Analyzes data from the National Postsecondary Student Aid Survey concerning the use of need-based versus non-need financial aid awarded by colleges and universities in 1989 and 1995. Provides descriptive and trend analyses of differences in types of aid among varying institutional types, and examines how financial aid awards have changed for…

Examined the influence of student debt load on college persistence using data from the National Postsecondary Aid Survey of 1992-93 and a model of student persistence that includes either total accumulated debt or threshold of accumulated debt. Findings indicated threshold of accumulated debt was a more effective method of examining student debt…

Discussion of the influence of the World Wide Web on student financial aid considers: waves of technology change, direct access to the consumer offered by the Web, business uses of the Web, student demand for on-line services, paradigm shifts in financial aid, and the constancy of change. Concludes that Web technology will significantly alter the…

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;…

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…

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 study investigated motivation to attend an out-of-state school among two student groups at the University of Nebraska at Lincoln, one attending with the assistance of a scholarship designed to recruit out-of-state students, the other matriculating through general admissions. The university's overall program, scholarships received, tuition, and…

Preferential/differential student aid packaging, or reducing the self-help component of an aid package for specific students, is by definition discriminatory. Such student aid packaging is very old, but in recent years there is even more discrimination within need-based aid against the economically weak. A new approach is needed to reduce…

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…