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Descriptors:
Undergraduate Students; Financial Needs; Student Loan Programs; Student Financial Aid; Budgets; Student Characteristics; Student Employment; Federal Aid; Federal Programs; Paying for College; National Surveys; Higher Education

Abstract:
Using data from the 2007-08 National Postsecondary Student Aid Study (NPSAS:08), this Statistics in Brief examines the extent to which undergraduate students borrow the maximum possible within the limits of the Stafford loan program (the program maximum) and their own financial need and student budgets (the individual maximum). Students who borrowed the maximum allowed based upon the lesser of their individual eligibility or the Stafford loan program maximum are referred to as those who "borrowed at their individual maximum." The characteristics of students borrowing at their individual maximum and the use of additional sources of financing by these students are addressed. The Brief also includes a description of how borrowing at the program maximum level changed between 1989-90 and 2007-08. Key findings include: (1) Among undergraduates who took out a subsidized Stafford loan between 1989-90 and 2007-08, the percentage of those borrowing the program maximum immediately decreased each time Stafford loan limits were raised, but as time went by it grew again; (2) In 2007-08, about two-thirds (66 percent) of subsidized Stafford loan borrowers took out their individual maximum in subsidized Stafford loans, as limited by the lesser of their financial need and the program maximum. About 6 in 10 (59 percent) of those who took out any Stafford loans (subsidized and unsubsidized combined) borrowed the most they could, as limited by the lesser of their total price of attendance and the program maximum; (3) Differences in the use of other types of loans (such as private loans and Parent PLUS loans) were greater between those who took out a Stafford loan and those who did not, than between borrowers who took out the maximum allowed and those who took out less. About 30-31 percent of those who took out a Stafford loan also took out a private loan, compared with 6 percent of those who did not take out any Stafford loans. Among dependent students, about 16-18 percent of Stafford loan borrowers had parents who took out a Parent PLUS loan, compared with 0.8 percent of dependent undergraduates who did not take out any Stafford loans; and (4) In terms of work intensity, the percentage of students who worked full time while enrolled was lowest among Stafford loan borrowers who took out the maximum amount (26 percent), compared with those who took out less than the maximum (33 percent) and those who did not borrow (37 percent). (Contains 5 figures, 4 figures and 9 footnotes.) Note:The following two links are not-applicable for text-based browsers or screen-reading software. Show Hide Full Abstract

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 ERIC Full Text (865K)

Descriptors:
Postsecondary Education; Educational Attainment; Academic Persistence; Transfer Rates (College); School Holding Power; Withdrawal (Education); College Graduates; Longitudinal Studies; Public Colleges; Two Year Colleges; Private Colleges; Proprietary Schools; Undergraduate Students; Associate Degrees; Bachelors Degrees; Enrollment; Student Characteristics

Abstract:
In the 2003-04 academic year, approximately 4 million undergraduates began postsecondary education for the first time, enrolling in a wide variety of institutions, including 4-year colleges and universities, public 2-year community colleges, and for-profit institutions offering career-oriented and vocational programs. These Web Tables cover the enrollment experiences of a representative national sample of these 2003-04 first-time postsecondary students over a period of 6 academic years, from 2003-04 to 2008-09, and provide information about the rates at which these students completed degrees or certificates, transferred to other institutions, and left postsecondary education without attaining any degrees or certificates. The data are based on the 2003-04 Beginning Postsecondary Students Longitudinal Study, Second Follow-up (BPS:04/09). The tables are grouped into six sections. Section 1 presents the distribution of the first-time postsecondary students by demographic and enrollment characteristics within degree programs and within the types of institutions that they first attended. Section 2 presents 6-year attainment and persistence rates "at any institution." Section 3 presents the 6-year rates of attainment and retention "at the first institution attended." Section 4 presents 2003-04 first-time postsecondary students' 6-year persistence and attainment rates "at any institution" by the type of program (certificate, associate's degree, or bachelor's degree) in which they were enrolled during their first year (2003-04). Section 5 presents the year-by-year cumulative rates at which these students (1) withdrew from postsecondary education without a degree and (2) withdrew without a degree from the first institution attended. Section 6 presents information about the 2003-04 first-time postsecondary students who transferred, including both those who transferred without a degree as well as those who had attained a certificate or an associate's degree before transferring. A glossary is included. (Contains 228 tables and 5 endnotes.) Note:The following two links are not-applicable for text-based browsers or screen-reading software. Show Hide Full Abstract

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 ERIC Full Text (5732K)

Descriptors:
Postsecondary Education; Academic Persistence; Educational Attainment; Transfer Students; School Holding Power; Withdrawal (Education); Undergraduate Students; Graduation Rate; Longitudinal Studies; Enrollment; Two Year Colleges; Public Colleges; Private Colleges; Proprietary Schools; Associate Degrees; Bachelors Degrees; Student Characteristics; Grade Point Average; At Risk Students; Tables (Data)

