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Festa, Mackenzie M.; Knotts, Kevin G. – Journal of Financial Counseling and Planning, 2021
Self-leadership examines how individuals can motivate themselves through behavior focused strategies, constructive thought patterns, and natural reward strategies. This study examined the potential influence of self-leadership on financial self-efficacy, credit card debt, and student loan debt among college students. Data were collected from a…
Descriptors: Money Management, Self Efficacy, Debt (Financial), Student Financial Aid
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Lee, Jason C.; Ciarimboli, Erin B.; Rubin, Paul G.; González Canché, Manuel S. – Journal of Higher Education, 2020
Much of the student loan literature focuses on institutional, individual, and family-level characteristics associated with indebtedness, default, and other undesirable post-graduation outcomes; however, relatively little research examines the role that federal policy has played in student borrowing. This study addresses this gap by analyzing the…
Descriptors: Student Financial Aid, Family Characteristics, Student Characteristics, Outcomes of Education
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Zhu, Qiong; Choi, Junghee; Meng, Yi – Research in Higher Education, 2021
To improve college access for low-income students, an increasing number of public colleges and universities have implemented no-loan policies, where student loans are replaced with institutional grant aid that does not require repayment. Using detailed income measures provided by Mobility Report Card data, this study examines the effect of no-loan…
Descriptors: Undergraduate Students, Low Income Students, Access to Education, Paying for College
Project on Student Debt, 2019
U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. This chart summarizes the interest rates, loan limits, and…
Descriptors: Federal Legislation, Student Loan Programs, Federal Aid, Credit (Finance)
McDaniel, Nicole – ProQuest LLC, 2022
Obtaining a college degree creates a pathway for low-income students and their families toward advancement within American society. Earning a postsecondary credential positively impacts an individual's employment outcomes, income, job satisfaction, and overall health. In working toward this goal, older, financially independent working…
Descriptors: Nontraditional Students, Low Income Students, Student Financial Aid, Comprehension
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Mateos-González, José Luis; Wakeling, Paul – Oxford Review of Education, 2020
Higher education researchers have paid little attention to postgraduate participation. This issue has become more prominent in England following the introduction of high undergraduate fees. Many predicted that master's participation would decline consequently, strengthening known inequalities in access by socio-economic background at master's…
Descriptors: Foreign Countries, Graduate Students, Masters Degrees, Student Loan Programs
Council of Independent Colleges, 2022
With student loan debt reaching approximately $1.6 trillion, many are concerned that student loans may be the next financial bubble to burst. CARES Act funding and U.S. Department of Education actions led to historically low levels of delinquency in 2020-2021. However, there is concern that issues will balloon as soon as governmental action and…
Descriptors: Debt (Financial), Student Loan Programs, Paying for College, Loan Default
Karamcheva, Nadia; Perry, Jeffrey; Yannelis, Constantine – Congressional Budget Office, 2020
Between 1965 and 2010, most federal student loans were issued by private lending institutions and guaranteed by the government, and most student loan borrowers made fixed monthly payments over a set period--typically 10 years. Since 2010, however, all federal student loans have been issued directly by the federal government, and borrowers have…
Descriptors: Income, Loan Repayment, Student Loan Programs, Federal Aid
Smole, David P. – Congressional Research Service, 2019
The William D. Ford Federal Direct Loan (Direct Loan) program makes several types of federal student loans available to individuals to assist them with financing postsecondary education expenses. This report presents a comprehensive overview of the terms and conditions that apply to federal student loans made through the Direct Loan program. It…
Descriptors: Higher Education, Student Loan Programs, Student Financial Aid, Federal Regulation
Pew Charitable Trusts, 2021
More than a million federal student loan borrowers default each year, and the U.S. Department of Education reports that as of June 2020, roughly 1 in 5 borrowers with federal student loans was in default. Since that time, the coronavirus pandemic and related economic downturn have continued to take a significant toll on households and businesses…
Descriptors: Student Loan Programs, Debt (Financial), Loan Default, Federal Aid
Burk, David; Perry, Jeffrey – Congressional Budget Office, 2020
The volume and number of federal student loans, which provide financing to make higher education more accessible, have grown over the past few decades. In 2017, the most recent year for which detailed information was available, $96 billion in new federal student loans was disbursed to 8.6 million students, compared with $36 billion (in 2017…
Descriptors: Federal Aid, Student Loan Programs, Federal Programs, Loan Repayment
Black, Sandra E.; Denning, Jeffrey T.; Dettling, Lisa J.; Goodman, Sarena; Turner, Lesley J. – National Bureau of Economic Research, 2020
Growing reliance on student loans and repayment difficulties have raised concerns of a student debt crisis in the United States. However, little is known about the effects of student borrowing on human capital and long-run financial well-being. We use variation induced by recent expansions in federal loan limits, together with administrative…
Descriptors: Student Loan Programs, Loan Repayment, Debt (Financial), Human Capital
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Lee, Jei Young – Journal of Financial Counseling and Planning, 2020
Using data from Lending Club, we analyzed funded loans between 2012 and 2013, the default status of which were mostly known in 2018. Our results showed that both the borrower characteristics and the conditions of the loan were significantly associated with the loan default rate. Results also showed that the sentiment of a user-written loan…
Descriptors: Money Management, Loan Default, Loan Repayment, Correlation
Delisle, Jason D.; Cooper, Preston – American Enterprise Institute, 2021
Nearly all borrowers with federal student loans are currently eligible for an income-driven repayment (IDR) plan that allows them to cap monthly payments at 10 percent of their discretionary income. IDR plans also include a loan forgiveness benefit whereby remaining balances are canceled after a set period of making payments in IDR, typically 20…
Descriptors: Income, Loan Repayment, Student Loan Programs, Federal Aid
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Snipes, Jason; Tran, Loan – Regional Educational Laboratory West, 2016
Previous research strongly suggests that beliefs regarding the nature of ability and the payoff to effort (academic mindsets) and the related actions (academic behaviors) play an important role in supporting student success. Not much is known about the distribution of these beliefs among teachers and students in different academic contexts. This…
Descriptors: Dropout Prevention, Student Behavior, Student Attitudes, Beliefs
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