Browsing by Author "The Institute for College Access and Success"

Now showing 1 - 20 of 21
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    At What Cost? How Community Colleges That Do Not Offer Federal Loans Put Students At Risk
    The Institute for College Access and Success (The Institute for College Access and Success (TICAS), 2014-07-01)
    Each year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts all agree that, for those who need to borrow to pay for college, federal student loans are the safest and most affordable option. Unfortunately, some colleges choose not to participate in the federal student loan program, preventing their students from taking advantage of them. Without access to affordable student loans, students who cannot afford school after available grants and scholarships are left between a rock and a hard place. They might borrow through other channels, such as private education loans or credit cards, which are more expensive, riskier, and lack the repayment options and protections of federal student loans. Alternatively, they might work longer hours to pay the bills or cut back on the number of classes they take each term – choices that research has consistently found to reduce students’ chances of completing a degree or certificate.
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    Charting the Course for Redesigning Financial Aid in California
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-10-16)
    This report outlines specific recommendations for California policymakers to create an achievable debt-free pathway to a college degree or certificate for California residents.
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    College Costs in Michigan
    The Institute for College Access and Success (The Institute for College Access and Success, 2020-02-19)
    The fact sheet analyzes the college cost in Michigan state. The report points out that In Michigan, students with the least resources would need to commit more than two-thirds of their total income to cover the cost of attending a four-year public college.
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    The Debt is in the Details: A Review of Existing Proposals to Streamline Income-Driven Repayment
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-07-11)
    This report reviews the details of major proposals from policy makers and policy organizations to streamline and reform income-driven repayment of federal student loans. The brief identifies encouraging consensus on a number of important details, as well as some areas of remaining divergence.
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    Don’t Stop Improving: Supporting Data-Driven Continuous Improvement in College Student Outcomes
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-03-29)
    This report explores how colleges and universities can best use data to help drive student success and offers recommendations to both schools and policymakers. While data-driven evidence is a critical tool for colleges, building a culture of continuous improvement and finding the resources to implement success strategies are equally integral to realizing improvements in student success. Case studies of schools including Georgia State University, California State University at Sacramento, and Indian River State College reveal specific lessons for achieving this.
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    The Evolution of the For-Profit College Industry: New Challenges for Oversight
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-12-23)
    In recent years, enrollment at for-profit colleges has fallen steeply due to sustained economic growth, the poor reputation of the industry as a result of increasing awareness of documented abuses, and stronger accountability policies that were put in place during the Obama Administration. This report focuses on important changes to the sector, which include the growth of online education, the efforts of for-profit colleges to convert to non-profit status, and the increased use of online program managers (OPMs) by public and non-profit colleges to operate their online programs.
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    Federal Student Loan Terms for 2019-20
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-07-01)
    This report summarizes loan limits, interest rates, and other terms for federal student loans issued from July 1, 2019 through June 30, 2020.
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    Federal Student Loan Terms for 2020-21
    The Institute for College Access and Success (The Institute for College Access and Success, 2020-06-25)
    This report summarizes loan limits, interest rates, and other terms for federal student loans issued from July 1, 2020 through June 30, 2021.
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    First Comes Diploma, Then Comes Debt. Unequal Debt Burdens among University of California Undergraduates
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-03-21)
    A new report from the University of California Student Association and The Institute for College Access & Success finds that the lowest income University of California (UC) bachelor’s degree recipients were the most likely to leave school with student loan debt to repay. Students of color are also paying the price; while overall 50 percent of dependent 2017-18 UC bachelor’s degree recipients had incurred student debt, two in three dependent African-American and Chicano/Latino graduates did compared to 40 percent of their White peers.
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    How to Secure and Strengthen Pell Grants to Increase College Access and Success
    The Institute for College Access and Success (The Institute for College Access and Success, 2020-05-01)
    Research shows that Pell Grants are a critical and effective way to increase college access and completion, making higher education possible for nearly seven million Americans each year. Yet this year’s maximum grant covers the lowest share of college costs in the program’s history and is no longer automatically adjusted each year to ensure the grant at least keeps pace with inflation. It is extremely uncertain what impact COVID-19 and its aftermath will have on college enrollments and family incomes. It’s clear that current and incoming students will be facing unprecedented struggles when starting the new academic year — and, likely, for years to come — and many students will need significant additional support to pay for college. It’s therefore especially critical to both protect and strengthen the Pell Grant program to meet students’ needs for years to come. This report provides key recommendations to secure and strengthen the Pell Grants program, the federal government’s most vital investment in higher education.
