New realities for financial aid / R. Jerrold Gibson -- The changing Federal role in student financial aid / Edward P. St. John, Charles Byce -- Fifteen ways to stretch scarce student aid / Virginia Hodgkinson -- Strengthening the student aid system in the community colleges / Richard Johnson -- A framework for improving the management of financial aid offices / Edward P. St. John, Ronald Sepanik -- Shaping alternative loan programs / Arthur M. Hauptman -- Who qualifies for financial aid? / Kenneth M. Deitch.