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- W45658085 abstract "Student loan debt (SLD) enables the pursuit of higher education, as it allows borrowers to fund more education (or more expensive education) than they otherwise could consume. But SLD also may carry with it a cost, namely higher debt levels that can crowd out spending later in life, including on housing. To explore the impact of SLD on such purchasing behavior, this paper studies the effect of cumulative SLD on mortgage debt amounts and interest rates, and how that effect has changed over the past 15 years utilizing data provided by the Federal Reserve’s Survey of Consumer Finances. It does so by employing an ordinary least squares regression analysis with household demographic and finance controls to isolate the effect SLD has on mortgage interest rates and mortgage debt. This analysis proves useful to policymakers because there has been little empirical analysis studying the impact of SLD on households’ ability to participate in the economy in the form of mortgage loans. It suggests that SLD has the propensity to impact long-term financial decisionmaking at the household level and has the potential to alter mortgage markets. My results indicate that SLD holders pay a premium on their mortgage interest rates and tend to obtain smaller mortgage loans." @default.
- W45658085 created "2016-06-24" @default.
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- W45658085 date "2012-01-01" @default.
- W45658085 modified "2023-09-27" @default.
- W45658085 title "The effect of rising student loan debt on mortgage interest rates and debt" @default.
- W45658085 hasPublicationYear "2012" @default.
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