TG Publications

Research Reports

State of Student Aid and Higher Education in Texas — A basic overview providing comparisons of state and federal student aid programs.

Higher Education Act

Opening the Doors to Higher Education: Perspectives on the Higher Education Act 40 Years Later
The Role of Work and Loans in Paying for an Undergraduate Education

Literature Reviews

First-Generation College Students: A Literature Review — This publication summarizes various research studies related to first-generation college students and categorizes them according to issues including access, student characteristics, retention, pre-college intervention efforts, and college intervention efforts.
Student Loan Default Literature Review — This publication summarizes 17 research studies and categorizes them according to distinct variables that may have a relationship to student loan default. Categories include grade point average, attendance factors, exit counseling, income, academic preparedness, level of indebtedness, and others.

Default Studies

The Characteristics Associated with Student Loan Default at Texas A&M University — A study examining the default behavior of undergraduate borrowers who attended Texas A&M and who entered repayment on TG-guaranteed FFELP loans during federal fiscal years 1997, 1998, and 1999.
Multivariate Analysis of Student Loan Defaulters at Prairie View A&M University — This study examine the default behavior of 3,325 Prairie View A&M undergraduate student borrowers who entered repayment during 2001-02.
Multivariate Analysis of Student Loan Defaulters at Texas A&M University — A follow-up to the 2002 analysis of 12,776 Texas A&M borrowers, this study both reinforces some of the findings of the earlier study and highlights some variables (such as borrower age and gender) that were largely dismissed by the original work.
Multivariate Analysis of Student Loan Defaulters at Texas A&M University — Kingsville — This study examines the default behavior of 5,177 TAMU-K undergraduate student borrowers who entered repayment during 1999-2002.
Multivariate Analysis of Student Loan Defaulters at the University of South Florida — This study examines the default behavior of 17,036 USF undergraduates who entered repayment during 1999-2002.
Profile of Minority-Serving Institutions in Texas — This short paper examines the cohort delinquency and default rates, federal borrowing and indebtedness, and methods of paying for college at Historically Black Colleges and Universities and Hispanic-Serving Institutions in Texas.
Shoulder to Shoulder: The Progress Made by the Student Financial Aid Community in Preventing Defaults — A follow-up to the 1998 Texas Default Prevention and Debt Management Conference.
Student Loan Defaults in Texas: Yesterday, Today, and Tomorrow — An update on the status of the recommendations made at the 1988 Strategic Default Initiative conference, this study clarifies research on Texas student loan defaults.

Other Research Studies

Breaking New Ground, The Texas Historically Black Colleges and Universities Default Management Consortium — A report detailing best practices to help non-Texas HBCUs decrease their cohort default rates.
A Clear and Present Danger to Institutional and Student Success — A training guide for integrating default aversion strategies into institutional enrollment management plans. This paper shows how campuses may lower default rates by engaging with students starting before the admissions process and lasting through graduation.
Crisis Averted or Merely Postponed? — This white paper examines long-term student loan cohort default rates and methods used to resolve defaults and cure delinquencies.
Digging Deeper: An Analysis of Student Loan Debt in Texas — This TG report to the 82nd regular session of the Texas Legislature examines multiple, converging issues related to student loan debt in Texas. In particular, the report probes how debt, and the fear of borrowing, influence student decisions that, in turn, alter students' odds of graduating.
Education on the Installment Plan: The Rise of Student Loan Indebtedness in Texas — Provides the context for understanding the relationship between debt and repayment.
Ready, willing, and unable: How financial barriers obstruct bachelor-degree attainment in Texas — A report to the 80th regular session of the Texas Legislature. (Summary Handout)
A School's Guide to Servicers — Includes several strategies to help schools strengthen their default aversion efforts.
Studies on Barriers to Higher Education in Texas — Describes Texas A&M University's efforts to conduct original phone surveys to investigate, identify, measure, and predict the barriers to higher education for adult residents in Texas.
The Toughest Test: The Student Loan Liquidity Crisis of 2007-08 in Texas — This paper outlines the important factors of the student loan "credit crunch," analyzing the subprime mortgage crisis, how it affected student loans, and the government response to the crisis.

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