2003-04 National Postsecondary Student Aid Study (NPSAS:04): student financial aid estimates for 2003-04.

Berkner, Lutz ; He, Shirley ; Lew, Stephen 等

This article was originally published as the Introduction and Selected Findings of the E.D. TAB of the same name. The sample survey data are from the National Postsecondary Student Aid Study (NPSAS).

This report presents selected findings about the financial aid received by postsecondary students during the 2003-04 academic year. It is based on survey data in the 2003-04 National Postsecondary Student Aid Study (NPSAS:04).

NPSAS:04 is based on data collected from a sample of about 80,000 undergraduates and 11,000 graduate and first-professional students who were enrolled at any time between July 1, 2003, and June 30, 2004, in about 1,400 postsecondary institutions. The sample was limited to institutions in the 50 states, the District of Columbia, and Puerto Rico that were eligible to participate in the federal financial aid programs in Title IV of the Higher Education Act. The NPSAS:04 study sample represents about 19 million undergraduates and 3 million graduate and first-professional students. Because NPSAS:04 includes students enrolled at any time over a 12-month period, it includes more students than were enrolled only in the 2003 fall term. Preliminary data from the Integrated Postsecondary Education Data System indicate that about 15 million undergraduates and 2.5 million graduate and first-professional students were enrolled in the fall of 2003.

NPSAS classifies financial aid by type (e.g., grants, loans, work-study, graduate assistantships, or some combination) and by the source of aid funds (e.g., federal, state, institutional, or employer). Financial aid includes any type of aid received from any source except parents, friends, or relatives. However, the aid estimates do not include federal tax credits for postsecondary education (Hope and Lifelong Learning) and do not include all types of borrowing for education (such as credit cards or home equity loans). The tables in this report show the percentage of students who received financial aid of a particular type or from a particular source, and the average amount that was received by those students who were awarded that category of aid. Students may receive more than one type of aid and aid from more than one source.

The estimates presented in the report were produced using the NCES Data Analysis System (DAS) Online, a web-based table-generating application that provides the public with direct, free access to the NPSAS:04 data as well as other postsecondary datasets collected by NCES. The NPSAS:04 estimates are subject to sampling and nonsampling errors. The DAS produces the design-adjusted standard errors necessary for testing the statistical significance of differences in the estimates. All comparisons made in the text were tested using Student's t statistic for comparing two numbers, and all differences cited are statistically significant at the .05 level. Additional information about public access to the data files with the DAS and the data sources used in the survey is presented in appendix B of the full report.

The following provides some general information about the financial aid data presented in the tables. More details about the particular variables used to produce the tables are available in appendix A of the full report. The brief descriptions of the federal Title IV programs are based on the U.S. Department of Education's comprehensive 2003-04 Federal Student Aid Handbook, available at http://ifap.ed.gov/ IFAPWebApp/currentSFAHandbooksPag.jsp.

Institution and Student Characteristics

Information about the type of institution attended only includes students who were enrolled at one institution. Students who attended more than one institution during the 2003-04 academic year are classified in a separate category because the institution at which they were sampled was not necessarily where they received their financial aid.

The attendance pattern is important in understanding the distribution of financial aid because students who are enrolled part time or for only part of an academic year are not eligible to receive as much aid as students enrolled full time for a full academic year. Full-time/full-year attendance is defined as being enrolled full time for 9 or more months during the academic year (July 1, 2003, through June 30, 2004).

Many financial aid programs are need based, which means that eligibility is usually related to income level. A critical question in determining students' need for financial aid is whether the students are dependent or independent of their parents for financial support. For financial aid purposes, most undergraduates under the age of 24 are considered to be dependent on their parents. The exceptions are those under 24 who are married, have dependents of their own, are veterans, or are orphans or wards of the court. These exceptions, as well as graduate students and any students age 24 or older, are considered to be independent for financial aid purposes.

