Working Paper
Navigating Higher Education Insurance: An Experimental Study on Demand and Adverse Selection
WP 24-07 – For student loan borrowers, income-contingent repayment is designed to lessen student loan burdens by tying monthly payments to the borrower’s income.
Featured Work
Working Paper
The Effect of Student Loan Payment Burdens on Borrower Outcomes
WP 24-08 – Rising student loan debt and concerns over unaffordable payments provide a rationale for the broad class of “income-driven repayment” (IDR) plans for federal student loans.
Report
Special Four-Report Series on Student Loan Payments Resumption
In a four-part series of special reports, the Federal Reserve Bank of Philadelphia studies the financial and economic impacts of the federal student loan payments resumption.
Report
Back in the Loan Game: What Can We Expect from the Student Loan Payment Resumption?
The student loan repayment landscape has evolved rapidly, with many borrowers resuming payments for the first time since the payment pause began in April 2020. Here we analyze current publicly available payments data and share insights from a July 2023 survey by the Consumer Finance Institute (CFI).