LibraryArt Martinez2023-01-24T16:04:27-06:00

Trellis Company Research, Reports, and Studies

Tiana Chandler2023-04-21T14:33:50-05:00

Student Financial Wellness of Adult Learners

Student Financial Wellness of Adult Learners

Tiana Chandler2023-04-21T14:28:23-05:00

Self Sufficiency Standard in Texas

Self Sufficiency Standard in Texas

Tiana Chandler2023-04-21T13:23:56-05:00

From Safety Net to Struggle: The End of Temporary SNAP Exemptions for College Students

From Safety Net to Struggle: The End of Temporary SNAP Exemptions for College Students

Tiana Chandler2023-03-29T16:21:48-05:00

Infographic – SFWS Fall 2021 – All 40 Participating Texas Institutions

Infographic – SFWS Fall 2021 – All 40 Participating Texas Institutions

Tiana Chandler2023-03-29T16:21:31-05:00

Consumer Debt in Texas

Consumer Debt in Texas

Tiana Chandler2023-03-29T16:20:37-05:00

Inside the College Mental Health Crisis: Evidence from the Healthy Minds Survey

Inside the College Mental Health Crisis: Evidence from the Healthy Minds Survey

Art Martinez2023-02-27T10:44:19-06:00

Infographic, FAFSA Completion Rates By State

Current FAFSA Completion Rates By State

Current FAFSA Completion Rates By State

Art Martinez2023-03-29T16:00:17-05:00

FAFSA Completion Rates in Texas

Rio Grande Valley Has Highest FAFSA Completion Rates in Texas, East Texas the Lowest

Rio Grande Valley Has Highest FAFSA Completion Rates in Texas, East Texas the Lowest

Art Martinez2023-02-27T10:30:00-06:00

Research Brief, FAFSA Completion

Financial Experiences of Students Who Don’t Complete the FAFSA

Financial Experiences of Students Who Don’t Complete the FAFSA

Art Martinez2023-01-30T15:28:34-06:00

Infographic - Formerly in Foster Care

Student Financial Wellness of Youth Formerly in Foster Care

Student Financial Wellness of Youth Formerly in Foster Care

Art Martinez2023-01-19T16:57:39-06:00

Webinar, Student Financial Wellness Survey, Fall 2021 Aggregate Results

Fall 2021 Student Financial Wellness Survey Results

Fall 2021 Student Financial Wellness Survey Results

Art Martinez2022-12-19T16:25:57-06:00

Student Financial Wellness of Youth Formerly in Foster Care

Student Financial Wellness of Youth Formerly in Foster Care

Student Financial Wellness of Youth Formerly in Foster Care

Art Martinez2022-12-13T15:39:25-06:00

Student Financial Wellness Survey Fall 2021, Highlights

Student Financial Wellness Survey (SFWS), Fall 2021 — Highlights

Student Financial Wellness Survey (SFWS), Fall 2021 — Highlights

Art Martinez2022-12-08T16:44:28-06:00

Webinar, State of Student Aid and Higher Education in Texas 2022

State of Student Aid and Higher Education in Texas 2022

State of Student Aid and Higher Education in Texas 2022

Art Martinez2022-12-08T11:58:58-06:00

SFWS Report Fall 2021

Student Financial Wellness Survey (SFWS), Fall 2021

Student Financial Wellness Survey (SFWS), Fall 2021

Art Martinez2022-12-19T14:57:04-06:00

SOSA 2022 Key Highlights

SOSA 2022 Key Highlights

SOSA 2022 Key Highlights

Art Martinez2022-12-08T09:56:42-06:00

State of Student Aid and Higher Education in Texas, 2022

State of Student Aid in Texas (SOSA) – 2022

State of Student Aid in Texas (SOSA) – 2022

Art Martinez2022-12-19T14:55:00-06:00

SOSA 2022 Infographic: Texas College Students

SOSA 2022 Infographic: Texas College Students

Art Martinez2022-12-19T14:55:36-06:00

SOSA 2022 Community College Tax Revenue Brief

SOSA 2022 Community College Tax Revenue Brief

Art Martinez2022-12-08T10:27:27-06:00

Basic Needs Insecurities Among College Students At Minority-Serving Institutions

Basic Needs Insecurities Among College Students at Minority-Serving Institutions

Basic Needs Insecurities Among College Students at Minority-Serving Institutions

Art Martinez2022-12-08T10:27:54-06:00

Too Far For Comfort: The Gap Between Postsecondary Students’ Financial Well-Being And Help-Seeking

