Title: Addressing the Abuse of Federal Student Loans by Colleges and Universities: A Case Study of the Impact on Student Debt and Financial Well-being. Abstract: The Federal Student Loan Program is designed to help students finance their higher education. However, some colleges and universities abuse the system by encouraging students to take out excessive student loans that result in high levels of debt and financial distress. This capstone thesis aims to investigate the impact of such abuse on student debt and financial well-being. The study will use a case study approach to analyze the experiences of students who have taken out excessive student loans and the financial strategies they have used to manage their debt. The findings will provide insights into the factors that contribute to the abuse of the Federal Student Loan Program by colleges and universities and recommendations for addressing this issue. This study is relevant in the contemporary environment as student debt has become a significant financial challenge, affecting the long-term financial well-being of many students. Title: Mitigating the Abuse of Federal Student Loans by Colleges and Universities through a Blended Learning Approach. Abstract: The abuse of Federal Student Loans by colleges and universities is a significant concern for students, resulting in high levels of debt and financial distress. A blended learning approach that combines asynchronous and synchronous methodologies can potentially mitigate this issue by providing students with more flexible and interactive learning opportunities. This capstone thesis aims to assess the effectiveness of a blended learning approach in mitigating the abuse of Federal Student Loans by colleges and universities. The study will use both qualitative and quantitative research methods to analyze the perceptions of students who have taken out excessive student loans and the effectiveness of the blended learning approach in promoting financial literacy and behavior. The findings will provide insights into the potential of a blended learning approach to address the abuse of Federal Student Loans and recommendations for enhancing the effectiveness of the approach in promoting financial literacy and behavior. This study is relevant in the contemporary environment as the COVID-19 pandemic has accelerated the adoption of online and blended learning, making it an ideal context for exploring the potential of this approach in addressing the abuse of Federal Student Loans. Title: Enhancing Financial Literacy in Online Learning Environments: An Investigation of the Impact of Asynchronous and Synchronous Methodologies on Federal Student Loan Borrowing Behavior. Abstract: The abuse of Federal Student Loans by colleges and universities has been a persistent issue, leading to high levels of student debt and financial distress. The shift to online learning due to the COVID-19 pandemic has created an opportunity to explore new teaching methodologies that can address this problem. This capstone thesis aims to investigate the impact of asynchronous and synchronous methodologies on Federal Student Loan borrowing behavior in online learning environments. The study will use both quantitative and qualitative research methods to analyze the impact of these methodologies on students' financial literacy, decision-making, and borrowing behavior. The findings will provide insights into the effectiveness of asynchronous and synchronous methodologies in promoting responsible borrowing and financial management. The study will also examine the role of institutional policies and practices in shaping students' borrowing behavior. The results of this study will inform recommendations for enhancing financial literacy in online learning environments and addressing the abuse of Federal Student Loans by colleges and universities. Title: A Comparative Study of the Effectiveness of In-Person and Online Financial Education Programs in Reducing Federal Student Loan Debt and Preventing Abuse by Colleges and Universities. Abstract: The Federal Student Loan Program has been a vital source of funding for students seeking higher education. However, colleges and universities have been accused of exploiting this program by encouraging students to take out excessive loans resulting in high levels of student debt and financial distress. Financial education programs have been proposed as a potential solution to this problem. This capstone thesis aims to conduct a comparative study of the effectiveness of in-person and online financial education programs in reducing Federal Student Loan debt and preventing abuse by colleges and universities. The study will use both quantitative and qualitative research methods to analyze the impact of these programs on student financial literacy, borrowing behavior, and long-term financial outcomes. The findings will provide insights into the most effective types of financial education programs and delivery methods in promoting responsible borrowing and financial management. The study is relevant in the contemporary environment as student debt has become a significant financial challenge, affecting the long-term financial well-being of many students. The results of this study will inform recommendations for enhancing financial education programs to reduce Federal Student Loan debt and prevent abuse by colleges and universities. Effective measures must be taken to reduce federal student aid abuse by colleges and universities, as the excessive borrowing by students has led to high levels of student debt and financial distress. By implementing policies that promote responsible borrowing and financial education programs that empower students with the necessary skills to make informed borrowing decisions, we can ensure that Federal Student Aid is used as a means to achieve higher education rather than being exploited by institutions.
