Policymakers & Advocates

About The Center for Consumer Advocacy

Policymakers & Advocates

About The Center for Consumer Advocacy

White Papers And Research

Life Delayed: The Impact Of Student Debt On The Daily Lives Of Young Americans

A survey recently conducted by American Student Assistance found that those with student debt are delaying decisions to buy a home, get married, have children, save for retirement, and enter a desired career field because of their debt.

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Missing Data: Focusing On The Wrong Factors Could Lead To Student Loan Distress

Unfortunately, all we really track is the number of loans that have died. We could be much more successful in returning federal assets in student lending if we did more to make sure problems didn’t occur in the first place and held people accountable for metrics that help, rather than add to, the distress of borrowers.

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Retirement Delayed

As the way we finance higher education has changed over the generations, so too have the demographics of those impacted by student debt. With a rapidly increasing population of older, “non-traditional” students enrolling in college every day, not only is the image of new college graduates inaccurate, but so is the image of those struggling with student debt.

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Approaching The Tipping Point

Our nation’s student loan system is approaching a tipping point from a social, economic, and public policy perspective. Rising college costs, a sluggish job market that has driven a record number of Americans to seek out higher education, and a constraint on federal and state budget dollars afforded to grants, have all combined to produce an explosion in student loan borrowing.

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