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PEDAR: Research Methodology  Debt Burden - A Comparison of 1992–93 and 1999–2000 Bachelor’s Degree Recipients a Year After Graduating
Executive Summary
Research Methodology
References
Full Report (PDF)
Executive Summary (PDF)
 Footnotes

1The apparent increase for American Indians was not statistically significant. (return to text)

2Again, the apparent increase for American Indians was not statistically significant. (return to text)

3The Department of Education website provides detailed information on each federal loan program, including loan limits, repayment options, interest rates, and eligibility requirements. This information is available at http://www.studentaid.ed.gov. (return to text)

4While not based on a nationally representative sample of students, a similar pattern of discrepancy was reported by Baum and O’Malley (2003) in the rate of growth in undergraduate debt level and monthly repayments based on data from the 2002 National Student Loan Survey conducted by the Nellie Mae Corporation. (return to text)

5While both the amounts borrowed and the monthly loan payments are student reported in a telephone interview and therefore subject to recall error, the two appear to be consistent. The monthly payment on a 10-year loan for $12,100 (the average borrowed by 1992–93 graduates) at 8–10 percent interest would be $147–160; the payment on a 10-year loan for $19,300 (the average for 1999–2000 graduates) at 6–7 percent interest would be $214–224. (return to text)



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National Center for Education Statistics - http://nces.ed.gov
U.S. Department of Education