Jf. Volkwein et al., FACTORS ASSOCIATED WITH STUDENT LOAN DEFAULT AMONG DIFFERENT RACIAL AND ETHNIC-GROUPS, The Journal of higher education, 69(2), 1998, pp. 206
Borrowers with similar earned degrees, marital status, and number of d
ependent children exhibit similar levels of income and loan default, r
egardless of race or ethnic group. Our research suggests that campuses
can best assist their student borrowers by promoting good academic pe
rformance and student degree completion and disputes the national poli
cy that holds institutions rather than individuals accountable for def
ault behavior resulting from factors that are beyond campus control.