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Student Debt and the Class of 2012
Seven in 10 college seniors (71%) who graduated last year had student loan debt, with an average of $29,400 per borrower. From 2008 to 2012, debt at graduation (federal and private loans combined) increased an average of six percent each year. Our new report, Student Debt and the Class of 2012, includes average debt levels for the 50 states and District of Columbia and for more than 1,000 U.S. colleges and universities.

Making Loans Work: How Community Colleges Support Responsible Borrowing
This report takes a closer look at how some forward-thinking community colleges in California are promoting responsible use of federal student loans - ideas that can be adopted by colleges across the country.

Recent Documents:

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TICAS Comments on the Disclosure of Consumer Complaint Narrative Data
September 22, 2014 - Comments in response to the Consumer Financial Protection Bureau’s proposed policy statement to disclose consumer complaint narratives within the Bureau’s Consumer Complaint Database.

TICAS Response to Senator Harkin’s Request for Feedback on Draft Higher Education Act Reauthorization Proposal
August 29, 2014 - Comments on Senator Harkin’s public discussion draft of the proposed Higher Education Affordability Act (HEA Act). While not exhaustive, they include both recommended changes and additions.

Protecting Colleges and Students: Community College Strategies to Prevent Default
July 22, 2014 - Protecting Colleges and Students, released by the Association of Community College Trustees (ACCT) and the Institute for College Access & Success (TICAS), takes a unique look at student loan...

At What Cost? How Community Colleges that Do Not Offer Federal Loans Put Students at Risk
July 15, 2014 - In 2013-14, nearly one million community college students across the nation were denied access to federal student loans, the safest and most affordable way to borrow for college. Our report...

Private Loans: Facts and Trends
June 27, 2014 - Private student loans are one of the riskiest ways to finance a college education. Like credit cards, they usually have variable interest rates that are higher for those who can least afford them....

Federal Student Loan Terms for 2014-15
June 26, 2014 - Summarizes loan limits, interest rates, and other terms for federal student loans from July 1, 2014 through June 30, 2015.

TICAS Letter on Senator Harkin’s Discussion Draft Higher Education Act Reauthorization Proposal
June 24, 2014 - Letter outlining support for many of the provisions included in Senator Harkin’s discussion draft Higher Education Affordability Act (HEA Act).

Data Show No Evidence of “Over-Borrowing” at Community Colleges : Colleges Don’t Need More Authority to Limit Student Aid Options
June 12, 2014 - Some community colleges have expressed concerns that their students borrow more than they need in federal loans. However, the data do not support claims of “over-borrowing” at community colleges....

Reducing Federal Loan Eligibility Would Hurt Students at For-Profit Colleges: Colleges Don’t Need More Authority to Limit Student Aid Options
June 12, 2014 - Some for-profit college industry lobbyists blame students for the high debt and default levels at their schools, claiming that their students borrow more than they need in federal loans. However,...

Streamline and Improve the Targeting of Education Tax Benefits
June 9, 2014 - One-pager on TICAS’ recommendations for ways to improve the targeting of higher education tax benefits. Our white paper, Aligning the Means and the Ends: How to Improve Federal Student Aid and...

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