We estimate the causal effect of emergency credit on households' finances after a negative shock. To do so, we link application data from the U.S. Federal Disaster Loan program, which provides loans to households that have uninsured damages from a federally-declared natural disaster, to a panel...

Little is yet known about the lives of those who are in Public Service Loan Forgiveness (PSLF) during repayment, as they approach forgiveness, or after the debt is discharged. With recent fixes to the PSLF program, an opportunity exists to better understand what participants’ lives “look...

A team of researchers at the University of Memphis and the University of Michigan released the results of a groundbreaking analysis revealing the massive personal benefits that student loan borrowers enjoy as they approach and, in particular, as they achieve debt cancellation through the Public...

We estimate the causal effect of emergency credit on households' finances after a negative shock. To do so, we link application data from the U.S. Federal Disaster Loan program, which provides loans to households that have uninsured damages from a federally-declared natural disaster, to a panel...

*Please visit the accepted publication (open access) at https://journals.flvc.org/jpss/article/view/124641. This descriptive, single-university study (N=700) joined institutional, external, and survey data to examine first-year students’ food insecurity links to non-cognitive attributes and...

With the conclusion of the 2016 election, Americans were questioning if race and gender identity differences are as prevalent as the election suggests. Attempting to answer that question as it pertains to higher education policy and drawing inspiration from Social Identity Theory, this research...

As federal policymakers consider changes to income-driven repayment (IDR) schemes, research that examines the characteristics and financial behaviors of student loan borrowers participating in IDR is necessary. Using the nationally representative Survey of Consumer Finances, we examine...

*Please visit the published submission at - https://ir.library.louisville.edu/jsfa/vol50/iss2/4/This study extends and updates Collier et al. (2020) by using the recently-released Survey of Consumer Finances (SCF) 2019 dataset to explore characteristics of enrollees in Income-Driven Repayment...

This quantitative study compares Kalamazoo Promise (KPromise) students to non-Promise, public high school graduating students at the 4-year institution at which the largest number of KPromise students have enrolled and graduated. The sample was generated from 2009-12 Fall cohorts. To add depth...