Category Archives: News

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How to pick a dean: U of L searches for three deans

By Jacob Abrahamson–

The University is currently in the process of hiring three new deans.  The Colleges of Arts and Sciences, Education and Human Development and the Law School are currently in the midst of this hiring process.

“The role of dean is a key role in the institution,” said Tracy Eells, Vice Provost for Faculty Affairs, who acts as an ex-officio member of each search committee. “There is a tremendous amount of effort that goes into the process.”

According to the Redbook, which is the governing document of the university, “deans shall be appointed by the Board of Trustees on the recommendation of the President.”

Before the President makes any recommendation, though, the Provost forms a search committee charged with the task of finding and narrowing down a field of candidates.

In all three searches happening right now, the university has worked with Academic Search, a firm which assists universities in leadership search processes and is, according to their mission statement, committed to “provide the highest level of search” to academic institutions.

John Hicks, Senior Consultant at Academic Search, stated that his role was to assist in identifying candidates, maintain relationships with them, follow timelines and provide background checks of candidates.

“I ask them what attributes they would like to see in the next dean,” said Hicks about his relationship with the search committees.

With this search method, “excellent candidates have come to campus,” says Brent Fryrear, a doctoral student in Educational Leadership and Organizational Development who served on the CEHD Search Committee.

The candidates, after being narrowed down by search committees, come to campus to meet with the search committees and hold forums and meetings with students and faculty.  The committee then submits one or two candidates to the Provost, who makes the final recommendation to the President.

“Each search can be unique,” added Fryrear, who also served on the committee that selected Dr. Dunn, the Executive Vice President for Health Affairs.

“The Provost and President are interested in finding the best person they can in the country to lead each of these colleges,” said Eells.

“I think the University of Louisville supports searches well,” Hicks stated, stating that the University recognizes the importance of a successful search.

Some examples of this recognition include the addition of a Committee on Diversity and the use of a Dean from another college as a co-chair on the search committee.  Both of these things, said Hicks, add strength to the committee.

Student involvement in the process was strongly encouraged by both Hicks and Fryrear.

“It gives them a voice in a decision that could affect not only their own future as a student, but the future of a lot of other students,” said Fryrear.

A&S and CEHD have visited campus, and, according to Fryrear, the committee for CEHD has submitted two names to the Provost.  The law school search has begun recently.

The Provost has expressed interest in having the A&S and CEHD positions filled by July 1.

SGA challenges University over SAC renovations

By Jacob Abrahamson–

This story continues on a story from October by Simon Isham. You can view it here.

In a debate that has continued since October 2013, SGA continues to be at odds with U of L administration over the future of the old gym space in the Student Activities Center (SAC). SGA President Carrie Mattingly says that the University has backed away from what seemed to be a mutual agreement on the future of the space.

“The understanding always was that all of that space would be renovated and turned into new meeting space for students and one large convocation area,” said Mattingly.

According to Mattingly, the University has moved away from this understanding by giving two of the gyms to the spirit teams, cheerleading and dance, for use as practice space.  The teams currently practice at a location off campus.

After negotiations with the administration, which included a rejected offer for Athletics to buy all four gyms for $2 million, Provost Shirley Willihnganz said that the two of the gyms will be given to athletics for two years, and expressed hope to make this arrangement agreeable to SGA.

“The Provost and others have been working with both athletics and SGA to try and come to some resolution that would satisfy everybody,” stated University Spokesperson Mark Hebert.

Mattingly says, however, that the current situation is unacceptable based on the previous agreements about the renovation.

At their meeting on Tues. March 18, the SGA Senate unanimously approved, for the third time, a 2012 resolution which states that this part of the SAC “should remain space that is able to be utilized by all students, and therefore opposes any sale of this space to athletics.”

SGA has launched the “Students First” campaign.  They have developed a petition which students can sign in support of keeping this space for students, are going to hand out buttons and are planning a rally at the bottom of the ramp to the SAC on March 26.

Since the opening of the Student Recreation Center (SRC) in October 2013, the intramural sports area of the SAC has been mostly vacant.  The area, which holds four gyms, racquetball courts, workout areas and offices, has been rented out for various purposes since the SRC opened.

The official SGA proposal for the SRC, approved in 2011, states that “the remaining space within the current SAC Intramural Area should be utilized for student lounge and meeting space needs, unless an arrangement can be reached between the University and SGA leadership to better utilize the space to enhance student life.”

