"Efforts are underway to simplify the complex, byzantine system we've created to administer financial aid, and it's about time," writes Sara Goldrick-Rab, assistant professor of educational-policy studies and sociology at the University of Wisconsin at Madison, in The Chronicle of Higher Education. "Streamlining the process holds promise. Take a look at the recent H&R Block study if you have any doubt. Where policy makers are starting, by reducing the complexity of the application, is a good place to begin, but we could do more. There are some basic facts about individual decision-making which are neglected in the design of the current system-- and remedying those oversights could go a long way towards enhancing participation."