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26 mai 2013

House Passes Bill Tying Student-Loan Interest Rates to the Market

By Kelly Field. Defying a threatened presidential veto, Republicans in the House of Representatives passed a bill on Thursday that would tie student-loan interest rates to the free market. If enacted, the bill, HR 1911, would prevent interest rates on subsidized Stafford loans from doubling on July 1, and put an end to the temporary fix that has kept rates low over the past year. But the bill faces long odds in the U.S. Senate, where Democratic leaders are calling for another extension of the current rate, to give lawmakers more time to craft a new formula. Under current law, student-loan interest rates are set by Congress and are often out of sync with the broader market. Read more...

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26 mai 2013

Degree mobility + loans doesn’t work Karina Ufert

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By Rebecca Warden. Just a few weeks ago, the highest decision-making body of the European Students’ Union (ESU) – the board, composed of 47 national student unions from 39 countries – adopted a resolution calling for the scrapping of the idea of introducing a European Masters Degree Loan Guarantee Scheme. Earlier, the ESU had voiced serious concerns about this new instrument, included in the new Erasmus for All proposal as part of the multiannual financial framework (MFF) from 2014-20. ESU’s detailed position on the scheme can be found here. Read more...

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25 mai 2013

Concerns on Loan Denials

By Libby A. Nelson. Since the Education Department changed its underwriting standards for loans to students’ parents in 2011, 400,000 parents have been denied the loans. The denials have fallen disproportionately on historically black colleges and universities, whose leaders pleaded with the Obama administration Tuesday to reconsider the policy.
“Our students and families are in crisis now,” Michael Lomax, president and chief executive officer of the United Negro College Fund, told Education Department officials Tuesday. Lomax spoke at a hearing at which department officials sought input in advance of a new round of negotiated rule-making, which will consider underwriting standards for PLUS loans, among many other topics. Read more...

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20 mai 2013

La dette des étudiants américains causera-t-elle la prochaine crise économique?

Les Etats-Unis compteront près de deux millions de diplômés supplémentaires cette année. ABC News se demande combien parmi ces jeunes étudiants regretteront le passage par l’université, en particulier les frais engagés pour obtenir le précieux sésame. Car les quatre années passées à étudier et à faire la fête coûtent cher. En moyenne, les étudiants américains sortent de l’université avec une dette de 26.000 dollars (soit environ 20.000 euros), lit-on sur le New York Times dans une tribune de l’économiste et prix Nobel Joseph Stiglitz. C’est 40% de plus qu’il y a sept ans.
Les plus endettés vont jusqu’à demander des prêts de 100.000 dollars (77.000 euros), bien au-delà de leur capacité de remboursement. Derrière des montants faramineux se cache une inégalité profonde de la société américaine. Selon Stiglitz, cette crise est intimement liée à celle des subprimes, qui a déclenché la tourmente financière en 2008. Suite de l'article...

Na Stáit Aontaithe beagnach dhá mhilliún níos mó céimithe i mbliana. ABC Nuacht iontais cé mhéad de na mac léinn óga brón rith ag an ollscoil, go háirithe na costais a fháil ar an lómhar. Le ceithre bliana anuas ag staidéar agus ag partying daor. Ar an meán, saoire mic léinn Meiriceánach ollscoil le fiach de $ 26,000 (thart ar € 20,000), léigh muid an New York Times in earra ag eacnamaí agus Nobel laureate Joseph Stiglitz. Níos mó...

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20 mai 2013

Student-Loan Report Prompts Calls for Refinancing Options

By Allie Bidwell. Frustrated borrowers with private student loans have often said they feel trapped in their debt, struggling with high monthly payments and few options to ease the burden. Their concerns received backing from a report released on Wednesday by a federal consumer-protection agency. The report, issued by the Consumer Financial Protection Bureau, calls for more flexible repayment options and a refinancing market for private student loans. In the report, the agency analyzes the more than 28,000 comments it received about the difficulties faced by many borrowers with private student loans. Read more...

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19 mai 2013

Student loans system is sustainable, insists minister

By Chris Parr. Universities minister David Willetts has defended the student finance system against criticisms that it is unsustainable and will not bring in the amount of money required to fund the sector long term. Mr Willetts was responding to claims made in a Times Higher Education article by Steve Smith, vice-chancellor of the University of Exeter, in which he claimed that an increase in the estimated proportion of students loans that will eventually be written off – the so-called RAB charge - meant the current system would struggle to survive. Currently, graduate salaries are lower than originally forecast when the new fees system was introduced, meaning that students are set to repay their loans more slowly than expected. Also, unless incomes start to rise, fewer students will earn the £21,000 required to trigger loan repayments on graduation. Read more...

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14 mai 2013

UK wants student loan money back

By Stefanos Evripidou. CYPRIOT GRADUATES of British universities top the list of EU graduates who owe the most money to the UK’s Student Loans Company (SLC). According to British press reports, the British government agency, the SLC, has called in private investigators to track down hundreds of EU graduates from UK universities who, since 2007, owe £52m (€61.6m) in student loans.
The SLC was set up in 1989 to provide loans and grants to students at UK universities and colleges but since the introduction of tuition fees in 2006-2007, has lent more than £117m to EU students. Reporting on last year’s official figures on Sunday, the Independent said EU graduates have either stopped paying or never started paying for a total debt of £52m (€61.6m). The total amount owed by UK graduates is £28m (€33m). Read more...

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12 mai 2013

Loan policy forcing some off black campuses

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By Renee Schoof. A change in federal education loan policies has left many students at some of the nation’s historically black colleges and universities struggling to fill a gap in their financial aid and forcing hundreds to leave school.
A more rigorous system of credit checks has denied certain loans to parents to help with their children’s undergraduate expenses. The loans are available to all students at all schools. But the changes have had a particularly severe impact on thousands of students at historically black colleges, advocates for those schools say. Read more...

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12 mai 2013

Erasmus loans for masters students will greatly expand mobility

By Adam Tyson. Recently University World News carried a report on the call by the European Students' Union to scrap the proposed new European study loan guarantees and to use the funds instead for traditional Erasmus grants. The ‘Erasmus Master Student Loan Guarantee’ is one of the entirely new proposals to support the higher education sector – along with the extension of Erasmus mobility to the world and the creation of Knowledge Alliances to promote more intensive cooperation between higher education and business – in the European Commission's proposal for the next generation of education and training support, Erasmus for All.
Let us be clear. The Loan Guarantee is an entirely additional action. It will not replace traditional Erasmus grants for credit mobility, which will continue to be by far the largest part of Erasmus and which we will also expand in the new programme. The new mechanism responds to feedback from students and student groups, which highlights that finding adequate funding to take a full degree programme – as opposed to short-term Erasmus credit mobility – in another country is a real problem for many. Erasmus grants are currently around €250 (US$320) per month with an average duration of one semester. Read more...

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12 mai 2013

Forty per cent of graduating students have no debt. Surprised?

By Chris Martin. In newspaper articles about higher education, there are a few commonly cited statistics I like to refer to as “greatest hits.” Average undergraduate tuition, per-student government funding, employment rates of recent graduates, are all in this group. However, one of the greatest hits of all time – the Bohemian Rhapsody of higher education statistics if you will – is average student debt. While it is an important issue, student debt might be one of the most misunderstood, poorly researched subjects in all of public policy. Some excellent work has been done in the past to help understand student debt in Canada, but the statistics are not updated regularly and are often misunderstood. As a result, despite being one of higher education’s most commonly cited statistics, it is also the most likely to be inaccurate. I have seen “average student debt” figures as low as $14,000 and as high as $37,000. Read more...

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