Funding of education and student finance Books

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Book SynopsisThe updated Sixth Edition of the best-selling Proposal Writing: Effective Grantsmanship for Funding offers a fresh, robust presentation of the basics of program design and proposal writing for community services funding. Authors Soraya M. Coley, Cynthia A. Scheinberg, and new co-author Yulia A. Levites Strekalova help readers develop the knowledge they need to understand community agencies, identify and describe community needs, identify funding sources, develop a viable program evaluation, prepare a simple line-item budget, and write a compelling need statement. The jargon-free, step-by-step presentation makes the book as useful to students in the university classroom as to first-time grant writers in the nonprofit setting. The new edition adds activities that can be done individually or in class to build students′ skills and apply the chapter material.Table of ContentsPreface About the Authors Chapter 1: An Orientation to Proposal Writing A Book for the Beginning Grant Writer A Brief History of Giving and Philanthropy Differences Between Grants and Contracts Definition of a Proposal Request for Proposals (RFP) Key Points for Chapter 1 Chapter 1 Activities Chapter 2: Understanding the Nonprofit Agency About the Nonprofit Mission-Driven Analysis of the Agency/Organization Organizational Capacity Key Points for Chapter 2 Chapter 2 Activities Chapter 3: Finding and Applying for Funding Finding Funding The Federal Government The State and Local Government Foundations and Corporate Giving Crowdsourced Funding Search and Review Is This Information for Real? Key Points for Chapter 3 Chapter 3 Activity Chapter 4: The Proposal Overview The Components of a Proposal Proposal Submission and Scoring Process Key Points for Chapter 4 Chapter 4 Activities Chapter 5: Logistics and Basics of Writing the Proposal The Nuts and Bolts of Writing a Proposal Writing for an Established versus New Organization Writing a Proposal for a Collaborative Writing Style and Format Using Audio/Visual Media Key Points for Chapter 5 Chapter 5 Activities Chapter 6: Design the Program Understand the Community Through Data Formulating Program Ideas Key Points for Chapter 6 Chapter 6 Activities Chapter 7: Program Objectives and Evaluation Evaluation Four Steps to Preparing the Objectives and Evaluation Plan A Logic Model Writing the Evaluation Section Ethical Considerations Key Points for Chapter 7 Chapter 7 Activity Chapter 8: Writing the Need or Problem Statement The Aim of the Need/Problem Statement A Guide to Writing the Need Statement Theory of Change Key Points for Chapter 8 Chapter 8 Activities Chapter 9: Program Description Implementation Plan The Project Narrative Project Timeline Scope of Work Forms Key Points for Chapter 9 Chapter 9 Activities Chapter 10: Creating the Budget and Budget Justification The Budget Context Preparation of a Line-Item Budget Other Types of Budgets Other Budgeting Issues Key Points for Chapter 10 Chapter 10 Activities Chapter 11: Other Proposal Components and Finishing Touches Project Abstract Agency Capability Statement Sustainability Statement Letters of Support Memorandum of Understanding (MOU) Finishing Touches Key Points for Chapter 11 Chapter 11 Activities Appendix A • Estimating Time Appendix B • Funding Resource Information Appendix C • Budget Appendix D • Additional Information Appendix E • Proposal Sections Appendix F • Handout Materials References and Suggested Readings

