Sandra E. Black
PLUS or Minus? The Effect of Graduate School Loans on Access, Attainment, and Prices
Tags: Higher educationIn 2006, the federal government effectively uncapped student borrowing for graduate programs with the introduction of the Graduate PLUS loan program. Access to additional federal loans increased graduate students’ borrowing and shifted the composition of their loans from private to federal debt… more →
Patterns, Determinants, and Consequences of Ability Tracking: Evidence from Texas Public Schools
Topics: Student LearningTags: Ability groupingSchools often track students to classes based on ability. Proponents of tracking argue it is a low-cost tool to improve learning since instruction is more effective when students are more homogeneous, while opponents argue it exacerbates initial differences in opportunities without strong… more →
Taking It to the Limit: Effects of Increased Student Loan Availability on Attainment, Earnings, and Financial Well-Being
Topics: Policy, Politics, and GovernanceGrowing reliance on student loans and repayment difficulties have raised concerns of a student debt crisis in the United States. However, little is known about the effects of student borrowing on human capital and long-run financial well-being. We use variation induced by recent expansions in… more →