68 customizable lessons, aligned with National Standards, exams and more.
Read NGPF's school-by-school analysis of financial education in America today
Activities
Advocacy
Behavioral Economics
Best Of
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Buying a Car
Career
Checking
Consumer Skills
Credit
Cryptocurrencies
Current Events
Curriculum Announcements
Economics
Entrepreneurship
Edpuzzle
ELL Resources
FinCap Friday
Gambling and Sports Betting
Insurance
Interactive
Investing
Math
Paying for College
Philanthropy
Podcasts
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Professional Development
Question of the Day
Savings
So Expensive Series
Taxes
Teacher Talk
Chart showing rate of increase of college tuition and fees vs. inflation measure (PCE Price Index); from Bloomberg:
According to the Federal Reserve of New York in a recent research report:
When students fund their education through loans, changes in student borrowing and tuition are interlinked. Higher tuition costs raise loan demand, but loan supply also affects equilibrium tuition costs—for example, by relaxing students’ funding constraints. To resolve this simultaneity problem, we exploit detailed student-level financial data and changes in federal student aid programs to identify the impact of increased student loan funding on tuition. We find that institutions more exposed to changes in the subsidized federal loan program increased their tuition disproportionately around these policy changes, with a sizable pass-through effect on tuition of about 65 percent.
The report is quite timely as average student debt levels (for the 70% of graduates who borrow) are close to (or exceed) the maximum federal student loan limits. At some point, there will be pressure to increase federal loan limits and by drawing a link between loan supply and tuition increases, this research may make that a more challenging proposition.
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Check out this NGPF Activity that helps students understand the difference between sticker and net prices for college.
Question: How Do Credit Cards Make It Easier for Us To Overspend?
Question: Does a College Degree Pay Off?
Question of the Day: What percentage of high schoolers, full-time college students, and part-time college students work while in school?
Question of the Day: [Veterans Day] What percentage of tuition and fees does the Post-9/11 GI Bill cover for veterans attending an in-state public school?
Question of the Day: What is the average amount of student debt for college graduates?
Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.
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