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Fox, Jonathan J.; Bartholomae, Suzanne; Letkiewicz, Jodi C.; Montalto, Catherine P. – Journal of Student Financial Aid, 2017
This study analyzes factors associated with anticipated difficulty with repayment of debt accumulated during college using a basic model of credit risk that includes socialization processes influencing college student financial decisions. The empirical analysis uses data from the 2010 Ohio Student Financial Wellness Study. Results provide evidence…
Descriptors: Debt (Financial), Loan Repayment, Undergraduate Students, Student Financial Aid
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Ishitani, Terry T.; McKitrick, Sean A. – Journal of Student Financial Aid, 2016
As more undergraduates have taken out loans to attend college, the number of borrowers who fail to repay their student loans has increased. While previous research has focused on students' likelihood to default, this study employed institutional cohort default rates (CDRs) as an outcome variable. Using Integrated Postsecondary Education Data…
Descriptors: Undergraduate Students, Student Financial Aid, Loan Default, Loan Repayment
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Mezza, Alvaro; Sommer, Kamila – Journal of Student Financial Aid, 2016
The recent significant increase in student loan delinquencies has generated interest in understanding the key factors predicting the non-performance of these loans. However, despite the large size of the student loan market, existing analyses have been limited by lack of data. This paper studies predictors of student loan delinquencies using a…
Descriptors: Student Loan Programs, Debt (Financial), Loan Default, Loan Repayment
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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
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Hillman, Nicholas W. – Journal of Student Financial Aid, 2015
This essay synthesizes the most recent and rigorous research on student loan debt. It focuses on basic questions about who borrows, how much, and whether debt affects behaviors. Answers to these questions are necessary for informing federal student loan policymaking, yet the research findings are surprisingly mixed because of poor data quality,…
Descriptors: Student Loan Programs, Loan Repayment, Federal Aid, Student Financial Aid
Mueller, Thomas – Journal of Student Financial Aid, 2014
This study builds on the work of scholars who have explored psychological perceptions of the student loan experience. Survey analysis ("N" = 175) revealed a multidimensional model was developed through factor analysis and testing, which revealed four latent variables: "Duress," "Mandatory," "Financial," and…
Descriptors: Student Loan Programs, Debt (Financial), Loan Repayment, College Students
Gross, Jacob P. K.; Cekic, Osman; Hossler, Don; Hillman, Nick – Journal of Student Financial Aid, 2009
Federal higher education policy has shifted over the past few decades from grants to loans as the primary means for providing access to postsecondary education for low- and moderate-income families. With this shift, policy makers have begun tracking student loan default rates as a key indicator of the efficacy of student loan programs. This effort…
Descriptors: Student Loan Programs, Family Income, Loan Default, Literature Reviews
MacCallum, Mike – Journal of Student Financial Aid, 2008
The results of a comprehensive survey of the California community college financial aid offices and data from the California Community Colleges Chancellor's Office provide insight into how financial aid office characteristics and financial aid policies and procedures affect the enrollment, retention, and success of financial aid students at the…
Descriptors: Community Colleges, Student Financial Aid, Enrollment, School Policy
Kesterman, Frank – Journal of Student Financial Aid, 2006
The use of Cohort Default Rate (CDR) as the primary measure of student loan defaults among undergraduates was investigated. The study used data extracted from the National Student Loan Data System (NSLDS), quantitative analysis of Likert-scale survey responses from 153 student financial aid professionals on proposed changes to present metrics and…
Descriptors: Higher Education, College Students, Student Financial Aid, Student Loan Programs
Pinto, Mary Beth; Mansfield, Phylis M. – Journal of Student Financial Aid, 2006
College students today face heavy student loan debt that is intensified by the amount of credit card debt they carry. This study provides a profile of financially at-risk students based on their credit card usage behavior. When compared to the non-financially at-risk students, those in the financially at-risk group were found to have higher…
Descriptors: College Students, Student Loan Programs, Student Financial Aid, Debt (Financial)
Porter, Julia Y.; Fossey, W. Richard; Davis, William E.; Burnett, Michael F.; Stuhlmann, Janice; Suchy, Patricia A. – Journal of Student Financial Aid, 2006
This exploratory study examines the factors that college students perceive are important in helping them make good financial decisions about paying for a college education. The study categorizes and summarizes students' self-reported responses to an open-ended survey question about recommendations for changes in financial aid counseling practices.…
Descriptors: Higher Education, Educational Finance, College Students, Student Attitudes
Herr, Elizabeth; Burt, Larry – Journal of Student Financial Aid, 2005
During spring 2001, Noel-Levitz created a student loan default model for the University of Texas at Austin (UT Austin). The goal of this project was to identify students most likely to default, to identify as risk elements those characteristics that contributed to student loan default, and to use these risk elements to plan and implement targeted,…
Descriptors: Student Loan Programs, Academic Persistence, Loan Default, Predictor Variables
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Baum, Sandy; O'Malley, Marie – Journal of Student Financial Aid, 2003
The fourth Nellie Mae survey of student loan borrowers in repayment reveals that education debt burdens remain manageable for most borrowers. A clear majority of those in repayment report that the benefits of the educational opportunities made possible through borrowing are well worth any problems associated with paying off the loans. There are,…
Descriptors: Student Loan Programs, Low Income, Negative Attitudes, Debt (Financial)
St. John, Edward P. – Journal of Student Financial Aid, 2001
Summarizes prior studies with a focus on untangling how changes in student financial aid policy have influenced changes in opportunity. Also recommends new strategies for lowering student loan debt, increasing federal and state cooperation in providing adequate need-based grant aid, and developing policies that target debt forgiveness for…
Descriptors: Access to Education, Change, College Attendance, Debt (Financial)
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Hira, Tahira K.; Anderson, Mary M.; Petersen, Karen – Journal of Student Financial Aid, 2000
Analysis of data from 443 graduating college seniors found many students: (1) unaware of their total loan indebtedness and payment obligations (both over- and under-estimating debt payments); (2) borrowed to support "a better lifestyle," and (3) were unable to estimate realistically their post-graduation earnings and ability to meet repayment…
Descriptors: College Seniors, Debt (Financial), Higher Education, Knowledge Level
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