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Book SynopsisTrade Review"In a crowded field of studies on higher education, Broke distinguishes itself by presenting a truly unique, multifaceted, and critical portrait of the 'new university' as a racial project. Hamilton and Nielsen convincingly demonstrate how processes of 'postsecondary racial neoliberalism' concentrate underrepresented students of color in the least resourced public universities. In these institutional settings, diversity policies and practices are shaped not by only colorblind ideology, but austerity as well."--Michael Omi and Howard Winant, coauthors of Racial Formation in the United States "Broke has the makings of a classic for the sociology of higher education, race, and class stratification. Hamilton and Nielsen document the evolution of the 'new university' in race- and class-stratified society during what they coin as the 'postsecondary racial neoliberal' era. Bolstered by strong empirical analyses and captivating, incisive writing, this book draws the reader in and beckons us to shatter both the realities and ironies of segregated university education as conduits of economic mobility in a wealthy society." --Prudence L. Carter, author of Stubborn Roots: Race, Culture, and Inequality in U.S. and South African SchoolsTable of ContentsIntroductionThe Changing Face of the UC 1. Battle with the Rankings 2. P3 Paradise 3. Running Political CoverResponses to Underfunding 4. Austerity Administration 5. Tolerable SuboptimizationDealing in Diversity 6. Student Labor and Centers of Support with Veronica Lerma 7. Marketing DiversityBreaking the Cycle Acknowledgments Methodological Appendix: On Being White and Studying Race Notes References Index

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Book SynopsisTable of ContentsIntroduction 1 Part 1: Getting Started with Stock Investing 5 Chapter 1: Introducing the World of Stock Investing 7 Chapter 2: Assessing Your Current Financial Situation and Goals 15 Chapter 3: Defining Different Approaches to Stock Investing 33 Chapter 4: Understanding Risk and Volatility 45 Part 2: Doing Some Digging Before You Buy Stocks 65 Chapter 5: Gathering Information on Investments 67 Chapter 6: Choosing Winning Stocks with Basic Accounting 91 Chapter 7: Deciphering Company Documents to Pick Stocks 111 Chapter 8: Working with Brokers 125 Part 3: Understanding Essential Stock Strategies and Tactics 139 Chapter 9: Investing in Stocks for Long-Term Growth 141 Chapter 10: Investing in Stocks for Income and Cash Flow 153 Chapter 11: Exploring Exchange-Traded Funds 171 Chapter 12: Surveying Emerging Sector and Industry Opportunities 181 Chapter 13: Looking at Brokerage Orders and Trading Techniques 195 Chapter 14: Handling Taxes on Stock Investments 213 Part 4: The Part of Tens 227 Chapter 15: Ten Hallmarks of a Great Stock 229 Chapter 16: Ten Investment Strategies That Work Well with Stocks 239 Index 247

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Book SynopsisAdults can find the means to go back to school despite the pressures of work, family, and a mortgage with this guide to funding continued education. With expanded information on online and distance learning and part-time classes and new financial aid, loan, and scholarship opportunities, this updated resource teaches adult students how to find and win scholarships designed especially for them, obtain financial support from employers, get financial aid for distance learning, receive larger financial aid packages, take advantage of educational tax breaks, trade tuition costs for volunteer service, and cancel education debts with loan forgiveness programs. Twenty firsthand anecdotes inspire adult students with creative and unusual ways to pay for their education.

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Book SynopsisThe future of public higher education is being held hostage by financial institutions and actors. How did it get this way? Lend & Rule reveals the “shadow governance” of debt and credit in the United States higher education system. With sharp and hard-hitting insight, the Coalition Against Campus Debt exposes how institutional debt is a primary driver of university austerity, miseducation, and the deepening of societal inequality.Addressing how our lives are entangled in a debt economy, they develop the analysis necessary to transform higher education in today’s neoliberal racial capitalist political economy.Part theoretical analysis, part toolbox for organizers in higher education, Lend & Rule is an invaluable resource for anyone engaged in debt abolition struggles or looking to acquire a critical and transformative vision of higher education today.

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Book SynopsisIn the current world of tightening budgets and increased competition for grant money, Developing A Winning Grant Proposal provides the guidelines, strategies, plans, and techniques to craft a fundable grant proposal. Table of ContentsPreface1: Developing a Proposal2: Monitoring Funding Sources3: Establishing Needs4: Beginning Elements of the Proposal5: Procedures, Management, and Evaluation6: Calculating a Budget7: Preparing Research Proposals8: Strategies for Classroom Support9: Submitting the Proposal10: Implementing Your Grant Or I have the $$, What Now?

