If you are like most students, federal aid might not cover your entire Cost of Attendance. Between tuition, books, housing, and all the other expenses you face in college, federal financial aid can only stretch up to now. To assist fill the space, students turn to plenty of sources to assist them get to that diploma.

The U.S. Department of Education has changed its mind about improving its dysfunctional process for evaluating the incapacity of borrowers of federal student loans.

Contrary to statements the Education Department made in February following harsh criticism by investigative journalists and government watchdogs, the dep. now says that it can’t and will not make changes that may allow for the efficient determination of severely and permanently disabled borrowers in order that those individuals will have their student loans forgiven.

In February, an exposé from ProPublica, The Chronicle of better Education, and the heart for Public integrity revealed significant problems in the Education Department’s cumbersome, opaque, and redundant system for determining disability, a system that always refused to offer protections for student loan borrowers who were found by the Social Security Administration and other federal agencies to be severely or permanently mentally or physically disabled.

The exposé found that absolutely disabled people who would never work again and who were collecting Social Security and other government disability were often nevertheless declared able by the Education Department and essentially asked to make use of their disability compensation to repay their student loans.

At the time, officials from the Education Department acknowledged the issue and said they were considering making fundamental fixes that experts agreed would both cut spending and help borrowers in need. Officials said then that the dept was considering accepting disability findings from Social Security and other federal agencies.

But, just six months later, the Education Department said it’s not going to do this. Officials said the dept will write new regulations and make substantial reforms to streamline its own system for determining disability but that it wouldn’t accept disability determinations from Social Security or elsewhere (“Education Department Backs Faraway from Fix to assist Disabled Student Borrowers,” The Chronicle of upper Education, Aug. 29, 2011).

Student Loan Experts: Department Can Use Social Security Disability Designations

According to David Bergeron, of the dep.’s Office of Postsecondary Education, the recent regulations should create “a process with a purpose to lead to superior treatment for borrowers even if when compared with the appropriate practices of some other federal agency.”

Mark Kantrowitz, an authority on student loans and monetary aid, said that the proposed rules “will mostly be small incremental improvements without any of the most important changes which might be really necessary.”

At the center of the matter is that the Education Department said it can’t reconcile accepting other agencies’ disability findings while obeying guidelines set by Congress. The dept said that Social Security designations are for temporary disability benefits while Congress set the department’s standards to require “total and permanent disability” and that borrowers should be unable to work by using “a medically determinable physical or mental impairment that may be expected to lead to death” a good way to have their student loans forgiven.

However, experts argue that revisions by Congress from 2008 state that discharges for student loans also needs to be granted for disabilities expected to cause at the least five years of being “unable to have interaction in any substantial gainful activity,” an analogous standard utilized by Social Security.

According to Kantrowitz, the recent standards set by Congress mean the Education Department has the authority to just accept Social Security disability designations and may use it. “If a person has a kind of statuses, why not short-circuit the method, because the two are equivalent?” Kantrowitz said.

Bergeron said that the Education Department remains planning on writing new rules to assist determine borrower disability. He said the method began with public meetings in May and would continue in October during negotiations with representatives of schools, student-loan companies, and borrower advocates that might probably last three or four months.

  

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Negotiations between Youngstown State University and its faculty union that seek to circumvent a teacher strike has caused the disbursement of students’ financial aid packages, including grants, scholarships, and student loans, to be placed on hold.

Thousands of scholars who attend the Youngstown, Ohio university received emails Friday morning from YSU President Cynthia Anderson stating that the U.S. Department of Education had advised the faculty to delay the disbursement of student loans, grants, and other financial aid until the college resolved negotiations and knew for certain when fall semester classed will begin.

“Given such uncertainty (re: start date of classes), the U.S. Department of Education – which regulates all financial aid – has directed us to not disburse financial aid and scholarship funds. If we ignored the directive … the university could face significant financial and other penalties…,” the e-mail stated (“YSU Protests Freezing Finances,” Trib Today, Aug. 23, 2011).

After 13 hours of negotiations, contract talks between YSU and the college union broke off at 10:30 p.m. Friday. Solid progress was reportedly made on major issues, but no agreement was reached and talks were scheduled to renew Monday afternoon. If an agreement isn’t reached soon, faculty could opt to go on strike Aug. 26, three days before fall classes are scheduled to start Aug. 29.

Although tuition payments for classes might be adjusted to fulfill the brand new start date for all students receiving financial aid, the hold on disbursement worries many students who depend upon financial aid for greater than just college tuition.