For dependent students, financial aid need analysis takes into consideration the income of the dependent student's parents; for independent students, only the income of the student (and a spouse, if married) is considered. The tables show total income in 2002 because financial aid need analysis is based on income in the calendar year prior to the academic year (2003-04).

Types of Financial Aid

The three basic types of undergraduate financial aid are grants, student loans, and work-study jobs. Grants include grants, scholarships, or tuition waivers from federal, state, institutional, or private sources, including employers. Grants may be awarded on the basis of need or merit, or both. Merit may be defined as academic success, athletic ability, artistic talents, or criteria established by institutions other than financial need. Student loans may be from any source, but federal Parent Loans for Undergraduate Students (PLUS) are excluded from the student loan totals. PLUS loans to parents are included in the "other type of aid" category, as are veterans' benefits and job training funds. Students may receive more than one type of aid and aid from more than one source.

Sources of Financial Aid

The federal financial aid totals include a small percentage of students who received aid from programs that are not included in the federal Title IV programs described below. The federal aid totals do not include veterans' benefits or Department of Defense programs. Federal grants are Pell Grants, Federal Supplemental Educational Opportunity Grants (FSEOGs), and a small percentage of grants from other non-Title IV federal programs. Federal student loans are Stafford and Perkins loans and a small percentage of loans from the federal Public Health Service. The student loan totals exclude PLUS loans to parents.

Although some states and postsecondary institutions fund their own student loan and work-study programs, only grants are shown separately for state and institutional aid funds.

Federal Title IV Aid

The programs in Title IV of the Higher Education Act are the primary source of federal financial aid to students. The federal Title IV programs include Pell Grants, Stafford student loans, parent PLUS loans, and three campus-based programs (federal work-study, Perkins loans, and FSEOGs). Pell Grants are awarded on the basis of need and are intended to aid students in the lower income levels. The maximum Pell Grant amount in 2003-04 was $4,050.

There are two types of federal Stafford loans. Subsidized Stafford loans are need based, and the federal government pays the interest for students while they are enrolled. Unsubsidized Stafford loans are not need based, and students are charged interest on the loans while they are enrolled. Students who qualify may take out subsidized, unsubsidized, or a combination of both types of Stafford loans. Both types of Stafford loans have annual borrowing limits that vary by student class level and dependency status. For example, in 2003-04, the combined (subsidized plus unsubsidized) annual Stafford loan limits ranged from $2,625 for dependent first-year undergraduates to $5,500 for dependent undergraduates in the third year or above; for independent undergraduates, the annual loan limits ranged from $6,625 for first-year students to $10,500 for independent students in the third year or above; and for graduate and first-professional students, the annual loan limit was $18,500, but students at eligible medical schools could borrow up to $38,500 annually.

PLUS loans are available to the parents of dependent undergraduates and are not need based. There is no fixed annual PLUS loan limit. Parents may borrow any amount that does not exceed the student's total price of attendance at the institution minus any other financial aid received.

The federal Title IV campus-based program funds are allocated to institutions, and the financial aid officers at the institutions determine the allocation of awards to students within federal guidelines. Pell Grant recipients are given priority for FSEOG awards and Perkins loans.

Graduate and First-Professional Aid

Graduate students include any students who have earned a bachelor's degree and are enrolled in master's degree, doctoral degree, or postbaccalaureate certificate programs, or are taking advanced-level courses without being formally enrolled in a degree program. First-professional students are enrolled in advanced degree programs in the fields of law, medicine and related fields, and theological professions. The income levels shown are the income of the student and a spouse, if married.

The major types of financial aid received by graduate and first-professional students are student loans, grants (including fellowships), and assistantships (including teaching, research, or any other graduate assistantships). Grant and fellowship funds may come from any source. The source of funds for graduate fellowships and assistantships is not usually specified in the data sources. Research assistantships and fellowships administered by the institutions may include funds from federal and other outside sources.

