Conclusion

Financial aid counseling is an important tool that can be used to assist students and their families with making decisions about higher education. Emerging research is expanding the understanding of how counseling programs can be designed to maximize their impact on decisionmaking. However, study participants across many different types of institutions indicated that their efforts are limited by a variety of factors, including limited resources and regulatory compliance issues. Focus group participants' comments suggest that policymakers and school administrators should consider how existing programs may be revised to maximize the positive impact that counseling can have on student loan borrowers.

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