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New Student Debt Report Looks at Those Who Borrow Most

Apr 27, 2010

by Scholarships.com Staff

While many students – and their parents – will say no amount of student loan debt is ideal, a new report has zeroed in on those at the top of the pile, those who borrow most and may be most at risk for defaulting on their loans and running the risk of hurting their credit scores.

The newest student debt story comes from a report released yesterday by the College Board Advocacy and Policy Center, which looked at data from 2007-2008 graduates who participated in the “National Postsecondary Student Aid Study.” It paid particular attention to the 17 percent of all bachelor’s degree recipients in that year who graduated with at least $30,500 in student loans. Of those, one in six had average student loan bills of $45,700, with much of those loans coming from private lenders who typically lend to students at higher interest rates.

An article in The Chronicle of Higher Education focused on one particular detail included in the report – that those who borrow more are disproportionately black. Although the sample size was small, and the report’s researchers were hesitant to place too much importance on any breakdowns based on race, the numbers did show some differences in that category. According to the study, 27 percent of black bachelor’s degree recipients borrowed $30,500 or more, compared to 16 percent of white graduates, 14 percent of Hispanic students, and 9 percent of Asian students. Those numbers have little to do with income, however. Middle-class students tended to borrow more than those coming from low-income households, perhaps suggesting that those are the students who are more likely to attend private colleges rather than public institutions.

How else did the report describe those students who borrowed most?

  • The frequency of high debt is higher among independent students than among dependent students (24 percent graduated with at least $30,500 in debt).
  • Students who graduated from for-profit institutions are much more likely to have high debt levels than other students.
  • Private loans are most prevalent among students with family incomes of $100,000 or higher.
  • Although black graduates have the highest debt totals, Asian students rely more on private loans. About 12 percent of Asian graduates had no federal loans, with 68 percent of their student loan debt coming from non-federal sources.
  • Higher-income parents of bachelor’s degree recipients are more likely than those with incomes below $60,000 to take out PLUS Loans, and borrow more when they do. Thirty percent of the lowest-income parents borrowed an average of $22,400 in PLUS Loans, while 47 percent of those with incomes of $100,000 or higher borrowed an average of $41,500.

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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Making the Choice: Tips for Comparing Financial Aid Packages

Apr 15, 2010

by Scholarships.com Staff

As students begin evaluating their offers of acceptance from colleges, one factor may weigh more heavily than any other on the tough decisions of choosing the right school - financial aid. The financial aid opportunities School A offers to incoming freshmen that School B does not may be what makes or breaks the decision on where a student will enroll, even if School B is the student's "dream school." Comparing financial aid offers is then an integral process in the decision-making process, and unfortunately you don't have a lot of time to send your notice back to each school you've been accepted to. Here are some tips to navigate the process, and help you determine how to find the "best value":

  • Compare the scholarships and grants available at each school. Have you already been offered either, or has the school simply notified you of your eligibility for more free funding?
  • Compare student loan amounts. What may seem like the best offer at first may actually be anchored by a significant amount of student loan debt. Student loans should be your last resort as far as covering college costs.
  • Compare your expected family contributions. Schools may handle this piece of information differently, and may even accept more information about your family's financial situation after you've received your financial aid package. It's fine to question a school's offer, especially if there are big discrepancies between what each school is offering you.
  • Compare the tuition and fees of each school, and what that financial aid package covers. Some schools may offer you what appears to be an impressive amount of aid based on the cost of tuition alone, and you already know college costs include a lot more than that base price - fees, books and supplies, and room and board, for example.
  • Be aware of what you're eligible to receive next year. Some schools may offer a more impressive financial aid package to incoming freshmen, and pad students' offers the following year with more student loans. Do your research. Compare average student loan debts at each school, talk to students already attending each school, and be frank with your financial aid administrator.
Some students may have been lucky enough to have been accepted into a program that has offered them a tuition-free education. A recent article in USA Today took a look at colleges that offer to pay the tuition of all new students, despite all you've already read about tuition and fee increases across the country. Some are military schools that require a commitment from you to serve in the military post-graduation, but others are schools where there exists a need for new graduates, either due to the school's locations or lack of graduates in certain fields of study. Webb Institute, the Cooper Union for the Advancement of Science and Art, and the College of the Ozarks, for example, all offer tuition-free educations to students. Do you know of more? Tell us about them!

