東華大學圖書館 |

Language: English

Help

回圖書館首頁

手機版館藏查詢

Back

Switch To: Labeled | MARC Mode | ISBD

The Effectiveness of the Student Loa...

Peek, Audrey.

Linked to FindBook

Google Book

Amazon

博客來

The Effectiveness of the Student Loan Safety Net: An Evaluation of Income-Driven Loan Repayment.

Record Type:	Electronic resources : Monograph/item
Title/Author:	The Effectiveness of the Student Loan Safety Net: An Evaluation of Income-Driven Loan Repayment./
Author:	Peek, Audrey.
Published:	Ann Arbor : ProQuest Dissertations & Theses, : 2018,
Description:	154 p.
Notes:	Source: Dissertation Abstracts International, Volume: 79-08(E), Section: A.
Contained By:	Dissertation Abstracts International79-08A(E).
Subject:	Higher education administration. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10785890
ISBN:	9780355832440

The Effectiveness of the Student Loan Safety Net: An Evaluation of Income-Driven Loan Repayment.
Peek, Audrey.

The Effectiveness of the Student Loan Safety Net: An Evaluation of Income-Driven Loan Repayment. - Ann Arbor : ProQuest Dissertations & Theses, 2018 - 154 p.

Source: Dissertation Abstracts International, Volume: 79-08(E), Section: A.

Thesis (Ed.D.)--The George Washington University, 2018.

One in five federal student loan borrowers today is enrolled in income-driven loan repayment (IDR), a set of safety net programs in which loan payment amounts are tied to borrowers' incomes. Policymakers across the political spectrum support expanding IDR as a way of reducing loan default and encouraging borrowers to work in public service careers, though there is little evidence of the effects of IDR on borrowers' outcomes. Through the lenses of human capital theory and risk aversion theory, this study investigates two key gaps in our knowledge about IDR in comparison to other repayment plans: whether IDR borrowers' make different career choices and whether IDR borrowers are more successful at paying their loans. Using the National Center for Education Statistics' Baccalaureate and Beyond dataset (B&B:08/12), I weighted borrowers by their propensity to enroll in IDR, based on family, institutional, communities, and political and economic characteristics. This analysis found that IDR borrowers are statistically significantly more likely to be women, of Hispanic origin, and from low-income households. IDR borrowers are no more likely to pursue public service careers four years after graduation, but they are substantially more likely to be in repayment as opposed to being in default, forbearance, or any other loan status. The total estimated costs of loan repayment are more varied for IDR borrowers than for borrowers in other plans. Borrowers of color in IDR are likely to pay more than White borrowers in IDR. I conclude with a discussion of the implications for policy, research, and practice, including how policy makers and researchers should interpret the tradeoffs in these results.

ISBN: 9780355832440Subjects--Topical Terms:

2122863
Higher education administration.

The Effectiveness of the Student Loan Safety Net: An Evaluation of Income-Driven Loan Repayment.
LDR:02703nmm a2200313 4500 001 2161950
005 20181002081327.5
008 190424s2018 ||||||||||||||||| ||eng d
020 $a 9780355832440
035 $a (MiAaPQ)AAI10785890
035 $a (MiAaPQ)gwu:14148
035 $a AAI10785890
040 $a MiAaPQ $c MiAaPQ
100 1 $a Peek, Audrey. $3 3349920
245 1 4 $a The Effectiveness of the Student Loan Safety Net: An Evaluation of Income-Driven Loan Repayment.
260 1 $a Ann Arbor : $b ProQuest Dissertations & Theses, $c 2018
300 $a 154 p.
500 $a Source: Dissertation Abstracts International, Volume: 79-08(E), Section: A.
500 $a Adviser: Daniel Klasik.
502 $a Thesis (Ed.D.)--The George Washington University, 2018.
520 $a One in five federal student loan borrowers today is enrolled in income-driven loan repayment (IDR), a set of safety net programs in which loan payment amounts are tied to borrowers' incomes. Policymakers across the political spectrum support expanding IDR as a way of reducing loan default and encouraging borrowers to work in public service careers, though there is little evidence of the effects of IDR on borrowers' outcomes. Through the lenses of human capital theory and risk aversion theory, this study investigates two key gaps in our knowledge about IDR in comparison to other repayment plans: whether IDR borrowers' make different career choices and whether IDR borrowers are more successful at paying their loans. Using the National Center for Education Statistics' Baccalaureate and Beyond dataset (B&B:08/12), I weighted borrowers by their propensity to enroll in IDR, based on family, institutional, communities, and political and economic characteristics. This analysis found that IDR borrowers are statistically significantly more likely to be women, of Hispanic origin, and from low-income households. IDR borrowers are no more likely to pursue public service careers four years after graduation, but they are substantially more likely to be in repayment as opposed to being in default, forbearance, or any other loan status. The total estimated costs of loan repayment are more varied for IDR borrowers than for borrowers in other plans. Borrowers of color in IDR are likely to pay more than White borrowers in IDR. I conclude with a discussion of the implications for policy, research, and practice, including how policy makers and researchers should interpret the tradeoffs in these results.
590 $a School code: 0075.
650 4 $a Higher education administration. $3 2122863
650 4 $a Higher education. $3 641065
650 4 $a Education finance. $3 3172165
690 $a 0446
690 $a 0745
690 $a 0277
710 2 $a The George Washington University. $b Higher Education Administration. $3 1020745
773 0 $t Dissertation Abstracts International $g 79-08A(E).
790 $a 0075
791 $a Ed.D.
792 $a 2018
793 $a English
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10785890