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Modern Education

Specificity of functionality of student loan system in the United States

Tropina Zhanna

PhD in Economics

Docent, the department of Financial Markets and Banks, Financial University under the Government of the Russian Federation

125284, Russia, g. Moscow, ul. Leningradskii Prospekt, 49

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Abstract: The subject of this research is the current system of student loans in the United States. The author analyzes major federal programs for students, types of loans, loan service plans, conditions for receiving scholarship for education. Special attention is given to the specificity of formation of student loan funds of higher educational institutions, and effective system of supervision and control over the parties to the program by the Department of Education that represents government interests. The research employs the dialectical method of cognition, as well as general scientific methods of analysis, synthesis, analogy, etc. The following conclusions were made: the established in the United States system of student loans is sufficiently effective; despite ample opportunities for receiving quality higher education for those born into wealthy families, the United States student loan system affords an opportunity for receiving higher education to the representatives of all social groups.

Keywords: security, solvency, unsubsidized credit, subsidized credit, federal educational credit, educational credit, credit, accessibility of higher education, state programs, credit fund
This article written in Russian. You can find full text of article in Russian here .

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