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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Student Loan Bill May Become Part of Health Care Package

Mar 12, 2010

by Scholarships.com Staff

To compensate for stalled negotiations on both health care legislation and a bill that would overhaul the country's student loan program and improve college students' access to federal aid, Democratic leaders proposed a solution yesterday that would move both of those hot-button issues forward—combine them, and pass them as one.

Both the comprehensive health care bill, which would guarantee health insurance to 30 million uninsured Americans, and the student loan bill, which would replace private lending with direct lending through the government and increase Pell Grant maximums, have faced opposition as Democrats work to pass both through Congress before the November mid-term elections. To kill two birds with one stone, Democratic legislators proposed bundling the two bills into one last night, not only to give the proposals a better chance at passage, but to keep them alive long enough for a vote by the full Senate and House.

An article in the New York Times yesterday describes the strong support a dual measure already has among the Democrats, suggesting that adding the student loan bill to the more expansive health care legislation would improve the health care bill's chances at passage. (Providing college students with more access to federal aid is undoubtedly more popular and less controversial than crafting a reasonable health care bill.)

The student loan bill had already passed in the House. Recent predictions have the government saving about $67 billion by going to direct lending; that new funding would go toward Pell Grants and other education programs. (A rise in the number of people attending college and seeking aid in the weak economy has raised the projected cost of new Pell Grants to $54 billion from $40 billion, according to the New York Times.) The student loan bill has been a consistent goal of President Obama's, as lenders have come under fire for a lack of oversight,  rising student loan default rates, and contributing to excessive debt among college students. Effectively, the bill would put an end to direct-to-student private loans, which students can borrow without even informing the financial aid office, and which can be taken out for more than the student’s cost of attendance for the academic year.

The private student loan industry has obviously not been very supportive of the bill, and Republicans have questioned whether giving the government control over the student loan industry is really a wise choice.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Know Your Tax Benefit Options This Filing Season

Feb 3, 2010

by Scholarships.com Staff

Whether you're an independent filing your own taxes, or a dependent whose parents or guardians are covering a good portion of your tuition, it's a good idea to be aware of the tax credits and tax benefits you and your family members could be eligible for this filing season.

The federal government has estimated that up to 2 million tuition-paying Americans will receive as much as $2,500 back on their taxes when they file in both 2010 and 2011 by taking advantage of the American Opportunity Tax Credit. That credit was established through the American Recovery and Reinvestment Act. The American Opportunity Tax Credit, which can be claimed for tuition and certain fees you pay for higher education in 2009 and 2010, is targeted at low- and middle-income families, and isn't available to single filers earning more than $90,000 a year or couples earning more than $180,000. Even those who owe no taxes due to how little they make may receive refunds of up to $1,000.

The American Opportunity Tax Credit expanded (and renamed) the already existing Hope Credit. How did the two compare? 

  • The Hope Credit applied only to the first two years of college. The American Opportunity Tax Credit can be claimed for expenses for the first four years of post-secondary education.
  • The American Opportunity Tax Credit is a $700 increase over the Hope Credit.
  • The term "qualified tuition and related expenses" has been expanded to include expenses used for "course materials," which means books, supplies, and equipment needed for a course of study.
  • A qualified, nontaxable distribution from a Section 529 plan during 2009 or 2010 now includes the cost of the purchase of any computer technology, equipment, or Internet access and related services, if such purchases will be used by the beneficiary of the plan and the beneficiary's family during the time those beneficiaries are enrolled in an institution of higher education.

Other important facts before you file for an American Opportunity Tax Credit:

  • The credit is claimed using Form 8863, attached to Form 1040 or 1040A.
  • You have to choose between tax credits. You cannot claim the tuition and fees tax deduction in the same year that you claim the American Opportunity Tax Credit or the lifetime learning credit. (You should choose which one will offer you the best refund. It's fine to take advantage of all of your options.)
  • 60 percent of the American Opportunity Tax Credit is nonrefundable, so if your credit exceeds your tax, the difference isn't refunded to you.

Make sure you and your family are prepared this tax season, because the federal government does offer perks to going to - and paying for - higher education.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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White House Proposes Federal Budget Freeze

Jan 27, 2010

by Scholarships.com Staff

Immediately on the heels of an announcement that President Obama would be calling for additional assistance to college graduates struggling to repay student loans, the administration also unveiled a proposal to hold federal discretionary spending to current levels for the next three years, a move that could potentially have serious implications for colleges and students.

