Government‐sponsored student loans have emerged over the decades as a primary method of financing post‐secondary education across most North American jurisdictions. Despite this, the empirical literature examining the correlates of repayment difficulty and default in Canada has remained stagnant in recent years. This study taps into an underutilised data source—the 2013 National Graduates Survey—to examine the relationship between demographics, human capital, borrowing behaviour and other known predictors and repayment difficulty. Our logistic regression models demonstrate that disability status, geographic region and borrowing behaviour are correlated with loan default and repayment difficulty, while failing to verify the existence of other demographic effects routinely found in the existing literature. We discuss the implications of these findings, along with multiple avenues for further empirical work on this topic within Canada.

中文翻译：

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偿还学生贷款：人口，人力资本以及其他违约和还款难度的相关因素

几十年来，政府资助的学生贷款已成为大多数北美辖区资助中学后教育的主要方法。尽管如此，近年来审查加拿大的还款难度与违约相关性的经验文献仍然停滞不前。本研究利用未充分利用的数据源（2013年全国毕业生调查）来研究人口统计学，人力资本，借贷行为以及其他已知预测因素与还款难度之间的关系。我们的逻辑回归模型表明，残疾状况，地理区域和借贷行为与贷款违约和还款难度相关，而未能验证现有文献中常规存在的其他人口统计学影响。