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The Impact of Transferring and Time-to-Graduation on Student Debt


  • Ken Brown

    (University of Northern Iowa)

  • Bulent Uyar

    (University of Northern Iowa)


This paper tests for the impact of two primary variables on the amount of student-debt load upon graduation: how long it has taken to graduate and whether a student has transferred from another school. We focus on the undergraduates who graduated from the University of Northern Iowa (UNI) between the 2000 and 2010 academic years. Our results show that the length of time it takes a student to graduate and transferring from another school both significantly increase the student's total college debt. Most students who transfer to UNI come from a community college. Thus, community colleges may not provide the financial benefits students expect.

Suggested Citation

  • Ken Brown & Bulent Uyar, 2012. "The Impact of Transferring and Time-to-Graduation on Student Debt," Journal of Economic Insight (formerly the Journal of Economics (MVEA)), Missouri Valley Economic Association, vol. 38(2), pages 65-78.
  • Handle: RePEc:mve:journl:v:38:y:2012:i:2:p:65-78

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    More about this item

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • I23 - Health, Education, and Welfare - - Education - - - Higher Education; Research Institutions


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