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The panel evaluates the Higher Education Student Assistance Act of 1965 (S 2490) and related provisions, emphasizing student need, rising undergraduate costs, financing deficits for families, and concerns about debt burdens and administrative costs in loan programs.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/ace-panel-assays-proposed-federal-scholarship-loan-insurance-work-study-plans-volume-xiii-number-6/322817/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/ace-panel-assays-proposed-federal-scholarship-loan-insurance-work-study-plans-volume-xiii-number-6/322817.png","ImageObject",300,407,{"name":92,"@type":93},"Rowan","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-22","2026-09-21",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",13,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"What programs did the ACE panel discuss in the Senate hearing?","Question",{"text":113,"@type":114},"The panel focused on proposed federal scholarship, loan, loan insurance, and work-study programs for college students.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"Why does the text argue against relying on scholarships, jobs, or loans alone?",{"text":118,"@type":114},"It states that scholarship-only funding is costly without unlimited resources, jobs-only support diverts students’ time, and loan reliance places the heaviest debt burden on needy students.",{"name":120,"@type":111,"acceptedAnswer":121},"How did the document describe projected increases in undergraduate costs and funding gaps?",{"text":122,"@type":114},"It projects total undergraduate costs rising from $3.89 billion in 1960 to $9.57 billion in 1970, while families’ ability to pay declines, creating a larger deficit that would require greater student aid.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},322817,1790012628,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":29,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145,"preview_page_count":4},1099514067415,"https://ap-avatar.wpscdn.com/avatar/100002539d78ffe74a7?x-image-process=image/resize,m_fixed,w_180,h_180&k=1779092875211072502","x  \nHigher EducationandNational Affairs  \nEducators See Need for FederalFinancial Aid to College Students*    *     *  \nHow Civil Rights Bill's ProvisionsAffect Higher Education (Page 2-3)  \nAmerican Council on Education ·1785 Massachusetts Avenue,N.W.,Washington 36,D.C.  \nMarch 11,1964  \nVolume XIII,Number 6  \nA panel of five experts,representing the American Council onEducation,discussed proposed Federal scholarship,loan,loan insurance,and work-study programs in a hearing beforethe Senate Education Subcommittee on March 10.The chair-  \nACE Panel Assays ProposedFederal Scholarship,Loan,Insurance,Work-Study Plans  \nman of the panel,Francis H.Horn,president of the University of Rhode Island,declaredthat Congress had taken steps toward meeting higher education's \"priority needs for class-rooms and teachers'with the passage last year of the Higher Education Facilities Act(PublicLaw 88-204)and with the NDEA amendments made in Public Law 88-210.He added:  \nNow we must turn our attention to the needs of students,both those presently en-rolled as well as those now coming up through the elementary and secondary schoolswho will someday seek to continue their formal education beyond the high school.Wemust take account of the hopes,the needs,and the expectations of thousands of ouryouth who will reach college age in this decade and the decade to come.  \nI should like to comment briefly on S 2490,the proposed Higher Education StudentAssistance Act of 1965 introduced by Senator Hartke(see Bulletin,Vol.XIII,No.4).Without dwelling upon the specific details,I believe that the broad approach containedin the bill is eminently sound.Those who have been most active in devising ways bywhich needy young people may be afforded an opportunity for higher education have longrecognized that there are three essential elements to be considered--namely,scholar-ships,jobs,and loans.No one of these is in itself an answer.  \nTotal reliance on scholarships,while pleasant for the recipient,is an extremelyand unnecessarily expensive approach unless funds are unlimited.Total reliance onjobs,especially in view of the increasing demands of the curriculum,diverts too muchof a student's time and energy away from the sole reason for his being a student.Totalreliance on loans has the unfortunate aspect of placing the largest burden of debt on ourneediest young people.In fact,since the expiration of the education provisions of the GIbill,the Federal Government's only assistance to undergraduate students has been throughthe device of loans.I believe it should be a matter of concern to all of us that we may beplacing too heavy a burden on our young people and that all kinds of decisions such aschoice of career,or whether to go on to graduate school,or whether to marry and beginraising a family may be unduly influenced by the immediate prospect of having to pay offa sizeable debt.I should like to pay tribute to Senator Hartke,therefore,for recognizingthat it is necessary to launch a three-pronged attack if the financial barriers to highereducation are to be lowered.  \nIn the panel presentation,Rexford G.Moon,director of the College Scholarship Service,dealt with the general problem of student financial aid;Carl Grip,dean of men at Temple  \n# Land-Grant Group Calls S 2490'Preferable'to Tax Credit Plan\n\nUniversity,outlined some of the problems that arise with student loan programs;John U.Monro,dean of Harvard College,discussed grant assistance for students;and James F.Carr,Jr.,director of financial aid at Florida State University,described the problem ofstudent aid in a public institution.  \nDr.Moon projected a rise in total cost to undergraduate students from $3.89 billion in1960 to $9.57 billion in 1970.He estimated that whereas families were able to meet $3.1billion of the 1960 cost,leaving a deficit of $787 million,families in 1970 will have the abilityto pay only $6.2 billion of the cost,leaving a deficit of $3.3 billion.Student aid available in1960 met 57 percent of th","cbCaisduDPFWJU0N","https://ap.wps.com/l/cbCaisduDPFWJU0N","pdf",459720,"English","# ACE Panel Assays Proposed Federal Scholarship, Loan, Insurance, Work-Study Plans\n## Hearing before the Senate Education Subcommittee\n## Assessment of S 2490 and program components\n## Cost projections and family financing deficits\n## Concerns about debt, administrative costs, and scholarship allocation","[{\"question\":\"What programs did the ACE panel discuss in the Senate hearing?\",\"answer\":\"The panel focused on proposed federal scholarship, loan, loan insurance, and work-study programs for college students.\"},{\"question\":\"Why does the text argue against relying on scholarships, jobs, or loans alone?\",\"answer\":\"It states that scholarship-only funding is costly without unlimited resources, jobs-only support diverts students’ time, and loan reliance places the heaviest debt burden on needy students.\"},{\"question\":\"How did the document describe projected increases in undergraduate costs and funding gaps?\",\"answer\":\"It projects total undergraduate costs rising from $3.89 billion in 1960 to $9.57 billion in 1970, while families’ ability to pay declines, creating a larger deficit that would require greater student aid.\"}]","ACE Panel Assays Proposed Federal Scholarship, Loan, Insurance, Work-Study Plans - Volume XIII - Number 6 | PDF",1789963634,15]