This monograph consists, first, of a brief discussion of the methodology of a study comparing repayment of student loans and the impact of educational debt on students' life decisions in 1985 and 1991, and second, of extensive tables, profiles, and appendices which detail the study's findings. A survey was sent to a random sample of approximately 3,000 borrowers during repayment of their student loans in both 1985 and 1991. Useable surveys were received from 628 borrowers in 1985 and 551 in 1991. Small samples of defaulters were also contacted. For the various data displays, the primary descriptive values displayed are the number of borrowers, means, standard deviations, percentages of change, and significant mean differences. Borrower profiles also report median and quartile values. Among the data presented are the following: loans used only for undergraduate or only for graduate study; borrower monthly take-home income; loan payments as percent of take-home income; sources of loan information; number of colleges at which loans used; number of academic years borrowed; parents' annual income; times late in making payments; degree to which borrowers now wish they had borrowed more/less; degree to which loan debt affected decisions on marriage, housing, and children; grade point average; borrower's age; and consolidation of loans. Appendices also include various cover letters and the survey questionnaire itself. (DB)