Skip to main content

Jessica Dorrance–PI. The Center for Community Capital (CCC) will work with the Annie E. Casey Foundation (AECF) on the first stage of a project whose ultimate goal is to understand the causes of student loan delinquency and default among undergraduate students well as the role that North Carolina educational institutions and state-level policies might play in mitigating both. During this preliminary phase of the research, CCC will undertake work to help AECF understand what data are available for exploring this topic and what current innovative practices are being used by educational institutions to address student loan delinquency and default. AECF understands the student loan process as occurring in three stages: 1. Loan origination, which normally occurs at the time of or just prior to enrollment/matriculation; 2. Additional borrowing, which happens during the college experience; 3. Transition into repayment, which happens after the student has left college. CCC will look at data sources and innovative practices concerning each of these stages. The proposed research has three distinct goals: 1. To examine publicly available sources of student loan data and assess their usefulness in helping AECF explore student loan delinquency and default in North Carolina.; 2. To identify best practices and innovative solutions being implemented by North Carolina’s two- and four-year educational institutions and/or through state-level policies and programs in order to reduce the likelihood of student loan delinquency and default.; 3. To determine if individual borrower data on FAFSA, Federal loan holdings, loan performance, academic performance, other relevant academic variables (e.g. major), and demographic data are available from the UNC system for use in the next phase of the research.