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Author(s):ECMC Group Foundation, Prepared by Caliber Associates
Title:Cultural barriers to incurring debt: An exploration of borrowing and impact on access to postsecondary education
Short Description:This statistical analysis investigates and reports on cultural attitudes toward borrowing money, and whether cultural attitudes affect student loan borrowing.
Annotation:Since recent increases in student borrowing appear to be limited to students from middle and upper income levels, the effectiveness of student loans in aiding students from low-income families is called into question. This statistical analysis investigates and reports on cultural attitudes toward borrowing money, and whether cultural attitudes affect student loan borrowing.
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Associated Keywords:
Borrowing/Student Debt
Financial Aid, Affordability, Tuition, and Costs
Low-Income Students

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The educational crisis facing young men of color: Reflections on four days of dialogue on the educational challenges of minority males
FY 2011 budget proposal: Thoughts and recommendations for increasing college access and success
Paying for college: Students from middle-income backgrounds
Squeeze play 2010: Continued public anxiety on cost, harsher judgements on how colleges are run
Promising practices: What works in the midwest: A report from the Wisconsin Center for the Advancement of Postsecondary Education (WISCAPE)
Income Based Repayment Calculator
Rising to the challenge: Hispanic college graduation rates as a national priority
Student debt 101
Latino College Dollars: Scholarships for Latino students
The Equity Scorecard: A collaborative approach to assess and respond to racial and ethnic disparities in student outcomes
Between two worlds: How young Latinos come of age in America
Community colleges as gateway and gatekeeper: Moving beyond the access "saga" to outcome equity
College readiness issue brief: Early commitment of financial aid: Individual development accounts (IDAs) for higher education
Bridging the gaps to success: Promising practices for promoting transfer among low-income and first generation students: An in-depth study of six exemplary community colleges in Texas
Postsecondary education and training as we know it is not enough: Why we need to leaven postsecondary strategy with more attention to employment policy, social policy, and career and technical education in high school
Lumina Foundation Lessons: When networks build a platform, students step up
After the FAFSA: How red tape can prevent eligible students from receiving financial aid
Effective college access, persistence and completion programs and strategies for underrepresented student populations: Opportunities for scaling up
Citizenship now! Information for undocumented students
Yes we can: The Schott 50-state report on public education and black males
Tuition discounting: Institutional aid patterns at public and private colleges and universities, 2000-01 to 2008-09
A decade of undergraduate student aid: 1989-90 to 1999-2000
Student debt and the class of 2009
Partnerships between community colleges and prisons: Providing workforce education and training to reduce recidivism
Official cohort default rates for schools
The impact of increases in Pell Grant awards on college-going among lower income youth: Results from a natural experiment
National Association for College Admission Counseling: Statement of prinicples of good practice
Too small to help: The plight of financially distressed private student loan borrowers
Financial aid in theory and practice
State early commitment programs: A contract for college success?
Outcomes of high impact practices for underserved students: A review of the literature
Improving academic preparation for college: What we know and how state and federal policy can help
Federal Aid First (Spanish Version)
The iron triangle: College presidents talk about costs, access and quality
College credit in high school: Access and success for low-income and minority students
Student debt and the class of 2007
Promise lost: College-qualified students who don't enroll in college
Critical conditions for equity and diversity in college access: Informing policy and monitoring results
Paving the way: How financial aid awareness affects college access and success
Funding education beyond high school: The guide to federal student aid 2009-10 (Spanish language version)
Community college transfer and articulation policies: Looking beneath the surface
An overview of tax benefits for higher education expenses
A brief history of veterans' education benefits and their value
Helping community college students cope with financial emergencies: Lessons from the Dreamkeepers and Angel Fund financial aid programs
Confronting the "new" American dilemma: Underrepresented minorities in engineering: A data-based look at diversity (Executive Summary)
Early intervention program and college partnerships
Law, Education, Social Services Scholarships
United Negro College Fund (UNCF) Scholarships
Best practices in student support services: A study of five exemplary sites
Course-taking patterns and preparation for postsecondary education in California's public university systems among minority youth
Beyond social justice: The threat of inequality to workforce development in the Western United States
Searchable English-Spanish glossary
Becoming credit-wise: What students (and you!) should know
Funding education beyond high school: The guide to federal student aid 2009-10
Accelerating Latino success at Texas border institutions: Possibilities and challenges
The 2008 amendments to the Higher Education Act: Are we on the right track?
Improving lives: State and federal programs for low-income adults (searchable database)
Access to Medical Education in Canada: Do Differing Tuition Regimes Affect Access and Career Choice?
