| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w29130 |
| 来源ID | Working Paper 29130 |
| Return on Student Loans in Canada | |
| Lance Lochner; Qian Liu; Martin Gervais | |
| 发表日期 | 2021-08-09 |
| 出版年 | 2021 |
| 语种 | 英语 |
| 摘要 | This paper uses new administrative data with detailed borrower information and lengthy repayment histories from the Canada Student Loans Program (CSLP) to measure rates of return on undergraduate student loans. We document substantial heterogeneity in returns based on information available at the time loans were disbursed, including province of residence, field of study, and institution of attendance. Field of study is a particularly important determinant of rates of return, explaining 22% of the variation in predicted returns across borrowers. We explore the implications of this variation for CSLP cross-subsidization across borrowers and potential risk-based loan limits. Given the variation in ex ante predicted returns across borrowers, using all available information at the time of loan disbursement, we study the implications of potential cream-skimming of high-return borrowers by private lenders. |
| 主题 | Microeconomics ; Households and Firms ; Public Economics ; National Fiscal Issues ; Health, Education, and Welfare ; Education ; Labor Economics ; Labor Supply and Demand |
| URL | https://www.nber.org/papers/w29130 |
| 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/586804 |
| 推荐引用方式 GB/T 7714 | Lance Lochner,Qian Liu,Martin Gervais. Return on Student Loans in Canada. 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 | ||
| w29130.pdf（914KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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