administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for … borrowers subject to the debt moratorium, as well as an increase in credit scores. We find a large stimulus effect, as borrowers … to increase borrowing on credit cards, mortgages, and auto loans rather than avoid delinquencies. The effects are …

to a proliferation of financial aid policy in the U.S. and around the world. More students are receiving more aid today … outside the U.S. on the causal impact of a variety of financial aid policies and programs on students' college decisions …

We conduct a survey-based experiment with 2,776 students at a non-profit university to analyze income insurance demand … in education financing. We offered students a hypothetical choice: either a federal loan with income-driven repayment or … ISA uptake by 43%. We observe that students are responsive to changes in contract terms and possible student loan …

tuition coverage to students admitted to one of 33 government-certified high-quality universities known for superior test …. To qualify, students must score in the top 10% of the standardized high school exit exam and have below-median household … partly by high-quality universities improving students' skills, as demonstrated by their performance on Colombia's college …

variation from a Colombian financial aid reform boosting the share of low-income students at an elite university. Combining … college records and original survey data, I study how diversity affects high-income students' social networks, perceptions … low-income peers caused high-income students to diversify their social networks, have more accurate perceptions of the …

the Graduate PLUS loan program. Access to additional federal loans increased graduate students' borrowing and shifted the … in constrained students' persistence or degree receipt. We document that among programs in which a larger share of … graduate students had exhausted their annual federal loan eligibility before the policy change--and thus were more exposed to …

federal student loans to students who have received information about financial aid but have not made a borrowing decision. A … treatment reminding students that they need not borrow the maximum amount of available loan aid does not affect borrowing …. Treatments referencing amounts borrowed by recent graduates shift students from borrowing the maximum amount to not borrowing …

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

mechanisms are available for students to adjust loan repayments in response to income fluctuations: formal, like CSLP's Repayment …