. Specifically, this study compared the honors scholarship retention rate when the scholarship was awarded based on completed advanced high school math classes…

This study examines how institutional expenditures and grants (student financial aid) relate to retention and graduation. It looks at this relationship over a 10-year period and examines differences between institutions with low- and high-admissions selectivity standards. In general, expenditures for institutional grants positively contributed to…

The Millennium Scholarship Program, which provides merit-based scholarships for Nevada's students, is designed to increase college participation, college persistence, and the number of in-state students enrolling in state institutions of higher education (IHEs). Data gathered over the past five years reflect that Nevada's Millennium Scholarship…

This study examined the use of education tax credits at four community colleges using data from the Federal Quality Assurance Program in 1998, the first year of the HOPE Scholarship and Lifetime Learning Tax Credit (LLTC). Preliminary estimates indicated that the two tax credits were expected to primarily benefit middle-income tax filers with…

This study examined the employment activity of master's graduates and the student debt they carry into the workplace over the early years following graduation. State unemployment insurance records were merged with student data files to determine the relationship between academic achievement, financial success, and debt burden of these graduates.…