What Matters in Student Loan Default: A Review of the Research Literature
What Matters in Student Loan Default: A Review of the Research Literature
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学生贷款违约的重要因素：研究文献综述
DOI：
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发表时间：
2010
期刊：
影响因子：
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通讯作者：
Nicholas W. Hillman
中科院分区：
文献类型：
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作者：
Jacob P. Gross;Osman Çekiç;D. Hossler;Nicholas W. Hillman
在过去的几十年里，联邦高等教育政策已经从助学金转变为贷款，作为中低收入家庭接受高等教育的主要手段。随着这种转变，政策制定者开始跟踪学生贷款违约率，将其作为学生贷款项目有效性的关键指标。这项工作需要更仔细地检查如何定义违约以及违约意味着什么：可接受的违约率是多少？什么因素导致了违约？是否应该用违约率作为机构质量或贷款项目效率的指标？这些问题导致对影响违约因素的进一步调查，例如违约是学生特征的函数还是他们所就读机构的函数，以及所借贷款的类型是否影响违约概率。为了帮助回答这些问题和相关问题，本研究回顾了1978年至2007年间关于学生贷款违约的研究文献，并确定了41项高质量的研究，其结果总结在这里。
19 Federal higher education policy has shifted over the past few decades from grants to loans as the primary means for providing access to postsecondary education for lowand moderate-income families. With this shift, policy makers have begun tracking student loan default rates as a key indicator of the efficacy of student loan programs. This effort requires a closer examination of how to define default and what default signifies: What is an acceptable rate of default? What factors contribute to default? Should default rates be used as indicators of institutional quality or loan program efficacy. These questions lead to further investigation of factors influencing default, such as whether default is a function of the characteristics of students or of the institutions they attend, and whether the types of loans borrowed influence the probabilities of default. To help answer these and related questions, this study reviewed the literature of research on student loan default conducted between 1978 and 2007, and identified 41 of the higher quality studies, the findings of which are summarized here.