Ed.D. (Doctor of Education)
Department of Counseling and Higher Education (CAHE)
The purpose of this dissertation was to understand the financial aid personnel’s perspective on the impacts of middle-income student loan borrowing. Student loan borrowing is a concern for many due to the current debt reaching extraordinary amounts. This research explored the impacts specifically on middle-income students as opposed to low- or high-income students. Middle-income, for the purposes of this research, was defined as students who are above the threshold for need-based aid, but still have a remaining need. Four themes occurred as a result of this research: 1) payment opportunities for middle-income students 2) opt in and opt out loan awarding, 3) impacts of default for schools and students, and 4) communication methods to increase middle-income informed borrowing.
Lacognata, Nicole, "The Perspective of Financial Aid Personnel on Middle-income Student Loan Borrowing" (2023). Graduate Research Theses & Dissertations. 7158.
Northern Illinois University
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