Student loan programs

The Student Loan Trap

I would like for you to join me in a thought exercise to explore how and why our current generation of students are compelled to shoulder up to $100,000 in graduate school debt to enter our profession. Not only are the debt levels onerous, these loans typically bear interest rates of up to 7%. In contrast, it is easy to get a car loan for around 4%. What is the meaning of this for our newly min...

Financially Sustainable Student Loan Programs: The Management of Risk in the Quest for Private Capital

Student Loan Debt and Economic Outcomes

This policy brief advances the growing literature on how student loan debt affects individuals’ other economic decisions. Specifically, it examines the impact of student loan liabilities on individuals’ homeownership status and wealth accumulation. The analysis employs a rich set of financial and demographic control variables that are not available in many of the existing studies that use credi...

Process and Net Impact Evaluations of the Focus: HOPE Adult Training Programs and Student Loan Fund

ACKNOWLEDGMENTS Focus: HOPE provides valuable, practical occupational training in machinist or information technology (IT) occupations to young people who face barriers to the development of viable careers through postsecondary education and training because of low-income, basic skills deficiencies, incarceration, or parenting responsibilities. This report documents a study of the adult trainin...

Is Student Loan Debt Discouraging Home Buying Among Young Adults ?