U.S. Higher Education


Student Loan Safety Nets: Estimating the Costs and Benefits of Income-Based Repayment

April 14, 2014, Beth Akers and Matthew M. Chingos

Beth Akers and Matthew Chingos develop an empirical framework for understanding the costs and benefits of income-based repayment programs, and find that existing programs may be as much as four times more costly than they need to be to accomplish their core mission of protecting borrowers from unaffordable monthly payments.

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