Financing Human Capital: What Should Federal Student Loan Policies Do?

Grant Year: 2017

Jason Delisle and Matthew Chingos will examine how federal programs for the repayment of student loans can best protect borrowers from excessive risk while reducing the potential costs to taxpayers. They will analyze data from credit reports to examine patterns of default and delinquency among student borrowers. They will also explore how borrowers perceive the risk of default, how collection agencies seek to recoup payments from delinquent borrowers, and how borrowers view the possibility of entering into alternative repayment programs. The project’s findings will appear in a report, a series of papers, and briefings for policymakers.