Student loans in the United States
student loansstudent loanfederal student loansfederally backed student loansdebt freefederal student loan programsfederally-backed student loansforgiveness of student loan debtincursion of student debtprivate student loan
Student loans are a form of financial aid used to help students access higher education.wikipedia


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Betsy DeVos
Betsy De VosDeVosElisabeth DeVos
Secretary of Education Betsy DeVos has noted that Federal Student Aid's portfolio "is nearly 10 percent of our nation's debt."
On April 11, 2017, DeVos undid several Obama administration policy memos issued by John King Jr. and Ted Mitchell which were designed to protect student loan borrowers.







Tax Cuts and Jobs Act of 2017
Tax Cuts and Jobs Act2017 Republican tax planRepublican tax legislation
This provision, part of the Tax Cuts and Jobs Act of 2017, will sunset on December 31, 2025 unless renewed by Congress.
The act exempts the discharge of certain student loans due to the death or total permanent disability of the borrower from taxable income.









Federal Perkins Loan
Perkins LoanPerkinsPerkins loans
* Federal student loans made to students directly (Stafford and Perkins loans).
EdFund
Operating as an auxiliary corporation of the California Student Aid Commission, EdFund processes more than $9.3 billion in student loans in the United States annually (including Consolidation loans) and manages a portfolio of outstanding loans valued at $29 billion.
Cancellation of Debt (COD) Income
Cancellation of Debttaxable income
Effective with discharges on or after January 1, 2018, debt discharged due to the death or total permanent disability of the borrower is no longer treated as taxable income.
LendKey
In an effort to improve the student loan market, startups like LendKey, SoFi (Social Finance, Inc.) and CommonBond were founded to offer student loans and refinance loans at lower rates than traditional repayment systems using an alumni-funded model.

CommonBond
In an effort to improve the student loan market, startups like LendKey, SoFi (Social Finance, Inc.) and CommonBond were founded to offer student loans and refinance loans at lower rates than traditional repayment systems using an alumni-funded model.

College tuition in the United States
tuitioncollege tuitioncollege affordability

Higher education bubble in the United States
Higher education bubbleeducation bubbleless than the number of college graduates


Student debt
student loan debtdebtdebt-free
Student loan debt in the United States has been growing rapidly since 2006, rising to $1.6 trillion by 2019,


Student financial aid (Finland)
Student benefitstudent financial aid
Tuition payments
tuitiontuition feestuition fee
The Institute for College Access and Success
Institute for College Access & SuccessInstitute for College Access and Success
On Nov. 13, 2014 US News reported that according to TICAS About 70 percent of 2013 graduates left college with an average of $28,400 in student loan debt in the United States.
Scholarship
scholarshipsfellowshipscholar
Loans usually must be repaid, in contrast to other forms of financial aid such as scholarships, which never have to be repaid, and grants, which rarely have to be repaid.
Grant (money)
grantsgrantresearch grant
Loans usually must be repaid, in contrast to other forms of financial aid such as scholarships, which never have to be repaid, and grants, which rarely have to be repaid.
University of Phoenix
Phoenix UniversityAxia CollegePhoenix
The schools with the highest amount of student loan debt are University of Phoenix, Walden University, Nova Southeastern University, Capella University, and Strayer University.


Walden University
WaldenWalden University (Minnesota)
The schools with the highest amount of student loan debt are University of Phoenix, Walden University, Nova Southeastern University, Capella University, and Strayer University.



Nova Southeastern University
Nova UniversityNova SoutheasternNSU
The schools with the highest amount of student loan debt are University of Phoenix, Walden University, Nova Southeastern University, Capella University, and Strayer University.









Capella University
CapellaCappella University
The schools with the highest amount of student loan debt are University of Phoenix, Walden University, Nova Southeastern University, Capella University, and Strayer University.

Strayer University
Strayer Business CollegeStrayer CollegeStrayer Education
The schools with the highest amount of student loan debt are University of Phoenix, Walden University, Nova Southeastern University, Capella University, and Strayer University.



For-profit higher education in the United States
for-profitfor-profit collegefor-profit university
Except for Nova Southeastern, they are all proprietary (profit-making) universities.
Proprietary colleges
for-profit collegefor-profitfor-profit colleges
Student loan defaults are disproportionately concentrated in the for-profit college sector.
National Center for Education Statistics
NCESNational Center for Educational Statistics National Center for Education Statistics (NCES)
In 2018, the National Center for Education Statistics reported that the 12-year student loan default rate for colleges was 52 percent.

African Americans
African AmericanAfrican-Americanblack
The 12-year student loan default rate for African Americans going to for-profit colleges was reported to be 65.7 percent.








