Sallie Mae (the Student Loan Marketing Association) was privatized in 1996, making it the first government-sponsored enterprise (GSE) to be spun off by the federal government with a sunset on its government charter. What has been the result and what can we learn from it? In a new study for...

Government-sponsored enterprises Fannie Mae and Freddie Mac should be divided into three parts: liquidating trusts, private mortgage businesses, and a government agency inside the Department of Housing and Urban Development.

The housing finance system of the future needs to have countercyclical factors built into it and much bigger loan loss reserves in good times to avoid the illusory profits which feed booms and bubbles.

If we are to avoid future distortions and government-inflated bubbles in the housing market, Fannie and Freddie can and should be dismantled.

Six in ten families rule out some colleges because of sticker price, yet many do not know that the “net price” is typically far lower. Proactively teaching parents—especially those with lower incomes—to think in terms of net price is critical.

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Higher education produces large average economic gains for those who complete their degrees and improves productivity and competitiveness in the U.S. economy at large. To finance college and other advanced training, students and their families are...

This booktraces the origins of GSEs, contrasts investor-owned and cooperative GSEs, and examines such issues as activities and the quality of oversight.