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Many borrowers rely on student loans, creating $1.6 trillion in federal debt held by 42 million people, with negative impacts on financial stability and basic needs security, especially for students of color.",{"@graph":14,"@context":64},[15,34,55],{"@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/college-affordability-federal-policy-solutions-to-advance-gender-equity-overview/585067/",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/college-affordability-federal-policy-solutions-to-advance-gender-equity-overview/585067.png","ImageObject",300,407,{"name":42,"@type":43},"Maya Linwood","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-24","2026-10-15",true,{"@type":52,"interactionType":53,"userInteractionCount":26},"InteractionCounter",{"@type":54},"ViewAction",{"@type":56,"mainEntity":57},"FAQPage",[58],{"name":59,"@type":60,"acceptedAnswer":61},"What role does the Pell Grant play and how has its coverage changed?","Question",{"text":62,"@type":63},"The document notes that the Pell Grant was established in 1972 and provides need-based aid, but due to rising college costs it covers the lowest share of attendance costs since it was established, reported as 26% at four-year public institutions.","Answer","https://schema.org",{"og:url":32,"og:type":66,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":68,"canonical":32},"index,follow",{"doc_id":70,"site_id":7},585067,1792867946,{"code":4,"msg":73,"data":74},"success",[75,79,83,87,92,97,102,106,111,114,118],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":76,"show_sort_weight":77,"slug":78},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":80,"show_sort_weight":81,"slug":82},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":84,"show_sort_weight":85,"slug":86},"Exam",70,"exam",{"id":88,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},5,"Comic",60,"comic",{"id":93,"doc_module":4,"doc_module_name":25,"category_name":94,"show_sort_weight":95,"slug":96},6,"Technology",50,"technology",{"id":98,"doc_module":4,"doc_module_name":25,"category_name":99,"show_sort_weight":100,"slug":101},7,"Healthcare",40,"healthcare",{"id":103,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":104,"slug":105},8,30,"research-report",{"id":107,"doc_module":4,"doc_module_name":25,"category_name":108,"show_sort_weight":109,"slug":110},9,"Religion & Spirituality",20,"religion-spirituality",{"id":109,"doc_module":4,"doc_module_name":25,"category_name":112,"show_sort_weight":109,"slug":113},"World Cup","world-cup",{"id":115,"doc_module":4,"doc_module_name":25,"category_name":116,"show_sort_weight":115,"slug":117},10,"Lifestyle","lifestyle",{"id":119,"doc_module":4,"doc_module_name":25,"category_name":120,"show_sort_weight":88,"slug":121},19,"General","general",{"code":4,"msg":73,"data":123},{"doc_id":70,"user_id":124,"nickname":42,"user_avatar":125,"doc_module":4,"category_id":103,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":126,"file_id":127,"file_url":128,"file_type":129,"file_size":130,"view_count":26,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":88,"language":131,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":132,"faqs":133,"seo_title":134,"seo_description":12,"update_tm":135,"read_time":136,"preview_page_count":4},962084928432,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","COLLEGE  \nAFFORDABILITY  \nFederal Policy Solutions to Advance Gender Equity | February 2025  \nOVERVIEW  \nResearch shows the economic benefits of postsecondary degree attainment, including higher earnings and lifetime wages. However, the full cost of college attendance is too high for most students even after receiving tuition assistance, such as grants and scholarships, making access to college inequitable, especially for lowincome students and students of color. The rising college costs have outpaced inflation and income growth, widening the financial gap between the financial aid students receive and the full cost of attendance. States have also failed to adequately invest in postsecondary education in recent years following the recession.  \nBecause of the high costs, many students rely on loans to pay for college, and asa result, one in four adults in the United States has student loan debt. Student loan debt has negative impacts on the short-and long-term financial stability and outlook for borrowers. Meanwhile, many students continue to experience some form of basic needs insecurity.  \nPolicy solutions must look to provide equitable, affordable access to postsecondary education for all while also addressing the existing student debt burden for borrowers nationwide.  \n$1.6 TRILLION in federal student loans was owed  \nby 42 million borrowers in 2024.  \nEDUCATION AND CAREER ADVANCEMENT  \nWHAT THE RESEARCH SAYS  \n• The College Board reports that the  \ncost of college education has increased substantially over the past three decades.  \nThe average tuition and fees more  \nthan doubled at four-year public higher education institutions, increasing from $5,740 to $11,610 per year for in-state students. The average tuition and fees also increased for public two-year in-district students, from $2,780 to $4,050. These numbers do not account for additional necessary expenses, such as the cost of living, books, and supplies, making the real price of college much higher than the published amount.  \n• The average federal student loan debt balance in the United States was $38,375 in 2024, according to the Education Data Initiative. As of June 2024, federal data show about 42 million borrowers collectively owed just over $1.6 trillion in federal student loans—a staggering amount that does not include private loan debt.  \n• College education plays a crucial role in driving economic mobility. Research  \nfrom the Georgetown University Center on Education and the Workforce found that median lifetime earnings are much higher for those with a bachelor’s degree ($2,268,000) and an associate’s degree ($1,727,000) than those with only a highschool diploma ($1,204,000) .  \n• People of color experience the burden of student debt more acutely due to historic intergenerational wealth gaps. Black students are more likely to use student loans to pay for college than White students (90 percent and 66 percent, respectively, according to the Student Borrower Protection Center) . While Latino students borrow at lower rates, research from UnidosUS shows that they are more likely to struggle in repayment.  \n• The federal Pell Grant was established in 1972 and has provided need-based aid to low-and moderate-income students since then. However, due to the rising cost of college education, the Pell Grant currently covers the lowest share of college costs since it was established. The National Association of Student Financial Aid Administrators reports it is now only 26 percent of the cost of attendance at fouryear public institutions, which is a decline from 75 percent in 1975–76.  \n• A Trellis Strategies survey among postsecondary students found that 60 percent of respondents had experienced at least one form of basic needs insecurity—food, housing, or homelessness—with 9 percent experiencing all three. Rates are even higher among HBCU students, with  \n46 percent experiencing food insecurity, 55 percent reporting housing insecurity, and  \n20 percent experiencing","cbCaiteNCWEjJdPa","https://ap.wps.com/l/cbCaiteNCWEjJdPa","pdf",776410,"English","# Overview\n## What the Research Says\n## Education and Career Advancement\n## Why It Matters","[{\"question\":\"What role does the Pell Grant play and how has its coverage changed?\",\"answer\":\"The document notes that the Pell Grant was established in 1972 and provides need-based aid, but due to rising college costs it covers the lowest share of attendance costs since it was established, reported as 26% at four-year public institutions.\"}]","COLLEGE AFFORDABILITY - Federal Policy Solutions to Advance Gender Equity - Overview | PDF",1792053567,13]