%0 Report
        %A Hämäläinen, Ulla
%A Koerselman, Kristian
%A Uusitalo, Roope
        %T Graduation Incentives Through Conditional Student Loan Forgiveness
        %D 2017
        %8 2017 Nov
        %I Institute of Labor Economics (IZA)
        %C Bonn
        %7 IZA Discussion Paper
        %N 11142
        %U https://www.iza.org/index.php/publications/dp11142
        %X We evaluate a Finnish student financing reform which created substantial financial incentives for on-time graduation, and had the side effect of turning expected nominal interest rates on student loans strongly negative. We find that both the timing of graduation and the take-up of loans remained unaffected by the reform. This is consistent with earlier findings in the literature that students do not seem to process financial incentives well when framed as a loan.
        %K incentives
%K student finance
%K higher education
%K pace of studies
%K student loans