
handle: 10419/121969
More than low default rates, lenders are interested in the expected return on their loans. In this paper, we consider a number of other measures of repayment and nonpayment that are likely to be of direct interest to lenders. Using data from the Baccalaureate and Beyond Longitudinal Study, we document repayment and nonpayment outcomes 10 years after graduation for American students receiving BA/BS degrees in 1993. We estimate dierences in these outcomes across individual/family background characteristics, college major, type of institution, the amount borrowed, and post-graduation income. A key contribution is our analysis of the following outcomes in addition to student loan default rates: the fraction of the original undergraduate loan amount repaid as of 2003, nonpayment rates (including deferment and forbearance as well as default), and the fraction of original undergraduate loan amounts on which borrowers defaulted or are currently not repaying.
colleges, Return to Lenders, scholarships, Kredittilgung, college debt, college access, college costs, student loans, student loans, default, forbearance and deferment, labor market outcomes, return to lenders, Kreditrisiko, USA, ddc:330, financial aid, Default, EDUCATION, Akademiker, loan repayment, Studienfinanzierung, loan defaults, Labor Market Outcomes, postsecondary access, Forbearance and Deferment, higher education, Student Loans, postsecondary education, Student Loans; Default; Forbearance and Deferment; Labor Market Outcomes; Return to Lenders, universities, jel: jel:I21, jel: jel:I23, jel: jel:I28, jel: jel:H52
colleges, Return to Lenders, scholarships, Kredittilgung, college debt, college access, college costs, student loans, student loans, default, forbearance and deferment, labor market outcomes, return to lenders, Kreditrisiko, USA, ddc:330, financial aid, Default, EDUCATION, Akademiker, loan repayment, Studienfinanzierung, loan defaults, Labor Market Outcomes, postsecondary access, Forbearance and Deferment, higher education, Student Loans, postsecondary education, Student Loans; Default; Forbearance and Deferment; Labor Market Outcomes; Return to Lenders, universities, jel: jel:I21, jel: jel:I23, jel: jel:I28, jel: jel:H52
| selected citations These citations are derived from selected sources. This is an alternative to the "Influence" indicator, which also reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically). | 11 | |
| popularity This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network. | Top 10% | |
| influence This indicator reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically). | Top 10% | |
| impulse This indicator reflects the initial momentum of an article directly after its publication, based on the underlying citation network. | Average |
