Explanipedia

Behavioral nudges prevent loan delinquencies at scale: A 13-million-person field experiment Open

Robert Kuan, Kristin Blagg, Benjamin Castleman, Rajeev Darolia, Jordan Matsudaira , et al. · 2025

Americans collectively hold over $1.6 trillion in student loan debt, and over the last decade millions of borrowers have defaulted on loans, with serious consequences for their financial health. In a 13-million-person field experiment with…

The Labor Market Returns to Very Short Postsecondary Certificates Open

Rajeev Darolia, Chuanyi Guo, Youngran Kim · 2023

Postsecondary Certificates and Faculty Composition Open

Rajeev Darolia, Young-Ran Kim · 2023

Who do College Students Turn to for Financial Aid and Student Loan Advice, and is it Advice Worth Following? Open

Casandra E. Harper, Lisa Marie Scheese, Enyu Zhou, Rajeev Darolia · 2021

In this article, we examine the sources of information that college students turn to as they make decisions related to financial aid and student loans. Based on interview data from 25 undergraduate students from one public, four-year insti…

Labor market returns to a prison GED Open

Rajeev Darolia, Peter R. Mueser, Jacob Cronin · 2021

The Dynamics and Measurement of High School Homelessness and Achievement Disparities Open

Rajeev Darolia, Andrew Sullivan · 2021

Federal Student Loan Servicing Accountability and Incentives in Contracts Open

Rajeev Darolia, Andrew Sullivan · 2020

Student loan servicers play a critical and underappreciated role in federal student loan programs.The federal government contracts out to servicers an array of many of the most critical functions related to student loan repayment, includin…

Board 32: The Diversity of College Engineering Degrees: The Role of Geography and the Concentration of Engineering Degree Production Open

Rajeev Darolia, Cory Koedel, Joyce Main · 2020

Project funded under the NSF Division of Engineering Education and Centers In order to meet the growing demand for a larger technological and scientific labor force in the United States, it is critical to broaden participation in the scien…

Where Do Students Go When For-Profit Colleges Lose Federal Aid? Open

Stephanie Riegg Cellini, Rajeev Darolia, Lesley J. Turner · 2020

We examine the effects of federal sanctions imposed on for-profit institutions in the 1990s. Using county-level variation in the timing and magnitude of sanctions linked to student loan default rates, we estimate that sanctioned for-profit…

High School Course Access and Postsecondary STEM Enrollment and Attainment Open

Rajeev Darolia, Cory Koedel, Joyce Main, Jean Felix Ndashimye, Junpeng Yan · 2019

We study the effects of access to high school math and science courses on postsecondary science, technology, engineering, and mathematics (STEM) enrollment and degree attainment using administrative data from Missouri. Our data include mor…

Improving Teacher Practices With Children Under Five: Experimental Evidence From the Mississippi Buildings Blocks Open

Irma Arteaga, Kathy R. Thornburg, Rajeev Darolia, Jacqueline Hawks · 2019

Background: The literature on the effects of teacher coaching in early childhood (EC) education programs is underdeveloped but emerging. Using the theory of action in professional development as our theoretical framework, we hypothesize th…

Board # 93 : The Role of High School Math and Science Course Access in Student College Engineering Major Choice and Degree Attainment Open

Joyce Main, Rajeev Darolia, Cory Koedel, Junpeng Yan, Jean Felix Ndashimye · 2018

Previous research has documented numerous factors that impede the progress of women and underrepresented minorities in engineering fields, which can be broadly categorized into six factors: “classroom and academic climate, grades and conce…

Strategic Default Among Private Student Loan Debtors: Evidence from Bankruptcy Reform Open

Rajeev Darolia, Dubravka Ritter · 2017

Bankruptcy reform in 2005 restricted debtors? ability to discharge private student loan debt. The reform was motivated by the perceived incentive of some borrowers to file bankruptcy under Chapter 7 even if they had, or expected to have, s…

Strategic Default Among Private Student Loan Debtors: Evidence from Bankruptcy Reform Open

Rajeev Darolia, Dubravka Ritter · 2017

Bankruptcy reform in 2005 restricted debtors' ability to discharge private student loan debt.The reform was motivated by the perceived incentive of some borrowers to file bankruptcy under Chapter 7 even if they had, or expected to have, su…

Guest Editors’ Conclusions: Financial Aid Practitioner-Researcher Partnerships: Lessons from the Field Open

Rajeev Darolia, Justin Chase Brown · 2017

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Guest Editors’ Introduction: Strengthening Financial Aid Researcher-Practitioner Partnerships Open

Justin Chase Brown, Rajeev Darolia · 2017

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Where Do Students Go When For-Profit Colleges Lose Federal Aid? Open

Stephanie Riegg Cellini, Rajeev Darolia, Lesley Turner · 2017

Recent federal investigations and new regulations have resulted in restrictions on for-profit institutions' access to federal student aid.We examine the enrollment effects of similar restrictions imposed on over 1,200 for-profit colleges i…

Assessing the College Financial Aid Work Penalty Open

Rajeev Darolia · 2017

Working has become commonplace among college students in the United States; however, this activity can have unexpected financial consequences. Federal formulas implicitly tax the amount of financial aid some students are eligible to receiv…

Where Do Students Go when For-Profit Colleges Lose Federal Aid? Open

Stephanie Riegg Cellini, Rajeev Darolia, Lesley Turner · 2016

Recent policy debates have focused on whether restricting for-profit institutions' access to federal student financial aid could reduce student loan defaults without restricting prospective students' access to higher education.We examine t…

An Experiment on Information Use in College Student Loan Decisions Open

Rajeev Darolia · 2016

There is ample concern that college students are making ill-informed student loan decisions with potentially negative consequences to themselves and the broader economy.This paper reports the results of a randomized eld experiment in which…

Income-Tested College Financial Aid and Labor Disincentives Open

Rajeev Darolia · 2015

Working has become commonplace among college students; however, this activity can have unexpected financial consequences. Federal formulas implicitly tax the amount of financial aid students are eligible to receive by as much as 50 cents f…

DO STUDENT LOAN BORROWERS OPPORTUNISTICALLY DEFAULT? EVIDENCE FROM BANKRUPTCY REFORM Open

Rajeev Darolia, Dubravka Ritter · 2015

Bankruptcy reform in 2005 eliminated debtors' ability to discharge private student loan debt and was motivated by the perceived incentive of some borrowers to declare bankruptcy even if they had sufficient income to service their debt.Usin…

Do Employers Prefer Workers Who Attend For-Profit Colleges? Evidence from a Field Experiment Open

Rajeev Darolia, Cory Koedel, Paco Martorell, Katie Wilson, Francisco Pérez‐Arce · 2015

This paper reports results from a resume‐based field experiment designed to examine employer preferences for job applicants who attended for‐profit colleges. For‐profit colleges have seen sharp increases in enrollment in recent years despi…

College Costs and Financial Constraints: Student Borrowing at For-Profit Institutions Open

Stephanie Riegg Cellini, Rajeev Darolia · 2015

This paper assesses trends in student borrowing in for-profit institutions. Drawing on data from the National Postsecondary Student Aid Study (NPSAS), we document the high and rising debt levels of for-profit students relative to students …

Income-Tested College Financial Aid and Labor Disincentives Open

Rajeev Darolia · 2015

Do Student Loan Borrowers Opportunistically Default? Evidence from Bankruptcy Reform Open

Rajeev Darolia, Dubravka Ritter · 2015

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