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- W781549470 abstract "Since 2008 and the bankruptcy of Lehman Brothers, the balance of outstanding student loan debt has risen at an accelerating pace in the United States, contrasting sharply with the trend for all other types of household credit. Changes to legislation have made it easier to access student loans, while the government has also boosted the volume of federal lending. These measures were designed to help households cope with rising tuition fees at a time of stagnating or even falling (2009) disposable income, caused by negative wealth effects and cuts to student grants. The growth in student loan debt is weighing on individuals’ finances and borrowing capacity. This has potentially negative implications for consumer spending, and can reduce borrowers’ ability to afford rental or mortgage payments, delaying the formation of new households. Moreover, the emergence of a default risk on student loans is making it more and more difficult for indebted individuals to access other forms of credit, raising the threat that a whole segment of the population could become financially and economically excluded. Despite the recent jump in defaults, student loan debt does not pose the same scale of risk as subprime loans: only a small amount of this debt is securitised, and the majority of the loans are guaranteed by the federal government, leaving the banking sector largely unexposed. Student debt may, however, pose a serious threat to public finances." @default.
- W781549470 created "2016-06-24" @default.
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- W781549470 date "2014-01-01" @default.
- W781549470 modified "2023-09-23" @default.
- W781549470 title "Is the rise in student loan debt in the United States a source of economic fragility" @default.
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