This study examined the relationship between individual and institutional characteristics for student veterans who borrow money while enrolled in degree-seeking programs. Using data from the National Postsecondary Student Aid Study (NPSAS 16), we established predictors of borrowing, implications of borrowing, and examined patterns in total aid…

This study examined the effects of unsubsidized federal Stafford loans on six-year degree attainment at 4-year colleges and universities in the U.S., and how these differentially impact students across income groups. For this, nationally representative data from the Beginning Postsecondary Students (BPS:04/09) and the Integrated Postsecondary…

Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan…

This study reviewed the literature to investigate the impact of student loans on career choices, in order to provide implications for policy makers and researchers with respect to student loan policy. For this purpose, empirical studies in peer reviewed journals since 1985 were analyzed. This review explored the results of empirical studies…

College student debt and loan default are growing concerns in the United States. For each U.S. institution, the federal government is now reporting a cohort default rate, which is the percent of students who defaulted on their loan, averaged over a three-year period. Previous studies have amply shown that student characteristics are strongly…