A profile of successful Pell Grant recipients: Time to Bachelor's degree and early graduate school enrollment
Dynamic annotated bibliographies from the IPCN online college access library
Quick facts about financial aid and community colleges, 2007-08
Impact of college rankings on institutional decision making: Four country case studies
The price of knowledge 2004: Access and student finance in Canada
Post-secondary access and student financial aid in Canada: Current knowledge and research gaps
Annotated bibliography of resources for transforming school counseling
Hopes & hurdles: California foster youth and college financial aid
Growing pains: Scaling up the nation's best charter schools
Charting a necessary path: The baseline report of public higher education systems in the Access to Success initiative
Benchmarks: WICHE Region 2009
Funding university education in Ontario: Ontario University applicant survey report
Report on student debt: Canadian college student survey and Canadian undergraduate survey consortium
Investing in their future: A survey of student and parental support for learning
Measuring the effectiveness of student assistance - Annual report 2006
The Canadian student financial aid system: The case for modernization
State and community-based promise programs: Early commitments of financial aid for college
Documenting the shift to merit
Closing the college participation gap: A national summary
Minority teacher/special education services scholarship
Student financing of undergraduate education 2003-04, with a special analysis of the net price of attendance and federal education tax benefits
Project on student debt.org
The art of student retention
Grappling with the access problem
College access, financial aid, and college success for undergraduates from foster care
California trends in student aid: 1994-95 to 2003-04
Eliminating complexity and inconsistency in federal financial aid programs for higher education students: Towards a more strategic approach
NDSFA: State financial aid and college access
Diversity, school, family, and community connections
Recession, retrenchment, and recovery: State higher education funding and student financial aid
State higher education finance: FY 2004
Working their way through college: Student employment and its impact on the college experience
Financial access: What it is, what it isn't, and how to educate people about it
National college access network
High school guidance counselors: Facilitators or preemptors of social stratification in education
Internet inequalities: Financial aid, the internet, and low-income students
Questions that matter: Setting the research agenda on access and success in postsecondary education
Transitions to college: From theory to practice
The link between high school reform and college access and success for low-income and minority youth
Bridging the gap: Academic preparation and postsecondary success of first generation students
It's kind of different: Student experiences in two early college high schools
Policy on dual credit courses taught in high schools by high school faculty
Workbook of state affordability rates 2004
Locked up and locked out: An educational perspective on the U.S. prison pipeline
Preserving access with excellence: Financing for rural community colleges
No merit in these scholarships
A closer look at the President's proposal for changes in student assistance
Pathways to a four-year degree: Determinants of transfer and degree completion
Equal access to postsecondary education? The case of undocumented immigrant students
Paying for college: Changes between 1990 and 2000 for full-time dependent undergraduates
Student financing of graduate and first professional education: 1999-2000
U.S. Department of Education: The Hope Scholarship and Lifetime Learning Credit
Investing in America's future: Why student aid pays off for society and individuals
Financing higher education
Student aid and tax benefits: Better research and guidance will facilitate comparison of effectiveness and student use
College knowledge: What Latino parents need to know and why they don't know it
How curriculum influences college persistence in Indiana and the nation
Socioeconomic status, race/ethnicity, and selective college admissions
Challenging times, clear choices: An action agenda for college access and success
Student debt levels continue to rise: Stafford indebtedness: 1999 update
College access in Indiana and the United States: A 2005 status report
State financial aid: Policies to enhance articulation and transfer
The burden of borrowing: A report on the rising rates of student debt
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
Discounting toward disaster: Tuition discounting, college finances, and enrollments of low-income undergraduates
Addressing the needs of adult learners
Developing your vision while attending college
Fact book bulletin: Latest data confirms a college affordability gap for students from middle- and lower-income families
Hacia Adelante - Pathways to College - A Guide for Latino Families
Initiative on Educational Excellence for Hispanic Americans Website and Secondary School Toolkit - English
Education watch Washington: Key education facts and figures 2004
Education watch Washington: Key education facts and figures 2006
The College and Financial Aid Guide for Undocumented AB540 Immigrant Students
Education watch California: Key facts and figures
Education watch Texas: Key education facts and figures 2004
Education watch Texas: Key education facts and figures 2006
Closing the gaps by 2015: The Texas higher education plan
Texas public universities' data and performance report: Part A
Building a culture of evidence for community college student success: Early progress in the Achieving the Dream initiative
Achievement trap: How America is failing millions of high-achieving students from lower-income families
The credit crunch and student loans: Don't react before getting the facts
EFC (Expected Family Contribution) Formula Guide, 2010-11
Low-income students and college success: More than money
State merit aid programs: Responses by Florida community colleges
Indiana Chafee Education and Training Voucher (ETV) Program
Orphan Foundation of America
The growing imbalance: Recent trends in U.S. postsecondary education finance
Reaching higher with accountability (working paper)
How does the United States stack up? International comparisons of academic achievement
