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Author(s):McCallion, G
Title:Student loan forgiveness programs
Organization:Congressional Research Service
Short Description:In the 108th Congress, legislation was passed (P.L. 108-409, the Taxpayer-Teacher Protection Act of 2004), that will, among other things, temporarily expand student loan forgiveness to $17,500 for highly qualified special education teachers working in elementary and secondary schools, and for highly qualified mathematics and science teachers working in secondary schools.
Annotation:In the 108th Congress, legislation was passed (P.L. 108-409, the Taxpayer-Teacher Protection Act of 2004), that will, among other things, temporarily expand student loan forgiveness to $17,500 for highly qualified special education teachers working in elementary and secondary schools, and for highly qualified mathematics and science teachers working in secondary schools. The expanded student loan forgiveness amount applies only to new borrowers on or after October 1, 1998, who borrow before October 1, 2005. As part of its reauthorization of the Higher Education Act, the 109th Congress will likely consider whether these new provisions should be made permanent.
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Associated Keywords:
Borrowing/Student Debt
College Access Legislation
Financial Aid, Affordability, Tuition, and Costs
Loan Forgiveness Programs
Teaching/Teacher Quality

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Access for all? Debating in-state tuition for undocumented alien students
Held back: How student aid programs fail working adults
Challenging times, clear choices: An action agenda for college access and success
A deficit of understanding: Confronting the funding crisis in higher education and the threat to low-income and minority access
When saving means losing: Weighing the benefits of college-savings plans
Access denied: Restoring the nation’s commitment to equal educational opportunity
College affordability: Overlooked long-term trends and recent 50 state patterns
Who should we help? The negative social consequences of merit aid scholarships
Do grants matter?
The access challenge: Rethinking the causes of the new inequality
Missed opportunities: A new look at disadvantaged college aspirants
Just and efficient college finance
Policy for progress: Reaffirming California higher education accessibility, affordability, and accountability into the 21st century
College access in Indiana and the United States: A 2005 status report
On the road to college: Developing mobile and regional outreach services
NDSFA: State financial aid and college access
Literature review: Intervention methods and programs for pre-college entry for disadvantaged students
A test of leadership: Charting the future of U.S. higher education
Recession, retrenchment, and recovery: State higher education funding and student financial aid
High school counselors handbook 2004-05
An exploration of what we know about the formation and impact of perceptions of college prices, student aid, and the affordability of college-going and a prospectus for future research
NIH loan repayment programs
California trends in student aid: 1994-95 to 2003-04
Doors of opportunity opening or closing: We are using tax credits and tuition discounts to appease middle-class voters instead of expanding educational opportunity
Quality, affordability and access: Americans speak on higher education
High hopes, big debts
The money manual: A personal finance guide from the Hispanic Scholarship Fund
College scholarships for Latino students: Are opportunities being missed?
No way out: Student loans, financial distress, and the need for policy reform
Graduating with debt: The biggest threat to young American's financial well-being?
Hitting home: Quality, cost, and access challenges confronting higher education today
Quick facts about student debt
Undergraduate students and credit cards 2004: An analysis of usage rates and trends
The campus-based financial aid programs: A review and analysis of the allocation of funds to institutions and the distribution of aid to students
Thinking outside the box: Policy strategies for readiness, access, and success
Hidden in plain sight: Adult learners forge a new tradition in higher education
Going to the source: A practical way to simplify the FAFSA
Inventing Hispanic serving institutions (HSIs): The basics
Finding the right college for you
Repayment frequently asked questions
Repayment glossary
A multi-institution analysis of the effects of campus-based financial aid on student persistence at public four-year institutions
Addressing America's dropout challenge: State efforts to boost graduation rates require federal support
AB 540 is a change in the law: Higher education is now more affordable for California's immigrant students
Update: State policies regarding in-state tuition for undocumented students
Access to college: The role of tuition, financial aid, scholastic preparation and college supply in public college enrollments
Texas public universities' data and performance report: Part A
College Access: Indiana
Digest of Education Statistics
Post-secondary education options for low-income students
Federal support for adolescent literacy: A solid investment
LearnMore Indiana Resource Center
Guide for parents: Ten steps to prepare your child for college
Paying for college: A brief look at student financial aid programs
Action plan: Educators/Policymakers
Mathematics and science achievement and course-taking for college-bound high school students
Federal student financial aid: A national profile of programs in Title IV of the higher education act
EPAS®: A system that works
What kind of test preparation is best?
