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Direct linkDarolia, Rajeev; Ritter, Dubravka – Education Finance and Policy, 2020
Bankruptcy reform in 2005 restricted debtors' ability to discharge private student loan debt. The reform was motivated by the perceived incentive of some borrowers to file for bankruptcy under Chapter 7 even if they had, or expected to have, sufficient income to service their debt. Using a nationally representative sample of millions of anonymized…
Descriptors: Student Loan Programs, Loan Default, Debt (Financial), Loan Repayment
Darolia, Rajeev; Harper, Casandra – Educational Evaluation and Policy Analysis, 2018
A prominent concern is that college students are harming their long-term economic prospects by making student loan decisions without full information about the implications of their choices. We designed an experiment to examine students' responses to a debt letter, an increasingly popular strategy to provide easily accessible information about…
Descriptors: College Students, Student Financial Aid, Debt (Financial), Decision Making
