当前位置: X-MOL 学术Education Finance and Policy › 论文详情
Our official English website, www.x-mol.net, welcomes your feedback! (Note: you will need to create a separate account there.)
Parental Credit Constraints and Child College Attendance
Education Finance and Policy ( IF 1.778 ) Pub Date : 2019-09-01 , DOI: 10.1162/edfp_a_00259
Daniel Ringo 1
Affiliation  

Parents in the United States frequently supplement the student loans available to their children by cosigning on a loan, borrowing against their home equity, or with unsecured debt in their own names. This paper investigates whether some students are constrained from attending and completing college by their parents’ lack of access to credit markets by linking individual parental credit scores to their children's educational attainment. I find that good parental credit significantly improves the child's probability of attending college. Suggestive evidence is provided that the estimated relationship may be causal and not biased by omitted factors, such as unobserved ability or other personality characteristics.

中文翻译:

父母信用约束和儿童大学出勤

在美国,父母通常通过共同签署贷款,以房屋净值借款或以自己的名义持有无抵押债务来补充为子女提供的学生贷款。本文通过将父母的个人信用评分与孩子的受教育程度联系起来,调查一些学生是否由于父母无法进入信贷市场而受限制上学和完成大学。我发现良好的父母信誉显着提高了孩子上大学的可能性。提供了暗示性的证据,表明估计的关系可能是因果关系,不会因遗漏的因素(例如未观察到的能力或其他人格特征)而产生偏差。
更新日期:2019-09-01
down
wechat
bug