Additionally, the SGA’s 2020 Plan, which was approved by the University, states that the SGA had a goal of achieving “significant renovation” by 2016, including using the newly open space for “meeting areas, dining facilities, or another type of space that students are asking for.”

The renovation was to be paid for with a part of the $9.6 million brought in with the Student Building Fee, which is bundled with tuition.  The $15 per semester fee, which began in 1983, was recommended by the SGA and is “applied toward maintenance, debt service and renovation of the SAC.”  The building was paid off in 2007, so the money accrued since then was to be used for this project.

“We’ve effectively been paying for this building for well over 30 years now,” said former SGA Chief Justice Brandon McReynolds, who served on the SRC Finance and Scope Committee which drafted the SRC proposal.  “Not only is it called the Student Activities Center, but students paid for it as well.”

“We’ve been saving up that money since 2007 to do this renovation and now it is being taken away from us by athletic entities,” stated Mattingly.

The point we’re trying to make is that it is the Student Activities Center. There is no reason at all why a portion of the Student Activities Center should be given to a couple of athletic teams.”

Brief: parking spots change colors

By Thwisha Joshi–

Be careful where you park: U of L Parking recently changed some of the parking spots in the Chevron lot.

Fifty new green spots were added in the Chevron parking lot between Card Towne and Bettie Johnson. The spots are along the back rail of the lot, and used to be yellow spots.

“Yellow parking is enforced 24/7,” said Charity Barbour, who works with U of L Parking.  “Students with yellow parking passes can park in the green parking spaces except for the Floyd Street Garage and the Chevron parking lot. Floyd Street Garage and Chevron lot parking are strictly for green parking passes.”

Additional green parking spaces can be found at the Speed School parking lot. Purple and purple plus parking remain the same. Students can park in red parking spaces after the times designated on the boards in the respective parking lots, usually after 5:30 p.m.

Brief: Freshens and Quick Zone closed for the day

By Olivia Krauth–

Two campus eateries, Freshens and Quick Zone, were closed today due to a weekend pipe burst.

According to Charlie Clabaugh, U of L Dining’s Marketing and Sustainability Coordinator, a pipe in the ceiling burst, flooding the two stores.

“Some reports I’ve heard said there was as much as three inches of water,” said Clabaugh. ” [A] very large mess as you can imagine, which will take some time to properly clean up, sanitize and repair.”

Clabaugh was unsure of when the area would be able to reopen, but said that updates would be posted to U of L Dining’s social media accounts. You can follow them on Twitter @UofLDining, and on Facebook using

Prof talks math, biology and wolves

By Kaylee Ratliff–

Mark Lewis, a professor at University of Alberta, discussed how math and biology determines why people and animals live where they live in this year’s mathematics Bullitt Lecture.

On March 21, Lewis presented his models and mathematics and showed how they applied to his research on wolves and their territories.

“Typically, if you look over large territory for an animal like the wolf, there will be bold shape scent marking patterns,” explained Lewis. “The edges of the territories have the higher densities of scent marks.” He explained how these scent markings can cause other wolves to change their course, thus creating territories.

Lewis has researched wolves to learn about their spatial patterns in terms of behavior. “One of the great things about where I live now is a lot of the data we get is more or less from my backyard.”

Lewis discussed territorial interaction such as searching for food and scent marking. He presented data in the form of maps showing the defined edges of particular wolf packs.

Lewis is a senior Canada research chair in mathematical biology, a professor and chief editor of the “Journal of Mathematical Biology.” He has taught at various universities, received many scientific awards and has published six books.


U of L medical school placed on probation

By Simon Isham & Olivia Krauth–

The body that accredits U of L’s medical school last week placed it on probation, a step just short of withdrawing accreditation. Incoming and current medical school students told The Cardinal that it does not change their perception of the school.

“I am confident that our school will address all issues being cited,” said Matthew Woeste, president of U of L School of Medicine’s class of 2017.  “Our leadership will be very active over the next year working closely with the LCME to ensure we come into full compliance. Many of the necessary changes are already in place, which mitigates my initial concerns. This probation will be a catalyst for positive change at our university. I would choose my medical school again and again.

“The cost of medical education is undoubtedly high. I consider it one of the greatest investments I can make. I also realize our tuition is most appropriately invested into our educators and clinical experience. Both of which I would argue are the best in the state.”

One future U of L medical school student said she isn’t alarmed by the probationary status, despite the fact that the school may lose its accreditation in 2015.  “It reassures me that they’re going to be up-to-date on curriculum changes and they’ll have their new facilities,” said Megan Parker, sophomore psychology major and participant in U of L’s Guaranteed Entrance to Medical School (GEMS) program.

