randomized experiment. Half of the students who responded to an Internet questionnaire were given factual information on loan … conditions, whereas the other half did not receive such information. Six months later, students who received information have …

and many more experience non-repayment. The stress of repayments faced by many students results at least in part from the …

). Moreover, for students attending private universities, a higher number of loans received increased the probability of a dropout … decision, and students from middle-income households had a higher probability of being overdue than students from low …. Furthermore, providing opportunities for students to find various jobs and introducing a rating system for defaulters are two …

which their students defaulted. I examine the predicted institutional responses under a variety of possible penalties and … economic efficiency in terms of costs due to a reallocation of students across sectors. …