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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
Jaquette, Ozan; Hillman, Nicholas W. – Journal of Student Financial Aid, 2015
Both federal spending on financial aid and student loan default rates have increased over the past decade. These trends have intensified policymakers' concerns that some postsecondary institutions-- particularly in the for-profit sector--maximize revenue derived from federal financial aid without helping students to graduate or find employment.…
Descriptors: Loan Repayment, Federal Aid, Student Financial Aid, Federal Regulation
