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Joanis, Steve; Burnley, James; Mohundro, J. D. – Journal of College Student Retention: Research, Theory & Practice, 2022
This study extends the literature on education economics and student retention by examining social capital as a predictor of college graduation rates, student debt levels, and student loan default rates. Coleman's social capital theory is employed to understand how social influences can impact students through external social support (i.e., social…
Descriptors: Social Capital, Social Influences, College Students, Graduation Rate
Hegji, Alexandra – Congressional Research Service, 2022
Title IV of the Higher Education Act of 1965 (HEA; P.L. 89-329, as amended) authorizes the operation of three federal student loan programs: the William D. Ford Federal Direct Loan (Direct Loan) program, the Federal Family Education Loan (FFEL) program, and the Federal Perkins Loan program. While new loans are currently authorized to be made only…
Descriptors: Federal Aid, Student Loan Programs, Federal Legislation, Debt (Financial)
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
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
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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
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
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
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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
Blagg, Kristin; Blom, Erica; Kelchen, Robert; Chien, Carina – Urban Institute, 2021
Evidence shows that what students study matters as much as, if not more than, where they study. Program-level measures can provide important data on student outcomes, which will allow policymakers to hold institutions and programs that receive federal funding accountable. This fact sheet highlights some of the most frequently discussed measures…
Descriptors: Higher Education, Accountability, Federal Aid, Educational Finance
Cackley, Alicia Puente – US Government Accountability Office, 2019
The Economic Growth, Regulatory Relief, and Consumer Protection Act enabled lenders to offer a rehabilitation program to private student loan borrowers who have a reported default on their credit report. The lender may remove the reported default from credit reports if the borrower meets certain conditions. Congress included a provision in statute…
Descriptors: Student Loan Programs, Private Financial Support, Loan Default, Loan Repayment
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Lee, Jei Young – Journal of Financial Counseling and Planning, 2020
Using data from Lending Club, we analyzed funded loans between 2012 and 2013, the default status of which were mostly known in 2018. Our results showed that both the borrower characteristics and the conditions of the loan were significantly associated with the loan default rate. Results also showed that the sentiment of a user-written loan…
Descriptors: Money Management, Loan Default, Loan Repayment, Correlation
Project on Student Debt, 2020
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, Loan Default, Eligibility, Federal Aid
Leach, Todd J. – New England Journal of Higher Education, 2022
The issue of student debt is now at the forefront of public discourse and political debate. There is no question that debt, not just student debt, impacts the economy and hinders the economic wellbeing of many Americans. At the same time, the factors that lead to that debt should not be ignored. Not all student debt is the same, and not all…
Descriptors: Debt (Financial), Student Loan Programs, Loan Default, Loan Repayment
Schak, J. Oliver – Project on Student Debt, 2021
A college degree or credential is a crucial stepping-stone to the middle class, and American colleges and universities play an essential role in building a more prosperous, equitable country. However, too many colleges routinely and disproportionately enroll students who end up struggling to repay or, worse, default on their student debt. "A…
Descriptors: Student Financial Aid, Debt (Financial), Higher Education, Accountability
Polson, Diana – Pennsylvania Budget and Policy Center, 2022
President Biden's recent announcement regarding student debt relief has brought the issue to center stage across Pennsylvania and the U.S. Access to quality higher education is so important to Pennsylvania's individuals and families, yet the high cost of college in the state has both limited who has access to a good education and, for those…
Descriptors: Debt (Financial), Loan Repayment, Student Loan Programs, Paying for College
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