Too Far For Comfort: The Gap Between Postsecondary Students’ Financial Well-being and Help-seeking

Too Far For Comfort: The Gap Between Postsecondary Students’ Financial Well-being and Help-seeking

Art Martinez2022-12-08T10:28:21-06:00

Texas Workforce Organizations Landscape Analysis

Texas Workforce Organizations Landscape Analysis

Texas Workforce Organizations Landscape Analysis

Art Martinez2022-12-08T10:50:44-06:00

In Need, Students Use Safety Net Resources With Varying Levels Of Security

In Need, Students Use Safety Net Resources With Varying Levels of Security

In Need, Students Use Safety Net Resources With Varying Levels of Security

Art Martinez2022-12-08T10:51:20-06:00

Infographic, Unmet Need For Low-Income Texas Students Is Over $10,000 At Public Universities Per School Year

Unmet Need for Low-income Texas Students is Over $10,000 at Public Universities Per School Year

Unmet Need for Low-income Texas Students is Over $10,000 at Public Universities Per School Year

Art Martinez2022-12-08T10:52:12-06:00

Infographic, How Credit Card Debt Management Differs Based On Enrollment Intensity

How Credit Card Debt Management Differs Based on Enrollment Intensity

How Credit Card Debt Management Differs Based on Enrollment Intensity

Art Martinez2022-12-08T10:53:46-06:00

Perception Is Reality: Attitudes And Experiences Of Student Loan Borrowers

Perception is Reality: Attitudes and Experiences of Student Loan Borrowers

Perception is Reality: Attitudes and Experiences of Student Loan Borrowers

Art Martinez2022-12-08T10:54:15-06:00

Infographic, Students Who Have Children

Students Who Are and Are Not Parents: A Comparison of Student Financial Wellness

Students Who Are and Are Not Parents: A Comparison of Student Financial Wellness

Art Martinez2022-12-08T11:06:18-06:00

Juggling Family And Finances: The Financial Struggles And Obligations Of Parenting Students

Juggling Family and Finances: The Financial Struggles and Obligations of Parenting Students

Juggling Family and Finances: The Financial Struggles and Obligations of Parenting Students

Art Martinez2022-12-08T11:06:45-06:00

Comparison Of Findings For Community College Students: Results From Trellis’ Fall 2020 And 2021 Student Financial Wellness Surveys

Comparison of Findings for Community College Students: Results from Trellis’ Fall 2020 and 2021 Student Financial Wellness Surveys

Comparison of Findings for Community College Students: Results from Trellis’ Fall 2020 and 2021 Student Financial Wellness Surveys

Art Martinez2022-12-08T11:07:28-06:00

Infographic, Students Who Used Unemployment Assistance

The Role of Unemployment Assistance: A Comparison of Student Financial Wellness

The Role of Unemployment Assistance: A Comparison of Student Financial Wellness

Art Martinez2022-12-08T11:08:04-06:00

Infographic, Students Who Sold Belongings to Make Ends Meet 3 or More Times

The Role of Selling or Not Selling Belongings to Make Ends Meet: A Comparison of Student Financial Wellness

The Role of Selling or Not Selling Belongings to Make Ends Meet: A Comparison of Student Financial Wellness

Art Martinez2022-12-27T15:10:14-06:00

SFWS Testimonial Brochure

Student Financial Wellness Survey (SFWS) Testimonials Brochure

Student Financial Wellness Survey (SFWS) Testimonials Brochure

Art Martinez2022-12-08T11:08:44-06:00

The Impacts of COVID-19 on the Experiences of Students with Basic Needs Insecurity: E Basic Needs Insecurity: Evidence from a National Sur om a National Survey

The Impacts of COVID-19 on the Experiences of Students with Basic Needs Insecurity: Evidence from a National Survey

The Impacts of COVID-19 on the Experiences of Students with Basic Needs Insecurity: Evidence from a National Survey

Art Martinez2022-12-08T11:16:59-06:00

Hungry Minds: Student Awareness And Use Of Food Pantries At 91 Colleges And Universities

Hungry Minds: Student Awareness and Use of Food Pantries at 91 Colleges and Universities