Currently, most federal education spending, including student financial aid, is discretionary, not mandatory, so it would fall under the umbrella of the budget freeze. This makes it possible that students will see limited increases to federal grants, work-study, and subsidized student loans in the coming years. The White House has pledged to make education a funding priority, but with states and colleges also struggling financially, it’s quite possible that financial aid programs will see an end to the boost in financial support they’ve received in the last few years.

It’s possible one federal aid program, at least, may be spared from the budget freeze. Last year, President Obama proposed making the Pell Grant an entitlement, putting it in the category of Medicare and other programs that would be exempt from the budget freeze, but the bill to do so still has not passed the Senate. If the bill passes, Pell funding will be mandatory and increases in Pell Grants will be tied to inflation, guaranteeing students a small, but steady, increase in available aid. If not, it’s up to Congress to allocate limited resources for any increases in grant amounts, and with increases in the numbers of college attendees, applications for financial aid, and Pell Grant recipients, it may be all Congress can do to hold funding levels steady for the next three years.

As details of federal and state budgets emerge, and emergency legislation that temporarily boosted funding to schools and student aid begins to be revisited and possibly phased out, exact changes to college funding will become clearer. Already, though, many families are finding paying for college increasingly challenging, even with the aid of college scholarships and grants. There’s a possibility that a federal budget freeze could mean that students in the next few years will see a situation similar to the one that faced students at the start of the last decade, where tuition increased rapidly while federal aid held steady and more and more students came to rely on private student loans.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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FAFSA Moves Toward Simpler Form

Jan 5, 2010

by Scholarships.com Staff

It's January, which means it's time to start thinking about completing a new FAFSA (Free Application for Federal Student Aid) for the 2010-2011 school year. This can be a long, complicated process for parents and students, but the Department of Education has begun taking steps to make the form easier to complete.

In a presentation to high school students and school counselors in Washington, DC today, Education Secretary Arne Duncan and other officials demonstrated the 2010 FAFSA, which went online January 1. While the paper form remains roughly the same length, at 107 questions, changes have been made to the online application to allow applicants to skip several questions that don't apply to them. A few other changes have also been made to make the website easier to navigate and the form easier to complete. These steps will hopefully speed up students' application processes and reduce confusion.

Progress is also being made on syncing the FAFSA and tax information from the IRS. In late 2009, the Department of Education announced that beginning in 2010, some students would be able to access a new tool that would allow them to import their 2008 tax information into a 2009-2010 FAFSA. The tool is expected to go live later this month, with work continuing on making the feature available to everyone.

According to Nextgov, one of the main barriers still remaining is a conflict between state FAFSA deadlines and the dates 2009 tax information will be available on the IRS website. Currently, previous year tax information goes online in the middle of the year, after many state deadlines have passed for FAFSA filing. The Department of Education and the IRS are working to find a solution to this problem to make the data transfer tool more widely useful. Other tweaks are likely to be made once the pilot program gets underway.

Legislation currently in Congress may further simplify the FAFSA by eliminating additional questions that many deem unnecessary. While the financial aid application process is likely to remain long and complicated for the foreseeable future, concrete steps are being taken to make it shorter and simpler, and it appears the movement is gaining momentum.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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FAFSA Available Starting Tomorrow, Jan. 1

Dec 31, 2009

by Scholarships.com Staff

One of the most important steps you'll need to take in the financial aid application process is applying for the Free Application for Federal Student Aid, or FAFSA. The Department of Education starts accepting the FAFSA Jan. 1 of each year, which just so happens to be tomorrow. So start your new year off right by filing that financial aid document, or filing a renewal FAFSA if this isn't your first time. State financial aid deadlines fall as early as February, so it's best to get a head start and know how much funding you can expect come next fall.

Both the FAFSA and renewal FAFSA are available online through Federal Student Aid, an office of the U.S. Department of Education. Completing the FAFSA online will speed up processing and leave less time for you to worry about how much financial aid you'll be receiving. Remember that it doesn't cost anything to fill out your FAFSA - the FAFSA is free - and some agencies will charge you for filling the application out for you. Once you complete the online form, you’ll be able to check its status, make any corrections as needed, and print your Student Aid Report once that is ready. (Your Student Aid Report summarizes what you've filled out on your FAFSA, and provides you with an Expected Family Contribution, or the total you and your family would be expected to come up with to fund your education.) If you aren’t comfortable filling out your FAFSA online, you can submit a paper form, but it does take longer to process than the online form.

