2Salmi, J., & Hauptman, A. M. Innovations in tertiary education financing: A comparative evaluation of allocation mechanisms (Washington, DC: World Bank,2006).
3Woodhall, M. "Student Loans," In International Encyclopedia of the Economics of Education edited by M. Camoy (Oxford, UK: Elsevier Science Ltd, 1995) ,420 - 425 ;.
4St. John, E. P. , Paulsen, M. B. , &Carter, D. F. "Diversity, college costs, and postsecondary opportunity: An examination of the financial nexus between college choice and persistence for African Americans and Whites," Journal of Higher Education 76 (2005) : 545 - 569.
5Tinto, V. Leaving college: Rethinking the causes and cures of student attrition (2nd ed. ) (Chicago University of Chicago Press, 1993).
6Cabrera, A. F. , Nora, A. , & Castaneda, M. B. "College Persistem'e : Structural Equations Modeling Test of an Integrated Model of Student Retention," The Journal of Higher Education 2(1993):123- 139.
7Manski, C. F. , & Wise, D. A. College choice in America (Cambridge, MA : Harvard University Press, 1983).
8Dynarski, S. M. "Does aid matter? Measuring the effects of student aid on college attendance and completion," Arnerican Economic Review 1 (2003) :279 - 288.
9DesJardins, S. L., McCall, B. P., Ahlburg, D. A., &Moye, M. J. "Adding a timing light to the 'Tool Box'," Research in Higher Education 1 (2002) : 83 - 114.
10Satater, M. "The impact of financial aid on college GPA at three flagship public institution," American Educational Research Journal (Forthcoming) 2009.
