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19 posts on "student loans"
September 8, 2016

The Changing Role of Community‑College and For‑Profit‑College Borrowers in the Student Loan Market

In the first post in this series, we characterized the rapid transformation of the higher education market over the 2000-2015 period, a transformation that was led by explosive growth of the for-profit sector of higher education.

Posted at 7:00 am in Education, Student Loans | Permalink
April 16, 2015

Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015

This morning, Jamie McAndrews, the Director of Research at the Federal Reserve Bank of New York, spoke to the press about the economic recovery, and his speech was followed by a special briefing by New York Fed economists on student loans. Here, we provide a short summary of the student loan briefing.

February 20, 2015

Payback Time? Measuring Progress on Student Debt Repayment

Student debt continues to make headlines because of its high balances and high rates of delinquency and default—troubling issues that we discussed in our previous posts this week.

February 19, 2015

Looking at Student Loan Defaults through a Larger Window

An analysis of student loan borrower distress uncovers some new facts. First, cohort default rates appear to have been worsening over time, Second, defaults appear to be concentrated among the lowest-balance borrowers, who may not have completed their schooling, or may have earned credentials with lower payoffs than a four-year college degree. Finally, snapshots of delinquency and default rates miss the fact that many borrowers who are current today have had serious stress in the past.

February 4, 2015

Household Formation within the “Boomerang Generation”

Young Americans’ living arrangements have changed strikingly over the past fifteen years, with recent cohorts entering the housing market at much lower rates and lingering much longer in their parents’ households.

Posted at 7:00 am in Household Finance, Housing | Permalink
May 13, 2014

Just Released: Young Student Loan Borrowers Remained on the Sidelines of the Housing Market in 2013

Last year, our blog presented results from the FRBNY Consumer Credit Panel (CCP) indicating that, at a time of unprecedented growth in student debt, student borrowers were collectively retreating from housing and auto markets. In this post, we compare our 2012 findings to the news for 2013.

November 20, 2013

Just Released: Lifting the Veil—For‑Profits in the Higher Education Landscape

Higher education is pivotal in our society—yet, its landscape is changing. Over the past decade, the private, for-profit sector of higher education has seen unprecedented growth, and its market share is at an all-time high.

May 14, 2013

Just Released: The Geography of Student Debt

This morning, the New York Fed released its Quarterly Report on Household Debt and Credit for 2013 Q1.

April 17, 2013

Young Student Loan Borrowers Retreat from Housing and Auto Markets

Student loans have soared in popularity over the past decade, with the aggregate student loan balance, as measured in the FRBNY Consumer Credit Panel, reaching $966 billion at the end of 2012.

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