Both student loans and household debt are at their peaks. This paper investigates how student loans causally impact … debt holdings of individuals in the medium-run using data from the National Longitudinal Survey of Youth 1997. To identify … the causal effect of student loans on future debt holdings, I instrument the amount of student loan debt with eligibility …

This paper investigates the effects of college tuition on student debt and human capital accumulation. We exploit data … from a random sample of undergraduate students in the United States and implement a research design that instruments for … tuition with relatively large changes to the tuition of students who enrolled at the same school in different cohorts. We find …

this "college premium," it has raised new questions about how growing numbers of students can make these investments. One …. Yet, despite its importance, educational debt is not well understood. Among the reasons is that there exist few central … analysis of the historical and current levels of student debt and how those loans are performing. We also briefly discuss the …

varied; households with a higher educational attainment had greater student loan debt with high loan payment-to-income ratios … aspects of student loan debt payment and potential risks, which provide opportunities for further research …

credit card debt relativeto borrowers whose student loans were not in forbearance. Credit card borrowing isincreasing and is … auto loans and significantly lesstotal mortgage debt (driven by new mortgages). Auto loans are primarily driven by newauto … loans, with non-banks serving as the most significant suppliers of new auto debt. Ascredit card and auto borrowing continue …

Many borrowers with federal student loans also carry balances on loans owed to private companies. Students take out … historically targeted low-income and non-white students, including hose attending for-profit colleges and trade schools, which … that seek to profit off students who could not afford to repay loans in the first place through legislation that protects …

, moreover, superior in terms of mitigating the “bad debt” held by students, that unrecouped by returns to college. Budget … targeted forgiveness of student loans on student college enrollment and completion or dropout decisions. We focus on students … subsidy with partial forgiveness of student debt conditional on dropping out has a doubly efficient effect of risk mitigation …

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 …

between household debt levels, financial stability risks, and the ongoing implications of the ‘debt overhang’ for economic … growth. However, accurately measuring the household debt burden remains problematic. Aggregate measures of household … indebtedness (e.?g. household liabilities relative to income) fail to fully capture the debt servicing burdens of households …

. In the U.S., student loan default rates have also risen for recent cohorts as labor market uncertainty and debt levels … have increased. We discuss these trends as well as recent evidence on the extent to which students are able to obtain … student credit arrangements that balance three important objectives: (i) providing credit for students to access college and …