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Should All Student Loan Payments Be Income-Driven? Trade-offs and Challenges

This white paper analyzes the potential effects of requiring income-driven repayment for all federal loans as well as relying on paycheck withholding for loan payments, with particular attention to the implications for low-income students and families. TICAS also examines the relevance and evolution of mandatory IDR systems in Australia and the United Kingdom, and the paper includes specific recommendations to streamline and improve student loan repayment options in the United States. 

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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 includes average debt levels for the 50 states and District of Columbia and for more than 1,000 U.S. colleges and universities.

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New Data Confirm Troubling Student Loan Default Problems

More than 600,000 federal student loan borrowers who entered repayment in 2010 defaulted on their loans by 2012, new federal data show. The largest share of these students - 46 percent - attended for-profit colleges, which enrolled just 13 percent of students nationally. For-profit colleges also had a much higher average default rate than other types of schools: 21.8 percent, compared to 13.0 percent at public and 8.2 percent at nonprofit colleges. Across all colleges, 14.7 percent of borrowers defaulted within three years of entering repayment. 

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Visit the Cohort Default Rate Resources page

Aligning the Means and the Ends: How to Improve Federal Student Aid and Increase College Access and Success

This white paper calls for major changes to federal student aid, including Pell Grants, student loans, and tax benefits, with the goals of increasing college affordability and completion. More than two dozen recommendations would simplify the financial aid system, from applying for aid to repaying student loans; better target resources; reduce waste and fraud; and align incentives for colleges with better outcomes for students.

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Federal Student Loan Terms for 2013-14 summarizes loan limits, interest rates, and other terms for federal student loans from July 1, 2013 through June 30, 2014.

The Top 10 Student Loan Tips for Recent Graduates
provides useful information new graduates should know about repaying student loans. 

Student Loan Borrower Assistance is a comprehensive resource for consumers who are having any kind of problem with student loans.

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