Insights & Resources
Research, analysis, and practical perspectives on higher education finance, student lending, policy change, and institutional planning.
Public data can identify where financing pressure may exist. Institution-specific analysis helps translate those signals into practical campus planning questions.
Program-by-program analysis of modeled graduate and professional financing exposure, including policy-sensitive cases, program concentration, borrower counts, and repayment context.
View Sample Report PDFA deeper planning analysis that combines exposure with repayment context and the surrounding credit, income, and household-leverage environment relevant to replacement financing.
View Sample Summary PDFAn institution-specific guide to historical College Scorecard Parent PLUS measures, including borrowing breadth, cumulative debt, subgroup patterns, repayment context, and outstanding portfolio measures.
View Sample Report PDFA deeper planning analysis combining Parent PLUS borrowing patterns with student-origin, credit, income, and household-leverage conditions relevant to family financing.
View Sample Summary PDFPublic Policy Resource
A Resource from Campus Access Partners
Explore the principal federal legal frameworks affecting postsecondary debt across the debt lifecycle, alongside CAP’s enacted state law inventories for student loan servicing and oversight, transcript access, and institutional debt.
Campus Access Partners
Current Market Analysis
The federal student-finance market is moving from a broad federal backstop toward a more fragmented financing environment involving federal lending, private credit, state and nonprofit lenders, payment plans, institutional tools, household capacity, and other sources of capital. This overview examines the changing market structure and the implications for institutions, students, and financing providers.
View Student Loan Market Overview PDF2026 Conference Resources
State-level Graduate/Professional Financing Exposure and Parent PLUS analysis for independent colleges and universities across all 50 states and the District of Columbia, developed in connection with CAP’s work for the 2026 NAICUSE Conference.
External Research
Campus Access Partners has contributed to research and analysis developed with the Coalition of Higher Education Assistance Organizations examining the implementation and institutional implications of the new federal graduate and professional loan limits.
A COHEAO Resource
COHEAO’s national research initiative examining how the new federal graduate and professional borrowing limits may create uneven financing exposure across programs, institutions, states, repayment environments, and institutional response capacity.
Explore Mapping the Gap (opens in a new tab)COHEAO PDF
A concise public overview of the national findings, major exposure patterns, implementation concerns, and institutional planning questions.
View Summary Brief PDF (opens in a new tab)COHEAO PDF · August 2026
An August 2026 update reflecting subsequent federal guidance and the changing treatment of selected graduate and professional programs.
View Implementation Update PDF (opens in a new tab)From Research to Action
Campus Access Partners provides institution-specific analysis to help campus leaders understand financing exposure, evaluate readiness, and identify practical response options.
Commentary & Perspective
University Business · Op-Ed
Loan Caps Bring Both Opportunity and Crisis to Higher Ed
The new federal loan limits are more than a financial-aid change. This commentary examines why the effects may differ substantially across institutions and why financing readiness is becoming an institution-wide strategic question.
Read the University Business Op-Ed ↗ (opens in a new tab)