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Student Financing of Higher Education
The financing of higher education is undergoing great change in many countries around the world. In recent years many countries are moving from a system where the costs of funding higher education are shouldered primarily by taxpayers, through government subsidies, to one where students pay a larger share of the costs. There are a number of factors driving these trends, including:
A push for massification of higher education, in the recognition that additional revenue streams are required above and beyond those funds available from governments in order to achieve higher participation rates
Macroeconomic factors, which lead to constraints on overall government revenues
Political factors, which manifest in demands for funding of over services, thus restricting the funding available for higher (tertiary) education
A concern that the returns to higher education accrue primarily to the individual, rather than to society, and thus students should bear more of the burden of paying for it
This volume will help to contribute to an understanding of how these trends occur in various countries and regions around the world, and the impact they have on higher education institutions, students, and society as a whole. With contributions for the UK, USA, South Africa and China this vital new book gives a truly global picture of the rapidly changing situation
eBook
Financial Aid Policy: Lessons from Research
In the nearly fifty years since the adoption of the Higher Education Act of 1965, financial aid programs have grown in scale, expanded in scope, and multiplied in form. As a result, financial aid has become the norm among college enrollees. Aid now flows not only to traditional college students but also to part-time students, older students, and students who never graduated from high school. Today aid is available not only to low-income students but also to middle- and even high-income families, in the form of grants, subsidized loans, and tax credits. The increasing size and complexity of the nation's student aid system has generated questions about effectiveness, heightened confusion among students and parents, and raised concerns about how program rules may interact. In this article, Susan Dynarski and Judith Scott-Clayton review what is known, and just as important, what is not known, about how well various student aid programs work. The evidence, the authors write, clearly shows that lowering costs can improve college access and completion. But this general rule is not without exception. First, they note, the complexity of program eligibility and delivery appears to moderate the impact of aid on college enrollment and persistence after enrollment. Second, for students who have already decided to enroll, grants that tie financial aid to academic achievement appear to boost college outcomes such as persistence more than do grants with no strings attached. Third, compared with grant aid, relatively little rigorous research has been conducted on the effectiveness of student loans. The paucity of evidence on student loans is particularly problematic both because they represent a large share of student aid overall and because their low cost (relative to grant aid) makes them an attractive option for policy makers. Future research is likely to focus on several issues: the importance of program design and delivery, whether there are unanticipated interactions between programs, and to what extent program effects vary across different types of students. The results of this evidence will be critical, the authors say, as politicians look for ways to control spending.
Journal Article
The other college guide : a roadmap to the right school for you
\"A college degree has never been more important-or more expensive. If you're not made of money, where can you get an amazing liberal arts education without your parents having to remortgage the house or cash in their retirement fund? Which degrees will allow you to fulfill your dreams and earn a decent paycheck? What do you really need to know if you're the first in your family to go to college? How do you find good schools that offer a well-rounded campus life for black or Latino students? From the staff of Washington Monthly comes a new kind of college guide, inspired by and including the magazine's signature alternative college rankings. The Other College Guide features smartly designed, engaging chapters on finding the best-fit schools and the real deal about money, loans, and preparing for the world of work. This essential higher ed handbook also highlights information on what to look for (and watch out for) in online programs and for-profit colleges and concludes with fifty profiles of remarkable but frequently overlooked schools. All things being unequal, The Other College Guide will provide American students-and their families and school counselors-with the honest and practical information they need to make sense of the college process and carve a path to the future they imagine. \"-- Provided by publisher.
Book
Quality in student financial aid programs : a new approach
This report of the Panel on Quality Improvement in Student Financial Aid Programs examines the quality control of federal student financial aid programs covered by Title IV of the Higher Education Act of 1965 and offers recommendations calling for sweeping revisions of the present system. The report explores: (1) the quality control practices employed by the Department of Education to measure the accuracy of eligibility of students for awards; and (2) the methods used by program managers, based on this information, to reduce errors. Part 1 describes the new philosophy of continuous improvement as well as Title IV student financial aid programs and the system for distributing the awards. Part 2 discusses the outcome of Department of Education activities to control, improve, and monitor the \"quality of the award\" in the current system. Among the topics addressed are the methodological and statistical integrity of current quality control studies, including the accuracy of estimates of national error rates; a review of the application forms and their instructions; and the potential for risk-based management of audit and review processes. Part 3 looks at the larger picture and recommends changes in the system that should more efficiently reduce the recurring problems identified in Part 2. Appendices include six papers addressing various aspects of student financial aid reform. (Contains over 60 references.) (GLR)
eBook
The determinants of student loan take-up in England
Recent changes in higher education financing policies in England have led to more students funding their studies via two types of student loan-for tuition fees and/or for maintenance. Moreover, the average amount borrowed has been increasing. Yet not all students take out loans, and understanding the determinants of take-up is important, not least because those who can manage to study without borrowing enjoy significant advantages both during and after their studies. Using Next Steps, a unique dataset with data on both types of loan and rich information on students' backgrounds and their attitudes to debt, we analyse loan take-up by type of loan. We estimate the strength of the association of loan take-up with each of students' family income, indicators of family wealth (home ownership, private education, not living in a deprived area, social class), parental education, gender, ethnicity and debt aversion. Of these, only social class is found to have no independent effect. We find that these associations can differ according to the type of debt. We also find that, while students from some disadvantaged groups are less likely to take out maintenance loans, this association is accounted for by students living at home while studying, a prime mechanism for debt avoidance. (HRK / Abstract übernommen).
Journal Article
SPOTLIGHT ON NEHA RESOURCES: SUPPORTING OUR STUDENTS
Getting an education means more than earning a degree. Employers are looking for experience, achievements, and practical knowledge of the environmental public health profession, all of which we can help students obtain. Membership with us can connect students to a national network of environmental health professionals, mentoring opportunities, and career resources to help them launch their future in the field. Here are a wide range of programs and resources for students.
Journal Article
The Invisible Hurdle
International students pursuing higher education in the United States incur additional expenses compared to domestic students by spending on foreign credential evaluations and visa applications. These costs are usually not reflected in program fee structures, are non-refundable, and are not covered by financial aid, creating significant, and often unforeseen, financial strains on international students, particularly those from low-income backgrounds. This study compared the costs of two major foreign credential evaluators (Educational Credential Evaluators and World Education Services) and factored in the price of visa processing fees and the I-901 Student and Exchange Visitor Information System fee. It found that First-time, International, Graduate students pay up to $691 for foreign credential evaluations and visa applications. The paper suggests that higher education institutions should provide more transparent fee breakdowns and enhance financial aid packages to better support these students.
Journal Article
Paying for college for dummies
Discover a concrete financial plan to finance a college education Financing a college education is a daunting task no matter what your circumstances.Bestselling author and personal finance expert, Eric Tyson offers tried and true strategic advice on how to understand loans, know your options, and how to improve your financial fitness while paying.
eBook