L. Diane Ryan


Why do some students repay their student loans and others default? This study was designed to investigate the degree to which selected characteristics of student loan borrowers are associated with repayment or default on loans within the California State University through a survey of student loan repayers and defaulters. Cross tabulations and chi-square analysis found high levels of significance in postsecondary outcome variables, institutional practices, degree completion, and methods of explaining rights and responsibilities, as well as an extremely high degree of positive predictive accuracy using discriminant analysis on repayers and defaulters.