Research Reports

Research Reports

The below research reports were developed to provide policymakers and community leaders with the information needed for effective, targeted interventions to ease the burden for New Yorkers struggling with student debt.

Blue report cover for Student Loan Debt Distress Across NYC Neighborhoods: Public Hearing and Policy Proposals

Student Loan Debt Distress Across NYC Neighborhoods: Public Hearing and Policy Proposals

On June 20, 2018, DCA Commissioner Lorelei Salas chaired Speak Up, Speak Out: A Public Hearing about Student Loan Debt in NYC. At the hearing, legal service providers, experts in the higher education field, advocates for students and veterans, and members of the public came together to share their experiences with student loan debt. The panelists and attendees also shed light on some of the barriers to successful loan repayment. In this latest report we outline the scale of the student loan debt problem; highlight findings from our previous student loan reports; summarize testimony from the hearing; and offer policy recommendations.
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Gold report cover for Student Loan Debt Distress Across NYC Neighborhoods: Identifying Indicators of Vulnerability

Student Loan Debt Distress Across NYC Neighborhoods: Identifying Indicators of Vulnerability

In November 2018, OFE announced the findings of their second student loan report which was a follow-up to the previous research report, Student Loan Borrowing Across NYC Neighborhoods, a collaboration between OFE and the Federal Reserve Bank of New York. The report identifies and examines seven factors that are associated with student loan default among New Yorkers, while also highlighting trends across New York City neighborhoods. The seven factors that increase vulnerability to student loan default include: non-completion, part-time attendance, attendance at a for-profit institution, independent student status, low income, and being black or Hispanic.
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Report cover Student Loan Borrowing Across NYC Neighborhoods

Student Loan Borrowing Across NYC Neighborhoods

In December 2017, OFE and the Federal Reserve Bank of New York released the Student Loan Borrowing Across NYC Neighborhoods, the first neighborhood-level examination of student loan outcomes. The report found that although New Yorkers’ delinquency and default rates are slightly lower than the national average, certain NYC neighborhoods are experiencing significantly higher rates of delinquency and default despite the fact that their residents have low average loan balances. These higher levels of student debt delinquency and default also tended to be among older borrowers and those in lower- income neighborhoods.
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DCWP hosted a series of student loan debt clinics during the first half of 2019. Check out the full overview and findings.