In order to complete your FAFSA, you'll need the following:

  • your Social Security number
  • your driver’s license number (if you have one)
  • your bank statements and records of investments (if you have any)
  • your records of untaxed income (if you have any)
  • your most recent tax return and W2s (2008 for the 2009-2010 FAFSA)
  • all of the above from your parents if you are considered a dependent
  • an electronic PIN to sign the form online

We have a number of resources available to those filling out their FAFSAs and preparing to apply for federal aid. Browse through our site so that you know exactly where to begin, what to expect, and how to file the application successfully, because if you do make mistakes you may delay the processing of your FAFSA. Happy New Year!

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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Tool Syncing FAFSA with IRS Data to Debut in January

Dec 4, 2009

by Scholarships.com Staff

For students used to syncing just about every website they visit with Facebook, the amount of manual data entry involved in applying for financial aid can seem completely alien and unnecessary. In fact, many students who would qualify for aid either fail to complete the FAFSA or do so incorrectly, due to the confusing and time-consuming nature of the application process.

Members of the higher education community were concerned about this, as well, so when Congress renewed the Higher Education Act last year, they included a provision to update the FAFSA to make it easier for families to complete. The proposed changes will go into effect in 2010, and some students could be seeing a simpler FAFSA as soon as January.

Under the new system, students completing the FAFSA on the Web will be able to automatically fill in their FAFSA with relevant information from their previous year's tax return. Starting in January, select users who click on "Fill Out Your FAFSA" will be asked if they'd like to access the IRS Data Retrieval Tool to do so. From there, they can enter their Federal Student Aid PIN then be taken to the IRS website where they can retrieve their tax information and click "Transfer Now" to automatically fill in the applicable lines on the FAFSA form. Dependent students will have to repeat this process for their parents' information.

While it still involves multiple steps and websites, the new process is a significant improvement over the current process of hunting for your tax return, begging your parents for their tax returns, sorting through pages of numbers and instructions, and carefully transcribing numbers from one form to another each year. The Department of Education hopes that the more automated and streamlined FAFSA will reduce errors and encourage more students to apply for federal student financial aid.

Only a small group of students who are filing a FAFSA for the current academic year will see the new FAFSA completion options in January. The option will be available for all FAFSA filers for 2010-2011 in July. Although you may be stuck filling out your FAFSA the old way next year, you can at least take some comfort in the knowledge that this will be the last time.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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Survey Shows Students Know Too Little About College Aid

Oct 22, 2009

by Scholarships.com Staff

Can college students correctly answer basic questions about federal student financial aid? Researchers from CALPIRG, the California Public Interest Research Group, sought to find out, asking California community college students three questions about financial aid. The results of the survey were published this week. The majority of students did not do so well, with over half of students answering one or zero questions correctly.

How would you do? Students were asked to say whether the following three statements were true or false (the questions below are paraphrased from the report):

  1. I have to go to school full time to be eligible for financial aid.
  2. Taking more classes per term could increase my financial aid award.
  3. Financial aid can be used to cover expenses beyond tuition and fees, such as living expenses.

The answers:

  1. False. You do not have to go to school full time to be eligible for financial aid. Students enrolled at least half-time are able to apply for and receive federal student financial aid, including Pell Grants and Stafford Loans. Only 47 percent of students surveyed answered this correctly.
  2. True. If your tuition goes up, your aid award can go up, especially when it comes to federal work-study and low-interest student loans. Additionally, students who move from half-time to three-quarter-time or full-time enrollment can see an increase in Pell Grant awards and also potentially become eligible for more college scholarships and grants. Half of students answered this correctly.
  3. True. Financial aid can be used to cover college expenses including food, rent, car maintenance, books, computers, and other essentials. These items are included in the living expenses portion of the cost of attendance figure used by the financial aid office to calculate your aid eligibility. Students surveyed did the best on this question, with 54 percent answering correctly.

Knowing About Aid Can Boost College Success: At this point, it's becoming fairly well-documented that not enough community college students apply for federal student financial aid, despite the fact that many are eligible. While some students don't apply because their schools do not participate in federal aid programs, others don't apply because they don't know they're eligible for aid. The results of the CALPIRG survey suggest that this is a fairly substantial group of students. Namely, 13 percent of students surveyed didn't get a single question right, 44 percent of students answered only one question correctly, and only 2 percent of students who did not apply for aid got all 3 questions, compared to 10 percent of students overall.

