Abstract

http://ssrn.com/abstract=2137243
 


 



Student Loans: Overview and Issues


Kelly D. Edmiston


Federal Reserve Bank of Kansas City; Rockhurst University; Georgia State University - Fiscal Research Center

Lara Brooks


Federal Reserve Bank of Kansas City

Steven Shepelwich


affiliation not provided to SSRN

August 16, 2012

Federal Reserve Bank of Kansas City Research Working Paper No. 12-05

Abstract:     
This report provides a detailed overview of the student loan market, presents new statistics that highlight student loan debt burdens and delinquency rates, and discusses current concerns among many Americans about student loans, including their fiscal impact. The report is intended to enhance awareness of the state of student loan debt and delinquency and highlight issues facing borrowers, creditors, the federal government, and society at large. While the report does not offer specific suggestions on how to address the problems it highlighted, it does suggest some areas of concern to think about as policymakers consider student loans, and what some term to be the associated “crisis” around them. The clear message is that student loans present problems for some borrowers that are well worth addressing. At the same time, the analysis suggests that student loans do not yet impose a significant burden on society from their fiscal impact.

Number of Pages in PDF File: 29

Keywords: student loans, personal debt, fiscal burden

JEL Classification: I22, I23, D14, H52

working papers series





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Date posted: August 28, 2012  

Suggested Citation

Edmiston, Kelly D. and Brooks, Lara and Shepelwich, Steven, Student Loans: Overview and Issues (August 16, 2012). Federal Reserve Bank of Kansas City Research Working Paper No. 12-05. Available at SSRN: http://ssrn.com/abstract=2137243 or http://dx.doi.org/10.2139/ssrn.2137243

Contact Information

Kelly D. Edmiston (Contact Author)
Federal Reserve Bank of Kansas City ( email )
1 Memorial Dr.
Kansas City, MO 64198
United States
Rockhurst University ( email )
Kansas City, MO 64110
United States
Georgia State University - Fiscal Research Center ( email )
33 Gilmer Street, SE Unit 2
Atlanta, GA 30303-3082
United States
Lara Brooks
Federal Reserve Bank of Kansas City ( email )
1 Memorial Dr.
Kansas City, MO 64198
United States
Steven Shepelwich
affiliation not provided to SSRN ( email )
Feedback to SSRN


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