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Association: Name: American Sociological Association URL: http://www.asanet.org
Citation: URL: http://www.allacademic.com/meta/p23191_index.html Direct Link: HTML Code:

Chang, Gordon. and Ong-Dean, Colin. "The 'High-Fee, High-Loan' Model of Student Finance in U.S. Higher Education: Consequences for Low-Income Students" Paper presented at the annual meeting of the American Sociological Association, Marriott Hotel, Loews Philadelphia Hotel, Philadelphia, PA, Aug 12, 2005 <Not Available>. 2009-05-25 <http://www.allacademic.com/meta/p23191_index.html>

Chang, G. C. and Ong-Dean, C. W. , 2005-08-12 "The 'High-Fee, High-Loan' Model of Student Finance in U.S. Higher Education: Consequences for Low-Income Students" Paper presented at the annual meeting of the American Sociological Association, Marriott Hotel, Loews Philadelphia Hotel, Philadelphia, PA Online <PDF>. 2009-05-25 from http://www.allacademic.com/meta/p23191_index.html

Publication Type: Conference Paper/Unpublished Manuscript Abstract: The American higher education system is rapidly transforming toward a �high-fee, high-loan� model of student finance. This model replaces �low tuition fees and high government aid� with �high public tuition fees and high student loans.� This study analyzes the impact of this student finance model on college access for low-income students. Using two national datasets�the Economic Diversity in Higher Education Data File 2000-01 provided by The Pell Institute for the Study of Opportunity in Higher Education and the Integrated Postsecondary Education Data System 2000-2001 of NCES�this study uses ordinary least square regression techniques to analyze a sample of 664 Title IV-participating four-year colleges and universities across 50 states in the U.S. The analysis produces four major findings: 1) Tuition increases have negative effects on low-income student enrollments; 2) Financial aid in the form of grants has a more positive impact on low-income student enrollment than financial aid in the form of loans; 3) While tuition increase has a negative effect on low-income student enrollment, the effect is more negative in the public sector than in the private sector; 4) while satisfied financial needs through the means of grants has a positive effect on low-income student enrollment, the effect is more positive in the public sector than in the private sector. Overall, the study demonstrates that a high-fee, high-loan model is likely to discourage low-income student college participation, and it calls for policymakers and institutional leaders to reform the student finance structure of American higher education.

Egalitarian Discourses in Privatization: American Higher Education�s High-Tuition, High-Aid Debates

A Latent Means Analysis of Motive to Avoid Failure between College Students from Low and High Income Backgrounds

Planning Something from Nothing: Self-authorship, College Plans, and College Transitions among Low-Income High School Students