Grants Work-Study Loans Less costly State or federal funds are leveraged with earnings students receive. jobs, usually on campus
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1 Financial Aid What are the types of financial aid? Federal or state financial aid generally is one of three types: grants, work-study, or loans. The general characteristics of the three types of aid are shown below: s Work-Study s Less costly State or federal funds are leveraged with earnings students receive through parttime jobs, usually on campus Need-based Most effective Free money- no repayment Most costly to government Examples: Pell, Least costly for government Most costly to student, who must repay money usually with accrued interest What is the distribution of financial aid in? In Fiscal Year 2007, more than 616,000 students (approximately 51 percent of total enrollment) attending higher education institutions in received more than $5.35 billion in federal, state, and institutional financial aid. The majority (60 percent) of the aid received was in the form of loans, followed by 39 percent in grants and 1 percent in work study. Nationally, loans make up 50 percent of financial aid received, grants 49 percent, and work study 1 percent. The chart below shows the distribution of financial aid in by source: Distribution of Financial Aid in Fiscal Year 2007 $5.35 Billion in Aid Page 1 of 5
2 What is the distribution of financial aid among various types of institutions? Students at all types of higher education institutions receive financial aid, with those attending public universities receiving the greatest share of aid ($2.98 billion) in Fiscal Year Of that amount, $1.9 billion (65 percent) was in the form of student loans. Students in the state s community colleges received a total of $774.9 million in financial aid, of which $228.7 million (30 percent) came in the form of loans. The table below includes the actual dollars distributed by type and sector for Fiscal Year (in Millions) TEXAS Other Work- Number of s Institution -Aid Study Recipients Universities $147.3 $861.9 $26.7 $1,941.0 $2, ,394 Universities $7.0 $486.3 $17.7 $708.5 $1, ,306 Community Colleges $18.9 $513.9 $13.4 $228.7 $ ,882 Health- Related $0.3 $27.8 $0.4 $214.7 $ ,072 Health-Related $0.0 $8.2 $0.6 $66.8 $75.6 2,301 Technical Colleges $1.1 $19.8 $0.7 $20.4 $42.0 8,799 2-Year $.0.1 $3.3 $0.1 $1.3 $ State Colleges $0.3 $10.6 $0.2 $3.3 $14.4 4,022 $175.0 $1,931.8 $59.7 $3,184.6 $5, ,309 Which students in rely on loans? The chart below shows that students in all income groups rely on loans. The lower four income groups (students from families with incomes under $40,000) account for over 67 percent of the students receiving financial aid, and more than half of these students have to take out loans. This contradicts the perception that most low income students can meet the cost of education with grant aid alone. Page 2 of 5
3 Percent of Students Receiving s and s* by Family Income Fiscal Year % 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% $0-9,999$10,000-19,999 $20,000-29,999 $30,000-39,999 $40,000-$50,000- $60,000 49,999 59,999 & Above s s *Numbers may be duplicated; the same students receiving grants may also be receiving loans What are the major financial aid programs offered by the state? The major financial aid programs of the state, the requirements of each, the amount allocated, and the number of students served in Fiscal Year 2007 are noted below. TEXAS B-On-Time Type of Aid / Eligibility of financial need; Completed the High School Recommended Plan; meet program academic standards Completed the High School Recommended Plan; Meet program academic standards Max. Amount public universities, $865 per semester community college, 4-year public or private university, $1,720 per semester 2-year public or private junior college, (FY 2007) Students $175,037,505 52,562 $42,910,996 10,247 Page 3 of 5
4 Type of Aid Eligibility Max. Amount (FY 2007) Students Educational Opportunity Educational Tuition Equalization College Work-Study Parttime work Financial need & enrollment at least ½ time at a 2-year public institution of financial need Low to middleincome student at a private, non-profit institution of financial need public universities, $865 per semester community college, Dependent upon both need and cost of attendance Award amount cannot exceed $3,331 per school year unless expected family contribution is less that $1,000 Varies based on financial need $4,744,824 3,707 $129,340, ,355 $98,832,412 30,316 $6,472,634 (including employer match) 5,485 Hinson- Hazlewood College Student residents Up to cost of attendance less other aid $71,800,000 11,000 *The numbers in this chart represent Fiscal Year 2007 What is the status of each of the programs? Page 4 of 5 TEXAS Program The program was started in 1999 and is the state s financial aid centerpiece. It encourages high school students to prepare for college by requiring recipients to have taken the Recommended High School Program (or above). If recipients continue to meet program academic standards while in college, they are eligible for a continuation of the grant to pay tuition and fees for up to 150 hours, six years, or until the student acquires a bachelor s degree, whichever occurs first. Students receiving the grant persist and succeed at virtually the same rate as students who do not receive aid a remarkable statistic considering that many of these students come from low-income families and communities. At current funding levels, only 51 percent of eligible students receive a TEXAS. TEXAS B-On-Time Program Created in 2003, loans made through the program are forgiven for students who graduate on time and with a minimum of a B average. The first full cohort of students will graduate in spring Educational Opportunity (TEOG) Created for community college students in 1999, current funding of $7 million per year is woefully inadequate given the fact that at least 60 percent or more of the new students enrolling in higher education are expected to enroll first at two-year institutions. Only 4 percent of eligible students receive a grant. Educational (TPEG) Program -- This program, funded through tuition setasides and administered separately by each institution, allows financial aid officers at each institution to use the program to meet the needs of students who fall between the cracks of other federal and/or state programs.
5 Tuition Equalization (TEG) Program -- This program for students at private institutions, helps reduce the need for building additional capacity at public higher education institutions. The program s eligibility requirements for students who entered the program on/after September 1, 2005, are similar to those of the TEXAS Program. Students, to continue receiving grants, must meet program GPA and credit hour completion rates. College Work-Study (TCWSP) Program The College Work-Study Program provides part-time jobs virtually all located on college campuses by subsidizing employers who hire students. Through the program, state funds are leveraged with employer contributions. On average, for each dollar of state work-study funds, institutions provide $1.21. Workstudy financial aid encourages student persistence, especially for students who live at home and commute to campus. Hinson-Hazlewood College Student Program The Hinson-Hazlewood loan program offers low-interest loans to students to help them pay for college. The program is funded through the sale of general obligation bonds. (Note: the Hinson-Hazlewood loan program is not the same thing as the Hazlewood Act, which authorizes an exemption from tuition and fees for veterans). Resources: CollegeforallTexans.com For more information: Office of External Relations Higher Education Coordinating Board (512) Page 5 of 5
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