Fact book bulletin: Latest data confirms a college affordability gap for students from middle- and lower-income families
A scan of our changing environment, 2004 - 2005
College affordability for students from low and lower-middle income families
Adventures in Education - High School (English and Spanish Versions)
Adventures in Education - Middle School (English and Spanish Versions)
Addressing the needs of adult learners
Back to school: Federal student aid policy and adult college enrollment
Initiative on Educational Excellence for Hispanic Americans Website and Secondary School Toolkit - English
Returning to our roots: Student access
Boosters, brokers, and bridges: Real world ideas for college access programs
Financial aid and scholarship information for undocumented students
How do I pay for college?
12 Ways adult students can pay for college
Cómo pagar por sus estudios universitarios (Financial aid guide)
Benefits of a high school core curriculum
What every student should know about federal aid
Recent STEM initiatives
The economic promise of investing in high-quality preschool: Using early education to improve economic growth and the fiscal sustainability of states and the nation
PK-3: An aligned and coordinated approach to education for children 3 to 8 years old
Qualified teachers for at-risk schools: A national imperative
Frequently asked questions about college costs
The (un)changing face of the Ivy League
California Community Colleges: Making them stronger and more affordable
College grants on a postcard: A proposal for simple and predictable federal student aid
Student debt: Bigger and bigger
Parents are too optimistic about scholarships
Catching the Dream
Sallie Mae: First in my family scholarship
Federal requirements for homeschoolers seeking college admission and financial aid
The contributions of economics to the study of college access and success
Lottery funded merit scholarships: Some lessons from the Florida Bright Futures Scholarship program
Unintended admission consequences of federal aid for homeschoolers
Admission possible
Need versus merit: Focusing student financial aid for diversity
NDSFA: Getting the most out of federal aid spending -- encouraging colleges and universities to promote the common good
The art of student retention
National association of state approving agencies
GI bill: A reality check
Critical postsecondary education issues in Indiana
College access, financial aid, and college success for undergraduates from foster care
State of college admission 2007
State of decline? Gaps in college access and achievement call for renewed commitment to educating Californians
American Indian, Alaska Native, and Native Hawaiian education in the states
National Center for College Costs
Strategic instruction model
What we know about access and success in postsecondary education: Informing Lumina Foundation's strategic direction
Higher education reauthorization: Issues and options
Discounting toward disaster: Tuition discounting, college finances, and enrollments of low-income undergraduates
Network news: Focus on finance policy, access, and affordability
Expanding college access: The impact of state finance strategies
Meeting the access challenge: Indiana's Twenty-first Century Scholars program
Getting through college: Voices of low-income and minority students in New England
State merit scholarship programs and racial inequality
2003 status report on the Pell grant program
Left behind: Unequal opportunity in higher education
What's at stake? The social and economic benefits of higher education
Annotated list of Pathways research, papers, reports, and other publications by focus area
Persistence and attainment of beginning students with Pell Grants
Student debt levels continue to rise: Stafford indebtedness: 1999 update
State financial aid: Policies to enhance articulation and transfer
Getting ready to pay for college: What students and their parents know about the cost of college tuition and what they are doing to find out
Private scholarships count: Access to higher education and the critical role of the private sector
Workforce contingent financial aid: How states link financial aid to employment
2003-04 National postsecondary student aid study: Undergraduate financial aid estimates for 2003-04 by type of institution
Global higher education rankings: Affordability and accessibility in comparative perspective
In state tuition for undocumented immigrants
The affordability of university education: A perspective from both sides of the 49th parallel
Public attitudes on higher education
State higher education finance: FY 2003
2006-2007 NASFAA financial aid night and counselor's materials
Early commitment financial aid programs
First generation college students: A literature review
Persistence among first-generation college students in Indiana: The impact of precollege preparation, college experiences, and financial aid
Net price to family for dependent and independent undergraduate students by institutional type/control and parental income quartiles, 2004
Questions that matter: Setting the research agenda on access and success in postsecondary education
Transitions to college: From theory to practice
Student readiness for college: Connecting state policies
NCHEMS information center
Life after high school: Young people talk about their hopes and prospects
State higher education finance: FY 2004
Fixing the formula: A new approach to determining independent students' ability to pay for college
Working their way through college: Student employment and its impact on the college experience
Beyond the 49th parallel II: The affordability of university education
The NASFAA journal of student financial aid
College preparation information from Peterson's Education Center
Twenty-first Century Scholars Program
Lumina Foundation focus: Barrier busters: Community colleges and their students embrace challenges
American higher education: How does it measure up for the twenty-first century
Update to state dual enrollment policies: Addressing access and quality
Promise abandoned: How policy choices and institutional practices restrict college opportunity
Stafford loan forgiveness program for teachers
Contending with financial inequality
College planning center
Impact of student aid program design, operations, and marketing on the formation of family college-going plans and resulting college-going behaviors of potential students
Perceptions of college financial aid among California Latino youth
Indiana Troops to Teachers
FinAid: Student loan advisor - Master's students
FinAid: Student loan advisor - Undergraduate students
FinAid: Student loan advisor - Doctoral students
College outcomes comparisons by AP and non-AP high school experiences
2007-08 National postsecondary student aid study (NPSAS:08): Student financial aid estimates for 2007-08
College-ready students, student-ready colleges: An agenda for improving degree completion in postsecondary education
Ensuring equal opportunity in public education: How local school district funding policies hurt disadvantaged students and what federal policy can do about it
Montgomery GI bill - active duty
Ready to assemble: A model state higher education accountability system
Critical conditions for equity and diversity in college access: Informing policy and monitoring results
Removing the roadblocks: Fair college opportunities for all California students
Paving the way: How financial aid awareness affects college access and success
The Condition of Latinos in education: 2008 Factbook
Federal Aid First (Spanish Version)
Think college? Me? Now?