“There are numerous those that place confidence in their tuition. They get grants and scholarships, after which loans on top of that. And that’s what they rely upon to outlive,” said student Molly Toth.

“i’ve a ton of friends who use the cash here to outlive. It really is their rent money, their food money, their gas money,” said student Melanie Boggs-Fout.

Students Rally Against Financial Aid Freeze

Students say they’ve plenty of questions on their financial aid but do not get answers from school administrators. In consequence, students started a page on Facebook called Students for college where they may be able to visit learn more in regards to the contract negotiations and share their personal stories.

“They’ve been posting their stories, type of giving a private testimony saying ‘I don’t know what I’m gonna do. i will be able to’t pay my rent.’ So when the primary of the month rolls around, and that i can’t pay, what am I speculated to do,” Toth said (“YSU Halts Disbursement of scholars’ Financial Aid Funds,” WKBN-TV, Aug. 19, 2011).

As many as 50 YSU students gathered on campus at Todd Hall on Monday afternoon to protest the freeze on financial aid. Anderson eventually addressed the crowd.

“I anticipate that classes are going to start on Aug. 29,” Anderson said. “I would really like to claim that’s a undeniable, but again we’re in negotiations. But i’m very hopeful and faithful that so they can happen.”

Anderson advised students who face severe consequences end result of the disbursement freeze, including tenant eviction and utility shut off, to contact YSU’s Vp for Student Affairs Jack Fahey.

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For the primary time ever, the University of California system q4 will charge students more in tuition than students shall be ready to obtain from state financial aid. It is a historic shift for the UC system, which used be heavily subsidized by taxpayers, and component of a countrywide trend that’s changing the very nature of U.S. public higher education.

Fueled by budget shortfalls in California and lots of other states, students and their families nationwide are being asked to bear more of the weight of procuring college. For plenty of students, this suggests borrowing more student loans.

California had worked hard to preserve its historically generous support for higher education and managed to hang out against gutting higher education financial aid longer than most other states. For many of its history, taxpayer subsidies allowed UC to charge students very little tuition. However, cuts to state funding in recent times, including back-to-back increases for the 2011–12 school year, have caused tuition to soar. Undergraduates pays greater than $13,000 in tuition and charges this year - 18.3 percent greater than last year - and greater than $31,000 for the full cost of attendance, including room and board.

State budget cuts have placed the UC system at a crossroads, left being affected by its identity and faced with choosing between supporting its longstanding mission to supply widely accessible, moderately-priced, and high-quality education to California residents and becoming more like universities in other states, which increasingly support themselves through tuition, private fundraising, and lengthening numbers of out-of-state and international students.

“It truly is a query of defining what sort of institution UC could be five or 10 years from now and whether the assumptions that guided us in past times … are going to steer us sooner or later,” said Patricia Pelfrey, an education researcher at UC Berkeley’s Center for Studies in Higher Education.

However, in response to Patrick Lenz, UC’s vice chairman of budget and capital resources, there really isn’t any question as to what sort of institution UC shall be sooner or later. For him, the funding change might be permanent. “When these items happen, how often do they reverse themselves?” Lentz said. “Never” (“UC Income From Tuition Will Surpass State Funding for the 1st Time,” L. a. Times, Aug. 22, 2011).

More Nonresidents Could Help Maintain Financial Aid for Residents

The university said it expects to assemble $2.9 billion in tuition this faculty year, up from $2.56 billion last year, while state funding will drop to $2.4 billion, if not less, from $2.9 billion last year. The university’s total budget, including hospital revenues, federal research grants, and donations, in $20 billion, though university officials say that the majority of than money is specific and cannot be used for undergraduate education.

To help generate revenue, the university has set a goal for nonresidents, who typically pay full sticker price, to make up 10 percent of undergraduates. The method has helped other universities maintain financial aid for in-state students. On the University of Michigan’s Ann Arbor campus, which was cited as a probable model for the UC system, 40 percent of last year’s freshman class was made from out-of-state and international students, a response to deep state funding cuts during the last twenty years. For this reason, Michigan was ready to maintain financial aid for needy students and protect unprofitable academic departments, including the arts, which have suffered dramatic cuts at other schools.

According to Steve Boilard, higher education director of California’s Legislative Analyst’s Office, UC also needs to consider deeper reforms, including increasing online classes, eliminating duplicate academic departments, and reconsider whether professors should spend more time teaching compared with researching.

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