Data from three national databases were used to investigate the relationship between college student characteristics and college characteristics and patterns in loan repayment and default. Analysis suggested that repayment/default behavior can be predicted by precollege, college, and postcollege characteristics of individual borrowers but not by…

This study addressed the question of whether student loan repayment and default behaviors are more highly related to the characteristics of the college attended or to the characteristics of the aid recipient. The model for the study was based on theories of human capital and public subsidy, ability to pay perspectives, organizational…

Analysis of National Postsecondary Student Aid Study data for 11,000 students in loan programs at 1,400 institutions found borrowers with similar earned degrees, marital status, number of dependent children, showed similar levels of income/loan default, regardless of racial/ethnic group. Findings dispute national policy and suggest that campuses…

This study examined the characteristics of students who default on their student loans and compared default among Whites, Asians, African Americans, Hispanics, and Native Americans. Four logistic regression models were developed using information from the National Post-Secondary Student Aid Study which contains an array of pre-college, college,…