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    Inequitable Funding, Inequitable Results: Racial Disparities at Public Colleges
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-05-15)
    This report demonstrates the racial consequences of inequitable state higher education funding, and recommends steps state and federal policymakers should take to remedy inequities in college funding.
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    Pell Grants Help Keep College Affordable for Millions of Americans
    The Institute for College Access and Success (The Institute for College Access and Success, 2020-05-01)
    Due to the impact of COVID-19, current and incoming students will be facing unprecedented struggles when starting the new academic year — and, likely, for years to come — and many students will need significant additional support to pay for college. It is critical to protect and strengthen the Pell Grant program to reduce students’ need to borrow and to increase equity and educational attainment
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    Private Loans Facts and Trends
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-05-02)
    Private loans are one of the riskiest ways to finance a college education. Like credit cards, they usually have variable interest rates that are higher for those who can least afford them. Analysis of federal data from 2015-16 reveals that less than half of private loan borrowers use the maximum amount of more affordable federal loans.
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    States of Denial Where Community College Students Lack Access to Federal Student Loans
    The Institute for College Access and Success (The Institute for College Access and Success (TICAS), 2016-06-01)
    Every year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts agree that, for those who need to borrow to pay for college, federal student loans are the safest and most affordable option. Unfortunately, some colleges choose not to participate in the federal student loan program, preventing their students from borrowing federal loans when needed. Without access to federal student loans, students who cannot afford the cost of college after available grants and scholarships are left between a rock and a hard place. They might borrow private education loans or rely on credit cards, both of which are more expensive, riskier, and lack the repayment options and protections of federal student loans. Alternatively, they might work longer hours to pay the bills or cut back on the number of classes they take each term – choices that research has consistently found to reduce students’ chances of completing a degree or certificate.
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    Student Debt for College Graduates in Michigan
    The Institute for College Access and Success (The Institute for College Access and Success, 2020-02-19)
    Fact sheet analyzes the student debt for college graduates in Michigan. The report points out that the average debt load of a Michigan college graduate in 2017-18 was $32,158, placing the state tenth highest nationally on this measure.
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    Tax Consequences of Student Loan Discharges for Borrowers in Income-Driven Repayment Plans
    The Institute for College Access and Success (The Institute for College Access and Success, 2020-07-01)
    This report illustrates that while many borrowers in IDR 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.
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    Three Tax Fixes to Improve the Federal Student Aid Program
    The Institute for College Access and Success (The Institute for College Access and Success, 2020-03-08)
    This report points out three tax fixes to improve the federal student aid program.
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    Top 10 Ways the New Borrower Defense Rule is Worse for Borrowers
    The Institute for College Access and Success; The Century Foundation; National Consumer Law Center (The Institute for College Access and Success, 2019-09-23)
    Federal law allows students whose schools have defrauded or cheated them to have their loans discharged. Prior to 2016, there were few details in law or regulation about how borrowers could seek discharges or the U.S. Department of Education’s (ED) process for adjudicating them. In 2016, the Obama Administration issued a rule to articulate clear processes for applying for and granting borrower defense discharges. Today, the Trump Administration released a new rule that will make it almost impossible for students to get relief. A joint fact sheet from TICAS, the Century Foundation, and National Consumer Law Center outlines the key differences between the rules.
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    Untangling the Web: How to Monitor the Risks of Online Education
    The Institute for College Access and Success (The Institute for College Access and Success, 2020-07-01)
    Facing an unprecedented moment in higher education, colleges and universities have closed campuses nationwide and moved online amid the COVID-19 pandemic. Moreover, one lasting effect of the crisis may be many more students attending classes online, both at traditional and online colleges. While the best and often only, option during a pandemic, the success of online education is mixed. With a necessary migration emphasizing the long-standing need for better information collection and transparency in online higher education, this report surveys the current landscape of online education and identifies critical problems and widespread questions about how a rapid shift online impacts quality.
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    What to Know About the Borrower Defense to Repayment Rule
    The Institute for College Access and Success (The Institute for College Access and Success, 2019-04-30)
    The Borrower Defense to Repayment Rule offers students relief from federal loans borrowed based on fraudulent, misleading or illegal acts by their schools. Borrower defense is an established legal right for many forms of consumer credit, and it has been a part of the Higher Education Act for many years.