TY  - RPRT
        AU  - Hämäläinen, Ulla
AU  - Koerselman, Kristian
AU  - Uusitalo, Roope
        TI  - Graduation Incentives Through Conditional Student Loan Forgiveness
        PY  - 2017/Nov/
        PB  - Institute of Labor Economics (IZA)
        CY  - Bonn
        T2  - IZA Discussion Paper
        IS  - 11142
        UR  - https://www.iza.org/publications/dp11142
        AB  - 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.
        KW  - incentives
KW  - student finance
KW  - higher education
KW  - pace of studies
KW  - student loans
        ER  -