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Do student loan borrowers opportunistically default? : evidence from bankruptcy reform
Darolia, Rajeev; Ritter, Dubravka - 2015
Persistent link: https://www.econbiz.de/10010502760
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Bankruptcy, Morality & Student Loans : A Decade of Error in Undue Hardship Analysis
White, Daniel Linn - 2017
In an effort to stem perceived abuses of the bankruptcy system, Congress adopted a rule in 1976 that created a time-based conditional limitation on the discharge of federally guaranteed student loans in bankruptcy. The only means of overcoming the limitation was the showing of an “undue...
Persistent link: https://www.econbiz.de/10012959405
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Private Student Loans and Bankruptcy : Did Four-Year Undergraduates Benefit from the Increased Collectability of Student Loans
Ang, Xiaoling - 2018
from other unsecured debt. In 2005, student loans originated by private companies — loans granted only to credit … the cost of consumer credit. Focusing on consumers' decision-making biases, opponents predicted that there would be no … discernible change in the cost of consumer credit or loan volumes. We develop and test theoretical models predicting the effects …
Persistent link: https://www.econbiz.de/10012938300
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Do Student Loan Borrowers Opportunistically Default? Evidence from Bankruptcy Reform
Darolia, Rajeev - 2016
anonymized credit bureau files, we examine the bankruptcy filing and delinquency rates of private student loan borrowers in …
Persistent link: https://www.econbiz.de/10013004942
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Student Loan Debt in Bankruptcy : An Empirical Assessment
Austin, Daniel A. - 2014
from the previous quarter. Of this amount, $53 billion (65%) was student loan debt. In contrast, auto loans and credit card …
Persistent link: https://www.econbiz.de/10013053407
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Consequences of student loan credit expansions : evidence from three decades of default cycles
Looney, Adam; Yannelis, Constantine - 2019
Persistent link: https://www.econbiz.de/10012059034
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The rise in student loan defaults
Müller, Holger M.; Yannelis, Constantine - In: Journal of financial economics 131 (2019) 1, pp. 1-19
Persistent link: https://www.econbiz.de/10012130930
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Delinquency and default in usa student debt as a proportional response to unemployment and average debt per borrower
Fuinhas, José Alberto; Moutinho, Victor Ferreira; … - In: Economies : open access journal 7 (2019) 4/100, pp. 1-16
We research the response of the proportion of student borrowers with ninety or more days of delinquency or in default to variables such as unemployment and the average debt per borrower after the financial crisis of 2007-2008, in the United States, using panel data of 50 states from 2008 to...
Persistent link: https://www.econbiz.de/10012132485
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How useful are default rates? : borrowers with large balances and student loan repayment
Looney, Adam; Yannelis, Constantine - In: Economics of education review 71 (2019), pp. 135-145
Persistent link: https://www.econbiz.de/10012213874
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Default risk and private student loans : implications for higher education policies
Ionescu, Felicia; Simpson, Nicole B. - In: Journal of economic dynamics & control 64 (2016), pp. 119-147
Persistent link: https://www.econbiz.de/10011708257