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As the cost of higher education continues to rise, students increasingly rely on borrowing to pay for college. But is the result the improved socioeconomic position that they anticipate? Borrowing Inequality explores the real impact of loans on minority and low-income students. Drawing on a national study of student-borrowing patterns, Derek Price finds that racial and ethnic minorities and low-income students are not only more likely to borrow than their white and upper-income peers, they also are less likely to graduate from high-status institutions and go on to graduate school. In addition, current loan programs so burden student borrowers that their career opportunities are restricted, in effect perpetuating the very patterns of inequality that the programs were intended to alleviate. While the graduates' prospects clearly are higher than they would have been without higher education, the structural pattern of inequality continues to reflect race, ethnic, gender, and class characteristics. Price concludes with provocative proposals for aid policies that would expand the range of college and career choices for students—policies that would in fact support the role of higher education as a vehicle for individual opportunity and social change

Student loans --- Discrimination in higher education --- Student loan funds --- Student loan programs --- Loans --- Student aid --- Scholarships

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College costs --- Student aid --- Student loans --- Scholarships --- Finance, Personal --- Education, Higher --- Finance --- E-books --- Student loan funds --- Student loan programs --- Loans --- Aid, Student --- Financial aid, Student --- Financial aid to students --- Student financial aid --- Student financial assistance --- Education

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Public higher education in the postwar era was a key economic and social driver in American life, making college available to millions of working men and women. Since the 1980s, however, government austerity policies and politics have severely reduced public investment in higher education, exacerbating inequality among poor and working-class students of color, as well as part-time faculty. In Austerity Blues, Michael Fabricant and Stephen Brier examine these devastating fiscal retrenchments nationally, focusing closely on New York and California, both of which were leaders in the historic expansion of public higher education in the postwar years and now are at the forefront of austerity measures.--publisher.

Student loans --- College costs --- Higher education and state --- Federal aid to higher education --- Government aid to higher education --- Education, Higher --- Public universities and colleges --- Universities and colleges --- Student loan funds --- Student loan programs --- Loans --- Student aid --- Scholarships --- Finance.

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School management --- Social policy and particular groups --- United States --- Federal aid to higher education --- Student aid --- Student loan funds --- Aide de l'Etat à l'enseignement supérieur --- Etudiants --- Prêts d'études --- Aide financière --- Student loans --- Aide de l'Etat à l'enseignement supérieur --- Prêts d'études --- Aide financière --- United States of America

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College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced-and how the popular myth of a looming crisis has obscured the real problems facing student lending in America.Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don't finish college-the riskiest segment of borrowers-and a dysfunctional market where competition among colleges drives tuition costs up instead of down.Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.

Student loans --- Students --- College graduates --- Graduates, College --- University graduates --- Universities and colleges --- Pupils --- School life --- Student life and customs --- Persons --- Education --- Student loan funds --- Student loan programs --- Loans --- Student aid --- Scholarships --- Finance, Personal. --- Alumni and alumnae --- Finance, Personal --- E-books --- United States.