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Author: Susan A. Namalefe Publisher: ISBN: Category : College costs Languages : en Pages : 105
Book Description
Trends in tuition and financial aid policy have increased the number of students who borrow for higher education and the aggregate debt students acquire. Most research on student borrowing over the years has analyzed the effects of borrowing and the prospects of indebtedness on individual students' choices and persistence. However, dynamics at the institutional level such as the need to ensure a stable flow of resources may accelerate or slow down student borrowing. Drawing on resource dependence theory, this study examined changes in student borrowing at private not for profit four year institutions in the US to identify trends and implications. A fixed effects regression analysis was applied to panel data from the Delta Cost project and the National Association of College and University Business Officers. Analytical focus was on the financial and enrollment characteristics of private not for profit four-year institutions, the relationship between these characteristics and student borrowing, and whether these relationships are stable or change over time. Findings revealed that the financial and enrollment characteristics of private not for profit institutions during the study period were characterized by gradual variation. The results also revealed that most of the financial characteristics were predictive of student borrowing and that these relationships vary with time. Evidence from this study cautions higher education policy makers that high tuition dependence and the attendant student loan burden may disadvantage some students. Policy makers concerned about providing equitable access to higher education to all student subpopulations should try to moderate competition among institutions and tuition rises that intensify student borrowing. Institutional practices such as tuition maximization and selective price discrimination must be moderated so that financial aid, including loans, can realize the objective of encouraging fairness and choice in higher education entry.
Author: Susan A. Namalefe Publisher: ISBN: Category : College costs Languages : en Pages : 105
Book Description
Trends in tuition and financial aid policy have increased the number of students who borrow for higher education and the aggregate debt students acquire. Most research on student borrowing over the years has analyzed the effects of borrowing and the prospects of indebtedness on individual students' choices and persistence. However, dynamics at the institutional level such as the need to ensure a stable flow of resources may accelerate or slow down student borrowing. Drawing on resource dependence theory, this study examined changes in student borrowing at private not for profit four year institutions in the US to identify trends and implications. A fixed effects regression analysis was applied to panel data from the Delta Cost project and the National Association of College and University Business Officers. Analytical focus was on the financial and enrollment characteristics of private not for profit four-year institutions, the relationship between these characteristics and student borrowing, and whether these relationships are stable or change over time. Findings revealed that the financial and enrollment characteristics of private not for profit institutions during the study period were characterized by gradual variation. The results also revealed that most of the financial characteristics were predictive of student borrowing and that these relationships vary with time. Evidence from this study cautions higher education policy makers that high tuition dependence and the attendant student loan burden may disadvantage some students. Policy makers concerned about providing equitable access to higher education to all student subpopulations should try to moderate competition among institutions and tuition rises that intensify student borrowing. Institutional practices such as tuition maximization and selective price discrimination must be moderated so that financial aid, including loans, can realize the objective of encouraging fairness and choice in higher education entry.
Author: Publisher: ISBN: Category : Education Languages : en Pages : 386
Book Description
Includes a section called Program and plans which describes the Center's activities for the current fiscal year and the projected activities for the succeeding fiscal year.
Author: Martina Vukasović Publisher: Springer Science & Business Media ISBN: 9462090165 Category : Education Languages : en Pages : 306
Book Description
Higher education is in transition. On the one hand, over the last decades it has become politically and economically more important and thus also an object of reforms. On the other hand, higher education has become less special and is no longer able to justify its unique governance arrangements. This volume presents a collection of contributions that go beyond reform agendas as such and focus on the effects of reforms at all relevant levels in higher education systems. It is organised in four themes – education, research, governance, and academic profession – with a variety of levels of analysis, theoretical perspectives, methodological approaches and geographical foci. The topics in focus include the possible impact of latest national and European initiatives, changes in the primary processes (education and research) on the levels of institutions, professions and for individuals as well as higher education dynamics in contexts often overlooked in the literature (e.g. Africa). The aim is to ‘take stock’ of the growing knowledge basis with respect to higher education with a special focus on the influence of reforms on the key aspects of higher education.
Author: Brad Hershbein Publisher: W.E. Upjohn Institute ISBN: 0880994843 Category : Study Aids Languages : en Pages : 484
Book Description
The papers included in this volume represent the most current research and knowledge available about student loans and repayment. It serves as a valuable reference for researchers and policymakers who seek a deeper understanding of how, why, and which students borrow for their postsecondary education; how this borrowing may affect later decisions; and what measures can help borrowers repay their loans successfully.
Author: Nicholas Hartlep Publisher: Taylor & Francis ISBN: 1317272013 Category : Education Languages : en Pages : 319
Book Description
Capturing the voices of Americans living with student debt in the United States, this collection critiques the neoliberal interest-driven, debt-based system of U.S. higher education and offers alternatives to neoliberal capitalism and the corporatized university. Grounded in an understanding of the historical and political economic context, this book offers auto-ethnographic experiences of living in debt, and analyzes alternatives to the current system. Chapter authors address real questions such as, Do collegians overestimate the economic value of going to college? and How does the monetary system that student loans are part of operate? Pinpointing how developments in the political economy are accountable for students’ university experiences, this book provides an authoritative contribution to research in the fields of educational foundations and higher education policy and finance.
Author: Kata Orosz Publisher: ISBN: Category : Languages : en Pages : 394
Book Description
Insights from theory and prior research suggest that student background characteristics, student financial resources, student college experiences, institutional characteristics and state characteristics are related to student loan use and amount borrowed. It is not clear to what extent student financial resources and college experiences may explain who borrows and how much, net of differences in student background characteristics and characteristics of the institutions and states where the students attended college. In this study I use data from the cross-sectional, nationally representative National Postsecondary Student Aid Study (NPSAS:12) to identify predictors of student loan use and amount borrowed among undergraduate students enrolled in bachelor’s degree programs at four-year public, private nonprofit and for-profit institutions in the U.S. I use descriptive statistics and zero-inflated negative binomial regression analyses to identify the proportion of students who borrowed; average amount of student loans borrowed; predictors of student loan use; predictors of how much is borrowed; and how predictors of student loan use and amount borrowed vary by institutional control. I find that student, institutional and state characteristics are significantly related to the odds of participation in borrowing. The role of student financial resources and college experiences is small and the role of institutional and state characteristics is modest at best in explaining how much participating students borrow. Findings from this study expand scholarly knowledge about patterns and predictors of borrowing among undergraduates at public, private nonprofit and for-profit four-year institutions, and suggest that federal, state, and institutional policies in the U.S. may be most effective in decreasing student loan debt if they are designed to decrease the odds that students will participate in borrowing.
Author: Susan A. Namalefe
Author: Susan A. Namalefe
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Author: Donald Conner
Author: Martina Vukasović
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Author: 
Author: Brad Hershbein
Author: Nabeel Alsalam
Author: Nicholas Hartlep
Author: Kata Orosz