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Book SynopsisAs Ruch makes clear, the major for-profit colleges and universities offer a different approach to higher education-one that may be increasingly influential in the future.Trade ReviewA balanced description of how and why [for-profit colleges and universities] continue to attract growing enrollments, and his text will be useful for anyone who wants to understand this significant trend... The chapters about for-profit finance and academic culture are particularly insightful. Highly recommended. Library Journal Higher Ed., Inc: The Rise of the For-Profit University offers a window into, as well as a defense of, this brave new pedagogical world. -- Christopher Shea Washington Post MagazineTable of ContentsContents:Foreword, by George Keller Acknowledgments1. Confessions of a For-Profit Dean 2. The Players 3. The History of For-Profit Education in the United States 4. The Financing of For-Profit Higher Education 5. The Academic Culture of For-Profit Universities 6. Lessons from the For-Profit SideNotes Index

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Book SynopsisOffering answers to essential questions about student debt and many connected issues, this book examines student debt in the United States at every stage of the processfrom the banks that issue the loans to the colleges and universities that collect the payments.Student lending in the United States is one of the most controversial issues in contemporary American discourse. Are these loans the only option for Americans who want to attend college and university in order to attain the best careers and have a productive, enjoyable life? Should the predatory lending practices of for-profit colleges and universities be stopped? How can limits be imposed on student lending amounts without preventing students from getting the education they need to succeed?The book explains why so many students are borrowing large amounts of money to attend college; considers whether the cost of higher education is simply too high, and if there should be a cap on how much money students can borrow; explTrade ReviewThis work is suitable for most academic and public libraries. * Booklist *This reference work can be read as an analysis on the causes of today's crisis. It is also a useful compendium for researchers and students. Summing Up: Recommended. All readers. * Choice *Table of ContentsPreface, 1 Background and History, Introduction, 1958: National Defense Student Loan Program, 1965: The Higher Education Act—Loan Guarantees, 1972: Education Amendments, Ascendance of Student Loans within the Financial Aid System, Sallie Mae, 1978: Middle-Income Student Assistance Act, 1980s: Student Loans Become the Dominant Paradigm in Financial Aid, Changing Perceptions of Student Loans, Conclusion, References, 2 Problems, Controversies, and Solutions, Introduction, Following Borrowers, Protecting Creditors, Defining the "Problem" as One of Repayment Strain Leads to Narrowly Focused "Solutions," Tweaks around the Margins Rather Than Fundamental Reconsiderations, Information as the Answer, Putting a Lid on Student Borrowing—Is "Nothing" Better Than Student Debt?, Channeling Momentum for Good, Free College?, How about a Bailout?, Conclusion, References, 76 3 Perspectives, Introduction, Student Debt: How Did We Get Here and Why Should We Worry?: Mark Huelsman, Student Loans and Bankruptcy in the United States: Rajeev Darolia, Advice from Our Side of the FAFSA: Scott and Mandy Sponholtz, Developing a Mind-Set for Paying Off Student Debt: Phil Schuman, Education: Still Valuable, Just Not Equitable: Melinda Lewis, The College Conundrum—Does Student Debt Cancel Out the Value of Higher Education?: Aaron Conrad, 4 Profiles, Introduction, Researchers, Beth Akers, Sandy Baum, Meta Brown, Rohit Chopra, Rajeev Darolia, Jason Delisle, Rachel E. Dwyer, Susan Dynarski, William R. Emmons, Richard Fry, Sara Goldrick-Rab, Darrick Hamilton, Donald E. Heller, Robert Hiltonsmith, Jason N. Houle, Mark Huelsman, Bridget T. Long, Ben Miller, Laura W. Perna, Fabian T. Pfeffer, Tom Shapiro, Edward P. St. John, Journalists, Anya Kamenetz, Nicholas Lemann, Research and Policy Organizations, Access Group, Center for Responsible Lending, Center on Assets, Education, and Inclusion, Demos, Education Trust, Federal Reserve Bank of New York, The Institute for College Access & Success, National Association of Student Financial Aid Administrators, National Center on Education Statistics, New America, United for a Fair Economy, Veterans Education Success, Woodstock Institute, Young Invincibles, Organizations Providing Resources and Relief for Borrowers, , Hamilton Project, , Student Debt Crisis, Student Groups and Movements, Strike Debt/Rolling Jubilee, Student Labor Action Project, Fighting for a Debt-Free Future, , United States Student Association, Media Organizations, Hechinger News Service, Huffington Post, References, 5 Data and Documents, Data, Figure 5.1 Student Debt by Family Income, Figure 5.2 Student Loan Debt by Race/Ethnicity and Class, Figure 5.3 Average Debt for Bachelor's Degree Recipients, Figure 5.4 Use of Student Loans and Cumulative Debt, by Institution Type, Figure 5.5 Average Debt for Associate's Degree Recipients, over Time, Figure 5.6 Trends in Education Finance: Appropriations for Postsecondary Education and Net Tuition, Figure 5.7 Twenty-Year Trend in Student Loan Utilization, Table 5.1 Student Debt in Selected Countries, Figure 5.8 State Spending on Higher Education, per Full-Time Equivalent Student, in Constant 2010 Dollars, Figure 5.9 Average Estimated Full-Time Undergraduate Budgets, 2015–2016, Figure 5.10 Total Student Loan Debt, in Millions of (2014) Dollars, Documents, College Opportunity for a Better America Act (March 18, 2003), Senate Hearing, "Higher Education, Higher Cost, and Higher Debt" (February 16, 2007), Senate Hearing, "The Looming Debt Crisis" (March 20, 2012), Student Loan Affordability Act (April 11, 2013), President Obama's Remarks on Signing the Bipartisan Student Loan Certainty Act of 2013 (August 9, 2013), Memorandum on Helping Struggling Federal Student Loan Borrowers Manage Their Debt (June 9, 2014), President Obama's Remarks at a Question- and-Answer Session on Student Loan Debt and College Affordability with Tumblr Participants (June 10, 2014), Student Loan Servicing Reform Fundamentals (2016), Senator Elizabeth Warren's Questions Following Inspector General Report Detailing Faulty and Inaccurate Review of Servicemembers Civil Relief Act Compliance by Student Loan Servicers (March 3, 2016), 6 Resources, 7 Chronology, Glossary, Index, About the Authors,