Hungry Minds: Student Awareness and Use of Food Pantries at 91 Colleges and Universities

Art Martinez2022-12-08T11:17:32-06:00

Transportation Barriers And School Loyalty: Results From Trellis’ Fall 2021 Student Financial Wellness Survey

Transportation Barriers and School Loyalty: Results from Trellis’ Fall 2021 Student Financial Wellness Survey

Transportation Barriers and School Loyalty: Results from Trellis’ Fall 2021 Student Financial Wellness Survey

Art Martinez2022-12-08T11:22:41-06:00

Infographic, Student Financial Wellness Survey Results, Texas Community Colleges, Fall 2021

Student Financial Wellness Survey, Texas Community Colleges, Fall 2021 – Infographic

Student Financial Wellness Survey, Texas Community Colleges, Fall 2021 – Infographic

Art Martinez2022-12-08T11:23:08-06:00

Student Financial Wellness Survey, Texas Community Colleges, Fall 2021 Semester Report

Student Financial Wellness Survey, Texas Community Colleges, Fall 2021

Student Financial Wellness Survey, Texas Community Colleges, Fall 2021

Art Martinez2022-12-08T11:23:37-06:00

No Food For Thought: Insights On Basic Needs Insecurities And Mental Health Challenges

No Food for Thought: Insights on Basic Needs Insecurities and Mental Health Challenges

No Food for Thought: Insights on Basic Needs Insecurities and Mental Health Challenges

Art Martinez2022-12-08T15:02:38-06:00

Screenshot from Webinar, "How to Improve Academic Outcomes By Addressing the Transportation Needs of Students".

How to Improve Academic Outcomes By Addressing the Transportation Needs of Students

How to Improve Academic Outcomes By Addressing the Transportation Needs of Students

Art Martinez2022-12-08T10:23:23-06:00

State of Student Aid and Higher Education in Texas, 2019

State of Student Aid in Texas – 2021

State of Student Aid in Texas – 2021

Art Martinez2022-12-08T11:24:04-06:00

Student Financial Wellness Survey, Sample Technical Supplement

Student Financial Wellness Survey, Sample Technical Supplement

Art Martinez2022-12-08T11:25:04-06:00

Student Financial Wellness Survey, Sample School Report

Student Financial Wellness Survey, Sample School Report

Art Martinez2022-12-08T11:26:40-06:00

Student Financial Wellness Survey Fall 2020 Infographic, 4-Year Institutions

Student Financial Wellness Survey Fall 2020 Infographic, 4-Year Institutions

Art Martinez2022-12-08T11:27:15-06:00

Student Financial Wellness Survey Fall 2020 Infographic, 2-Year Institutions

Student Financial Wellness Survey Fall 2020 Infographic, 2-Year Institutions

Art Martinez2022-12-08T11:29:26-06:00

An Empirical Analysis of the ApplyTexas Postsecondary Application

An Empirical Analysis of the ApplyTexas Postsecondary Application

An Empirical Analysis of the ApplyTexas Postsecondary Application

Art Martinez2022-12-08T15:03:17-06:00

Screenshot from Webinar, "Results from Student Financial Wellness Survey".

Results from the Fall 2020 Student Financial Wellness Survey

Results from the Fall 2020 Student Financial Wellness Survey

Art Martinez2021-03-26T12:34:03-05:00

State of Student Aid and Higher Education in Texas – 2021

State of Student Aid and Higher Education in Texas – 2021

Art Martinez2022-12-08T11:34:41-06:00

Student Financial Wellness Survey, Fall 2020 Semester Results

Student Financial Wellness Survey 2020

Student Financial Wellness Survey 2020

Art Martinez2021-02-04T15:12:11-06:00

An image of a screenshot for the Trellis webinar "Trellis' Student Financial Wellness Survey, Fall 2019 Semester Results".

