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Virginia_Mechanicsville payday loans «

Maret 26, 2022

This is taken from the loan-level cross section data, as opposed to the panel data used for Figure 1

Filed under: Virginia_Mechanicsville payday loans — admin @ 8:05 am

This is taken from the loan-level cross section data, as opposed to the panel data used for Figure 1

Figure 2.

personal loans for closing costs

In each year, one million individuals with student debt between the ages of 18-35 are observed, along with all of their student loans. The yellow series shows the share of student loans in quick Mechanicsville payday loans each year of the cross section in which the current balance exceeds the starting balance.

The credit reporting data also includes each individual’s zip code. We match that to zip code-level demographic data from the American Community Survey to try to see how non-repayment differs by race. The pink series shows that same share of loans for individuals who reside in zip codes that are majority white, and the purple series shows that share for individuals who live in majority-minority zip codes. Even though there’s no direct information about the race of the actual individuals in the credit reports, and plenty of non-white people live in majority-white zip codes, while a smaller but still significant share of white people live in majority-minority zip codes, we can be fairly certain from this data that non-repayment is concentrated among non-white borrowers, as measured by loans with a higher balance than their original balance. (more…)


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