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Nabeel Alsalam; Elizabeth Ash; Brooks Pierce – Congressional Budget Office, 2024
Recent changes to the federal student loan program will affect student loan borrowing, repayment, and debt. Payments on student loans, which were suspended during the coronavirus pandemic, restarted in October 2023. A new repayment plan introduced in August 2023 will significantly reduce interest accrual and payments for certain borrowers.…
Descriptors: Student Financial Aid, Loan Repayment, Budgets, Federal Programs
Addo, Fenaba R. – Postsecondary Value Commission, 2021
The economic value students derive from postsecondary education relies on both earnings and wealth outcomes. And while sufficient earnings can create economic stability, wealth--which is the total value of assets (what one owns) minus total value of liabilities or debts (what one owes)--is key to the security necessary to withstand life's…
Descriptors: Debt (Financial), Family Financial Resources, Student Loan Programs, College Students
Furquim, Fernando; Deane, K. C.; McCall, Brian P.; DesJardins, Stephen L. – AERA Open, 2022
This paper studies the patterns of individuals' student loan repayment for up to 12 years, tracking borrowers through the formative ages of the early 20s to the late 30s. Using social sequence and cluster analysis to understand these longitudinal repayment histories, we identify five archetypes of loan repayment that describe borrowers'…
Descriptors: Student Loan Programs, Loan Repayment, Loan Default, Racial Differences
Project on Student Debt, 2021
U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. This chart summarizes the interest rates, loan limits, and…
Descriptors: Student Financial Aid, Federal Aid, Paying for College, Loan Repayment
Darolia, 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
Alexandra Hegji – Congressional Research Service, 2024
The William D. Ford Federal Direct Loan (Direct Loan) program is the single largest source of federal financial assistance to support students' postsecondary educational pursuits. The U.S. Department of Education estimates that in FY2025, $93.1 billion in new loans will be made through the program. As of the end of the third quarter of FY2024,…
Descriptors: Student Loan Programs, Debt (Financial), Educational Finance, Federal Programs
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
Hanwen Zhang – Higher Education Research and Development, 2024
Government-backed student loans are not a panacea for educational inequality or social ills. By examining student loans as a means of social control, Bourdieu's concept of symbolic violence can provide novel ways to encapsulate debt-response patterns across cultures and geographies. This gentle, invisible violence creeps in via misrecognition, a…
Descriptors: Neoliberalism, Debt (Financial), Loan Repayment, Loan Default
Buffie, Nick – Progressive Policy Institute, 2023
Given the skyrocketing costs of higher education, some borrowers -- particularly those with low incomes and those who were scammed by for-profit colleges -- genuinely need assistance. But portraying student loan forgiveness as a working-class issue is highly misleading. In fact, data on student borrowing shows that debt relief benefits few…
Descriptors: College Students, Student Financial Aid, Loan Repayment, Student Loan Programs
Michael Dinerstein; Constantine Yannelis; Ching-Tse Chen – Annenberg Institute for School Reform at Brown University, 2023
We evaluate the effects of the 2020 student debt moratorium that paused payments for student loan borrowers. Using administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for borrowers subject to the debt moratorium, as well as an increase in credit scores. We find a large…
Descriptors: Student Financial Aid, Debt (Financial), Loan Repayment, Credit (Finance)
Elif Burcu Dilden – ProQuest LLC, 2021
This dissertation combines three essays on the industrial organization and the industrial organization of education markets. These three essays study how the strategic behavior of firms influences market outcomes and consumer decisions. The first chapter examines the manufacturer's product variety and its relation to the manufacturer's bargaining…
Descriptors: Economic Factors, Higher Education, School Business Relationship, Merchandising
Emmanuel Obilor Njoku – ProQuest LLC, 2022
Community colleges serve more than a significant proportion of Americans who could not otherwise attend colleges by providing access to fulfill their educational goals. Many of the students enrolled in the institutions look to the federal government to finance their educational expenses by obtaining federally guaranteed student loans. The…
Descriptors: Loan Default, Paying for College, Two Year College Students, Predictor Variables
Institute for College Access & Success, 2020
This brief illustrates that while many borrowers in IDR [income-driven repayment] will repay their loans in full, those who do receive a discharge of remaining debt after 20 or 25 years of responsible payments may face an unaffordable tax liability because these discharged amounts are treated as taxable income under current law.
Descriptors: Taxes, Income Contingent Loans, Loan Repayment, Student Loan Programs
Sattelmeyer, Sarah; Caldwell, Tia – New America, 2022
In the summer of 2022, New America managed focus groups with almost 50 borrowers from across the country who reported holding federal student debt and defaulting on their loans before the COVID-19 pandemic. Focus group participants felt hopeless about their student loans, and they had good reason to feel this way. They entered the default system,…
Descriptors: Student Loan Programs, Debt (Financial), Loan Default, Loan Repayment
Pizarro Milian, Roger; Zarifa, David; Seward, Brad – Higher Education Quarterly, 2021
Government-sponsored student loans have emerged over the decades as a primary method of financing post-secondary education across most North American jurisdictions. Despite this, the empirical literature examining the correlates of repayment difficulty and default in Canada has remained stagnant in recent years. This study taps into an…
Descriptors: Student Loan Programs, Loan Repayment, Loan Default, Foreign Countries