Perspectives

    Articles and analysis from LoanAmerica leadership on student lending, federal aid policy, and the economics of paying for school.

    Paying for College

    The Smartest Question Isn't “Where Should I Go to College?” It's “How Do I Pay for It Without Paying for It Twice?”

    The school you choose and the debt you take on are not two separate decisions. They are the same one, and most families give the second about ninety seconds.

    By Dr. Maurice Salter · August 12, 2026

    Federal Policy

    Parent PLUS and Grad PLUS Loan Caps Are Creating Funding Gaps for Students and Leaving Borrowers Over 50 With $450 Billion in Debt

    The new PLUS limits leave students scrambling for financing while borrowers over 50 still carry more than $450 billion. The system spends far more originating loans than helping anyone resolve them.

    Dr. Maurice Salter

    Endowments and Governance

    The Illiquidity Illusion

    University boards need to face endowment risk before the next downturn.

    Dr. Maurice Salter

    Borrower Protection

    Stay Ahead of the Curve

    Debt follows students out of every kind of program, and cosigners carry it too. The protections that exist are real, overlooked, and changing.

    Dr. Maurice Salter and William Harrison