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The rising prices, in the cases of both housing and higher education, lead to cries that since the prices are now unaffordable, there has to be more credit. More (and more heavily subsidized) credit the politicians often enough deliver, and the escalation goes on.
Rationing federal credit through a more complex system involving individual loan underwriting that assesses the likelihood that a given borrower will be able to repay the debt, rather than through the flat borrowing caps that are in place today, could be a more effective way to protect consumers.
Much has been made recently of the rising cost of attending a four-year college. House Speaker John Boehner has decried the fact that “during the 1980s, the cost of attending college rose more than three times as fast as the typical family income,” and that “[t]his trend of rapidly-increasing...
This Center on Higher Education Reform report addresses America's failing student loan structure. The authors take an in-deth look at Income Share Agreements and their potential to replace traditional student loans.
AEI scholar Andrew P. Kelly reflects on the costly student aid system and its many failures - from the high schools that grant the diplomas to the colleges that gladly take Pell Grants from the underprepared to the students who fail to complete the courses.
Since the economic crisis, families have increasingly struggled with daily costs of living, let alone the cost of a college tuition. But, while the idea of a higher education "public option" may sound appealing, it does little to address the overall rising cost of higher education or student outcomes.
In this provocative volume, higher education experts explore innovative ways that colleges and universities can unbundle the various elements of the college experience while assessing costs and benefits and realizing savings.
As Harvard Education Press's just-released volume Stretching the Higher Education Dollar details, while existing higher education institutions can take some steps to contain their costs, truly low-cost higher education will likely come from an emerging wave of new providers such as university-online partnerships, massive open online courses, and competency-based education.
In this new volume, education experts explain why costs have risen so dramatically, and explore innovative ways that education stakeholders can “bend the college cost curve” in an effort to rein in tuition prices without forgoing quality.