| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w28703 |
| 来源ID | Working Paper 28703 |
| The Effects of Default Choice on Student Loan Borrowing: Experimental Evidence from a Public Research University | |
| Dennis A. Kramer II; Christina J. Lamb; Lindsay C. Page | |
| 发表日期 | 2021-04-26 |
| 出版年 | 2021 |
| 语种 | 英语 |
| 摘要 | We explore the role of defaults and choice architecture on student loan decision-making, experimentally testing the impact pre-populating either decline or accept decisions compared to an active choice, no pre-population, decision. We demonstrate that the default choice presented does influence student loan borrowing decisions. Specifically, compared to active choice, students presented within a pre-populated decline decision were almost five percent less likely to accept all packaged loans and borrowed between 4.6 and 4.8 percent less in federal educational loans. The reductions in borrowing appears to be concentrated within unsubsidized loans with those assigned to the opt-in condition borrowing 8.3 percent less in unsubsidized loans. These changes in borrowing did not induce substitution towards private or Parent PLUS loans nor did they negatively impact enrollment, academic performance, or on-campus work outcomes in the same academic year. |
| 主题 | Health, Education, and Welfare ; Education |
| URL | https://www.nber.org/papers/w28703 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/586376 |
| 推荐引用方式 GB/T 7714 | Dennis A. Kramer II,Christina J. Lamb,Lindsay C. Page. The Effects of Default Choice on Student Loan Borrowing: Experimental Evidence from a Public Research University. 2021. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w28703.pdf（492KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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