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Research Article
Open Access

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

Adam Goldstein, Charlie Eaton, Amber Villalobos, Parijat Chakrabarti, Jeremy Cohen, Katie Donnelly
RSF: The Russell Sage Foundation Journal of the Social Sciences September 2023, 9 (4) 86-111; DOI: https://doi.org/10.7758/RSF.2023.9.4.04
Adam Goldstein
aAssociate professor of sociology and public affairs at Princeton University, United States
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Charlie Eaton
bAssociate professor of sociology at University of California Merced, United States
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Amber Villalobos
cPostdoctoral research associate at the Higher Education, Race, and the Economy Lab at University of California Merced, United States
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Parijat Chakrabarti
dPostdoctoral fellow at the University of Michigan, United States
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Jeremy Cohen
eDoctorate in sociology from Princeton University, United States
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Katie Donnelly
fDoctoral candidate in sociology at Princeton University, United States
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    Figure 1.

    Frequency of Overarching Categories of Burdens Described in Complaints

    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.

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    Figure 2.

    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.

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    Figure 3.

    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.

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    Figure 4.

    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.

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    Figure A.1.

    Distributions of Hypothetical Monthly Payment-to-Income Burdens

    Source: Authors’ tabulation based on UCCCP data (University of California Consumer Credit Panel 2021).

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RSF: The Russell Sage Foundation Journal of the Social Sciences: 9 (4)
RSF: The Russell Sage Foundation Journal of the Social Sciences
Vol. 9, Issue 4
1 Sep 2023
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Administrative Burden in Federal Student Loan Repayment, and Socially Stratified Access to Income-Driven Repayment Plans
Adam Goldstein, Charlie Eaton, Amber Villalobos, Parijat Chakrabarti, Jeremy Cohen, Katie Donnelly
RSF: The Russell Sage Foundation Journal of the Social Sciences Sep 2023, 9 (4) 86-111; DOI: 10.7758/RSF.2023.9.4.04

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Administrative Burden in Federal Student Loan Repayment, and Socially Stratified Access to Income-Driven Repayment Plans
Adam Goldstein, Charlie Eaton, Amber Villalobos, Parijat Chakrabarti, Jeremy Cohen, Katie Donnelly
RSF: The Russell Sage Foundation Journal of the Social Sciences Sep 2023, 9 (4) 86-111; DOI: 10.7758/RSF.2023.9.4.04
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  • Article
    • Abstract
    • FEDERAL STUDENT LOAN SERVICING AND REPAYMENT PROGRAMS
    • FEDERAL STUDENT LOAN SERVICING
    • ADMINISTRATIVE BURDEN AND SOCIAL STRATIFICATION
    • BURDENS AND STRATIFIED ACCESS TO PUBLIC PROGRAMS
    • METHODS AND RESEARCH DESIGN
    • QUALITATIVE DATA AND METHODS
    • QUANTITATIVE DATA AND METHODS
    • QUALITATIVE ANALYSIS OF CFPB COMPLAINTS
    • IMPLICATIONS FOR ADMINISTRATIVE EXCLUSION FROM IDR
    • COMBINED EFFECTS OF ADMINISTRATIVE BURDENS ON STRATIFIED ACCESS TO REPAYMENT PLANS
    • DISCUSSION AND CONCLUSION
    • BROADER IMPLICATIONS
    • APPENDIX. DESCRIPTION OF CODING SCHEME FOR QUALITATIVE ANALYSIS
    • FOOTNOTES
    • REFERENCES
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Keywords

  • income-driven repayment
  • IDR
  • student loans
  • debt servicing
  • administrative burden
  • stratified take-up

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