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Book SynopsisInformation on 1.5 million scholarships, grants, and prizes is easily accessible in this revised directory with more than 300 new listings that feature awards indexed by career goal, major, academics, public service, talent, athletics, religion, ethnicity, and more.Each entry contains all the necessary information for students and parents to complete the application process, including eligibility requirements, how to obtain an application, how to get more information about each award, sponsor website listings, award amounts, and key deadlines. With scholarships for high school, college, graduate, and adult students, this guide also includes tips on how to conduct the most effective search, how to write a winning application, and how to avoid scams.

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Book SynopsisAn earnest life-planning manual with a decidedly old-fashioned feel Kirkus Review Have you ever wondered why some people seem to get rich quick, while others are destined for a life of financial struggle? The world has led you to believe that financial freedom only happens to the lucky few who have some uncommon talent. The truth is just the opposite! As you journey through this book, you will discover that financial freedom is within your reach, uncovering exactly why so many people struggle with money. Take the Helm is the definitive guide to getting past deep-rooted limitations and picking up powerful tools to help you make decisions, stay ahead of your financial life, and confidently navigate money management. This book is designed to help you navigate the seven seas of life from personal finances, career, and education to growing and protecting your wealth. We will help you make a crucial shift in your planning so you can chart the course to financial success, and Take the Helm will be your guide as you explore the magic of creating the financial power to pursue your dreams. By taking the steps to become financially fit, you will reap the benefits of: Increased happiness Reduced stress Finally building real wealth Taking control of your finances does not mean you have to give up the life you love. Get started today and enjoy the incredible benefits nested within this book.

