Student Debt by the (Text)book
鈥淚 saw a wonderful speaker once say that community colleges serve three populations: Those who need a first chance, those who need a second chance, and those who need a last chance…we get the folks who can鈥檛 go anywhere else, and if we can鈥檛 provide them a way out of the situation they鈥檙e in, nobody else will.鈥 noted Matt Reed, Vice President for Learning at Brookdale Community College in New Jersey. Reed was solemn, but clearly frustrated, too. He and four other higher education experts were together to describe the inadequacy of federal cost of attendance estimates, the numbers used by the government to distribute financial aid and by students to calculate living expenses. But the panel鈥檚 frustration with much broader issues was easily apparent throughout, and was directed at a higher education system that was never designed to be a social safety net for the poorest, but is increasingly starting to look like one. In the simplest of terms: Colleges now feel compelled to provide food aid, child care, free transportation, and counseling in order to cover the many gaps their students face.
While much of the present discussion on the rising cost of higher education focuses on the price of attendance, the reality is that the expense of college is much 鈥More Than Tuition.鈥 And this is especially the case for low-income community college students, who often turn to food pantries to eat, or otherwise take out loans to cover groceries and rent. It鈥檚 a reality neither experienced nor understood by many of the higher education policymakers who craft and regulate financial aid. Policymakers are often alumni of four-year colleges, and, Scott Carlson, Senior Writer at the Chronicle of Higher Education, explained their apotheosis of being a broke college student is 鈥淚 was hungry too; I ate ramen all the time.鈥 So many community college students are not even buying ramen鈥攖hey don鈥檛 have the money to eat at all.
For students at public two-year universities, the average share of their total student budget devoted to tuition and fees is twenty percent. 鈥楾uition鈥 doesn鈥檛 include rent, food, transportation, or textbooks, so cost of attendance estimates are used by the government to assess the financial aid needed to cover these additional expenses. However, the way in which cost of attendance is calculated is opaque and variable across schools, and 鈥攐n average, off-campus housing estimates for a county . It鈥檚 also hard to regulate cost of attendance determinations, as costs vary from state to state and school to school. Inaccurate cost of attendance numbers lead students to over or under borrow, which either begets unnecessary student debt or means students forgo food, housing, or most likely, the textbooks they need to pass their courses. While the tuition at community colleges is generally low, in the aggregate, inaccurate cost of attendance numbers have contributed much to the estimated $1.3 trillion in debt American students now owe.
This isn鈥檛 to say that these inaccurate numbers are solely the fault of colleges, as many students hide the necessities they鈥檙e forgoing, and schools only discover their cost of attendance numbers to be incorrect after consulting anonymous surveys, regional data, or other proxies. Reed offered examples of proxies used to identify homeless students: returned mail, phone numbers that keep changing, and students who consistently linger in the library until closing. 鈥淓nglish departments are really good sentinels,鈥 Reed noted, 鈥淪tudents will say things in papers that will break your heart.鈥 Those same students don鈥檛 buy their textbooks, especially when textbook costs . Since textbooks are a high cost of attendance driver, Reed has sought to expand the usage of open educational resources (OER) in courses at his institution, and he noted that courses using OERs saw their completion rates rise by ten percent. But even if we put aside copyright issues, OER is hard to scale鈥攃ampus bookstore revenue is cannibalized, professors have little time to develop new ancillary material, and some OERs are not yet high caliber.
There鈥檚 also a demographic trait that further complicates cost of attendance standardization. Twenty-six percent of community college students have children, and seventy percent of those students are female. These mothers often use loans to pay for child care so they can study and work part-time. Barbara Gault, Vice President and Executive Director at the Institute for Women鈥檚 Policy Research, cited that women who go without child care spend nearly 30 hours a week caring for dependents, limiting time for coursework and employment. This is even the case for online learning, Gault noted: 鈥淵ou can’t necessarily watch your kid while you’re doing anything else.鈥
How, then, to accurately assess the cost of college for the students who need affordability most? Increasing the transparency of cost of attendance determinations is a preliminary necessity, argued Rachel Fishman, a senior policy analyst at 国产视频, so students can push back against 鈥渁 $2,000 allocation for room and board in a metro area like New York City.鈥 Gault argued that colleges themselves can change culture by welcoming children to events and being more welcoming to single mothers. Reed suggested high schools should replace AP and IB courses with dual enrollment college credit courses, so students can earn credit earlier. He also argued for more transfer pipelines from community colleges to elite schools. 鈥淸I鈥檇 ask policymakers,] 鈥榃ould you send your kid to the community college, and if not, why not? I鈥檇 want to hear the answer. I want us to get to the point where the answer is, 鈥極f course.鈥”
But the main takeaway was that the rising cost of college cannot be fixed through more financial aid. Jee Hang Lee, Vice President for Public Policy and External Relations for the Association of Community College Trustees, articulated that the federal government can鈥檛 resolve all of the issues that accompany low-income students. 鈥淲e鈥檙e never going to get a Pell Grant that鈥檚 going to get to $10,000 in the next two years; that鈥檚 just not feasible,鈥 he remarked. Fishman mentioned as one ambitious solution, a policy idea that鈥檚 at the moment.
Whatever the solution, at the very least, community college shouldn鈥檛 ever be someone鈥檚 last chance for the American Dream, much less the only way by which people can hope to make a life for themselves and their children. Community college should be so much more: someone鈥檚 first choice, because it provides a thorough education whilst being sensibly and accurately priced, and because it doesn鈥檛 force students to choose between textbooks and putting food on the table.