Aid from employers is included in the grants category and is also shown separately. Employer aid consists of tuition reimbursements to students from employers, grants to students from their parents' employers, and tuition waivers from the institution for faculty or staff and their dependents. Although graduate students holding assistantships may be considered employees of the institution attended, tuition waivers for graduate assistants are not included in the employer aid category. Such tuition waivers are included in the total grants category, however.

Selected Findings *

Types of financial aid received by undergraduates in 2003-04 (tables A and B)

* Sixty-three percent of all undergraduates enrolled in the 2003-04 academic year received some type of financial aid (grants, loans, work-study, or other). Those who received aid were awarded an average amount of $7,300.

* About one-half (51 percent) of undergraduates received grants and about one-third (35 percent) took out student loans in 2003-04. Eight percent of all undergraduates received aid through work-study jobs and 7 percent received other types of aid (federal PLUS loans to parents, veterans' benefits, and job training funds).

* The average amount of grant aid received by undergraduates who were awarded grants was $4,000 in 2003-04. Among those who took out student loans, the average amount borrowed for the 2003-04 academic year was $5,800. The average work-study award was $2,000.

* Three-fourths (76 percent) of undergraduates who were enrolled full time for the full academic year in 2003-04 received some type of financial aid. The average amount of financial aid received by aided full-time, full-year undergraduates was $9,900.

* About one-half of full-time, full-year undergraduates took out student loans and 62 percent received grants in 2003-04. The average amount borrowed by full-time, full-year undergraduates for the 2003-04 academic year was $6,200. The amount of grant aid received by full-time, full-year undergraduates in 2003-04 was $5,600.

Sources of aid funds received by undergraduates in 2003-04

* Forty-six percent of all undergraduates received financial aid funded by the federal government in 2003-04. About one-third (34 percent) took out federal student loans, 28 percent received federal grants, and 6 percent held federal work-study jobs.

* Undergraduates who took out federal loans borrowed an average amount of $5,100 through federal loan programs in 2003-04. Undergraduates who were awarded federal grants received an average amount of $2,600 in federal grants. Undergraduates who held federal work-study jobs received an average amount of $1,800 for work-study.

* Among undergraduates enrolled in 2003-04, 15 percent received grants from state funds; the average state grant amount that they received was $2,000. Among undergraduates enrolled full time for the full academic year, 23 percent received state grants; the average state grant amount that they received was $2,400.

* Eighteen percent of all undergraduates received grants from the postsecondary institutions that they attended in 2003-04. The average amount of institutional grant aid that they received was $4,200. Among undergraduates enrolled full time for the full academic year, 30 percent received institutional grants.

Federal Title IV program aid received by undergraduates in 2003-04

* Forty-six percent of all undergraduates received financial aid from one or more federal Title IV programs in 2003-04.

* Federal Pell Grants were awarded to 27 percent of all undergraduates in 2003-04. The average Pell Grant amount received was $2,500. Undergraduates enrolled full time for the full academic year who were awarded Pell Grants received an average grant of $3,100.

* Twelve percent of all undergraduates enrolled in 2003-04 received aid through one or more of the federal campus-based Title IV aid programs, which include Perkins loans, federal work-study, and FSEOGs. The average amount of federal campus-based aid received by undergraduates from one or more of these programs was $1,800.

* One-third (33 percent) of all undergraduates took out federal Stafford loans in 2003-04, borrowing an average of $4,900. Subsidized Stafford loans, which are awarded on the basis of need, were taken out by 28 percent of undergraduates. Unsubsidized Stafford loans, which are available without a test of need, were taken out by 21 percent of undergraduates.

* In 2003-04, parents of 9 percent of dependent undergraduates who were enrolled full time for the full academic year borrowed an average of $9,400 through the PLUS program.

Income distribution of dependent undergraduate federal Title IV aid recipients

* Among all dependent undergraduates who received federal Pell Grants in 2003-04, 84 percent came from families with incomes under $40,000.

* Among all dependent undergraduates who received federal Title IV campus-based aid in 2003-04, 55 percent came from families with incomes under $40,000.