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Book SynopsisTrade Review"Greenes' Guides have always been a source of great information and timely advice, and these new editions are no exception." -- Tina Segalla Grant, Director of College Counseling, Choate Rosemary Hall School

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Book SynopsisTable of ContentsPrefaceAbbreviationsChapter 1. University Financial Management Chapter 2. Principles of Accounting Chapter 3. IncomeChapter 4. ExpensesChapter 5. Capital AssetsChapter 6. BudgetsChapter 7. Financial ReportsChapter 8. Grants and ContractsChapter 9. Indirect CostsChapter 10. Institutional Financial StrategiesIndex

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Book SynopsisThe government documents included in this book are comprised of reports and testimonies from April 2018 to September 2018 on Student Loans. As of April 2018, over a million borrowers had taken steps to pursue Public Loan Forgiveness (PSLF) from the Department of Education, but few borrowers have been granted loan forgiveness to date. The first report examines the 1. Number of Borrowers pursuing PSLF and the extent to which Education has conducted outreach to increase borrower awareness of program eligibility requirements and 2. The extent to which Education has provided key information to PSLF servier and borrowers. Recommendations follow. The second report describes the roles of Federal Student Aids (FSA) non-school partners in the federal student financial aid program and assesses the extent to which FSAs policies and procedures for overseeing non-school partners protection of federal student aid data align with federal requirements, federal guidance and best practices. The third report examines how schools work with borrowers to manage schools cohort default rates and how these strategies affect borrowers and schools accountability for defaults, and the extent to which Education oversees the strategies schools and their default management consultants use to manage schools cohort default rates and informs the public about its efforts to hold schools accountable. Finally, the last report examines the status of Educations efforts to improve oversight of federal student loan services. Federal loans play a key role in ensuring access to higher education for millions of students each year. This report provides testimony over the last 3 years examining the weaknesses in Educations management and proposals for a new student loan servicer system.

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Book SynopsisThe Office of Federal Student Aid (FSA) is a Principal Office of the Department of Education (Education) and is tasked with ensuring that all eligible students enrolled in postsecondary educational schools benefit from federal financial assistance for education and training The objectives of chapter 1 are to: describe how FSA and schools use information they collect to manage the federal student aid program, determine the extent to which FSA policies and procedures for managing and protecting this information align with federal requirements, describe the extent to which schools have established policies and procedures for managing student aid information, and determine the extent to which FSA ensures that schools protect this information. Chapter 2 examines how Education certifies schools to administer federal student aid and how frequently schools are approved and denied certification; and the role of compliance audits in the certification process and what, if any, steps Education has taken to address the quality of the audit information. Chapter 3 describes the need analysis formulas used to calculate the Expected Family Contribution (EFC) for federal student aid applicants. The Department of Education''s Office of Federal Student Aid (FSA) partners with various entities ("non-school partners") that are involved primarily in supporting the repayment and collection of student loans The objectives of chapter 4 are to describe the roles of non-school partners and the types of personally identifiable information (PII) shared with them and assess the extent to which FSA policies and procedures for overseeing the non-school partners'' protection of student aid data adhere to federal requirements, guidance, and best practices. Chapter 5 examines how schools work with borrowers to manage schools'' cohort default rates, and how these strategies affect borrowers and schools'' accountability for defaults, and the extent to which Education oversees the strategies schools and their default management consultants use to manage schools'' cohort default rates and informs the public about its efforts to hold schools accountable. Chapter 6 examines the status of Education''s efforts to implement prior recommendations for improving oversight of federal student loan servicers. Year after year, more student loan dollars are disbursed than are repaid, resulting in an expanding federal loan portfolio as described in chapter 7.

