Student Loans and the Dynamics of Debt


Student Loans and the Dynamics of Debt

Publication Date





The papers included in this volume represent the most current research and knowledge available about student loans and repayment. It serves as a valuable reference for researchers and policymakers who seek a deeper understanding of how, why, and which students borrow for their postsecondary education; how this borrowing may affect later decisions; and what measures can help borrowers repay their loans successfully.


Download Introduction [to Student Loans and the Dynamics of Debt] (180 KB)


  1. Introduction / Brad Hershbein and Kevin M. Hollenbeck
  2. The Evolution of Student Debt in the United States / Sandy Baum
  3. Measuring Student Debt and Its Performance / Donghoon Lee, Meta Brown, Andrew Haughwout, Joelle Scally, and Wilbert van der Klaauw
  4. The Distribution of College Graduate Debt, 1990-2008 : A Decomposition Approach / Brad Hershbein and Kevin M. Hollenbeck
  5. Understanding Changes in the Distribution of Student Loan Debt over Time / Beth Akers, Matthew M. Chingos, and Alice M. Henriques
  6. College Costs and Financial Constraints: Student Borrowing at For-Profit Institutions / Stephanie Riegg Cellini and Rajeev Darolia
  7. Private Student Loans and Bankruptcy: Did Four-Year Under Undergraduates Benefit from the Increased Collectability of Student Loans? / Xiaoling Ang and Dalié Jiménez
  8. Default and Repayment among Baccalaureate Degree Earners / Lance J. Lochner and Alexander Monge-Naranjo
  9. The Effects of Student Loans on Long-Term Household Financial Stability / Dora Gicheva and Jeffrey Thompson
  10. Making Sense of Loan Aversion: Evidence from Wisconsin / Sara Goldrick-Rab and Robert Kelchen
  11. Federal Student Loan Policy: Improving Loan Design, Repayment, and Consumer Protections / Lauren Asher, Debbie Cochrane, Pauline Abernathy, Diane Cheng, Joseph Mais, and Jessica Thompson
  12. Loans for Educational Opportunity: Making Borrowing Work for Today’s Students / Susan Dynarski and Daniel Kreisman
  13. Measuring the Benefits of Income-Based Repayment for Graduate and Professional Students / Jason Delisle, Alex Holt, and Kristin Blagg


9780880994859 (cloth) ; 9780880994842 (pbk.) ; 9780880994873 (ebook)

Subject Areas

EDUCATION; Postsecondary education; Postsecondary access; Student loans

Student Loans and the Dynamics of Debt




Hershbein, Brad and Kevin M. Hollenbeck, eds. 2015. Student Loans and the Dynamics of Debt. Kalamazoo, MI: W.E. Upjohn Institute for Employment Research.