An overview of tax benefits for higher education expenses
Trends in college spending: Where does the money come from? Where does it go?
USA Funds: Indiana state resources
Searchable English-Spanish glossary
Building a data sharing network of scholarship programs for alumni of foster care
Indiana Latino Institute, Inc. Careers for the Future Scholarship 2009-2010
Federal access policies and higher education for working adults
State indicators of science and mathematics education: 2007
Improving the distribution of teachers in low-performing high schools
Measuring and improving the effectiveness of high school teachers
I-STEM Resource Network
Ronald McDonald House Charities (RMHC) Scholarship Program
Woodrow Wilson Fellowships
Korean American Scholarship Foundation
Ron Brown Scholar Program
What every college access practitioner should know: About the importance of commitment
Facts about college access and affordability
Higher education: Tuition continues to rise, but patterns vary by institution type, enrollment, and educational expenditures
Consider college now! A handbook for students in middle school and junior high school
The Student Guide for High School Seniors/College Students
Financial Literacy for You (FLY)
Project Complete
College planning resource directory
Overcoming obstacles, optimizing opportunities: State policies to increase postsecondary attainment for low-skilled adults
Indiana's guide to paying for college
2007-08 Directory of colleges cooperating with the SAT program fee-waiver service
Parent primer on career exploration
North Central Regional Educational Research Laboratory: Data Primer
Are teachers prepared for racially diverse schools? Teachers describe their preparation, resources, and practices for racially diverse schools
Forming a college-going community in U.S. public high schools
Achievement trap: How America is failing millions of high-achieving students from lower-income families
Wrestling rising costs with innovation
Student charges and financial aid: 2006-07
Project on student debt: State by state data
Cashing in or cashing out: Tools for measuring the effectiveness and outcomes of financial aid events
Green lights and red tape: Improving access to financial aid at California's community colleges
A little now for a lot later: A look at a Texas advanced placement incentive program
College Board scholarship search
The Sallie Mae Fund
2006-2007 National directory of scholarships, internships, and fellowships for Latino youth
Academic competitiveness grants
Paying for college success: An introduction to the performance-based scholarship demonstration
Re-imagining community colleges in the twenty-first century
Access and persistence: Fall 2009
ACE Online Information Center
Student debt and the class of 2008
The price of knowledge: Access and student finance in Canada
Canadian college student finances: Second edition
Canadians’ attitudes towards financing postsecondary education: Who should pay and how?
Pressure points in student financial assistance: Exploring the “Making Ends Meet” database
Report on student debt: Canadian college student survey and Canadian undergraduate survey consortium
Canadian college student finances: Third edition (2005)
Federal Student Aid: Grant Programs Factsheet
Federal Student Aid: Grant Programs Factsheet (Spanish language version)
Federal Student Aid: Loan Programs Factsheet
Federal Student Aid: Loan Programs Factsheet (Spanish language version)
Working too hard to make the grade: How fewer work hours and more financial aid can help California community college students succeed
It's about time: Temporal dimensions of college preparation programs
Cost perceptions and college-going for low-income students
Federal School Code List
Squeeze play 2010: Continued public anxiety on cost, harsher judgements on how colleges are run
Enrollment in postsecondary institutions Fall 2008; graduation rates, 2002 and 2005 cohorts; and financial statistics, 2008
Policy on dual credit opportunities in Indiana
Indiana's Cash for College
Income Based Repayment Calculator
National opportunity to learn campaign: Lost opportunity: A 50 state report on the oppotunity to learn in America
Too small to help: The plight of financially distressed private student loan borrowers
Cracking the books: Policy measures to contain textbook costs
A profile of successful Pell Grant recipients: Time to Bachelor's degree and early graduate school enrollment
Impact of college rankings on institutional decision making: Four country case studies
SREB Factbook on higher education
US Department of Veterans Affairs: Yellow Ribbon Program
Race to the top: Promising approaches to achieving college- and career-ready goals
Federal student aid's oversight and monitoring of guaranty agencies, lenders, and servicers needs improvement
Rising tuition and enrollment in public higher education
The impact of increases in Pell Grant awards on college-going among lower income youth: Results from a natural experiment
My future, my way: How to go, how to pay
From assets to school outcomes: How finances shape children's perceived possibilities and intentions
Foundations for success: Short-term impacts report
Strategies to empower low-income and minority students in gaining admission to and paying for college
Military service members and veterans in higher education: What the new GI Bill may mean for postsecondary institutions
How America saves for college 2009: Sallie Mae's national study of students and parents
Measuring the effectiveness of student assistance - Annual report 2006
Immigrant parents' investments in their children's post-secondary education
Factors affecting the use of student financial assistance by first nations youth
Still on the sidelines: What role will higher education trustees play in higher education reform?