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Book SynopsisThe number of students seeking postsecondary education at public or private nonprofit institutions has increased by 31 percent over the last decade, and close to 90 percent of the overall student population is now enrolled in these types of schools. As demand for a postsecondary education has grown, so has the cost, and families are finding college increasingly difficult to afford. To help students pay for college, the Department of Education (Education) provides assistance through Title IV of the Higher Education Act, awarding $133 billion in federal student aid in the 2009-2010 school year. To help ensure transparency and accountability in the public and private nonprofit postsecondary education sectors, this book reviews schools in these sectors with respect to their revenue trends; expenditure trends; student graduation rates; and disclosure of information to students on cost of attendance, graduation rates, and future employment. The book also briefly presents trends in out-of-pocket net price for college, the amount that students and their families must pay to attend college after subtracting grants, loans, work-study, and all other student aid from the total price of attendance. It also presents out-of-pocket net price by income levels for the most recent data available (2011-12). For comparability, findings are presented for undergraduates attending full time for a full year and also trends are presented separately for key institution types.

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Book SynopsisThe Department of Education (Education) relies on collection agencies to assist borrowers in rehabilitating defaulted student loans, which allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Education works with 22 collection agencies to locate borrowers and explain repayment options, including rehabilitation. From fiscal years 2011 to 2013, Education collected about $9 billion on over 1.5 million loans through rehabilitation, most of which was recovered by collection agencies. This book examines how Education assists borrowers in rehabilitating defaulted student loans; the upgrade of its defaulted loan information system affected loan rehabilitation; and Education oversees private collection agencies in implementing loan rehabilitation.

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Book SynopsisPrograms and policies designed to promote higher levels of financial capability among youth have proliferated in recent years in the aftermath of the recent economic crisis. This trend is fueled by the growing recognition that more must be done to equip young people with the knowledge, skills and attitudes that will serve as the basis for a lifetime of sound financial decision‐ making. The recent Executive Order establishing the President s Advisory Council on Financial Capability for Young Americans and the recent announcement of the Financial Literacy Education Commissions (FLEC) new strategic focus on "Starting Early for Financial Success" are both significant markers of increased levels of commitment and dedication among national policy makers to this important issue. This book examines the findings from the Assessing Financial Capability Outcomes (AFCO) Youth Pilot, and provides options and ways to save and invest for students.

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Book SynopsisStudent loans make up the nation''s second largest consumer debt market, surpassing all other categories of consumer debt aside from mortgages. Servicers are a critical link between borrowers and lenders. They manage borrowers'' accounts, process monthly payments, and communicate directly with borrowers. The servicer is often different than the lender, and a borrower typically has no control over which company services a loan. Regrettably, widespread servicing failures are being reported by both federal and private student loan borrowers. This book reviews and discusses public comments submitted in response to a request for information regarding student loan servicing by the Consumer Financial Protection Bureau. It includes recommendations for policymakers and market participants to improve borrower outcomes and reduce defaults, offering a roadmap for student loan servicing reform. This book also identifies a range of challenging issues for servicemembers with student loans.

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Book SynopsisMany eligible borrowers do not participate in the Department of Education''s (Education) Income-Based Repayment and Pay As You Earn repayment plans for Direct Loans, and Education has not provided information about the plans to all borrowers in repayment. These plans provide eligible borrowers with lower payments based on income and set timelines for forgiveness of any remaining loan balances. As of September 2014, outstanding federal student loan debt exceeded $1 trillion, and about 14 percent of borrowers had defaulted on their loans within 3 years of entering repayment, according to Education data. This book discusses how participation in Income-Based Repayment and Pay As You Earn compares to eligibility, and to what extent Education has taken steps to increase awareness of these plans; and what is known about Public Service Loan Forgiveness certification and eligibility, and to what extent Education has taken steps to increase awareness of this program.

