PEDAR: Executive Summary " " Characteristics of Undergraduate Borrowers: 1999-2000
Profile of Borrower Groups
Persistance/Attainment Risk
Types and Source of Financial Aid
Who Receives Financial Aid
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Research Methodology
Full Report (PDF)
Executive Summary (PDF)
" " Introduction

This report describes student borrowing by comparing different groups of undergraduate borrowers. Two sets of borrower groups are examined: 1) high, medium, low, and nonborrowers as defined by borrowing from all sources in 1999–2000 (excluding federal Parent Loans for Undergraduate Students (PLUS) and loans from family or friends);1 and 2) Stafford loan maximum borrowers (total, subsidized, and unsubsidized),2 less-than-maximum borrowers, and Stafford nonborrowers.3 The analysis of borrower groups explores demographic and enrollment characteristics, risk for not persisting to completion of an educational program, and types of loans and other financial aid received. The final analysis in the report considers all borrowers as a group and explores the likelihood of borrowers with certain characteristics obtaining particular types of financial aid. Twenty-nine percent of undergraduates borrowed from some source to help finance postsecondary education in 1999–2000.

Data from the 1999–2000 National Postsecondary Student Aid Study (NPSAS:2000) were used for this report. These data provide a nationally representative sample of undergraduates enrolled at postsecondary institutions that participated in the federal student aid programs authorized by Title IV of the Higher Education Act.4 NPSAS:2000 includes information on student demographic and enrollment characteristics, the type (level and control) of the enrolling institution, and dollar amounts borrowed from various sources in 1999–2000.

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