Trellis’ Student Financial Wellness Survey, Fall 2019 Semester Results

Trellis’ Student Financial Wellness Survey, Fall 2019 Semester Results

Art Martinez2022-12-08T11:35:05-06:00

College Students and Mid-Month Eating Adjustments

College Students and Mid-Month Eating Adjustments: Balancing Budgets Through Low Food Secure Behavior

College Students and Mid-Month Eating Adjustments: Balancing Budgets Through Low Food Secure Behavior

Art Martinez2022-12-08T11:35:29-06:00

Longitudinal Fluidity in Collegiate Food Security: Disruptions, Restoration, and its Drivers

Longitudinal Fluidity in Collegiate Food Security: Disruptions, Restoration, and Its Drivers

Longitudinal Fluidity in Collegiate Food Security: Disruptions, Restoration, and Its Drivers

Art Martinez2022-12-08T11:36:08-06:00

SFWS 2018 Key Findings by School Sector

Trellis’ Student Financial Wellness Survey: Key Findings from Analysis of Responses by School Sector

Trellis’ Student Financial Wellness Survey: Key Findings from Analysis of Responses by School Sector

Art Martinez2022-12-27T15:18:37-06:00

SFWS Promotional Brochure

Student Financial Wellness Survey (SFWS) Promotional Brochure

Student Financial Wellness Survey (SFWS) Promotional Brochure

Art Martinez2022-12-08T11:36:33-06:00

Student Financial Wellness Survey, Fall 2019 Semester Results

Student Financial Wellness Survey 2019

Student Financial Wellness Survey 2019

Art Martinez2020-02-25T09:21:53-06:00

An image of a screenshot for the Trellis webinar Parent PLUS Borrowing: Repayment Experiences and Impacts

Parent PLUS Borrowing: Repayment Experiences and Impacts

Parent PLUS Borrowing: Repayment Experiences and Impacts

Art Martinez2022-12-08T11:36:57-06:00

PLUS Borrowing in Texas

PLUS Borrowing in Texas: Repayment Expectations, Experience, and Hindsight by Minority-Serving Institution Status

PLUS Borrowing in Texas: Repayment Expectations, Experience, and Hindsight by Minority-Serving Institution Status

Art Martinez2022-12-08T11:38:05-06:00

Student Financial Wellness Survey 2018, Texas Community College Cohort Technical Supplement

Student Financial Wellness Survey 2018, Texas Community College Cohort Technical Supplement

Art Martinez2022-12-08T11:38:31-06:00

Student Financial Wellness Survey 2018, Texas Community College Cohort

Student Financial Wellness Survey 2018, Texas Community College Cohort

Art Martinez2022-12-08T11:39:08-06:00

Student Financial Wellness Survey 2018 Summary

Student Financial Wellness Survey 2018 Summary

Art Martinez2022-12-08T11:40:04-06:00

Thumbnail image of screenshot for webinar entitled "Filling out the TASFA"

Completing the Texas Application for State Aid

Completing the Texas Application for State Aid

Art Martinez2019-12-26T13:35:24-06:00

Thumbnail image of screenshot for webinar entitled "Studying on Empty"

Studying on Empty Webinar

Studying on Empty Webinar

Art Martinez2022-12-08T11:40:30-06:00

Studying on Empty

Studying on Empty: A Qualitative Study of Low Food Security Among College Students

Studying on Empty: A Qualitative Study of Low Food Security Among College Students

Art Martinez2019-12-26T14:31:31-06:00

Thumbnail image of screenshot for webinar entitled "Student Financial Wellness: Results from Trellis' Fall 2018 Survey"

Student Financial Wellness – Results from a 2018 Survey of College Students

Student Financial Wellness – Results from a 2018 Survey of College Students

Art Martinez2022-12-08T11:46:14-06:00

SFWS Fall 2018

Student Financial Wellness Survey, Fall 2018 Semester Results

Student Financial Wellness Survey, Fall 2018 Semester Results

Art Martinez2022-12-08T11:46:44-06:00

State of Student Aid and Higher Education in Texas, 2019

State of Student Aid in Texas – 2019

State of Student Aid in Texas – 2019

Art Martinez2022-12-08T11:47:14-06:00

SFWS Spring 2018

Student Financial Wellness Survey Report

Student Financial Wellness Survey Report

Art Martinez2019-12-09T15:23:34-06:00

An image of a title screen for the following webinar "Student Financial Wellness Survey, Spring 2018 Results Webinar".