The medical school emailed admitted students about the probation and told them what changes the school plans to implement in response.

Dr. Toni Ganzel, dean of the U of L School of Medicine, says that the school is still a quality institution.

“If you look at our student performance and outcomes, oh, we have a great story to tell,” said Ganzel. “Our numbers are better than ever.” She said U of L medical students perform above the national average in several national medical licensing examinations, including a 99 percent pass rate on step one of the U.S. Medical Licensing Examination.


Administration knew of problems that led to probation

The Liaison Committee on Medical Education, which accredits all American medical schools, pointed out nine changes U of L must make within two years. Despite the probationary status, the university remains fully accredited.

A press release from the university said it will have to make nine policy changes to be restored to good standing. According to LCME regulations, medical schools are required to notify their students and faculty about probationary status, but not when given a warning. LCME does not comment on its warnings.

Ganzel said the school has two years to correct some specific areas that are part of the 131 LCME standards.

Specifically, the nine unmet standards were:

Not having enough active learning

Differing performance measures across sites

Needing more written feedback for students

Needing more integration across disciplines

Not having enough seats for students

Needing more reviews of their curriculum

The lack of academic affiliations with healthcare providers

A lack of lockers for all students at clinical sites

A need for more interaction between faculty across sites

The dean said the unmet standards boil down to two areas of concern:  the condition of the preclinical instructional building and pace of preclinical curricular change. The LCME noted overflowing lecture halls and cramped student study spaces.

Woeste explained that each lecture hall currently holds 160 students, with an “overflow room that streams live classroom events.” He also noted that many classes utilize Tegrity, leading to independent learning for some students.

More than three-fourths of medical students reported to U of L in April 2013 they are pleased with the study spaces available to them saying they were satisfied or very satisfied. LCME found issues with these study spaces, and Ganzel said they will be renovated soon.

The building was cited as a challenge in an April 2013 Institutional Self-Study Report, prepared by U of L for the LCME. The building was described as “adequate, but not state-of-the-art,” and it said that the lecture halls “have been updated as much as possible within the constraints of the physical structure and building codes…”

Ganzel told the Cardinal that the LCME had pointed out the inadequacy of the preclinical instructional building in earlier inspections. “They had cited us on that last time,” said Ganzel on the last LCME inspection in 2006. “We tried to make the case, at our visit a year ago, that although the building was not optimal, but it was adequate,” said Ganzel. “But the site visit team, in their judgment, felt that the building was not adequate.”

Two months ago, Ganzel gave a presentation before the Greater Louisville Medical Society in which she mentioned the inadequacy of the medical school’s facilities.

According to a U of L press release, the new building will have “two large interactive lecture halls, small group learning labs and classrooms, a new student lounge and private study areas” when completed. Architects were brought in to “completely redesign” the instructional space. Ganzel said construction has begun and the renovations are expected to be complete when students return to class this coming August.

The medical school was switching from a discipline-based curriculum to a more integrated one when Ganzel saw other schools being cited by the LCME on curricular matters.

“It’s a huge, time-consuming process,” said Ganzel about revamping curriculum. “Usually, it takes about three years and I said, ‘We’re going to have to blitz and really work to do this.’” The new curriculum will roll out this summer.


Timing of LCME report not to

U of L’s advantage

The LCME visited the university in April 2013. Ganzel, who was then interim dean of the medical school, said that many of the changes recommended in April of 2013 have already been completed, and that others are on the way.

“We are really disappointed with the probationary status, but I’m glad that the changes they are requesting that we make are things that we already implemented this year or are being implemented this coming year,” said Ganzel. Although she said several of the recommended changes were implemented in the time since LCME’s 2013 visit, LCME cannot consider them in a reevaluation.

The medical school will submit an official action plan in August, which will be considered at LCME’s October 2014 meeting. Ganzel anticipates a follow-up visit from LCME in July 2015, with a final decision on probation in Oct. 2015. A consultant from LCME will assist the medical school during the period.

“They’re holding schools to a level of accountability on the specific details of those standards that has really increased over the past few years,” said Ganzel.

When asked if LCME’s standards should reflect more on student performance, Ganzel said, “Outcome is really important. Process is important, but outcome is really key.

“They’re the ones that make the standards, and I, and other deans I know, share that vision of quality. Whatever those standards are, we will do everything we need to insure that those needs are met.”

