[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-586543-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-586543-en":130},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","collecting-against-the-future-executive-summary-january-2020","Collecting against the future - Executive summary - January 2020","","Education and training beyond high school prepares students to contribute to communities, improve health outcomes, and strengthen the economy, yet Ohio’s policies undermine these goals by blocking progress toward postsecondary credential attainment. State law requires public institutions to certify broad categories of student debt to the Ohio Attorney General for collection, where interest, fines, added fees, and contingency commissions can escalate balances. School registration blocks and transcript withholding further prevent settling debts and reenrolling, creating disparate barriers for two-year community college students and certain four-year university outliers. The report highlights promising reenrollment practices and recommends better funding and policy changes for relief and debt-forgiveness.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/research-report/","Research & Report",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/collecting-against-the-future-executive-summary-january-2020/586543/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/collecting-against-the-future-executive-summary-january-2020/586543.png","ImageObject",300,407,{"name":42,"@type":43},"Angel","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-30","2026-10-15",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",9,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What Ohio policy requires public higher-education institutions to do with student debt?","Question",{"text":63,"@type":64},"Public higher-education institutions must certify student debt to the Ohio Attorney General’s Office (AGO) for collection, covering more than unpaid tuition, including certain fees, fines, and other charges.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"How can transcript withholding affect students’ ability to continue education?",{"text":68,"@type":64},"Schools can bar registration and withhold transcripts when students owe money, making it harder to resolve debts and reenroll on time, which can halt education and higher-paying career plans.",{"name":70,"@type":61,"acceptedAnswer":71},"What actions does the report recommend to reduce barriers to postsecondary education?",{"text":72,"@type":64},"It recommends improved funding for higher education, restructuring grant support to be a first-dollar award for low-income students, and policy changes such as requiring AGO demographic data, eliminating the requirement to send school debt to the AGO, and encouraging debt-forgiveness and re-enrollment initiatives.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},586543,1792192371,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,101,106,111,115,119,122,126],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":97,"doc_module":4,"doc_module_name":25,"category_name":98,"show_sort_weight":99,"slug":100},5,"Comic",60,"comic",{"id":102,"doc_module":4,"doc_module_name":25,"category_name":103,"show_sort_weight":104,"slug":105},6,"Technology",50,"technology",{"id":107,"doc_module":4,"doc_module_name":25,"category_name":108,"show_sort_weight":109,"slug":110},7,"Healthcare",40,"healthcare",{"id":112,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":113,"slug":114},8,30,"research-report",{"id":55,"doc_module":4,"doc_module_name":25,"category_name":116,"show_sort_weight":117,"slug":118},"Religion & Spirituality",20,"religion-spirituality",{"id":117,"doc_module":4,"doc_module_name":25,"category_name":120,"show_sort_weight":117,"slug":121},"World Cup","world-cup",{"id":123,"doc_module":4,"doc_module_name":25,"category_name":124,"show_sort_weight":123,"slug":125},10,"Lifestyle","lifestyle",{"id":127,"doc_module":4,"doc_module_name":25,"category_name":128,"show_sort_weight":97,"slug":129},19,"General","general",{"code":4,"msg":82,"data":131},{"doc_id":79,"user_id":132,"nickname":42,"user_avatar":133,"doc_module":4,"category_id":112,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":139,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":144,"read_time":145,"preview_page_count":4},687207412472,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","February 2020  \nEducation & Training  \nCollecting against the future  \nStudent-debt practices undermine Ohio’s higher education goals  \nPiet van Lier  \nExecutive summary  \nEducation and training beyond high school matter today more than ever, preparing students to contribute to their communities, allowing them to lead healthier and more productive lives, and strengthening the economy. In today’s economy, higher education is increasingly important for those seeking jobs that pay a living wage.  \nUnfortunately, many Ohio policies work against the state’s goal that by 2025, 65% of Ohioans aged 25 to 64 will have a degree, certificate, or other postsecondary workforce credential of value. Among the barriers are weak state funding for public colleges and universities and insufficient, poorly structured need-based aid.  \nCertifying debt to the Attorney General  \nAnother barrier is state law requiring public higher-education institutions to certify student debt to the Ohio Attorney General’s Office (AGO) for collection. Debts include not only unpaid tuition, but library and lab fees, fines for non-payment, parking fines, and other fees not directly related to tuition. These practices are separate from loans students have taken to pay for school, which are generally owed to the federal government or other third-party lenders, and do not result in transcript withholding.  \nDebt that keeps a student from staying in school can start relatively small, although interest, fines, and fees can make the amounts balloon over time. In addition to late feesand fines at the school level, the AGO’s collections commission rate is generally 10% . The AGO pays debt collectors 21% on a contingency basis, and special counsel charges up to 33% depending on the type of debt. Unlike for most debt in Ohio, state law allows the AGO to add collection fees on top of debt owed, which can saddle students with even more to pay back. This practice, rare among states, means that every year lawyers and other third parties working for the AGO sue thousands of Ohio students for amounts that are often many times more than their original past-due accounts.  \nMeanwhile, the state’s public schools bar registration and withhold transcripts when students owe them money, making it harder for students to settle their accounts and reenroll.  \nEnding educational aspirations  \nTogether, these state and school policies can permanently end students’ educational aspirations and trap them in low-wage jobs. Students generally cannot re-enroll if they have unpaid debts to the school. Debts that have been sent to the AGO accrue additional fees and are harder to pull back to the school for quick resolution that allows for timelyre-enrollment. At the same time, a student’s plan to continue their education or get higher-paying jobs can be effectively halted by the inability to access a transcript. The students clearly suffer, but so do the economies of Ohio’s communities and the state as a whole.  \nData show disparate impact  \nOur analysis found that these policies are more likely to present barriers for students attending the state’s two-year community colleges, which enroll more people who historically have had less access to postsecondary education, including Black and Latinx students, older students, and first-generation students. The number of debts per student is higher at two-year schools than it is at four-year schools.  \nCOLLECTING AGAINST THE FUTURE 2  \nThree universities are outliers among Ohio’s four-year schools. The average value of active debt accounts certified to the AGO by Ohio’s only public historically Black university, Central State, is substantially higher than at other Ohio schools, both two-and four-year. Central State, Shawnee State University and the University of Toledo also have higher numbers of certified accounts per enrolled student than other four-year schools. The reasons for these disparities are complex and require further study.  \nPromising practices  \n","cbCainorhMc1CWnv","https://ap.wps.com/l/cbCainorhMc1CWnv","pdf",399288,18,"English","# Executive summary\n## Certifying debt to the Attorney General\n## Ending educational aspirations\n## Data show disparate impact\n## Promising practices\n## Recommendations","[{\"question\":\"What Ohio policy requires public higher-education institutions to do with student debt?\",\"answer\":\"Public higher-education institutions must certify student debt to the Ohio Attorney General’s Office (AGO) for collection, covering more than unpaid tuition, including certain fees, fines, and other charges.\"},{\"question\":\"How can transcript withholding affect students’ ability to continue education?\",\"answer\":\"Schools can bar registration and withhold transcripts when students owe money, making it harder to resolve debts and reenroll on time, which can halt education and higher-paying career plans.\"},{\"question\":\"What actions does the report recommend to reduce barriers to postsecondary education?\",\"answer\":\"It recommends improved funding for higher education, restructuring grant support to be a first-dollar award for low-income students, and policy changes such as requiring AGO demographic data, eliminating the requirement to send school debt to the AGO, and encouraging debt-forgiveness and re-enrollment initiatives.\"}]","Collecting against the future - Executive summary - January 2020 | PDF",1792058288,45]