* Among all dependent undergraduates who took out subsidized Stafford loans in 2003-04, 44 percent came from families with incomes under $40,000.

* Among all dependent undergraduates who took out unsubsidized Stafford loans in 2003-04, 29 percent came from families with incomes of $100,000 or more.

Income distribution of independent undergraduate federal Title IV aid recipients

* Among all independent undergraduates who received Pell Grants in 2003-04, 40 percent had incomes under $10,000.

* Among all independent undergraduates who received federal Title IV campus-based aid in 2003-04, 45 percent had incomes under $10,000.

* Among all independent undergraduates who took out any Stafford loans in 2003-04, 26 percent had incomes under $10,000.

Aid received by graduate and first-professional students in 2003-04 (tables C and D)

* About three-fourths (73 percent) of all graduate and first-professional students enrolled in the 2003-04 academic year received some type of financial aid. The average amount of aid received was $15,100.

* Forty-two percent of graduate and first-professional students took out student loans in 2003-04, borrowing an average amount of $16,800. Among students in first-professional degree programs, 78 percent took out student loans, borrowing an average amount of $26,400.

* In the 2003-04 academic year, 40 percent of all graduate and first-professional students received grants from institutional, state, federal, or private sources, including employers. The average amount received was $5,700.

* Fifteen percent of graduate and first-professional students received aid from teaching, research, or other graduate assistantships in 2003-04. The average amount received from assistantships was $10,000. Forty-one percent of graduate students in doctoral degree programs held assistantships and received an average amount of $13,300.

* Excluding students holding assistantships, 21 percent of graduate and first-professional students received aid from employers in 2003-04, usually as tuition reimbursements. The average aid amount that they received from employers was $3,000. Among part-time students, 26 to 29 percent received aid from employers.

Footnotes

* The numbers in the Selected Findings refer to totals that include Puerto Rico.

Data source: The NCES 2003-04 National Postsecondary Student Aid Study (NPSAS:04).

For technical information, see the complete report: Berkner, L., He, S., Lew, S., Cominole, M., and Siegel, P. (2005). 2003-04 National Postsecondary Student Aid Study (NPSAS:04): Student Financial Aid Estimates for 2003-04 (NCES 2005-158).

Author affiliations: L. Berkner, S. He, and S. Lew, MPR Associates, Inc.; M. Cominole and P. Siegel, RTI International.

For questions about content, contact Aurora D'Amico (aurora.d'amico@ed.gov).

To obtain the complete report (NCES 2005-158), visit the NCES Electronic Catalog (http://nces.ed.gov/pubsearch).

By: Lutz Berkner, Shirley He, Stephen Lew, Melissa Cominole, and Peter Siegel

Table A. Percentage of undergraduates receiving selected types of
financial aid, by type of institution, attendance
pattern, dependency status, and income level: 2003-04

Institution and student Any Any Student
characteristics aid grants loans

 All graduates

U.S. total (excluding 63.0 50.4 35.1
 Puerto Rico)
Total (50 states, DC, 63.2 50.7 35.0
 and Puerto Rico)

 Type of institution

 Public

Less-than-2-year 49.7 37.5 12.2
2-year 46.8 39.8 12.1
4-year non-doctorate-granting 67.6 50.6 42.3
4-year doctorate-granting 69.2 52.2 45.7

 Private not-for-profit

Less-than-4-year 84.1 71.1 48.5
4-year non-doctorate-granting 85.1 74.8 57.9
4-year doctorate-granting 80.4 71.3 53.6

 Private for-profit

Less-than-2-year 83.0 64.1 57.3
2-year or more 92.3 66.5 81.4
More than one institution 66.3 47.6 42.7

 Attendance pattern

Full-time/full-year 76.1 62.2 49.5
Full-time/part-year 66.2 49.4 39.8
Part-time/full-year 60.5 49.1 27.9
Part-time/part-year 40.5 31.9 12.7

