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Analysis of the CSLP Student Loan Defaulter Survey and Client Satisfaction Surveys

机译:CsLp学生贷款拖欠调查和客户满意度调查分析

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摘要

This analysis confirms our findings from the Defaulter Survey regarding quantitatively important relationships between repayment problems and borrower income. We also identify an important role for student debt, educational attainment, and beliefs about repayment. The analysis further reveals the importance of intergenerational relationships for repayment. Children whose parents are able and willing to financially help them out in times of economic stress are much less likely to experience repayment problems. The extended period of loan designation data associated with the 2010 and 2011 CSS samples allows us to examine the persistence of repayment problems. Individuals who had some form of repayment problem at the date of the CSS (early in their repayment period) were much more likely to be experiencing repayment problems a year or more later than were individuals with no repayment problem as of the CSS. Individuals on IR/RAP were less likely to be experiencing repayment problems 12 and 18 months later than those who were delinquent at CSS; however, both groups had significantly higher serious repayment problems at the later date than did those with no problem at CSS. Our results also suggest that income (at CSS), student loan debt, and educational attainment are important factors affecting default/bankruptcy a year or more after CSS. Interestingly, youth who attended private post-secondary institutions were significantly more likely to experience serious repayment problems 12 and 18 months after CSS.
机译:该分析证实了我们在违约者调查中关于还款问题与借款人收入之间在数量上重要的关系的发现。我们还确定了学生债务,教育程度以及对还款的信念的重要作用。分析进一步揭示了代际关系对于还款的重要性。父母有能力并且愿意在经济压力下帮助他们的孩子,遭受还款问题的可能性要小得多。与2010年和2011年CSS样本相关的贷款指定数据的延长期限使我们能够检查还款问题的持续性。与在CSS上没有还款问题的个人相比,在CSS出现之日(在还款期的早期)有某种形式的还款问题的人更有可能在一年或更晚的时间内遇到还款问题。与那些在CSS上拖欠债务的人相比,IR / RAP的个人在12和18个月后遇到还款问题的可能性较小;但是,两组的严重还款问题晚于没有CSS的问题。我们的结果还表明,收入(按CSS计),学生贷款债务和受教育程度是影响CSS一年或更长时间后违约/破产的重要因素。有趣的是,就读CSS后12和18个月,就读于私立大专院校的年轻人更有可能遇到严重的还款问题。

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