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In: Journal of policy analysis and management: the journal of the Association for Public Policy Analysis and Management, Band 29, Heft 3, S. 526-553
ISSN: 0276-8739
In: Journal of policy analysis and management: the journal of the Association for Public Policy Analysis and Management, Band 29, Heft 3, S. 526-552
ISSN: 1520-6688
In: Economics of education review, Band 25, Heft 4, S. 394-411
ISSN: 0272-7757
In: Economics of education review, Band 94, S. 102402
ISSN: 0272-7757
In: The journal of human resources, Band 54, Heft 2, S. 342-370
ISSN: 1548-8004
In: Journal of policy analysis and management: the journal of the Association for Public Policy Analysis and Management, Band 36, Heft 4, S. 950-953
ISSN: 1520-6688
In: Journal of policy analysis and management: the journal of the Association for Public Policy Analysis and Management, Band 36, Heft 4, S. 934-942
ISSN: 1520-6688
In: The annals of the American Academy of Political and Social Science, Band 671, Heft 1, S. 92-112
ISSN: 1552-3349
This article examines the borrowing behavior of students enrolled in for-profit colleges, asking how and why their borrowing differs relative to students pursuing postsecondary education in other sectors. We employ statistical decompositions to understand the extent to which variation in borrowing across sectors can be attributed to observed characteristics of students and of higher education institutions. Drawing on nationally representative data on undergraduate students, we show that college costs of attendance are the primary observed driver of the large differences in borrowing between students in for-profit institutions and those in other sectors. However, a substantial portion of borrowing differences remains unexplained by these high costs, low student financial resources, and variation in college attendance patterns. Further, there is little evidence that changes in these characteristics can explain the rise in student borrowing in the for-profit sector over time. We discuss how these findings present challenges to regulation of the for-profit sector, and the extent to which policymaking can encourage prudent borrowing and college choice decisions.
In: NBER Working Paper No. w22287
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In: Economics of education review, Band 43, S. 125-140
ISSN: 0272-7757
In: NBER Working Paper No. w18343
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Working paper
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In: NBER Working Paper No. w17827
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In: NBER Working Paper No. w22967
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In: NBER Working Paper No. w14516
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Working paper