The Evolution of Student Loans: Challenges and Consequences

This chapter explores the historical origins of student loans in the U.S., tracing their development from Cold War-era policies to the current student loan crisis. It examines the impact of regulatory shifts on enrollment in for-profit institutions, particularly among marginalized groups, and the resulting burdens of debt faced by graduates. The discussion emphasizes the necessity for targeted policy solutions to effectively address the varied challenges presented by the current student loan landscape.