Center for Microeconomic Data

 
STUDENT DEBT 
Reports and Data
Quarterly Report on Household Debt and Credit
This report provides data on student loans, including outstanding balances and delinquencies (released in February, May, August, and November).

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2025 Student Loan Update
Charts and data drawing from the New York Fed Consumer Credit Panel summarizing who holds student loans along with characteristics of these balances, 2004-24. The document also includes descriptive statistics by state, 2019-24.

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Analysis
Liberty Street Economics
Student Loan Balance and Repayment Trends Since the Pandemic Disruption
March 2025
Credit Score Impacts from Past Due Student Loan Payments
March 2025
The New York Fed Consumer Credit Panel: A Foundational CMD Data Set
April 2024
Archive
2023
Borrower Expectations for the Return of Student Loan Repayment
October 2023
An Update on the Health of the U.S. Consumer
October 2023
2022
Revisiting Federal Student Loan Forgiveness: An Update Based on the White House Plan
September 2022
Three Key Facts from the Center for Microeconomic Data’s 2022 Student Loan Update
August 2022
Who Are the Federal Student Loan Borrowers and Who Benefits from Forgiveness?
April 2022
What Might Happen When Student Loan Forbearance Ends?
April 2022
Student Loan Repayment during the Pandemic Forbearance
March 2022
More
Unequal Distribution of Delinquencies by Gender, Race, and Education
November 2021
Uneven Distribution of Household Debt by Gender, Race, and Education
November 2021
Do College Tuition Subsidies Boost Spending and Reduce Debt? Impacts by Income and Race
July 2020
Measuring Racial Disparities in Higher Education and Student Debt Outcomes
July 2020
Racial Disparities in Student Loan Outcomes
November 2019
Is Free College the Solution to Student Debt Woes?
October 2019
Who Borrows for College—and Who Repays?
October 2019
Student Loan Borrowing and Repayment by Neighborhood Composition
John C. Williams, President and Chief Executive Officer
September 2019
Mind the Gap in Delinquency Rates
August 2019
Shifts in Credit Market Participation over Two Decades
May 2019
Do Expansions in Health Insurance Affect Student Loan Outcomes?
March 2018
Who Is More Likely to Default on Student Loans
November 2017
At the N.Y. Fed: Press Briefing on Household Borrowing with Close-Up on Student Debt
April 2017
Diplomas to Doorsteps: Education, Student Debt, and Homeownership
April 2017
Household Borrowing, Student Debt Trends, and Homeownership
William C. Dudley, President and Chief Executive Officer
New York Fed, New York City, April 2017
Opening Remarks at the Economic Press Briefing on Household Borrowing, Student Debt Trends and Homeownership
William C. Dudley, President and Chief Executive Officer
New York Fed, New York City, April 2017
Presentation: Press Briefing on Household Debt with a Focus on Student Debt
Rajashri Chakrabarti, Andrew Haughwout, Donghoon Lee, Joelle W. Scally, and Wilbert van der Klaauw
NEW YORK FED, April 2017
Puerto Rico’s Evolving Household Debts
August 2016
Which Households Have Negative Wealth?
August 2016
Student Loan Borrowing and Residence Trends Among Younger Americans
Meta Brown, Andrew Haughwout, Donghoon Lee, Joelle W. Scally, and Wilbert van der Klaauw
NEW YORK FED, May 2016
The Graying of American Debt
February 2016
Trends in Debt Concentration in the United States by Income
November 2015
How Much Student Debt Is Out There?
META BROWN, JESSE BRICKER, SIMONA HANNON, AND KAREN PENCE, FEDS NOTES
August 2015
Just Released: Press Briefing on Student Loan Borrowing and Repayment Trends, 2015
