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The Relationship of Student Loan Default to Individual and Campus Characteristics. AIR 1994 Annual Forum Paper [microform] / J. Fredericks Volkwein and Bruce P. Szelest
Bib ID 5573536
Format BookBook, MicroformMicroform, OnlineOnline
Volkwein, J. Fredericks
Online Versions
Description [Washington, D.C.] : Distributed by ERIC Clearinghouse, 1994 
28 p. 

This study addressed the question of whether student loan repayment and default behaviors are more highly related to the characteristics of the college attended or to the characteristics of the aid recipient. The model for the study was based on theories of human capital and public subsidy, ability to pay perspectives, organizational structural/functional approaches, and student-institution fit models. Data from three national databases were merged: the 1987 National Post-secondary Student Aid Study of individual recipients of federal financial aid, the Integrated Post-secondary Education Database System data containing campus financial and enrollment characteristics, and a third containing College Board Survey data. Analysis found no support for the hypothesis that institutional characteristics have an impact on student loan default. Default behavior could, however, be substantially predicted by borrower characteristics. These included race, marital status, college major, grade point average, highest earned degree, and taxable income. These results erode the basis for current national policy and practice, which holds institutions accountable for the default behavior of those who have left the institution. (Contains 37 references.) (JB)


ERIC Note: Paper presented at the Annual Forum of the Association for Institutional Research (34th, New Orleans, LA, May 29-June 1 1994).

May also be available online. Address as at 14/8/18:

Reproduction Microfiche. [Washington D.C.]: ERIC Clearinghouse microfiches : positive. 
Subjects Behavior.  |  College Graduates.  |  Databases.  |  Higher Education.  |  Individual Characteristics.  |  Institutional Characteristics.  |  Loan Default.  |  Loan Repayment.  |  Prediction.  |  Student Characteristics.  |  Student Financial Aid.  |  Student Loan Programs.  |  AIR Forum  |  Integrated Postsecondary Education Data System National Postsecondary Student Aid Study
Form/genre Reports, Research.  |  Speeches/Meeting Papers.
Other authors/contributors Szelest, Bruce P., author
Available From ERIC 


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