@TechReport{iza:izadps:dp11142,
            	author={Hämäläinen, Ulla and Koerselman, Kristian and Uusitalo, Roope},
            	title={Graduation Incentives Through Conditional Student Loan Forgiveness},
            	year={2017},
	month={Nov},
            	institution={Institute of Labor Economics (IZA)},
            	address={Bonn},
            	type={IZA Discussion Paper},
            	number={11142},
            	url={https://www.iza.org/publications/dp11142},
	abstract={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.},
	keywords={incentives;student finance;higher education;pace of studies;student loans},
            }