April 2015
Opening Remarks at the Convening on Student Loan Data Conference
William C. Dudley, President and Chief Executive Officer
New York Fed, New York City, March 2015
Payback Time? Measuring Progress on Student Debt Repayment
February 2015
Looking at Student Loan Defaults through a Larger Window
February 2015
The Student Loan Landscape
February 2015
Just Released: Student Loan Delinquency Rate Defies Overall Downward Trend in Household Debt and Credit Report for Fourth Quarter 2014
February 2015
Student Debt and Higher Education Financing: A Public Finance Perspective
James McAndrews, Executive Vice President and Director of Research
New York Fed, New York City, February 2015
Household Formation within the “Boomerang Generation”
February 2015
What Americans (Don’t) Know about Student Loan Collections
June 2014
From Our Archive: Student Debt in Perspective
June 2014
Just Released: Young Student Loan Borrowers Remained on the Sidelines of the Housing Market in 2013
May 2014
Just Released: Who’s Borrowing Now? The Young and the Riskless!
February 2014
Just Released: Deleveraging Decelerates and Household Balances Increase
November 2013
Student Debt Overview
Meta Brown, SENIOR ECONOMIST
NEW YORK FED, WASHINGTON D.C., August 2013
Are Recent College Graduates Finding Good Jobs?
William C. Dudley, President and Chief Executive Officer
New York Fed, New York City, June 2013
Just Released: The Geography of Student Debt
May 2013
Young Student Loan Borrowers Retreat from Housing and Auto Markets
April 2013
Household Debt and Credit: Student Debt
Donghoon Lee, SENIOR ECONOMIST
NEW YORK FED, February 2013
Just Released: Has Household Deleveraging Continued?
August 2012
Grading Student Loans
March 2012
Publications
BY CMD RESEARCHERS
Assessing the Relative Progressivity of the Biden Administration’s Federal Student Loan Forgiveness Proposal
Jacob Goss, Daniel Mangrum, and Joelle W. Scally
Federal Reserve Bank of New York Staff Reports, January 2023, Revised June 2023
Archive
More
Echoes of Rising Tuition in Students’ Borrowing, Educational Attainment, and Homeownership in Post-Recession America
Zachary Bleemer, Meta Brown, Donghoon Lee, Katherine Strair, and Wilbert van der Klaauw
Federal Reserve Bank of New York Staff Reports, July 2017
Do We Know What We Owe? Consumer Debt as Reported by Borrowers and Lenders
Meta Brown, Andrew Haughwout, Donghoon Lee, and Wilbert van der Klaauw
FEDERAL RESERVE BANK OF NEW YORK ECONOMIC POLICY REVIEW, October 2015
Student Debt Growth and the Repayment Progress of Recent Cohorts
META BROWN, ANDREW HAUGHWOUT, DONGHOON LEE, JOELLE SCALLY, AND WILBERT VAN DER KLAAUW
THE AMERICAN BANKRUPTCY INSTITUTE LAW REVIEW, October 2015
Financial Education and the Debt Behavior of the Young
META BROWN, JOHN GRIGSBY, WILBERT VAN DER KLAAUW, JAYA WEN, AND BASIT ZAFAR
FEDERAL RESERVE BANK OF NEW YORK STAFF REPORTS, September 2015
Debt, Jobs, or Housing: What's Keeping Millennials at Home?
ZACHARY BLEEMER, META BROWN, DONGHOON LEE, AND WILBERT VAN DER KLAAUW
FEDERAL RESERVE BANK OF NEW YORK STAFF REPORTS, November 2014, Revised July 2015
Household Debt and Saving during the 2007 Recession
RAJASHRI CHAKRABARTI, DONGHOON LEE, WILBERT VAN DER KLAAUW, AND BASIT ZAFAR
NATIONAL BUREAU OF ECONOMIC RESEARCH, WORKING PAPER, April 2011
Improving Survey Measurement of Household Inflation Expectations
WÄNDI BRUINE DE BRUIN, SIMON POTTER, ROBERT RICH, GIORGIO TOPA, AND WILBERT VAN DER KLAAUW
FEDERAL RESERVE BANK OF NEW YORK CURRENT ISSUES IN ECONOMICS AND FINANCE, August/September 2010
CONTACT CMD
cmd@ny.frb.org
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