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Showing 1 to 15 of 139 results Save | Export
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Kim, Jeongeun; Wiederspan, Mark – Research in Higher Education, 2021
In 2010, South Korea introduced a new student loan program that was income contingent (ICL). One of the main expected outcomes of the new loan program was to provide credit-constrained students the ability to focus on their college education rather than having to work while enrolled. To this end, this study investigates the effect of ICL on…
Descriptors: Foreign Countries, Income Contingent Loans, College Students, College Attendance
Akers, Beth – American Enterprise Institute, 2020
The higher education narrative has been dominated by the student loan crisis as of late. While the magnitude of this problem is often oversold, borrowers do sometimes need help. However, debt forgiveness plans, such as those proposed by Sens. Bernie Sanders (I-VT) and Elizabeth Warren (D-MA), deliver the biggest benefits to those who need it…
Descriptors: Federal Programs, Student Loan Programs, Educational Change, Loan Repayment
Institute for College Access & Success, 2020
This brief illustrates that while many borrowers in IDR [income-driven repayment] will repay their loans in full, those who do receive a discharge of remaining debt after 20 or 25 years of responsible payments may face an unaffordable tax liability because these discharged amounts are treated as taxable income under current law.
Descriptors: Taxes, Income Contingent Loans, Loan Repayment, Student Loan Programs
Pew Charitable Trusts, 2020
In a 2019 poll conducted by the opinion and market research company SSRS for The Pew Charitable Trusts, 7 in 10 Americans said that taking out a student loan is a reasonable choice given the benefits of a college degree, but 89 percent also expressed concern about people's ability to repay those debts. Research has provided insight into the…
Descriptors: College Students, Paying for College, Student Financial Aid, Loan Repayment
Mustaffa, Jalil B.; Davis, Jonathan C. W. – Education Trust, 2021
Student debt has been a crisis for years, and the pandemic has only exacerbated matters for many borrowers. This is especially true for Black borrowers, who are among those most negatively affected by student loans -- due, in large part, to systemic racism, the inequitable distribution of wealth in this country, a stratified labor market, and…
Descriptors: Student Loan Programs, African American Students, Debt (Financial), Racial Discrimination
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Fellows, Caillan John; Dollery, Brian – International Journal of Educational Management, 2020
Purpose: In an effort to boost participation in vocational education and training (VET), in 2009, the Australian Government launched its VET FEE-HELP income-contingent loan programme for VET students. The programme was terminated in 2016 following numerous failed attempts to arrest its escalating costs and improve its performance. In an effort to…
Descriptors: Foreign Countries, Vocational Education, Higher Education, Student Loan Programs
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Conzelmann, Johnathan G.; Lacy, T. Austin; Smith, Nichole D. – Education Finance and Policy, 2019
Students increasingly borrow money to attend postsecondary education. Yet, little attention in the literature has been paid to the repayment of student loans, aside from failure indicators like default. This study examines a nationally representative sample of bachelor's degree recipients and the time it takes to reach different repayment…
Descriptors: Loan Repayment, Student Loan Programs, College Graduates, Federal Aid
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Elmira, Elza; Suryadarma, Daniel – Higher Education: The International Journal of Higher Education Research, 2020
This paper examines the feasibility of an income-contingent loan system to finance tertiary education in Indonesia. Using graduates' income data from the 2015 National Labor Force Survey, we modeled the life-cycle income distribution of university graduates using unconditional quantile regression. We used these estimates to simulate different…
Descriptors: Foreign Countries, Income Contingent Loans, Loan Repayment, College Graduates
Price, Richard – Clayton Christensen Institute for Disruptive Innovation, 2019
With one million defaults on student loans every year, and $1.6 trillion in outstanding student debt, it's clear the US is in desperate need of innovative funding models in higher education. Income Share Agreements, or ISAs, stand to provide a promising alternative to high-risk student loans, as they better align the interests of students,…
Descriptors: College Students, Student Financial Aid, Income Contingent Loans, Student Loan Programs
Usher, Alex; Burroughs, Robert – Higher Education Policy Institute, 2018
This Higher Education Policy Institute (HEPI) report focuses on international higher education financing, discussing the concept of 'targeted free tuition' -- the idea that, while tuition fees backed by income-contingent loans can improve access, they still do not do enough to help people from the very poorest households, who are typically the…
Descriptors: Foreign Countries, Tuition, Undergraduate Students, Public Colleges
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Salmon, Jack – Journal of School Choice, 2020
Student loan debt in the United States is $1.6 trillion and rising. The public debate concerning the human capital value vs. the social capital value of higher education has been shifting toward the former and away from the latter standpoint in recent years. I observe how the current system of Federal student loans is proving inadequate for a…
Descriptors: Paying for College, Student Loan Programs, Federal Aid, Income Contingent Loans
Akers, Beth – Manhattan Institute for Policy Research, 2019
Today, costs loom large in public discussions about the problems in higher education. That's no wonder. Tuition at four-year private colleges has grown at an average annual rate of 2.3% above inflation over the past 10 years. Four-year public and two-year institutions have seen similar trends, with tuition growing at an annual rate of 3.1% and…
Descriptors: College Students, Paying for College, Tuition, Risk
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Delaney, Jennifer A.; Bell, Elizabeth; Soler, Maria Claudia – Journal of Education Finance, 2019
With more than 38% of all 2015-16 undergraduates taking out student loans, total student loan debt of over $1.3 trillion, and a projected cumulative student loan default rate of nearly 40 percent by 2023, Income Share Agreements (ISAs) have gained traction, emerging as an alternative financial aid mechanism. This study utilizes nationally…
Descriptors: Income Contingent Loans, Public Opinion, Paying for College, Higher Education
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Clark, Tom; Hordósy, Rita; Vickers, Dan – Journal of Further and Higher Education, 2019
This article critically examines how undergraduate students in a red brick university in the North of England have experienced the threefold rise in tuition fees since 2012, with particular attention on how they have begun to understand and negotiate the process of indebtedness. Drawing on a corpus of 118 interviews conducted with a group of 40…
Descriptors: Student Experience, Debt (Financial), Income Contingent Loans, Loan Repayment
Cheng, Diane; Thompson, Jessica – Institute for College Access & Success, 2017
College has never been so necessary or so expensive for Americans. Rising costs, state disinvestment, declining household incomes, and grant aid that has not kept pace lead more students to borrow, and borrow more, to go to school. While federal student loans are the safest option for students who need to borrow, rising student loan debt has…
Descriptors: Student Loan Programs, Federal Aid, Federal Programs, Loan Repayment
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