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Who Borrows for College—and Who Repays?

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Abstract

Student loans are increasingly a focus of discourse among politicians, policymakers, and the news media, resulting in a range of new ideas to address the swelling aggregate debt. Evaluating student loan policy proposals requires understanding the challenges faced by student borrowers. In this post, we explore the substantial variation in the experiences of borrowers and consider the distributional effects of various policy options.

Suggested Citation

  • Andrew F. Haughwout & Donghoon Lee & Joelle Scally & Wilbert Van der Klaauw, 2019. "Who Borrows for College—and Who Repays?," Liberty Street Economics 20191009, Federal Reserve Bank of New York.
    • Handle: RePEc:fip:fednls:87356
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    File URL: https://libertystreeteconomics.newyorkfed.org/2019/10/who-borrows-for-collegeand-who-repays.html
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    More about this item

    Keywords

    heterogeneity; household finances; consumer credit panel; student loans; ccp;
    All these keywords.

    JEL classification:

    • D1 - Microeconomics - - Household Behavior

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