Abstract:
In the 2003-04 academic year, approximately 4 million undergraduates began postsecondary education for the first time, enrolling in a wide variety of institutions, including 4-year colleges and universities, public 2-year community colleges, and for-profit institutions offering career-oriented and vocational programs. These Web Tables cover the enrollment experiences of a representative national sample of these 2003-04 first-time postsecondary students over a period of 6 academic years, from 2003-04 to 2008-09, and provide information about the rates at which these students completed degrees or certificates, transferred to other institutions, and left postsecondary education without attaining any degrees or certificates. The data are based on the 2003-04 Beginning Postsecondary Students Longitudinal Study, Second Follow-up (BPS:04/09). The tables are grouped into six sections. Section 1 presents the distribution of the first-time postsecondary students by demographic and enrollment characteristics within degree programs and within the types of institutions that they first attended. Section 2 presents 6-year attainment and persistence rates "at any institution." Section 3 presents the 6-year rates of attainment and retention "at the first institution attended." Section 4 presents 2003-04 first-time postsecondary students' 6-year persistence and attainment rates "at any institution" by the type of program (certificate, associate's degree, or bachelor's degree) in which they were enrolled during their first year (2003-04). Section 5 presents the year-by-year cumulative rates at which these students (1) withdrew from postsecondary education without a degree and (2) withdrew without a degree from the first institution attended. Section 6 presents information about the 2003-04 first-time postsecondary students who transferred, including both those who transferred without a degree as well as those who had attained a certificate or an associate's degree before transferring. Section 7 shows the bachelor's degree completion rates in 4 years or less, in 5 years, or in 6 years of 2003-04 first-time postsecondary students who started in bachelor's degree programs at public and at private nonprofit 4-year institutions. A glossary is included. (Contains 228 tables and 5 endnotes.) Note:The following two links are not-applicable for text-based browsers or screen-reading software. Show Hide Full Abstract

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 ERIC Full Text (5731K)

Descriptors:
Paying for College; Graduate Students; Graduate Study; Professional Education; Student Financial Aid; Federal Aid; Student Loan Programs; Grants; Private Financial Support; Student Employment; Student Costs; Enrollment; Student Characteristics

Abstract:
In 2007-08, graduate and first-professional students received a total of $36.7 billion in federal loans; federal grants; and grants from institutions, employers, and other sources (College Board 2008, figure 2b). In addition to these funds, they also received teaching and research assistantships and sought loans from private sources. These Web Tables provide detail on the sources of funds that graduate students used to finance their education and how their use of these funding mechanisms changed between 1995-96 and 2007-08. The data presented were collected through four administrations of the National Postsecondary Student Aid Study (NPSAS): 1995-96, 1999-2000, 2003-04, and 2007-08. The tables are organized into four sections. The first series of tables present trends in the total financial aid students received from each of the major types of aid--grants, loans, and assistantships--during the four survey years. The second series of tables present trends in aid receipt by aid source, distinguishing among aid received from the federal government, institutions, employers, and other private sources, during each survey year. The third and fourth series of tables present trend data on students' employment while enrolled and on the cost of graduate education, respectively, during each survey year. A glossary is included. (Contains 20 tables and 3 endnotes.) Note:The following two links are not-applicable for text-based browsers or screen-reading software. Show Hide Full Abstract

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 ERIC Full Text (630K)

Descriptors:
Graduate Students; Graduate Study; Professional Education; Paying for College; Tuition; Debt (Financial); Student Loan Programs; Statistical Data; Educational Trends; Student Financial Aid; Profiles

Abstract:
From 1995 to 2007, fall enrollment for graduate and professional students increased by 30 percent, from 2 to 2.6 million students (Snyder, Dillow, and Hoffman 2009, tables 206 and 207). Average tuition and fees also went up over this same period; the average full-time tuition and fees paid by graduate students increased 37 percent, in inflation-adjusted terms, from $9,100 to $12,500 (Snyder, Dillow, and Hoffman 2009, table 334). These Web Tables show borrowing rates, average loan amounts, and other aspects of borrowing for graduate students from 1995-96 to 2007-08, using data from four separate administrations of the National Postsecondary Student Aid Study (NPSAS): 1995-96, 1999-2000, 2003-04, and 2007-08. Table 1 profiles graduate and professional students by degree program, attendance intensity, and institution type through the survey years. Table 2 displays trends in the average total price of attendance and tuition and fees by degree program, attendance intensity, and institution type. Tables 3 and 4 show trends in the rate of borrowing and the average amount borrowed from any source for federal loans by degree program, attendance intensity, and institution type. Tables 5 and 6 present trends in graduate students' borrowing rates and average cumulative amounts for those who borrowed only as undergraduates, those who borrowed only as graduate students, and those who borrowed at either level. The data are presented by degree program, attendance intensity, and institution type. Table 7 presents the percentage of graduate borrowers who received other types of financial aid by degree program, attendance intensity, and institution type. Table 8 details trends in the average ratio of loans to total aid for graduate borrowers by degree program, attendance intensity, and institution type. Table 9 compares percentages of graduate students borrowing the full annual Stafford maximum, those borrowing less than the maximum, and those who took no Stafford loan by degree program, attendance intensity, and institution type. A glossary is included. (Contains 18 tables and 3 endnotes.) Note:The following two links are not-applicable for text-based browsers or screen-reading software. Show Hide Full Abstract

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 ERIC Full Text (769K)