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Book SynopsisThere is a profound linkage between the quality of a university and its financial resources. The universities of Oxford and Cambridge rank among the world''s finest educational institutions, and are able to draw on invested assets that are large by any standards. Endowment Asset Management explores how the colleges that comprise these two great universities make their investment decisions.Oxford and Cambridge are collegiate institutions, each consisting of a federal university and over 30 constituent colleges. While the colleges may have ostensibly similar missions, they are governed independently. Since they interpret their investment objectives differently, this gives rise to some remarkably dissimilar approaches to investment, which the authors explore in detail.The first study of its kind, Endowment Asset Management analyses the objectives, investment philosophy, asset management and governance of over 60 college and university endowment funds. Drawing on exhaustive research and detailed discussions with Oxford and Cambridge investment bursars, the authors investigate issues such as asset allocation and spending policy, which have a major influence on the institutions'' financial health. This study reveals the colleges'' individualism and diversity, and carefully analyses their strategies, which range from the traditional to cutting edge.The authors'' findings are thought provoking for anyone concerned with the assets of foundations, endowments, charities, family offices, or trusts. All investors with a long-term investment horizon will find it extremely engaging.Trade ReviewAll in all, Archarya & Dimson are to be hugely praised for producing a really useful and solid book, full of thought-provoking and stimulating material * David Palfreyman, Oxford Magazine *A thought provoking read. * Wealth Management *Table of Contents1. Endowment Definition ; 2. The Investment Committee ; 3. Investment Objective ; 4. Spending Policy ; 5. Asset Allocation ; 6. Investing in Property ; 7. Issues in Portfolio Management ; 8. Portfolio Risk ; 9. Consultant Selection and Monitoring ; 10. Manager Selection and Monitoring ; 11. Socially Responsible Investment ; 12. Performance Measurement ; 13. Endowment Management Cost ; 14. Fund Raising: Role of Gifts ; 15. Conclusion

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a huge range and FREE tracked UK delivery on ALL orders.

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a huge range and FREE tracked UK delivery on ALL orders.

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Book SynopsisA critical and deeply informed survey of the brave new world of UK Higher Education emerging from government cuts and market-driven reforms.Trade Review'In the 1960s student activists argued that books are weapons. Today, student activists and trade unionists require an arsenal of weapons to fight back against the Tories' assault on higher education. Andrew McGettigan offers just that' -- Mark Bergfeld, NUS National Executive and spokesperson for the Education Activist Network'Andrew McGettigan is one of the most respected and incisive commentators on higher education. There are no other texts at present that address the political economy of higher education and none that put all the pieces of the jigsaw together to reveal the picture with such clarity' -- John Holmwood, Professor of Sociology, Faculty of Social Sciences, University of Nottingham, co-founder of the Campaign for the Public University and editor of A Manifesto for the Public University (2011)'Whether you agree or disagree with him, Andrew McGettigan's critique of the Government's higher education policies is essential reading. He brings a unique perspective to the debate, which is all the richer for it' -- Shabana Mahmood, Shadow Minister of State for Higher Education'What a splendid book, bang up-to-date and comprehensive. Anybody wanting to understand the present UK policy framework and wanting to have a critical account of it could not do better than start with this book; and so engagingly presented and written too. It deserves to be a winner' -- Ron Barnett, Emeritus Professor of Higher Education, Institute of Education, University of London.'Andrew McGettigan is in my opinion by far the most knowledgeable person in the country on the government's obscure and yet revolutionary programme of change for universities. Essential and deeply worrying reading' -- Simon Szreter, Professor of History and Public Policy, University of Cambridge'This is a must-read book for those who work in higher education and are interested in current education policies' -- Samantha A. Shave, Journal of Social PolicyTable of ContentsPreface & Acknowledgement Abbreviations List of Figures and Tables Introduction: Privatisation the plan and the gamble Part I Funding: Fees and Loans 1. The Mass Higher Education System and its Funding 2. Tuition Fees 3. Student Loans – the basics Part II Marketisation 4. Why a Market 5. Market Mechanisms 6. Regulating the New Market 7. ‘New providers’, for-profits & private equity Part III Privatisation 8. University Finances and Overseas Income 9. Corporate Form, Joint Ventures & Outsourcing 10. University Bonds & other credit products 11. Governance Part IV Financialisation 12. Loans – the government’s perspective 13. Managing the Loan Book Conclusion Glossary Index

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