A Primer on Income-Related Student Loan Repayment in the United States

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A Primer on Income-Related Student Loan Repayment in the United States

Authors

Nicholas Hillman

Assistant Professor, Department of Educational Leadership & Policy Analysis
University of Wisconsin–Madison

Taylor Weichman

Doctoral Candidate
University of Wisconsin–Madison

Jacob Gross (BIO)

Assistant Professor, College of Education and Human Development
University of Louisville

Matthew Berry
Doctoral Candidate
University of Louisville

Summary

This policy brief discusses income-related student loan repayment models in the United States. It describes recent trends in student loan repayment, along with participation patterns in income-related payment plans. It provides a brief history of the idea along with commentary on what we know - and don't know - about the U.S. Department of Education's existing income-related repayment plans. The brief concludes by outlining key elements that are central to evaluating the efficacy of income-related loan repayment.

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