delinquency. Loan mismanagement varies across student gender and ethnicity: it is more prominent among male and non-white students … alternative explanations, based on students’ financial education, overconfidence, consumption preferences, and aversion to …

instead shifts students across higher education sectors. Finally, we provide suggestive evidence that students induced to …

extending federal loans to students, while improving lower- and middle-class access to higher education, has enabled the … American students. Specifically, this Article asserts that borrower put rights should be embedded into new student loan … only be rationalized if they were likely to return commensurate value to the school’s students …

points), completion rates (1-3 percentage points), and reduce their students’ debt level (e.g., $500~$1000 lower for … graduated students). Our back-of-the-envelope cost-benefit calculation shows that the DHSI program benefits exceed cost. …

Inequalities do not end once students enter higher education. Yet, the majority of papers on the effectiveness of …-tested financial aid on the outcomes of students who have already enrolled in college. To do so, we exploit a unique non …

This paper examines systematic inequalities in the match between students and the university degree they apply to, and … measure of student-to-degree match employing minimal assumptions. We find that students who are the first in the family to … contrast, only the highest achieving female students relatively undermatch. These gaps are larger at the application stage. We …

This paper examines systematic inequalities in the match between students and the university degree they apply to, and … measure of student-to-degree match employing minimal assumptions. We find that students who are the first in the family to … contrast, only the highest achieving female students relatively undermatch. These gaps are larger at the application stage. We …

Working has become commonplace among college students; however, this activity can have unexpected financial … consequences. Federal formulas implicitly tax the amount of financial aid students are eligible to receive by as much as 50 cents … for each marginal dollar of income. This tax creates an incentive for college students to reduce income, though abstruse …