2018 Student Financial Wellness Survey Results Webinar Discussion

2018 Student Financial Wellness Survey Results Webinar Discussion

Art Martinez2022-12-08T11:47:44-06:00

Highlights of SFWS

Highlights of Trellis Company’s Student Financial Impact study

Highlights of Trellis Company’s Student Financial Impact study

Art Martinez2022-12-08T11:48:07-06:00

Engaging Student Borrowers

Engaging Student Borrowers: Results of a Survey of Financial Aid Professionals

Engaging Student Borrowers: Results of a Survey of Financial Aid Professionals

Art Martinez2022-12-08T11:48:31-06:00

Effective Counseling, Empowered Borrowers

Effective Counseling, Empowered Borrowers: An evidence-based policy agenda for informed student loan borrowing and repayment

Effective Counseling, Empowered Borrowers: An evidence-based policy agenda for informed student loan borrowing and repayment

Art Martinez2022-12-08T11:48:59-06:00

Above and Beyond: What Eight Colleges Are Doing to Improve Student Loan Counseling

Above and Beyond: What eight colleges are doing to improve student loan counseling

Above and Beyond: What eight colleges are doing to improve student loan counseling

Art Martinez2022-12-08T11:49:22-06:00

A Time To Every Purpose

A Time to Every Purpose: Understanding and improving the borrower experience with online student loan entrance counseling

A Time to Every Purpose: Understanding and improving the borrower experience with online student loan entrance counseling

Art Martinez2022-12-08T11:49:46-06:00

Informed or Overwhelmed? A Legislative History of Student Loan Counseling with a Literature Review on the Efficacy of Loan Counseling

Informed or Overwhelmed? A legislative history of student loan counseling with a literature review on the efficacy of loan counseling

Informed or Overwhelmed? A legislative history of student loan counseling with a literature review on the efficacy of loan counseling

Art Martinez2022-12-08T11:50:11-06:00

From Passive to Proactive: Understanding and Improving the Borrower Experience with Online Student Loan Exit Counseling

From Passive to Proactive: Understanding and improving the borrower experience with online student loan exit counseling

From Passive to Proactive: Understanding and improving the borrower experience with online student loan exit counseling

Art Martinez2022-12-08T11:51:16-06:00

Developmental Education and Student Debt

Developmental Education and Student Debt: Remediation’s Uncertain Impact on Financial and Academic Outcomes

Developmental Education and Student Debt: Remediation’s Uncertain Impact on Financial and Academic Outcomes

Art Martinez2022-12-08T11:51:37-06:00

Detecting Early Signs of Default Risk at Austin Community College

Detecting Early Signs of Default Risk at Austin Community College

Detecting Early Signs of Default Risk at Austin Community College

Art Martinez2022-12-08T11:52:00-06:00

Transfer Students, Financial Aid, and a New Perspective on Undermatching

Transfer Students, Financial Aid, and a New Perspective on Undermatching

Transfer Students, Financial Aid, and a New Perspective on Undermatching

Art Martinez2022-12-08T11:52:23-06:00

Behind the Numbers: Making Sense of Cohort Default Rates

Behind the Numbers: Making Sense of Cohort Default Rates

Behind the Numbers: Making Sense of Cohort Default Rates

Art Martinez2022-12-08T11:52:46-06:00

Financial Aid at the Crossroads: Managing the Student Debt Crisis in Texas

Financial Aid at the Crossroads: Managing the Student Debt Crisis in Texas

Financial Aid at the Crossroads: Managing the Student Debt Crisis in Texas

Art Martinez2022-12-08T11:53:07-06:00

A Brief Look at the Texas B-On-Time Loan Program

A Brief Look at…the Texas B-On-Time Loan Program

A Brief Look at…the Texas B-On-Time Loan Program

Art Martinez2022-12-08T11:56:11-06:00

Balancing Passion and Practicality: The Role of Debt and Major on Students' Financial Outcomes

Balancing Passion and Practicality: The Role of Debt and Major on Students’ Financial Outcomes

Balancing Passion and Practicality: The Role of Debt and Major on Students’ Financial Outcomes

Art Martinez2022-12-08T11:56:33-06:00

Digging Deeper: An Analysis of Student Loan Debt in Texs

Digging Deeper: An Analysis of Student Loan Debt in Texas

Digging Deeper: An Analysis of Student Loan Debt in Texas

Art Martinez2022-12-08T11:56:56-06:00

With Great Challenges Come Great Opportunities: Promising Practices of Texas Community Colleges

With Great Challenges Come Great Opportunities: Promising Practices of Texas Community Colleges

