The Long-Run Effects of Federal Student Loans on Fertility and Social Mobility by Prof. Yue Hua

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We are delighted to have had Prof. Yue Hua share her insights and research in our recent IRI Lunch Seminar series. Prof. Hua, who obtained her PhD from the University of Minnesota and recently joined IUJ after a research position in Australia, presented her research on evaluating the long-term effects of federal student loans.

 

Using a lifecycle model that incorporates credit constraints, endogenous fertility, and human capital investment, Prof. Hua estimated the model based on U.S. household survey data from the 2000s. Key findings revealed that federal student loans contribute to lower fertility rates but lead to higher college attendance and increased income, with no significant effects on social mobility. The presentation sparked interesting discussions on the potential implications of student loans in emerging markets and developing countries, where contextual differences could yield varied effects on social mobility.

 

 

We look forward to hosting more engaging seminars on a wide range of topics in the future and encourage everyone to participate!

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