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Default Risk and Private Student Loans: Implications for Higher Education Policies
38/38 checkable references clean · checked 2026-08-29
Every reference with a DOI in the deposited reference list resolved to a known work in Crossref or DataCite at the dated check, and none carried a retraction, withdrawal, or removal notice.
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The 38 checked references that resolve
resolves10.1111/j.1745-6606.2009.01151.x
Credit Scoring and Its Effects on the Availability and Affordability of Credit
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The Changing Role of Family Income and Ability in Determining Educational Achievement
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Why Have College Completion Rates Declined? An Analysis of Changing Student Preparation and Collegiate Resources
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Higher education subsidies and heterogeneity: a dynamic analysis
resolves10.1111/j.1468-0262.2007.00806.x
A Quantitative Theory of Unsecured Consumer Credit with Risk of Default
resolves10.3982/QE100
Insuring student loans against the financial risk of failing to complete college
resolves10.3386/w7322
Estimating the Payoff to Attending a More Selective College: An Application of Selection on Observables and Unobservables
resolves10.20955/wp.2007.051
A General Equilibrium Theory of College with Education Subsidies, In-School Labor Supply, and Borrowing Constraints
resolves10.1016/j.red.2009.10.010
Unequal we stand: An empirical analysis of economic inequality in the United States, 1967–2006
resolves10.1162/003465301750159993
Identifying the Role of Cognitive Ability in Explaining the Level of and Change in the Return to Schooling
resolves10.1016/0167-2231(94)90004-3
The importance of precautionary motives in explaining individual and aggregate saving
resolves10.1016/j.red.2008.09.004
The Federal Student Loan Program: Quantitative implications for college enrollment and default rates
resolves10.1111/1468-2354.00146
The Effect of Parental Transfers and Borrowing Constraints on Educational Attainment
resolves10.1016/j.jmoneco.2005.01.007
U.S. consumer bankruptcy choice: The importance of general equilibrium effects
resolves10.1353/eca.2015.0003
A Crisis in Student Loans?: How Changes in the Characteristics of Borrowers and in the Institutions They Attended Contributed to Rising Loan Defaults
resolves10.1257/0002828043052213
Intergenerational Persistence of Earnings: The Role of Early and College Education
resolves10.3386/w13340
The Effect of Credit Constraints on the College Drop-Out Decision A Direct Approach Using a New Panel Study
The 26 references without a DOI — listed, not checked
no DOI — not checkedIt is important to note that there is not a single data source that contains information on family contribution, ability, credit type, educational attainment, borrowing and default behavior. Therefore, we use four data sets: Beginning Postsecondary Student Longitudinal Survey (BPS 04/09), National Education Longitudinal Study (NELS:1988), Survey of Consumer Finances (SCF) and FRBNY Consumer Credit Panel (Equifax). Specifically, the Equifax dataset contains detailed credit-related information (e.g., repayment and various measures of delinquencies), but does not provide demographic characteristics (with the exception of age). Most notably, it lacks any information about income or educational attainment/enrollment. Contrast this with data from the U.S. Department of Education (namely, the BPS and NELS), which provide detailed information about enrollment, educational attainment, sources of financing, and demographic characteristics. U.S. Department of Education data also contain some information about default behavior, but does not provide any information on credit type. The Survey of Consumer Finances (SCF), on the other hand, provides self-reported information about credit type
no DOI — not checkedref2
no DOI — not checkedBPS cohorts include beginners in post-secondary schools who are surveyed at three points in time: in their first year in the National Postsecondary Student Aid Study (NPSAS), and then three and six years after first starting their post-secondary education in follow-up surveys. BPS collects data on a variety of topics, including student demographics, school experiences, persistence, borrowing/repayment of student loans, and degree attainment six years after enrollment. Our sample consists of students aged 20-30 who enroll in a four-year college following high school graduation. For demographic characteristics
no DOI — not checkedEducation policy and intergenerational transfers in equilibrium
no DOI — not checkedref10
no DOI — not checkedref12
no DOI — not checkedMeasuring student debt and its performance. Federal Reserve Bank of New York Staff Reports
no DOI — not checkedCollege costs and financial constraints: Student borrowing at for-profit institutions
no DOI — not checkedA theory of credit scoring and the competitive pricing of default risk
no DOI — not checkedTrends in college pricing
no DOI — not checkedCollege-bound seniors: Total group profile report
no DOI — not checkedTrends in Higher Education Series
no DOI — not checkedref27
no DOI — not checkedref28
no DOI — not checkedBorrowers who drop out: A neglected aspect of the college student loan trends
no DOI — not checkedref43
no DOI — not checkedABS East Investor Presentation
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no DOI — not checkedHow much are college students borrowing?
no DOI — not checkedref57
no DOI — not checkedref58
no DOI — not checkedTrends in Undergraduate Borrowing II: Federal Student Loans in 1995-96
no DOI — not checkedref60
no DOI — not checkedStudent Loans Overview: Fiscal Year
no DOI — not checkedref62
no DOI — not checkedref64
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