Borrowing Among Academically Underprepared Students: Facilitating Success or Perpetuating Inequity at the Community College?

Date
2016-01-01
Authors
McKinney, Lyle
Novak, Heather
Hagedorn, Linda
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School of Education
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Should students who are academically underprepared for college have immediate, unrestricted access to student loans? Approximately 60% of community college students nationally are placed into developmental coursework and completion rates for these students are highly disappointing: only one in 10 earns a community college credential within three years, while one in three has earned a bachelor’s degree within six years (Complete College America, 2012). Although most developmental education (Dev Ed) students drop out before earning a degree, a recent national study found that in 2011-12, Dev Ed community college students (36%) borrowed at similar rates as their college-ready peers (38%) (Fernandez, Barone, & Klepfer, 2014). Dev Ed students are a vulnerable population of borrowers, as non-completion has consistently been identified as the strongest predictor of loan default (Gross et al., 2009)

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This unpublished report is by Lyle McKinney, Heather Novak, Linda Serra Hagedorn, Borrowing Among Academically Underprepared Students: Facilitating Success or Perpetuating Inequity at the Community College? A report for Greater Texas Foundation. 2016

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