Like Any Other Trap data instructions and sample code - Student Loan Repayment

Principal Investigator(s):  View help for Principal Investigator(s) Fernando Furquim, Minneapolis College; KC Deane, University of Michigan; Brian McCall, University of Michigan; Stephen DesJardins, University of Michigan

Version:  View help for Version V1

Name File Type Size Last Modified
Like Any Other Trap data instructions and sample code - Student Loan Repayment 0

Project Citation: 

Furquim, Fernando, Deane, KC, McCall, Brian, and DesJardins, Stephen. Like Any Other Trap data instructions and sample code - Student Loan Repayment. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2022-03-18. https://doi.org/10.3886/E165382V1

Project Description

Summary:  View help for Summary This paper studies the patterns of individuals’ student loan repayment for up to 12 years, tracking borrowers through formative ages from early 20s to late 30s. Using social sequence and cluster analysis to understand these longitudinal repayment histories, we identify five archetypes of loan repayment that describe borrowers’ experiences: persistent defaulters, perpetual payers, rapid full payers, late full payers, and consolidators. We find significant stratification by race/ethnicity, social class, and institutional sector into repayment clusters, with minoritized borrowers and those attending for-profit institutions more likely to experience adverse borrowing outcomes and to experience them for longer.



Related Publications

Download this file

Published Versions

V1 [2022-03-18]

Export Metadata

Dublin Core

DDI 2.5

Report a Problem

Found a serious problem with the data, such as disclosure risk or copyrighted content? Let us know.

This material is distributed exactly as it arrived from the data depositor. ICPSR has not checked or processed this material. Users should consult the investigator(s) if further information is desired.