Maxed Out?: The Effect of Larger Student Loan Limits on Borrowing and Education Outcomes
Abstract
Jeffrey T. Denning and Todd R. Jones Jeffrey T. Denning is an associate professor of economics at Brigham Young University. Todd R. Jones is an assistant professor of economics at Mississippi State University. Much of the work was performed while Jones was a postdoctoral research associate at Georgia Policy Labs at Georgia State University.
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Denning (2019) finds that students who qualify for larger Pell awards are more likely to persist, reduce labor supply, and graduate faster.
“Denning (2019) finds that (conditional on aid application) students who qualify for larger Pell awards are more likely to persist, reduce labor supply, and graduate faster as a result.”
From College Costs, Financial Aid, and Student Decisions (2022) · cites this paper as Denning, 2019
For public university students in Texas, increased access to student loans had no effects on academic performance, persistence, or completion.
“They find no effects on academic performance, persistence, or completion for their sample of public university students in Texas (although the persistence and completion results are too imprecise to rule out small effects).”
From College Costs, Financial Aid, and Student Decisions (2022) · cites this paper as Denning and Jones (2021)
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College Costs, Financial Aid, and Student Decisions
Dynarski, S., Page, L., & Scott-Clayton, J. (2022) · National Bureau of Economic Research · doi:10.3386/w30275 · Cited by 56 · see citing works
- Authors
- Denning, J. T., & Jones, T. R.
- Affiliations
- Brigham Young University (US)
- Georgia State University (US)
- Venue
- Journal of Human Resources
- Publisher
- University of Wisconsin Press
- Published
- 2019-11-13
- Volume
- 56
- Issue
- 4
- Pages
- 1113-1140
- ISSN
- 0022-166X (ISSN-L)
- 1548-8004
- OpenAlex
- W2985475503
- Cited by
- 24
- References
- 0
- Citations by year
- 2026: 1 · 2025: 2 · 2024: 3 · 2023: 3 · 2022: 6 · 2021: 4 · 2020: 4 · 2019: 1
- FWCI
- 9.56
- Type
- journal article
- Language
- en
- Open access
- closed
- Locations
- The Journal of Human Resources (publishedVersion)
- Topics
- Social Sciences › Business, Management and Accounting › Accounting › Financial Literacy, Pension, Retirement Analysis
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Labor market dynamics and wage inequality
- Social Sciences › Demography › Retirement, Disability, and Employment
- Keywords
- household debt, consumer borrowing, household leverage, household finance
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