Federal Student Loans Revisited
Lydia N. Vedmas
Novinka Books, Jan 1, 2005 - Political Science - 209 pages
Title IV of the Higher Education Act (HEA) authorises the major federal student aid programs, including the student loan programs, which are the largest source of aid for students. In FY2000, the Federal Family Education Loan (FFEL) programs and the Federal Direct Student Loan (DL) program supported an estimated $33.1 billion in new loan volume. Several types of loans are available: Federal need-based subsidised Stafford loans (under which the government pays the interest while the borrower is in school, a grace period of deferment); unsubsidised Stafford loans; Federal PLUS loans (for parents of undergraduate students); and Federal Consolidation loans. Overall, student loan volume has been increased in recent years, from $24 billion in FY1994 to $33 billion in FY2000. The number of loans being made has increased over the same period going from 6,483,000 to 8,618,000. The average amount that individual students are borrowing in any given year has not increased as dramatically. This new book examines important issues related to this cornerstone of American higher education.
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allocated amount Average amount Average amount Average award base guarantee basis points campus-based programs Center for Education costs Department of Education Dependency status Dependent Dependent student income Education Statistics eligible employees Federal Student Loans financial aid formula full-year undergraduates funds guaranty agencies Highest quartile income Lowest quartile income quartiles increased independent students interest rate lenders LIBOR loan repayment program Loans or Supplemental Loans to Students National Center National Postsecondary Student payments Pell Grants Postsecondary Student Aid public 4-year institutions publication in Trends rate of return reauthorization return on assets revised December 2001 Sallie Mae Second quartile Senate Student Aid Study student financial aid student income Lowest student loan program student loan repayment Students SLS subsidized Stafford Loans Supplemental Loans T-bill Third quartile Trends in Undergraduate Tuition and fees U.S. Department Undergraduate Borrowing Undergraduate class level unsubsidized loans year/freshman yield curve