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Presents key metrics such as total borrowers, total outstanding debt, and need-based aid, while also addressing borrowing avoidance, refinancing scrutiny, and state protections. 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\nBrian Backstrom  \nMay 2021  \nABOUT THE AUTHOR  \nBrian Backstrom is the director of education policy studies at the Rockefeller Institute of Government  \nStudent Debt In New York State  \nNearly 43 million college student borrowers across the United States owe more than $1.56 trillion in outstanding federal student loans.1 The number of student borrowers in the country has increased by 1.3 million, or 3.1 percent, over the past five years, while the amount of outstanding student debt in the country has increased by a whopping $ 353.9 billion or 29.2 percent, more than nine times the rate of the increase in borrowers.2  \nWith more than 300 public and private colleges and universities in New York State3 that enroll nearly 1.3 million students,4 measuring, monitoring, and addressing the burdens associated with financing a college education in New York have become critical policy issues. With the third highest college enrollment of any state in the nation (6 .4 percent of the US total5 ), New York is also an important bellwether of national policy.  \nThis report compiles, updates, and significantly builds upon much of the work done by the Rockefeller Institute of Government on student loan debt. These analyses and commentaries are a supplement to additional work done by the Institute on the related issue of college access and affordability, notably For Many, Is College Out of Reach?6 and Reducing the Cost of College (August 2018), an analysis prepared by the Institute for the New York State Higher Education Services Corporation.  \nStudent Debt in New York State at a Glance  \nPOLICY BRIEF  \nI. The State of Student Debt in New York State  \n1. A Picture of Student Debt in New York State  \n2. New York Student Debt in a National Context  \n3. Student Debt at SUNY and CUNY  \n4. College Affordability  \n5. Student Loan Defaults  \n6. New York Student Loan Forgiveness and Debt Relief Programs and Participation  \nBLOGS  \nII. Avoiding Student Loans: Investing in Prepaid Tuition Plans  \nIII. Are Student Loan Refinancing Options Too Good to Be True? Truth in Advertising and Caveat Emptor  \nIV. How States Are Protecting Student Loan Borrowers  \nV. Student Loan Debt Reform in the Virus’s Economic Wake  \nPOLICY FORUM  \nVI. Student Debt Is a National Crisis. Do We Really Need to Know More than THAT? (Panel Discussion at Albany Law School’s Anderson Breakfast Forum)  \nStudent Debt in New York State at a Glance  \n2.4M  \nTOTAL STUDENT LOAN BORROWERS  \n$90.3B  \nTOTAL STUDENT LOAN DEBT OUTSTANDING  \n$1B+  \nTOTAL NEED-BASED COLLEGE AID AWARDED BY NEW YORK STATE  \n58%  \nSTUDENT LOAN BORROWERS  \nAGE 34 OR YOUNGER  \nSUNY / CUNY AVERAGE STUDENT LOAN DEBT AT GRADUATION  \n$27,000  \n$13,400  \n$16,300  \n$10,800  \n$37,600  \nAVERAGE STUDENT LOAN BALANCE  \n$19,000  \nMEDIAN STUDENT LOAN BALANCE  \nSUNY  \nOverall  \nBaccalaureate  \nAssociate  \nOverall  \nBaccalaureate  \nAssociate  \nCUNY  \nSUNY / CUNY GRADUATES WITHOUT FEDERAL  \nSTUDENT LOAN DEBT  \n47.5% 37.0%  \n59.0% 79.2%  \n74.4% 86.1%  \nThe State of Student Debt in New York State  \nThis policy brief examines various aspects of student debt in New York State, offering a detailed picture of college loan debt incurred by graduates of the state and New York City university systems (SUNY and CUNY) . It expands upon and updates earlier work appearing in “A Deeper Look at Student Loan Debt in New York State” published in November 2018.7  \nNearly 43 million college student borrowers across the United States owe more than $1.56 trillion in outstanding federal student loans.8 The number of student borrowersin the country has increased by 1.3 million, or 3.1 percent, over the past five years, while the amount of outstanding student debt in the country has increased by a whopping $353.9 billion or 29.2 percent, more than nine times the rate of the increase in borrowers.9  \nWith more than 300 public and private colleges and universities i","cbCaitDJEIUUr9cq","https://ap.wps.com/l/cbCaitDJEIUUr9cq","pdf",4521091,52,"English","# Student Debt in New York State at a Glance\n## I. The State of Student Debt in New York State\n## 1. A Picture of Student Debt in New York State\n## 2. New York Student Debt in a National Context\n## 3. Student Debt at SUNY and CUNY\n## 4. College Affordability\n## 5. Student Loan Defaults\n## 6. New York Student Loan Forgiveness and Debt Relief Programs and Participation\n## II. Avoiding Student Loans: Investing in Prepaid Tuition Plans\n## III. Are Student Loan Refinancing Options Too Good to Be True? Truth in Advertising and Caveat Emptor\n## IV. How States Are Protecting Student Loan Borrowers\n## V. Student Loan Debt Reform in the Virus’s Economic Wake\n## VI. Student Debt Is a National Crisis. Do We Really Need to Know More than THAT?","[{\"question\":\"What is the main focus of the policy brief on student debt in New York State?\",\"answer\":\"It examines student loan debt burdens for graduates in New York State’s public university systems, especially SUNY and CUNY, and provides a detailed picture of college loan debt and related policy concerns.\"},{\"question\":\"How does New York’s situation compare to the national landscape in the brief?\",\"answer\":\"The brief places New York’s borrower and debt levels in a national context, describing growth in student borrowers and outstanding federal student loans over the past five years.\"},{\"question\":\"Which topics are covered beyond basic student debt levels?\",\"answer\":\"Coverage includes college affordability, student loan defaults, and New York’s forgiveness and debt-relief programs, along with related discussions such as prepaid tuition options and refinancing risks.\"}]","Student Debt In New York State - Compendium of Work by the Rockefeller Institute of Government - May 2021 | PDF",1792055281,131]