Abstract
[...]the state or federal government should make it easy for loans to be obtained, but the individual should ultimately pay for the degree. [...]the rationale behind this issue of American Behavioral Scientist is to engage in a discussion about various aspects of financial aid to lay the groundwork for useful policy-related and research-focused paths that might be taken. [...]William Trent, Heather Sophia Lee, and Dawn Owens-Nicholson explore the reasons behind Heller's assertion by investigating how low-income students perceive of college costs, loans, and their own self-efficacy.