 Full-time/full-year undergraduates

 Dependency status

Dependent 73.5 59.3 46.7
Independent 82.9 69.4 56.6

 Dependency and income in 2002

 Dependent students

Less than $20,000 87.8 85.7 46.2
$20,000-39,999 85.7 80.1 53.3
$40,000-59,999 73.9 59.9 49.4
$60,000-79,999 69.0 50.6 47.6
$80,000-99,999 70.3 49.0 48.3
$100,000 or more 60.9 40.4 38.1

 Independent students

Less than $10,000 84.4 79.9 56.6
$10,000-19,999 89.1 79.7 62.0
$20,000-29,999 85.7 68.5 60.0
$30,000-49,999 80.8 60.7 56.1
$50,000 or more 68.3 37.3 44.1

Institution and student Any other
characteristics Work-study aid

 All undergraduates

U.S. total (excluding 7.5 7.0
 Puerto Rico)
Total (50 states, DC, 7.5 6.9
 and Puerto Rico)

 Type of institution

 Public

Less-than-2-year
2-year 3.0 11.3
4-year non-doctorate-granting 3.5 4.1
4-year doctorate-granting 8.7 6.8
 8.3 8.3

 Private not-for-profit

Less-than-4-year 6.6 10.3
4-year non-doctorate-granting 20.1 11.0
4-year doctorate-granting 22.8 10.1

 Private for-profit

Less-than-2-year 2.0 10.6
2-year or more 2.4 9.9
More than one institution 7.0 8.2

 Attendance patters

Full-time/full-year 13.5 9.4
Full-time/part-year 4.6 7.7
Part-time/full-year 4.2 4.5
Part-time/part-year 1.9 4.3

 Full-time/full-year undergraduates

 Dependent status

Dependent 15.4 10.2
Independent 8.8 7.5

 Depedency and income in 2002

 Dependent students

Less than $20,000 19.9 5.6
$20,000-39,999 22.0 7.9
$40,000-59,999 17.5 10.1
$60,000-79,999 14.0 12.2
$80,000-99,999 12.8 13.4
$100,000 or more 8.3 11.3

 Independent students

Less than $10,000 13.7 5.4
$10,000-19,999 9.8 7.3
$20,000-29,999 6.1 8.5
$30,000-49,999 5.6 9.3
$50,000 or more 1.9 10.0

NOTE: "Any aid" includes all types of financial aid from any source
except parents, friends, or relatives. "Any grants" include grants,
scholarships, or tuition waivers from federal, state, institutional, or
private sources, including employers. "Student loans" may be from any
source, but exclude federal Parent Loans for Undergraduate Students
(PLUS). "Other" types of aid include federal PLUS loans to parents,
veterans' benefits, and job training funds. Students may receive more
than one type of aid. Full-time/full-year students were enrolled full
time for 9 or more months from July 1, 2003, to June 30, 2004.
Independent students are age 24 or over and students under 24 who are
married, have dependents, are veterans, or are an orphan or ward of the
courts. Other undergraduates under age 24 are considered to be
dependent. For dependent students, income is the income of their
parents. Independent student income includes the income of a spouse if
the student is married. Prior-year (2002) income is used in federal need
analysis. Estimates include students at postsecondary institutions in
Puerto Rico.

SOURCE: U.S. Department of Education, National Center for Education
Statistics, 2003-04 National Postsecondary Student Aid Study (NPSAS:04).
(Originally published as table 1 on p. 10 of the complete report from
which this article is excerpted.)

