Despite the availability of income-driven repayment (IDR) plans--and significant improvements to program design and generosity over time--too many federal student loan borrowers?continue to struggle with repayment. Many struggling borrowers never enroll in an IDR plan; even for some who do,?income-based monthly payments can?still be too high.…

Students, families, colleges, and lawmakers need clearer information on postsecondary outcomes to make informed decisions. By leveraging data available at institutions and federal agencies, a nationwide student-level data network (SLDN) would close information gaps that persist in our higher education landscape to answer critical questions about…

This white paper analyzes the potential effects of requiring income-driven repayment for all federal loans as well as relying on paycheck withholding for loan payments, with particular attention to the implications for low-income students and families. The Institute for College Access & Success (TICAS) also examines the relevance and evolution…

For both efficiency and equity reasons, student loans schemes have been introduced by several countries. Empirical work has been carried out in order to measure the effectiveness of these policies, but, with few exceptions, their results are not comparable because of their concentration on specific aspects. The present work suggests a…