Student Loans: Do College Students Borrow Too Much--Or Not Enough?

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The Impact of Price Caps and Spending Cuts on U.S. Postsecondary Attainment (2017, neutral): “Avery and Turner (2012) estimate lifetime net returns to bachelor’s degree receipt under a variety of assumptions about discount rates and heterogeneous returns to ability.”
Predatory Inclusion and Education Debt: Rethinking the Racial Wealth Gap (2017, background): “A 2012 government report found that those graduating from for-profits finished with median debt of $32,700, compared with $24,600 for private nonprofits (Avery and Turner 2012).”
College on Credit: A Multilevel Analysis of Student Loan Default (2013, background): “…Wisconsin‑Madison, Madison, WI 53706; telephone: (608) 262–3106; fax: (608) 265–3135; email: nwhillman@wisc.edu. two‑thirds of students borrow loans to pay for college, and today’s college graduate is expected to accumulate more than $26,000 in student loan debt (Avery & Turner, 2012; Reed, 2012).”
Credit Supply and the Rise in College Tuition: Evidence from the Expansion in Federal Student Aid Programs (2018, background): “21While the literature disagrees on the exact magnitude of the returns to higher education (Card, 1999; Avery and Turner, 2012), the “college wage-premium” has been shown to be rising over the past two decades due to demand for skilled workers outpacing supply, and contributing to growing wage inequ”