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Debt levels
The maximum amount that any student can borrow is adjusted as federal policies change. Current loan limits are below the cost of most four year private institutions and most flagship public universities, and students therefore typically borrow higher cost private student loans to make up the difference. Scholars have advocated increasing federal debt limits to reduce the interest charges to student debtors.
The maximum amount that any student can borrow is adjusted as federal policies change. A study published in the winter 1996 edition of the Journal of Student Financial Aid, "How Much Student Loan Debt Is Too Much?" suggested that the monthly student debt payment for the average undergraduate should not exceed 8% of total monthly income after graduation. Some financial aid advisers have referred to this as "the 8% rule." Circumstances vary for individuals, so the 8% level is an indicator, not a rule set in stone. A research report about the 8% level is available at the Iowa College Student Aid Commission.
The Economist reported in June 2014 that U.S. student loan debt exceeded $1.2 trillion, with over 7 million debtors in default. Public universities increased their fees by a total of 27% over the five years ending in 2012, or 20% adjusted for inflation. Public university students paid an average of almost $8,400 annually for in-state tuition, with out-of-state students paying more than $19,000. For two decades ending in 2013, college costs have risen 1.6% more than inflation each year. Government funding per student fell 27% between 2007 and 2012. Student enrollments rose from 15.2 million in 1999 to 20.4 million in 2011, but fell 2% in 2012.
AF Sitemap
- Education Topics
- Achievement Gap
- Alternative Education
- Assessment & Evaluation
- Educational Leadership
- Educational Philosophy
- Educational Research
- Educational Technology
- Educational Videos
- Education Economics
- Education Environment
- Education Issues
- Education Policy
- Education Psychology
- Education Reform
- Education Theory
- Education Worldwide
- Federal Education Legislation
- Homeless Education
- Homeschooling in the United States
- Migrant Education
- Neglected/Deliquent Students
- Pedagogy
- Sociology of Education
- Special Needs
- National Directories
- After School Programs
- Alternative Schools
- The Arts
- At-Risk Students
- Camps
- Camp Services
- Colleges & Universities
- Counties
- Driving Schools
- Educational Businesses
- Financial Aid
- Higher Education
- International Programs
- Jewish Community Centers
- K-12 Schools
- Language Studies
- Libraries
- Organizations
- Preschools
- Professional Development
- Prom Services
- School Assemblies
- School Districts
- School Field Trips
- School Health
- School Supplies
- School Travel
- School Vendors
- Schools Worldwide
- Special Education
- Special Needs
- Study Abroad
- Teaching Abroad
- Volunteer Programs
- Youth Sports
- For Schools
- Academic Standards
- Assembly Programs
- Blue Ribbon Schools Program
- Educational Accreditation
- Educational Television Channels
- Education in the United States
- History of Education in the United States
- Reading Education in the U.S.
- School Grades
- School Meal Programs
- School Types
- School Uniforms
- Special Education in the United States
- Systems of Formal Education
- U.S. Education Legislation
- For Teachers
- Academic Dishonesty
- Childcare State Licensing Requirements
- Classroom Management
- Education Subjects
- Educational Videos
- Interdisciplinary Teaching
- Job and Interview Tips
- Lesson Plans | Grades
- Professional Development
- State Curriculum Standards
- Substitute Teaching
- Teacher Salary
- Teacher Training Programs
- Teaching Methods
- Training and Certification
- For Students
- Academic Competitions
- Admissions Testing
- At-Risk Students
- Career Planning
- College Admissions
- Drivers License
- Educational Programs
- Educational Television
- Educational Videos
- High School Dropouts
- Higher Education
- School Health
- Senior Proms
- Sex Education
- Standardized Testing
- Student Financial Aid
- Student Television Stations
- Summer Learning Loss