Table B. Average amounts of selected types of financial aid received
by undergraduates, by type of institution,
attendance pattern, dependency status, and income level: 2003-04

Institution and student Total Total Student
characteristics aid grants loans

 All undergraduates

U.S. total (excluding $7,400 $4,000 $5,800
Puerto Rico)
Total (50 states, DC, 7,300 4,000 5,800
and Puerto Rico)

 Type of institution

 Public

Less-than-2-year 3,800 2,200 5,400
2-year 3,200 2,200 3,600
4-year non-doctorate-granting 6,700 3,500 5,300
4-year doctorate-granting 8,100 4,200 5,800

 Private not-for-profit

Less-than-4-year 7,600 4,300 5,300
4-year non-doctorate-granting 12,100 6,900 6,700
4-year doctorate-granting 15,000 9,000 7,300
Private for-profit
Less-than-2-year 6,300 2,700 5,000
2-year or more 9,900 3,600 7,400
More than one institution 7,200 3,500 5,800

 Attendance pattern

Full-time/full-year 9,900 5,600 6,200
Full-time/part-year 5,900 2,900 5,100
Part-time/full-year 5,400 2,700 5,800
Part-time/part-year 3,000 1,600 4,500

 Full-time/full-year undergraduates

 Dependency status

Dependent 10,100 6,000 5,600
Independent 9,500 4,500 7,500

 Dependency and income in 2002

 Dependent students

Less than $20,000 10,300 6,900 5,200
$20,000-39,999 10,500 6,400 5,400
$40,000-59,999 9,700 5,500 5,700
$60,000-79,999 9,800 5,500 5,700
$80,000-99,999 10,100 5,700 5,800
$100,000 or more 9,900 5,900 5,800

 Independent students

Less than $10,000 10,400 5,400 7,000
$10,000-19,999 9,700 4,400 7,300
$20,000-29,999 9,500 4,300 7,700
$30,000-49,999 8,700 3,400 8,000
$50,000 or more 7,800 2,800 8,400

Institution and student Total
characteristics Work-study other aid

 All undergraduates

U.S. total (excluding $2,000 $6,200
 Puerto Rico)
Total (50 states, DC, 2,000 6,200
 and Puerto Rico)

 Type of institution

 Public

Less-than-2-year 2,600 3,000
2-year 2,000 2,800
4-year non-doctorate-granting 2,000 5,400
4-year doctorate-granting 2,100 7,100

 Private not-for-profit

Less-than-4-year 1,500 5,900
4-year non-doctorate-granting 1,600 8,100
4-year doctorate-granting 2,100 12,200
Private for-profit

 Private for-profit

Less-than-2-year 2,100 5,900
2-year or more 2,700 6,700
More than one institution 1,900 6,200

 Attendance patter

Full-time/full-year 1,900 7,900
Full-time/part-year 1,800 4,800
Part-time/full-year 2,100 4,600
Part-time/part-year 2,000 2,700

 Full-time/full-year undergraduates

 Dependency status

Dependent 1,900 8,800
Independent 2,100 4,800

 Dependent students

Less than $20,000 1,900 6,400
$20,000-39,999 1,900 7,100
$40,000-59,999 1,900 7,400
$60,000-79,999 1,800 8,300
$80,000-99,999 1,700 9,400
$100,000 or more 2,100 11,200

 Independent students

Less than $10,000 2,000 4,700
$10,000-19,999 2,400 5,100
$20,000-29,999 2,000 4,900
$30,000-49,999 2,400 4,000
$50,000 or more [double 5,400
 dagger]

[double dagger] Reporting standards not met.

NOTE: Amounts are averages for those who received the specified type
of aid. "Total aid" includes all types of financial aid from any source
except parents, friends, or relatives. "Total grants" include grants,
scholarships, or tuition waivers from federal, state, institutional,
or private sources, including employers. "Student loans" may be from
any source, but exclude federal Parent Loans for Undergraduate
Students (PLUS). "Other" types of aid include federal
PLUS loans to parents, veterans' benefits, and job training funds.
Students may receive more than one type of aid. Full-time/full-year
students were enrolled full time for 9 or more months from July 1,
2003, to June 30, 2004. Independent students are age 24 or over and
students under 24 who are married, have dependents, are veterans, or
are an orphan or ward of the courts. Other undergraduates under age
24 are considered to be dependent. For dependent students, income is
the income of their parents. Independent student income includes the
income of a spouse if the student is married. Prior-year (2002) income
is used in federal need analysis. Estimates include students at
postsecondary institutions in Puerto Rico.