With Great Challenges Come Great Opportunities: Promising Practices of Texas Community Colleges

Art Martinez2022-12-08T11:55:02-06:00

How to Graduate High-Risk Students

How to Graduate High-Risk Students: Lessons from Successful For-Profit Colleges and Schools in Texas

How to Graduate High-Risk Students: Lessons from Successful For-Profit Colleges and Schools in Texas

Art Martinez2022-12-08T11:57:20-06:00

Profile of Minority-Serving Institutions in Texas

Profile of Minority-Serving Institutions in Texas

Art Martinez2022-12-08T11:57:44-06:00

The Toughest Test: The Student Loan Liquidity Crisis of 2007-08 in Texas

The Toughest Test: The Student Loan Liquidity Crisis of 2007-08 in Texas

The Toughest Test: The Student Loan Liquidity Crisis of 2007-08 in Texas

Art Martinez2022-12-08T11:58:06-06:00

A Multivariate Analysis of Student Loan Defaulters at Prairie View A&M University

Multivariate Analysis of Student Loan Defaulters at Prairie View A&M University

Multivariate Analysis of Student Loan Defaulters at Prairie View A&M University

Art Martinez2022-12-08T11:58:29-06:00

Ready, willing, and unable: How financial barriers obstruct bachelor-degree attainment in Texas

Ready, Willing, and Unable: How Financial Barriers Obstruct Bachelor-Degree Attainment in Texas

Ready, Willing, and Unable: How Financial Barriers Obstruct Bachelor-Degree Attainment in Texas

Art Martinez2022-12-08T11:59:27-06:00

The Role of Work and Loans in Paying for an Undergraduate Education

The Role of Work and Loans in Paying for an Undergraduate Education

The Role of Work and Loans in Paying for an Undergraduate Education

Art Martinez2022-12-08T11:59:49-06:00

Opening the Doors to Higher Education: Perspectives on the Higher Education Act 40 Years Later

Opening the Doors to Higher Education: Perspectives on the Higher Education Act 40 Years Later

Opening the Doors to Higher Education: Perspectives on the Higher Education Act 40 Years Later

Art Martinez2022-12-08T12:00:45-06:00

A Multivariate Analysis of Student Loan Defaulters at Texas A&M University - Kingsville

Multivariate Analysis of Student Loan Defaulters at Texas A&M University at Kingsville

Multivariate Analysis of Student Loan Defaulters at Texas A&M University at Kingsville

Art Martinez2022-12-08T12:01:19-06:00

A Multivariate Analysis of Student Loan Defaulters at the University of South Florida

Multivariate Analysis of Student Loan Defaulters at the University of South Florida

Multivariate Analysis of Student Loan Defaulters at the University of South Florida

Art Martinez2022-12-08T12:01:43-06:00

A Multivariate Analysis of Student Loan Defaulters at Texas A&M University

Multivariate Analysis of Student Loan Defaulters at Texas A&M University

Multivariate Analysis of Student Loan Defaulters at Texas A&M University

Art Martinez2022-12-08T12:02:14-06:00

Student Loan Default Literature Review

Student Loan Default Literature Review

Student Loan Default Literature Review

Art Martinez2022-12-08T12:02:38-06:00

Breaking New Ground

Breaking New Ground, The Texas Historically Black Colleges and Universities Default Management Consortium

Breaking New Ground, The Texas Historically Black Colleges and Universities Default Management Consortium

Art Martinez2022-12-08T12:02:59-06:00

First-Generation College Students_ A Literature Review

First-Generation College Students: A Literature Review

First-Generation College Students: A Literature Review

Art Martinez2022-12-08T12:03:25-06:00

The Characteristics Associated with Student Loan Default at Texas A&M University

The Characteristics Associated with Student Loan Default at Texas A&M University

The Characteristics Associated with Student Loan Default at Texas A&M University

Art Martinez2022-12-08T12:03:51-06:00

Retention and Persistence in Postsecondary Education

Retention and Persistence in Postsecondary Education

Retention and Persistence in Postsecondary Education

Art Martinez2022-12-08T12:04:16-06:00

Education on the Installment Plan: The Rise of Student Loan Indebtedness in Texas

Education on the Installment Plan: The Rise of Student Loan Indebtedness in Texas

Education on the Installment Plan: The Rise of Student Loan Indebtedness in Texas