Chapter  IV

The  Student  as  a  Financial  Risk  page
Education  as  a  Commercial  Venture  61
The  Cash  Value  61
Education  an  Investment  64
Analysis  of  Student  Credit  %  65
Credit  as  Applied  to  Education  66
Training  to  the  Student  66
Student  Security  67
Reasons  for  Lösses  68
Endorsements  69
Group  Guarantee  70
Purpose  to  be  Served  by  Group  Guarantee  70
Service  of  the  Group  Guarantee  71
The  Guarantee  Fund  74
Disposing  of  the  Guarantee  Fund  75

Chapter  V
Financing  the  Student
The  Student’s  Problem  77
Personal  Economics  or  Finance  77
The  Student’s  Budget  79
The  Announcement  and  the  Student’s  Budget  79
Making  the  Budget  82
Kinds  of  Student  Aid  82
Self-Help  '•  83
Management  of  Self-Help  84
Self-Help  and  Student  Finance  85
Self-Help  and  Loans  85
The  Postponement  of  Fees  86
Fellowships  and  Scholarships  86

Chapter  VI
The  Administration  op  Student  Loans
Methods  of  Administration
Amount  of  Funds  Available  1924-25
Past  Experience
Selecting  the  Risk
Size  of  Loan
Interest  Rate
Security  for  Student  Loans
Term  of  Loan
Methods  of  Repayment
Collections
Organization  to  Administer  Loans  .•••.•
Charitable,  Religious,  and  Fraternal  Organizations
Banks  and  Trust  Companies
Philanthropie  and  Semi-Philanthropic  Organizations
The  Educational  Institution
Digest
Recommendations
Appendix
A.  Experience  of  the  Harmon  Foundation  in  Student  Loans
B.  The  Loan  Association  of  the  German  Students
The  Institution  of  Honour  Loans—France

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