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Loans for Educational Opportunity: Making Borrowing Work for Today’s Students
(The Hamilton Project, 2013-10-01)
In this article the authors propose a better model of loan repayment. A single, simple, income-based repayment system called Loans for Educational Opportunity (LEO) will replace the current, bewildering array of repayment ...
The Consequences of Student Loan Credit Expansions: Evidence From Three Decades of Default Cycles
(The Brookings Institution, 2019-07-02)
This paper studies the link between credit availability and student loan repayment using administrative federal student loan data. The authors demonstrate that expansions and contractions in federal student loan credit ...
A Risk-Sharing Proposal for Student Loans
(The Hamilton Project, 2017-04-01)
Many borrowers have difficulty repaying their federal student loans, particularly at certain institutions. This article proposes an institutional accountability system that is intended to help align incentives of institutions ...