Former professor speaks out

Dr. Peter Hasselbacher, president of the Kentucky Health Policy Institute and a former professor at U of L’s medical school, posted an entry on the KHPI’s blog the day after the school was officially placed on probation. In the post, he suggested that the nine areas of improvement Ganzel spoke about were not complete or specific.

“I have the greatest respect for Dr. Ganzel. I think she’s one of the more honest, good people at the medical school,” he said. “I think she outlined some of the major areas (from the LCME report), but most of the major areas can circumscribe everything that a medical school does … The LCME would not have pulled the trigger for minor things, things that were unimportant, so I’m assuming that there was more. It’s not her job to air all of the school’s dirty laundry.”

Hasselbacher said he believes that “the nine, not-too-terrible sounding” reasons detailed in the “Business First” article are not the sole reasons for the probation, and that there were many pages more to the report than the summaries shared with the media. He said he believes there is more to the story.

Hasselbacher said: “There are things that the school doesn’t like to talk about, like its relationship with Kentucky One Health and Catholic Health Initiatives. That was obviously a problem for the (LCME) reviewers. It’s a sensitive subject over there. When the reviewers read the contract, the affiliation agreement with Kentucky One, they thought that it invalidated many other affiliation agreements. But it may be that that agreement was rewritten, and I believe Dr. Ganzel implied that it was.”

The Cardinal has made an open-records request for the LCME report and letter, which is currently pending.

“I’ve sat on the accreditation committee for the medical school, years ago, and I know what a lot of the issues are,” said Hasselbacher. “I like to think that I can read between the lines and see just what it is that bothers the LCME.”

“I’m disappointed, ashamed, embarrassed. Members of my family went to U of L. I worked there for almost 20 years. But I must say, I’m not entirely surprised; things have not been going well for the medical school in the last few years. There have been many warnings. It may have lost its focus on the academic programs there. I think the school has denied that fact, but it’s hard to deny it now.”


Sen. Kelly Ayotte talks Obama, Russia

By Lubna Hindi–

New Hampshire Sen. Kelly Ayotte talked national leadership and current issues on March 17 when she visited U of L as a guest of the McConnell Center.

Ayotte discussed how to improve flaws in the Obama administration, as well as her take on Russia’s invasion of Ukraine. She believes Russia sees the U.S. as weak due to the concessions the U.S. has allowed Russia.

“The reset policy has actually resulted in the Russian interpreting conciliatory measures as weakness and this weakness has been taken advantage of by President Putin,” said Ayotte in regards to Obama’s reset policy. “Since taking office, the Obama administration has offered concession after concession in hopes that doing so would result in a better relationship between our two countries

“As a whole, I very much enjoyed Sen. Ayotte’s remarks,” said Aaron Schultz, junior political science major. “I feel that she did an excellent job explaining the past, present, and future significance of American strength in the context of the world stage. That, and I was impressed with how she took her vast, jargon-filled knowledge from the Senate Foreign Affairs Committee and communicated that knowledge in a way that the masses could understand.”

Both high school and U of L students were in attendance. Students were allowed to ask Ayotte questions after her speech. Question topics ranged from the “Ban Bossy” campaign, national spending and even the upcoming NCAA tournament.

Ayotte has served in the U.S. Senate since 2010. She serves as a member on the Senate’s Armed Services, Budget, Commerce, Homeland Security and Government Affairs and Aging committees.

Photo courtesy

Recap: What is the Board of Trustees up to?

By Kaylee Ratliff–

The Board of Trustees Committees met right before spring break to report their recent business. The audit, finance, academic and student affairs committees were present for a meeting on March 6. The Cardinal sat through them all. Here are the highlights:

Audit Committee:

An updated progress report from a CPA firm, Strothman & Company, was given.

The CPA firm was asked to review six areas:

•             All internal audit reports since 2007

•             Assessment of university’s function

•             Survey of local banks

•             Overall assessment of university’s controls over disbursements

•             Coordination with another CPA firm who is working on health sciences campus to look into those controls

•             Assessment of controls over vendors, maintenances, etc.

“Our overall conclusion is that the university’s internal control of framework needs to be modified in order to prevent future fraud,” said CPA Bill Meyer.

Meyer provided basic observations from his research. “Unit Business Managers or UBMs do not have, what we would consider, an adequate level of oversight and guidance,” he said.

Strothman recommended hiring a Central Financial Officer (CFO), which President James Ramsey approved. UBMs would report to the CFO in an effort to make financial matters more organized.

“We believe that a strong CFO is critical to an organization to the size and complexity of the University of Louisville,” said Meyer.