Additionally, the survey shows that many students are loan-averse, with almost half of students saying they would drop a class or an entire semester than take out a student loan to cover books or other expenses, and students showing nearly as much willingness to put their books on a credit card than to take out a federal loan for books.  A full 57 percent of surveyed students saying they would only borrow as a last resort or would not borrow for college at all. With additional research suggesting that many community college students are not balancing work and college effectively and that their reluctance or inability to borrow is hurting their chances of graduating, more financial aid education is important.

Community college students are not the only college students who may need help learning about financial aid. If you found that you answered one or more question incorrectly, you may want to review information about paying for school. We have a wide variety of student resources available that can help you learn about financial aid programs and requirements and maximize the amount of aid you receive.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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The State of Federal Student Financial Aid

Mar 3, 2009

by Scholarships.com Staff

With all the talk about spending and stimulus legislation and bailouts, it can be easy to lose track of what benefits taxpayers can actually expect to receive. Most likely, everyone knows that the American Recovery and Reinvestment Act, perhaps better known as “the stimulus,” will create jobs through funding “shovel-ready” projects and will put a little extra in paychecks through a tax rebate that will take effect this summer.  You probably also know that there’s also financial aid in there for education, but you may not be sure exactly what.

Frankly, so much federal legislation and talk of change has been floating around in the last two years that anyone who last paid a tuition bill as recently as 2007 probably doesn’t even recognize financial aid in 2009.  To help, we’ve prepared a breakdown of where student financial aid stands currently.

Pell Grants. The American Recovery and Reinvestment Act increased the maximum Federal Pell Grant award from $4,731 for 2008-2009 to $5,350 for 2009-2010.  The maximum Pell award will go up again in 2010-2011 to $5,500 under this legislation.

The income threshold to qualify for federal grant programs also increased.  Now students with an expected family contribution (a number determined by completing the FAFSA) of up to $4,671 (up from $4,041 this year) can qualify for Pell grants.  They will not receive the whole award, but even the minimum award has increased—from $400 for full-time students in 2007-2008 to $976 for the same group in 2009-2010, due in part to the College Cost Reduction and Access Act, which increased all Pell awards by $490.

Students qualifying for Federal Pell Grants can also pick up additional college funding through Academic Competitiveness Grants or SMART grants, which include Pell eligibility in their criteria.  Many non-federal college scholarships and grants also use Pell eligibility to determine awards, so the newly Pell-eligible will definitely want to do a scholarship search to see what’s out there.

Work-Study. More students will also see “federal work-study” on their financial aid award letter in 2009-2010 thanks to the economic stimulus legislation.  More money is available to work-study programs that allow students to get a part-time job on (or occasionally off) campus and count the income as financial aid.  Work-study programs provide great job opportunities for student workers, and since the money is given in the form of a paycheck, students can use these funds to pay their tuition bills or to cover living expenses.

Tax Benefits. One of the biggest perks of the American Recovery and Reinvestment Act is the creation of the American Opportunity Tax Credit, which replaces the Hope Credit.  The tax benefits under Hope only went up to $1,800 and only could be taken for two years.  The American Opportunity Tax Credit can be used for four years, can fund up to $2,500 of college costs (100% of the first $2,000 plus 25% of the next $2,000, for a total of $2,500), and up to 40% is refundable, so people who don’t pay as much in taxes as they would qualify to receive in the credit can still get something.

Additionally, the income level at which the American Opportunity Tax Credit phases out is higher than the Hope credit, allowing individuals with incomes of up to $90,000 and married couples with incomes of up to $180,000 to take it.

Families will be able to start taking advantage of the American Opportunity Tax Credit on their 2009 taxes.

Other Benefits. Much more is included in the American Recovery and Reinvestment Act.  For example, students with 529 savings plans can now use that money to purchase a computer for school.  Additionally, states will receive billions of dollars over the next two years, with a portion of the money devoted specifically to funding projects at public institutions of higher education, as well preventing or reversing massive reductions in state education spending.

While student loans stayed the same in the stimulus, they did receive a boost in the fall through the continuation of the Ensuring Continued Access to Student Loans Act, as well as other recent legislation, including some new aid to lenders.

If you’d like to read more about how recent legislation has affected paying for college, our blog archives feature breakdowns of the 2007 College Cost Reduction Act, the 2008 Higher Education Opportunity Act, the 2008 Ensuring Continued Access to Student Loans Act, the 2008 GI Bill, and more examples of what's going on with college in Congress.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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