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. Yet, despite its importance, educational debt is not well understood. Among the reasons is that there exist few central … analysis of the historical and current levels of student debt and how those loans are performing. We also briefly discuss the …
Persistent link: https://www.econbiz.de/10010762559
Remarks at the National Association of College and University Business Officers, at the Waldorf Astoria, New York City.
Persistent link: https://www.econbiz.de/10011160719
Remarks at the Convening on Student Loan Data Conference, Federal Reserve Bank of New York, New York City.
Persistent link: https://www.econbiz.de/10011189146
We investigate the determinants of students’ university choice, with a focus on expected monetary returns, non-pecuniary factors enjoyed at school, and financial constraints, in the Pakistani context. To mitigate the identification problem concerning the separation of preferences,...
Persistent link: https://www.econbiz.de/10011027218
Debit cards are overtaking credit cards as the most prevalent form of electronic payment at the point of sale, yet the … determinants of a ubiquitous consumer choice - "debit or credit?" - have received relatively little scrutiny. Several stylized …. Principally, the 50 percent of debit-card users who revolve credit-card balances would pay interest to charge purchases on the …
Persistent link: https://www.econbiz.de/10002521756
of individuals who are current on their debt. We document that these effects are concentrated at the bottom of the income … new lines of credit and display lower credit scores than individuals who file for bankruptcy. Since bankruptcy filings …
Persistent link: https://www.econbiz.de/10011254936
on the residence choices of 1 percent of young Americans with credit reports, observed quarterly for fifteen years in the … Federal Reserve Bank of New York’s Equifax-sourced Consumer Credit Panel (CCP). Steep increases in the rate of living with … student debt changes to the observed changes in young Americans’ living arrangements, we model flows into and out of co …
Persistent link: https://www.econbiz.de/10011082708
"This paper uses a game-theoretic model to analyze the disincentive effects of low-tuition policies on student effort. The model of parent and student responses to tuition subsidies is then calibrated using information from the National Longitudinal Survey of Youth 1979 and the High School and...
Persistent link: https://www.econbiz.de/10002521757
Persistent link: https://www.econbiz.de/10000849909