Data and Code for: Taking It to the Limit: Effects of Increased Student Loan Availability on Attainment, Earnings, and Financial Well-Being

Principal Investigator(s):  View help for Principal Investigator(s) Sandra Black, Columbia University; Jeffrey Denning, University of Notre Dame; Lisa Dettling, Board of Governors of the Federal Reserve System; Sarena Goodman, Board of Governors of the Federal Reserve System; Lesley Turner, University of Chicago. Harris School of Public Policy

Version:  View help for Version V1

Name File Type Size Last Modified
ak00002.uf1 text/plain 15.9 MB 03/02/2022 10:30:AM
akgeo.uf1 text/plain 11.7 MB 07/16/2001 07:52:AM
al00002.uf1 text/plain 101.2 MB 09/18/2023 11:29:AM
algeo.uf1 text/plain 75.7 MB 06/18/2001 11:30:AM
ar00002.uf1 text/plain 83.7 MB 06/18/2001 11:43:AM
argeo.uf1 text/plain 63.1 MB 08/10/2001 06:20:AM
az00002.uf1 text/plain 90.6 MB 08/10/2001 06:25:AM
azgeo.uf1 text/plain 67.6 MB 07/09/2001 05:34:AM
ca00002.uf1 text/plain 336.3 MB 07/09/2001 05:41:AM
cageo.uf1 text/plain 242.2 MB 07/30/2001 07:27:AM
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Project Description

Summary:  View help for Summary Growing reliance on student loans and repayment difficulties have raised concerns of a student debt crisis in the United States, but little is known about the effects of student borrowing on human capital and long-run financial well-being. We use variation induced by recent expansions in federal loan limits combined with administrative datasets to identify the effects of increased access to student loans on credit-constrained students’ educational attainment, earnings, debt, and loan repayment. Increased student loan availability raises student debt and improves degree completion, later-life earnings, and student loan repayment while having no effect on homeownership or other types of debt.

Scope of Project

Subject Terms:  View help for Subject Terms student loans; credit constraints
JEL Classification:  View help for JEL Classification
      I20 Education and Research Institutions: General
      I21 Analysis of Education
      I22 Educational Finance; Financial Aid


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Published Versions

V1 [2023-11-22]

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