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This volume presents transcripts of seven hearings held in May, 1991, on the reauthorization of the Higher Education Act of 1965. Of the hearings held in the District of Columbia the first focused on the Pell Grant and Stafford Loan programs and featured witnesses from around the country addressing educational finance. The second hearing focused on the process of accreditation, certification and licensing that determines institutional participation in the Federal student aid programs and featured witnesses from educational institutions, and professional associations. The final hearing presented the testimony of college executives, representatives of educational associations and others on Title VI (which supports international education) and Title III (concerned with institutional aid and funding for institutional facilities). The hearings in other cities provided an opportunity for legislators to hear additional suggestions and recommendations from students, teachers, administrators, institutional executives and state agencies on the reauthorization of higher education programs. Included are the prepared statements of the witnesses as well as additional statements, correspondence and supplemental material. (JB)
According to a recent study by the National Center for Education Statistics, an estimated 65 percent of recent college graduates are burdened by student loans. Although the average debt is $19,000, loans can exceed $50,000 and may be much higher for those who attend graduate school, law school, or medical school. Many students, faced with the task of repaying such a large amount of money, become overwhelmed merely thinking about it. But, using this new book, you can learn how to eliminate your student loans and be debt free. In this exhaustively researched book, you will learn everything you need to know about student loans, including grace periods, deferment, forbearance, interest rates, co-signors, exit counseling, prepayment, discharges, cancellation, default, and much more. You will create a repayment schedule; understand the various repayment options, such as graduated repayment, level repayment, income-sensitive repayment, extended repayment, serialization, and income-contingent repayment; and be able to choose the appropriate plan for your unique situation. Additionally, you will learn how to save money through consolidation, how to secure the best interest rate, how consolidating can improve your credit score, how to use lender incentive programs to save money, and how to lower interest rates. Whether you are a current student looking to get a jumpstart on repayment or you are a recent graduate trying to wade through the letters you are receiving from your lenders and consolidation companies, How to Wipe Out Your Student Loans and Be Debt Free will be an indispensable companion. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president's garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Under increasing pressure to raise graduation rates and ensure that students leave high school college- and career-ready, many school and district leaders may believe that, when students graduate with college acceptances in hand, their work is done. But as Benjamin L. Castleman and Lindsay C. Page show, summer can be a time of significant attrition among college-intending seniors—especially those from low-income families. Anywhere from 10 to 40 percent of students presumed to be headed to college fail to matriculate at any postsecondary institution in the fall following high school. Summer Melt explores the complex factors that contribute to this trend—the absence of school support, confusion over paperwork, lack of parental guidance, and the teenage tendency to procrastinate. The authors draw on findings from fields such as neuroscience, behavioral economics, and social psychology to contextualize these factors. Drawing on a series of research studies, they show how schools and districts can develop effective, low-cost, scalable responses—including counselor outreach, peer mentoring, and using text messages and social media—to help students stay on track over the summer. Summer Melt offers very practical guidance for schools and districts committed to helping their students make the transition to college.
Higher education today faces a host of challenges, from quality to cost. But too little attention gets paid to a startling fact: four out of ten students -- that's more than ten percent of the entire population - -who start college drop out. The situation is particularly dire for black and Latino students, those from poor families, and those who are first in their families to attend college. In The College Dropout Scandal, David Kirp outlines the scale of the problem and shows that it's fixable - -we already have the tools to boost graduation rates and shrink the achievement gap. Many college administrators know what has to be done, but many of them are not doing the job - -the dropout rate hasn't decreased for decades. It's not elite schools like Harvard or Williams who are setting the example, but places like City University of New York and Long Beach State, which are doing the hard work to assure that more students have a better education and a diploma. As in his New York Times columns, Kirp relies on vivid, on-the-ground reporting, conversations with campus leaders, faculty and students, as well as cogent overviews of cutting-edge research to identify the institutional reforms--like using big data to quickly identify at-risk students and get them the support they need -- and the behavioral strategies -- from nudges to mindset changes - -that have been proven to work. Through engaging stories that shine a light on an underappreciated problem in colleges today, David Kirp's hopeful book will prompt colleges to make student success a top priority and push more students across the finish line, keeping their hopes of achieving the American Dream alive.
Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.