Finance Committee:

The General Manager of Louisville Medical Center expressed their need for capital for the U of L Steam and Chilled Water Plant Project. This plant provides heating and cooling energy for nearly all downtown U of L facilities, as well as our Health Sciences Center on campus.

The government sold bonds to finance this project and approval is needed from each entity, for which it provides service, to refinance it. The board approved.

“This is an approval regarding the President’s recommendation,” Phoebe Wood stated, “for the bond refinancing of the Medical Laundry Facility and the Steam and Chilled Water Plant.”

“The University remains in a strong financial position with total assets of $1.3 billion,” a committee member stated. Also, “We’re actually trending better as far as change in net assets from this time last year.” There is a $16 million increase in net assets.


Academic & Student Affairs:

Some news that affects you a little more directly: SGA President Carrie Mattingly reported the accomplishments of the Student Activities Board, Engage Lead Serve Board and SGA.

The SAB has been focusing on a wide range of activities: recreational activities such as live music and fashion shows to events of more serious nature such as Women’s Empowerment Week.

“It’s not necessarily all just about fun events, they do have some really interesting initiatives as well,” said Mattingly.

Mattingly discussed the need for more space on campus, including “vibrant spaces for students to hang out on campus,” solely graduate student space and extended library hours for those night owl studiers.

Provost Shirley Willihnganz outlined data on declination of retention rates after the first years of students’ college career and recommendations on improving it. The core reasons for the declination are students’ dwindling funds for tuition and not being sure what major to declare.

“We would maybe need to look into some scholarship programs that would kick in after the first couple of years,” said Willihnganz.

Willihnganz recognized the exponential amount of energy and programs invested in freshman mentoring and suggested that some of those programs be moved to the sophomore year.


Final A&S dean candidate visits campus

By Kaylee Ratliff–

The College of Arts & Sciences continued its search for the new dean on March 7 as candidate Paul Taylor held an open forum for faculty and staff.

At the forum, he shared his scholarly work and his thoughts on how he feels that he would feel very at home here at the University of Louisville.

Taylor, who is originally from Tennessee. “One of the reasons this opportunity interests me,” Taylor explained, “Is it would be nice to be back in a space that feels like home.”

Taylor is head of the African American Studies Department at Penn State, and currently writing a philosophy book of black aesthetics. He is also working towards his master’s degree in public administration.

“Expanding interdisciplinary activities as a dean of the College of Arts & Sciences is priority,” said Taylor.

Taylor explains how he is intrigued not only by this “abstract space” of which he could potentially occupy, but also “the great work that the people here do.”

“Going from department head to dean,” a faculty member asked, “What do you envision as being significantly different between those two roles and how would you make that transition?”

“The Dean has a greater field of operation and along with that comes more complexity,” answered Taylor. He describes his work as head of the department of African American Studies and how his work in that field will have helped him prepare for such a position as dean. Taylor would take with him the past experience of “navigating in a different field.”

A faculty member asked how Taylor would deal with disagreement over one of his ideas.

“Your question frames an ongoing negotiation. It depends on contextual detail,” Taylor answered. “You have to do fact finding.”

A faculty member asks, “What do you imagine being the most fun part of being dean?”

“It’s nice to go to an award ceremony for someone for doing something good. It would be nice to go to a community event and represent the university.”

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Funding the dream: A look at U of L’s student loan stats

By Simon Isham—

Almost half of undergraduates and a third of graduate students at U of L have taken out student loans to fund their educations, a report from the Office of Institutional Research and Planning finds. The Cardinal requested the report based on the most recent data available.

Of the 15,893 undergraduates who were enrolled at U of L in the fall of 2012, a total of 7,444 had accepted a federal or private student loan. This means that 47 percent of undergraduates at the university have taken out student loans.

These students accepted a total of $31.7 million in loans, with the average accepted amount at $4,156.57 for federal loans and $5,622.62 for private loans. Private loans made up only 7 percent of student loans for the fall 2012 enrollment group.

Of the 4,157 graduate students enrolled during the same semester, a total of 1,553 accepted student loans, meaning 37 percent of graduate students took on debt to finance their education.

U of L graduate students accepted a total of $13.7 million in loans, with the average loan amount of $8,843.83 for federal loans and $8,684.00 for private loans. Private loans made up only 4 percent of student loans during the fall.

