Administrative Burden in Federal Student Loan Repayment, and Socially Stratified Access to Income-Driven Repayment Plans

Frequency of Administrative Burdens from Communication Problems Between Borrowers and Servicers

Source: Authors’ tabulation from coded sample of CFPB complaints regarding federal student loan repayment (Consumer Financial Protection Bureau 2021).

Note: Nonexclusive codes, N = 505 testimonials.

Frequency of Administrative Burdens from Organizational Coordination Breakdowns

Source: Authors’ tabulation from coded sample of CFPB complaints regarding federal student loan repayment (Consumer Financial Protection Bureau 2021).

Note: Nonexclusive codes, N = 505 testimonials.

Mean Probability of Enrollment in IDR Plan Among Highly Indebted Borrowers (Top 40% of Standard Loan Payment-to-Income Distribution), by Neighborhood Income and Neighborhood Percent Black Population, UCCCP Sample

Source: Authors’ tabulation based on analysis of coded credit report sample (University of California Consumer Credit Panel 2021).

Note: Data are from a sample of federal borrowers in repayment. Estimates are based on the average enrollment rate among the subset of borrowers in the top 40 percent of monthly payment-to-income ratio (sample distribution) under a hypothetical standard repayment plan. N= 181,119 respondents.