administrative data from the Canada Student Loan Program, we show that nearly all recent borrowers with annual incomes above $40 … that expanding Canada's income-based Repayment Assistance Plan to automatically cover all borrowers could reduce revenue by …

-income students. This implies that there is scope for a policy to redirect loan dollars – and therefore students – from low …

have increased. We discuss these trends as well as recent evidence on the extent to which students are able to obtain … student credit arrangements that balance three important objectives: (i) providing credit for students to access college and …

. When the insurance aspects of IDR are emphasized, students are significantly more likely to participate, while …. Emphasizing the insurance aspects of IDR has larger effects on students who anticipate a higher probability of not being employed … and/or low earnings at graduation. In contrast, when costs are emphasized, IDR take-up is uncorrelated with students …

students receiving BA/BS degrees in 1993. We estimate differences in these outcomes across individual/family background …

Using unique survey and administrative data from the Canada Student Loans Program, we document that parental support … may be inefficient and lead to undesirable redistribution. Empirically, we demonstrate that expanding Canada’s income …

of the value of financial aid for prospective students, and relate it to parental socio-economic background, individual … skills, risk and time preferences. Our results point out that a considerable share of prospective students are affected by …,000 loan. The willingness-to-pay for financial aid is highly heterogeneous across students, with preferences and in particular …