Prison vs. Princeton
The hidden costs of community colleges
Trends in college pricing 2011
State Policies Affecting the “Adult Re-Entry Pipeline” in Postsecondary Education: Results of a Fifty-State Inventory
One year out: Findings from a national survey among members of the high school graduating class of 2010
Staying on track: Early findings from a performance-based scholarship program at the University of New Mexico
Conditional cash transfers and college persistence: Evidence from a randomized need-based grant program
Speaking of salaries: What it will take to get qualified, effective teachers in all classrooms
A way forward: A progressive vision for reauthorizing the Elementary and Secondary Education Act
The differential impact of wealth vs. income in the college-going process
Winning the future: Improving education for the Latino community
Trends in for-profit postsecondary education: Enrollment, prices, student aid and outcomes
Forward thinking teens: The effects of college costs on adolescent risky behavior
Presidential leadership for public policy: A special report by the National Center for Public Policy and Higher Education
Stepping stones: Principal career paths and school outcomes
The heart of student success: Teaching, learning, and college completion
Getting what we pay for: State community college funding strategies that benefit low-income, lower-skilled students
Access without equity: Longitudinal analysis of institutional stratification by race and ethnicity: 1972-2004
Measuring success by degrees: The status of college completion in SREB states
Ensuring success for returning veterans
Reality check: Hispanic-serving institutions on the Texas border strategzing financial aid
Transforming high schools: Performance systems for powerful teaching
Meeting the challenge: The role of school leaders in turning around the lowest-performing high schools
Building roads to success: Key considerations for communities and states reconnecting youth to education
National Opportunity to Learn Campaign
International Education Financial Aid: International Financial Aid and College Scholarship Search
For-profit colleges: Undercover testing finds colleges encouraged fraud and engaged in deceptive and questionable marketing practices
Six reasons the Keep our Educators Working Act should be amended to require states receiving funds to end seniority-only teacher-layoff policies
Interview with Anthony P. Carnevale
The new net price calculator for college website
Ensuring America's future: Federal policy and Latino college completion
Education pays 2010
Seeking assistance: Who gets financial aid at California community colleges?
Easy come - EZ-GO: A federal role in removing jurisdictional impediments to college education
Is college affordable? In search of a meaningful definition
Getting ready for success: Bridging the gap between high school and college in Tacoma, Washington
2012 Household financial planning survey
College is affordable: A pilot study
One in seven: Ranking youth disconnection in the 25 largest metro areas
42nd Annual survey report on state sponsored student financial aid
Repository of resources for undocumented students
Consumer guide to changes in Federal Pell grants and student loans for 2012-13
Trends in public higher education: Enrollment, prices, student aid, revenues and expenditures
How does institutional grant aid impact college choice?
Dual enrollment: Reviewing programs to promote college completion
Refocusing adult education on career and postsecondary success: An analysis of adult education (Title II) in WIA reauthorization proposals
High debt, low information: A survey of student loan borrowers
Survey of state tuition, fees, and financial assistance policies for public colleges and universities: 2010-11
2011 Survey of differential tuition at public higher education institutions
Paying for college: Cost comparison worksheet
College hopes and worries survey
Survey of income and program participation data on educational attainment
Hiring and higher education: Business executives talk about the costs and benefits of college
The 8th annual AP report to the nation
Dramatically bringing down the cost of education with OER: How open education resources unlock the door to free learning
How America pays for college 2011
Information and college access: Evidence from a randomized field experiment
Increasing return on investment from federal student aid