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The Effects of Default Choice on Student Loan Borrowing: Experimental Evidence from a Public Research University. Working Paper 28703
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Kramer, Dennis A., II; Lamb, Christina J.; Page, Lindsay C. – National Bureau of Economic Research, 2021
We explore the role of defaults and choice architecture on student loan decision-making, experimentally testing the impact pre-populating either decline or accept decisions compared to an active choice, no pre-population, decision. We demonstrate that the default choice presented does influence student loan borrowing decisions. Specifically,…
Descriptors: Loan Default, Student Loan Programs, Decision Making, Federal Aid