The Surprising Role of High-Income Families in Student Debt Trends: Examining Undergraduate Borrowing by Income, 1995-96 to 2015-16

The Surprising Role of High-Income Families in Student Debt Trends: Examining Undergraduate Borrowing by Income, 1995-96 to 2015-16

Observers from across the ideological spectrum argue that the US is in the midst of a student debt crisis. This report takes an approach to understanding who holds student debt by examining borrowers' characteristics when the loans were originated. To help fill a void in the research, this anal...

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Bibliographische Detailangaben
Veröffentlicht in:American Enterprise Institute 2019
1. Verfasser: Delisle, Jason D
Format: Report
Sprache:eng
Schlagworte:
Advantaged
Bachelors Degrees
Certification
Comparative Analysis
Debt (Financial)
Educational Attainment
Educational Finance
Educational Trends
Family Income
Higher Education
Loan Repayment
Low Income
Role
Student Characteristics
Student Financial Aid
Trend Analysis
Undergraduate Students
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Beschreibung
Zusammenfassung:Observers from across the ideological spectrum argue that the US is in the midst of a student debt crisis. This report takes an approach to understanding who holds student debt by examining borrowers' characteristics when the loans were originated. To help fill a void in the research, this analysis focuses on borrowing patterns among students who enrolled in an institution of higher education in the 1995-96 and 2015-16 academic years. (It includes data points for the intervening years in an appendix.) The analysis is limited to two main statistics for undergraduates by family income: the share of students who took on debt and the amount they borrowed.