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actual dropout rates Astin attrition bachelor's degree black students blacks attending chances of dropping chances of finishing college expenses completing college decrease dropout chances effect on persistence effects of scholarships entering college expected and actual expected dropout rates financial aid packages financial need finishing college follow-up form of aid forms of financial freshman questionnaire grants show increase in dropout institutions leaving college major grant support major loan support major source married students middle-income negative effect nonrecipients parental aid parental support participation in work-study portunity positive effect predominantly white colleges provide major support receive major support reduction in dropout Reliance on loans Reliance on savings scholarship aid scholarship recipients scholarship support scholarships and grants scholarships or grants small number source of support sources of aid spousal support stay in college stopouts student persistence student's chances students attending students who receive support is associated undergraduate variables