SOURCE: U.S. Department of Education, National Center for Education
Statistics, 2003-04 National Postsecondary Student Aid Study (NPSAS:04).
(Originally published as table 2 on p. 11 of the complete report from
which this article is excerpted.)

Table C. Percentage of graduate and first-professional students
receiving selected types of financial aid, by type of institution,
 graduate program, attendance pattern, and income level: 2003-04

Institution and student Any aid Grants
characteristics Any Employer
 grants aid

U.S. total (excluding 72.6 39.9 20.4
Puerto Rico)
Total (50 states, DC, 72.6 40.1 20.5
and Puerto Rico)

 Type of institution

 Public 4-year

 Non-doctorate-granting 59.5 29.7 19.6
 Doctorate-granting 71.8 41.7 17.5

 Private not-for-profit 4-year

 Non-doctorate-granting 69.2 37.5 29.5
 Doctorate-granting 77.3 41.9 17.5
Private for-profit 4-year 90.6 43.6 43.6
More than one institution 72.3 40.6 22.5

 Graduate program

Master's degree 71 38.5 24.2
Doctoral degree 82.6 54.7 14.2
First-professional degree 88.8 40.8 6.2
Other and nondegree 53.6 31.4 23.2

 Attendance pattern

Full-time/full-year 87 44.7 9.2
Full-time/part-year 68.5 34 18.8
Part-time/full-year 70.7 40.5 25.6
Part-time/part-year 56.2 34.5 28.7

 Income level

Less than $10,000 80.9 38.8 8.9
$10,000-19,999 81.7 40.9 9.8
$20,000-29,999 78.9 36.9 13
$30,000-49,999 70.9 40.4 24.6
$50,000 or more 62.3 41.5 32.5

Institution and student Total Student loans
characteristics assistant- Any Stafford
 ships loans loans

U.S. total (excluding 14.8 42 39.5
Puerto Rico)
Total (50 states, DC, 14.8 42 39.5
and Puerto Rico)

 Non-doctorate-granting 9.9 32.2 31.1
 Doctorate-granting 24.5 36 33.1

 Non-doctorate-granting 2.7 37.8 36.7
 Doctorate-granting 10.7 50.5 47.1
Private for-profit 4-year 0.1 74.6 74.2
More than one institution 10.8 48.7 47.6

Master's degree 12.4 40.8 38.5
Doctoral degree 41.2 30.5 28.1
First-professional degree 6.9 78.4 74
Other and nondegree 5.6 24.9 23.8

Full-time/full-year 21.6 63.6 59.6
Full-time/part-year 13.5 39 37.2
Part-time/full-year 14 37.3 35.5
Part-time/part-year 6.9 19.6 18.3

Less than $10,000 19 59.8 55.7
$10,000-19,999 29.4 48.9 46.6
$20,000-29,999 18.7 53 50.9
$30,000-49,999 12.1 39.8 37.2
$50,000 or more 6.4 25.2 23.7

NOTE: "Any aid" includes all types of financial aid from any sources
(federal, state, institutional, or private) except parents, friends,
or relatives. Grants may come from any source and include fellowships,
tuition waivers, and aid from employers. Employer aid excludes tuition
waivers to students holding assistantships. Teaching assistantships
are funded by institutions, but research assistantship funds may come
from any source. Stafford loans include those administered through the
Federal Family Education Loan Program (FFELP) and the William D. Ford
Federal Direct Loan Program. Students may receive Stafford loans that
are subsidized, unsubsidized, or both. Students may receive more than
one type of aid. Income is the total income of the student and spouse
(if married) for calendar year 2002. Estimates include students at
postsecondary institutions in Puerto Rico.