Reaching higher college completion (working paper)
Counselors and Mentors Handbook on Federal Student Aid: A Guide for Those Helping Students Prepare for Postsecondary Education
Ed Fund
AMS Scholarships and Fellowships
Gates Millennium Scholars Scholarships
On ramp to college: A state policymaker's guide to dual enrollment
Truman D. Picard Scholarship
Jackie Robinson Foundation Scholarship Program
Ronald E. McNair Postbaccalaureate Achievement Program
Financial aid and scholarship information for undocumented students
Hispanic Scholarship Fund: Frequently asked questions
Paying for college: A brief look at student financial aid programs
Squeeze play: How parents and the public look at higher education today
A report on the status of Hispanics in education: Overcoming a history of neglect
A scan of our changing environment, 2004 - 2005
College access for the working poor: Overcoming burdens to succeed in higher education
Opening doors to earning credentials: Impressions of community college access and retention from low-wage workers
Lumina Foundation for Education: Adult learners
Opening Doors project publications
Improving educational opportunties for students who work
Latinos in undergraduate education
Low income student scholarships
12 Ways adult students can pay for college
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
Thinking outside the box: Policy strategies for readiness, access, and success
Costs, prices, and affordability
Federal student aid need analysis: Background and selected simplification issues
Opening doors: Promoting student success in community college and beyond
A test of leadership: Charting the future of U.S. higher education
The college and financial aid guide for: AB540 undocumented immigrant students
High hopes, big debts
Destination university: A guide to college for students and their families (English Version)
State tuition, fees, and financial assistance policies for public colleges and universities, 2005-06
Coercive mobility and crime: A preliminary examination of concentrated incarceration and social disorganization
Study of the effect of the Talent Search program on secondary and postsecondary outcomes in Florida, Indiana and Texas
Hitting home: Quality, cost, and access challenges confronting higher education today
Cutting interest rates, lowering student loan debt: An analysis of the congressional proposal to cut student loan interest rates in half
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?
Quick facts about student debt
After Michigan, what? Next steps for affirmative action
Knowledge for practice: A training program for college access advisors
Undergraduate students and credit cards 2004: An analysis of usage rates and trends
Up for grabs: The gains and prospects of first- and second generation young adults
Men of color: Ensuring the academic success of Latinos in higher education
The economic value of opportunity youth
Unbundling youth, family, and community involvement in college access: On the ground in Austin, Texas
Challenging success: Can college degree completion be increased as states cut budgets?
Much accomplished, much at stake: Performance and policy in Maryland higher education
Statewide aid policies to improve college access and success
Pathways to success: Integrating learning with life and work to increase national college completion
Know before you owe (student loans)
Open educational resources: Tools to help 21st century students achieve their postsecondary eduation goals and keep America competitive
Dramatically bringing down the cost of education with OER: How open education resources unlock the door to free learning
Loan forgiveness for specialized instructional support personnel (including school counselors) frequently asked questions
The distribution of grants and scholarships by race
Underserved students who earn credit through prior learning assessment have higher degree completion rates and shorter time-to-degree
The role of mentoring in college access and success
Critical choices: How colleges can help students and families make better decisions about private loans
Unlocking doors and expanding opportunity: Moving beyond the limiting reality of college and career readiness in California high schools
Student debt and the class of 2010
Using data and inquiry to build equity-focused college-going cultures
Performance-based scholarships: Emerging findings from a national demonstration
Resisters, rejectors, and ridas: How to make urban schools work for disengaged students and critically conscious teachers
Getting through: Higher education's plan to increase the college completion rates of Boston public schools graduates
The relevance of Asian Americans and Pacific Islanders in the college completion agenda
Advancing to completion: Increasing degree attainment by improving graduation rates and closing gaps for African-American students
Review of the effects of school vouchers on college enrollment: Experimental evidence from New York City
Higher education, merit-based scholarships and post-baccalaureate migration
Information and college access: Evidence from a randomized field experiment
From capacity to success: HSIs and Latino student success through Title V
What works for Latino student success in higher education: 2012 Compendium, profiles of selected programs
Replenishing opportunity in America: The 2012 midterm report of public higher education systems in the Access to Success Initiative
Certificates: Gateway to gainful employment and college degrees
Trends in college spending, 1999-2009
The educational experience of young men of color: A review of research, pathways and progress
Closing the door, increasing the gap: Who's not going to (community) college?
Campaign for the Future of Higher Education
2011 Survey of differential tuition at public higher education institutions
Hard choices ahead: Performance and policy in Texas higher education
Housing costs, zoning, and access to high quality schools
2012 Household financial planning survey
The student loan default trap: Why borrowers default and what can be done
National student aid profile: Overview of 2012 federal programs
Consumer guide to changes in Federal Pell grants and student loans for 2012-13
Transforming the educational experience of young men of color: Companion workbook
MPI updates national and state level estimates of potential DREAM Act beneficiaries