Mike Abboud, associate director of financial aid, said that freshmen are eligible to receive up to $5,500 annually in loans, but graduate students are eligible to receive up to $20,500 annually. U of L’s yearly undergraduate tuition adds up to $9,750 for in-state students, whereas annual in-state graduate tuition is $10,788. Therefore, most graduate students do not need to accept 100 percent of their aid package in order to attend U of L, though many undergraduates do.

Between the fall 2012 and the spring 2013 semesters, enrollment statistics show an 8 percent decrease in enrollment, but a 13 percent increase in the total value of student loans accepted.

Assistant Director of Institutional Research Arnold Hook, who provided the data set, and Senior Research Analyst Linda Hou, who compiled it, said they were not sure why this might be, and that additional research would be required to determine the answer.

Abboud said that he would need to work closely and extensively with Hook and Hou for several weeks to be certain of an explanation, but his best guess was that student loan eligibility changed between the fall and the spring semesters, such that more students were eligible for more higher valued loans.

The data also showed a bigger gap between the average loan value accepted in federal and private loans for undergraduates than it did for graduate students.

Abboud said again that he would need to do a lot of research to be sure, but that “my gut tells me that if a student is a transfer student, especially from a community college, grant funding or KEES funding is enough to cover their cost. (At U of L), we offer them a loan package, but they don’t get that at a community college. So when a student transfers (to U of L), they have 100 percent of their loan eligibility in the spring term,” as opposed to having to divide their loans between the fall and the spring term. U of L receives more transfer students in the spring than in the fall.

The Kentucky Educational Excellence Scholarship (KEES) is money that all Kentucky students have the opportunity to earn while in high school by achieving GPA and standardized test score benchmarks. It becomes available upon a student’s enrollment in college.

The report from Institutional Research also contained data on student loans taken out over the summer.

U of L students accepted a total of 1,056 undergraduate and 398 graduate student loans during the summer 2013 semester. This means that just 18 percent of students who attended school in the summer of 2013 were on a loan.

The summer data included data for federal and private loans, as well as institutional loans, which are loans offered by the university.

“Many universities do not offer institutional loans, because they don’t want to be in the business of collecting on the loans for a five or 10 year period,” said Abboud. Instead, institutional loans are offered through specific departments when there is money left over in the departmental budget, and the students requesting them can demonstrate proof of hardship. Only two students took out institutional loans during that semester.

“Chances are the reason why it only occurred in summer is because the majority of (departmental) funds are tied up during the academic year, and the student needs to take summer courses to continue to move forward or regain eligibility in the future,” said Abboud.

U of L’s School of Business is one of the few academic units that offers institutional loans, but even there, these loans are rare.

According to, in 2011, the median household income for Louisville was $33,175. Institutional Research has calculated that 44 percent of students enrolled in fall 2012 were from Jefferson County, but that 76 percent of that group were residents of Kentucky.

Garrett Nugent, a freshman sports administration major, took out a federal subsidized loan for fall and spring, valued at $3,500, though he was eligible for $5,500. He did not accept an additional unsubsidized loan because he said it accumulated interest throughout college.

Though he earned $2,600 yearly in KEES money for his performance in high school, he did not receive a scholarship from the university. He was told that he was qualified for the scholarship for which he applied, but that the university did not have enough money to fund him, and had to make some cuts. He said he was invited to apply again for the next academic year.

“I did look at an outside loan, but we were denied,” he said. “I have no credit, and my dad had ‘too much credit out there.’ My dad has gotten loans for a car and a house in the past year, so I think if I had credit it would have been approved,” he said.

Nugent said he was considering taking out a different type of loan next year, but wasn’t sure where it would come from.

“I’m honestly just going to apply to a bunch of places and make my decision based on how much I need,” he said. “There are student loans out there that offer no payments until after you graduate, so that’s what I’m really going to try to get.”

Nugent said the prospect of interest didn’t bother him: ”I’m not going to let it control my future or my education.” He is currently working as a desk assistant in the REACH center, but is not using his salary to pay down his student loans.

Alex Davis, a senior computer information systems major, took out federal subsidized and unsubsidized loans this year valued at a total of $10,000. He said that because the government was able to offer him the amount he needed to cover his education, he did not need to consider any alternative type of loan.

“Important factors for me were the grace period for paying off loans, and how I am going to pay it off. Long term interest concerns me, but I did earn KEES money while in high school. It was used for books and supplies, and it complimented my scholarship,” he said.

Davis said he is not currently working anywhere in order to pay off his loans, preferring to focus on his education.

Full disclosure: Davis is a former member of The Louisville Cardinal’s advertising staff.