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Author(s):Harnisch, T
Title:The public realities of private student loans
Organization:American Association of State Colleges and Universities
Short Description:The use of private loans to finance students’ college education has increased dramatically in the last decade. Insufficient public financial aid support, a complex federal aid application process, aggressive marketing by private lenders, and an unwillingness by some parents to borrow under the federal PLUS program are leading students to take out what can be costly student loans.
Annotation:The use of private loans to finance students’ college education has increased dramatically in the last decade. Insufficient public financial aid support, a complex federal aid application process, aggressive marketing by private lenders, and an unwillingness by some parents to borrow under the federal PLUS program are leading students to take out what can be costly student loans. These loans can lead to an immense debt load, especially for young borrowers. Officials at the federal, state and institutional levels must work collectively to provide greater transparency and consumer protection in the private student lending industry so that students have access to clear, impartial information on financing postsecondary education.
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Associated Keywords:
Borrowing/Student Debt
Financial Aid, Affordability, Tuition, and Costs

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Midwest Student Exchange Program (MSEP)
Federal Student Aid at a Glance (Spanish language version)
Federal Student Aid: Grant Programs Factsheet
Hopes & hurdles: California foster youth and college financial aid
2010-2011 FAFSA on the web worksheet
Re-imagining community colleges in the twenty-first century
Student loan forgiveness programs: An evolving workforce development tool
Providing effective financial aid assistance to students from foster care and unaccompanied homeless youth
Paying for college: Distinguishing between cost and price
Enrollment in postsecondary institutions Fall 2008; graduation rates, 2002 and 2005 cohorts; and financial statistics, 2008
Federal School Code List
For-profit colleges: Undercover testing finds colleges encouraged fraud and engaged in deceptive and questionable marketing practices
The 'bottom' seventy percent: What America's elite institutions of higher learning owe to everyone else
How America pays for college 2010: A national study by Sallie Mae and Gallup
SREB/Go Alliance
The rising price of inequality: How inadequate grant aid limits college access and persistence
Proposed legislative changes to the post-9/11 GI Bill: Potential implications for veterans and colleges
Academic competitiveness and national SMART grant programs: First-year lessons learned
The impact of Pell grants on academic outcomes for low-income California community college students
From assets to school outcomes: How finances shape children's perceived possibilities and intentions
National Association for College Admission Counseling: Statement of prinicples of good practice
Rising tuition and enrollment in public higher education
Recent changes to eligibility requirements and additional efforts to promote awareness could increase Academic Competitiveness and SMART Grant participation
Community colleges: A route of upward economic mobility
Public institution and university system financial conditions survey
Working learners: Educating our entire workforce for success in the 21st century
Quick facts about financial aid and community colleges, 2007-08
Financial aid in theory and practice
State early commitment programs: A contract for college success?
The millennium bursary in New Brunswick: Impact on debt and persistence
Do Perceptions Matter Regarding the Costs and Benefits of a Post-Secondary Education?
Easing the middle-class burden: An Examination of the implications of reducing parental contributions to post-secondary study
Trends in college pricing 2009
How America saves for college 2009: Sallie Mae's national study of students and parents
IDA Pays: Examining the potential of education IDAs
IDAs and financial aid: Understanding the puzzle and sharing best practices
New strategies in delivering education IDAs: Rethinking program design
IDA pays: A missing piece of the access puzzle
Mind the access gap: Breaking down barriers to post-secondary education
The price of knowledge: Access and student finance in Canada -- Third edition
Lowering student debt: Explaining the decline in the debt of university students in Manitoba
Canada's Tuition and Education Tax Credits
Showing them the money: The role of institutional financial aid policies and communication strategies in attracting low-income students
Is university education in Canada more affordable than in the United States?: A Review of the Argument Presented in The affordability of university education: A perspective from both sides of the 49th parallel
A family affair: The impact of paying for college or university
The Millennium Bursary in British Columbia: Exploring its impact: Summary report (2004)
Canadian college student finances
Why policymakers should care about children's savings
Open educational resources: Tools to help 21st century students achieve their postsecondary eduation goals and keep America competitive
The roll of Pell grants in access, persistence and completion
Transforming education in America
How America pays for college 2011
Pell grants and the lifting of rural America's future
Does federal student aid raise tuition? New evidence on for-profit colleges
Unrealized promises: Unequal access, affordability, and excellence at community colleges in Southern California
High debt, low information: A survey of student loan borrowers
Tuition and Fees in the West 2011-12
State HIgher Education Finance 2011
Is college affordable? In search of a meaningful definition
Keeping the promise of opportunity: Redesigning financial aid to support post-secondary completion among low-income young adults
The college completion agenda may sacrifice college access for low-income, minority and other at-risk students
College is affordable: A pilot study
2011 Survey of differential tuition at public higher education institutions
College hopes and worries survey
Does more money matter? An introduction to the performance-based scholarship demonstration in California
Simplifying student aid: What it would mean for states
National student aid profile: Overview of 2012 federal programs
Increasing college and career readiness through dual enrollment: Research, policies, and effective practices
MPI updates national and state level estimates of potential DREAM Act beneficiaries
The hidden costs of community colleges
Trends in college pricing 2011
Providing effective financial aid assistance to students from foster care and unaccompanied homeless youth: A key to higher education access and success: Version 2.0
Cheap for whom? How much education costs taxpayers
The distribution of grants and scholarships by race
Top ten higher education policy issues for 2011
New path to federal student aid for those with no high school diploma or GED
Conditional cash transfers and college persistence: Evidence from a randomized need-based grant program
Employer-paid tuition advancement for low-income workers
Promoting educational opportunity: The Pell Grant program at community colleges
The effects of in-state tuition for non-citizens: A systematic review of the evidence
National Coalition for College Completion
The bottom line: Ensuring that students and parents understand the net price of college
Reality check: Hispanic-serving institutions on the Texas border strategzing financial aid
Slip sliding away: An anxious public talks about today's economy and the American Dream
Closing the college completion gap: A guidebook for the faith community
The (un)productivity of American higher education: From cost "dis-ease"to cost effectiveness
Benefitting whom? For-profit education companies and the growth of military educational benefits
Top 10 higher education state policy issues for 2011
How to support college-bound undocumented students: Advice for parents
Dollars for degrees: Structuring post-secondary scholarships to increase student success
Trends in the receipt of Pell Grants: Selected years 1995-96 to 2007-08
Trends in student financing of undergraduate education: Selected years, 1995-96 to 2007-08
The transition to adulthood: How states can support older youth in foster care
Roadmap for ensuring America's future
Trends in for-profit postsecondary education: Enrollment, prices, student aid and outcomes
Presidential leadership for public policy: A special report by the National Center for Public Policy and Higher Education