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New Jersey’s investment in higher education has decreased considerably over the past two decades, and its financial aid programs, though still some of the country’s most expansive, fail to reach many students with financial need.

Research
Mark Huelsman

Until about the mid-1990s, debt was the exception, not the rule.

Policy Briefs

 $1 trillion in outstanding student loan debt will lead to total lifetime wealth loss of $4 trillion for indebted households.

Research
Robert Hiltonsmith

Access to a post-secondary education is a vital aspect of the American dream, allowing for equality of opportunity and a stable pathway to the middle class for all who are willing to work for it regardless of their background or socioeconomic status.  Higher education not only improves the prospects

Research
Thomas Sanford
Leah Reinert

Demos conducted a nationwide survey of low- and middle-income households in early 2012. The findings in this brief summarize the relationship between college costs and credit card debt, and its impact on students and their parents.

Research
Catherine Ruetschlin
Robert Hiltonsmith

America's students are facing a serious threat from subprime private loans, and the situation could worsen unless Congress votes to close a potential loophole in the proposed Consumer Financial Protection Agency.

Policy Briefs
U.S. PIRG

To increase postsecondary success among low- to moderate-income students, we must reform financial aid and provide additional financial supports to help students cover the cost of living expenses.

Research
Viany Orozco
Nancy K. Cauthen

The Contract for College would unify the existing three strands of federal financial aid — grants, loans and work-study — into a coherent, guaranteed financial aid package for students.

Policy Briefs
Caleb Gibson
Viany Orozco

A look at state disinvestment in public higher education

Research
John Quinterno

How Higher Education Cuts Undermine the State’s Future Middle Class

Research
Robert Hiltonsmith
Mark Huelsman