SOURCE: U.S. Department of Education, National Center for Education
Statistics, 2003-04 National Postsecondary Student Aid Study
(NPSAS:04). (Originally published as table 9 on p. 18 of the complete
report from which this article is excerpted.)

Table D. Average amounts of selected types of financial aid received
by graduate and first-professional students, by type of institution,
graduate program, attendance pattern, and income level: 2003-04

Institution and student Grants
characteristics Total Total Employer
 aid grants aid

U.S. total (excluding $15,200 $5,700 $3,000
Puerto Rico)
Total (50 states, DC, 15,100 5,700 3,000
and Puerto Rico)

 Type of institution

 Public 4-year

 Non-doctorate-granting 7,100 2,600 2,300
 Doctorate-granting 14,700 5,800 2,500
Private not-for-profit 4-year
 Non-doctorate-granting 8,500 2,900 2,600
 Doctorate-granting 20,500 7,700 3,800
Private for-profit 4-year 15,200 4,600 4,600
More than one institution 14,800 4,700 2,200

 Graduate program

Master's degree 11,800 4,400 3,200
Doctoral degree 20,200 10,200 3,500
First-professional degree 27,500 7,100 3,500
Other and nondegree 7,800 2,700 1,700

 Attendance pattern

Full-time/full-year 23,200 8,600 3,400
Full-time/part-year 12,600 6,500 4,300
Part-time/full-year 11,400 4,200 3,200
Part-time/part-year 6,000 2,700 2,300

 Income level

Less than $10,000 20,700 6,900 3,000
$10,000-19,999 18,300 7,800 3,200
$20,000-29,999 15,800 6,800 2,500
$30,000-49,999 13,400 5,000 3,100
$50,000 or more 9,800 4,100 3,000

Institution and student Total Student loans
characteristics assistant- Total Stafford
 ships loans loans

U.S. total (excluding $10,100 $16,900 $15,500
Puerto Rico)
Total (50 states, DC, 10,000 16,800 15,400
and Puerto Rico)

 Non-doctorate-granting 6,400 8,700 8,800
 Doctorate-granting 10,000 15,500 15,000
Private not-for-profit 4-year
 Non-doctorate-granting [??] 12,300 12,200
 Doctorate-granting 12,300 21,900 18,500
Private for-profit 4-year [??] 15,700 15,200
More than one institution 7,100 16,400 15,500

Master's degree 8,300 13,600 13,000
Doctoral degree 13,300 17,800 16,700
First-professional degree 7,500 26,400 22,500
Other and nondegree 6,400 11,800 11,300

Full-time/full-year 11,400 21,400 18,800
Full-time/part-year 9,300 12,900 11,600
Part-time/full-year 9,600 13,000 12,800
Part-time/part-year 6,000 10,100 10,200

Less than $10,000 8,900 20,300 18,000
$10,000-19,999 11,000 17,000 15,200
$20,000-29,999 11,200 14,700 13,600
$30,000-49,999 10,400 15,300 14,200
$50,000 or more 8,700 14,700 14,400

[??] Reporting standards not met.

NOTE: Amounts are averages for those who received the specified type
of aid. "Total aid" includes all types of financial aid from any
sources (federal, state, institutional, or private) except parents,
friends, or relatives. Grants may come from any source and include
fellowships, tuition waivers, and aid from employers. Employer aid
excludes tuition waivers to students holding assistantships. Teaching
assistantships are funded by institutions, but research assistantship
funds may come from any source. Stafford loans include those
administered through the Federal Family Education Loan Program (FFELP)
and the William D. Ford Federal Direct Loan Program. Stafford loans
include both subsidized and unsubsidized loan amounts. Students may
receive more than one type of aid. Income is the total income of the
student and spouse (if married) for calendar year 2002. Estimates
include students at postsecondary institutions in Puerto Rico.

SOURCE: U.S. Department of Education, National Center for Education
Statistics, 2003-04 National Postsecondary Student Aid Study
(NPSAS:04). (Originally published as table 10 on p. 19 of the complete
report from which this article is excepted.)