To improve outcomes among high-interest borrowers, policymakers need to understand what is driving usage. This second post in MDRC’s Reflections on Methodology series discusses how a data discovery process revealed clusters of borrowers who differed greatly in the kinds of loans and lenders they used and in their loan outcomes.
Results from a Performance-Based Scholarship Experiment
This random assignment study examines the long-term impacts of a program at The University of New Mexico offering low-income first-year students enhanced academic advising and financial aid that is contingent on performance. It finds that the program increased credit hour accumulation during the first two years and graduation rates after five years.
This random assignment study examines the long-term impacts of a community college program offering financial aid that is contingent on academic performance. Focusing on low-income parents, mostly mothers, it finds that the program decreased the time it took students to earn a degree but did not increase employment or earnings.
Seven Years Later
This paper presents the long-term effects of a learning communities program. The program’s positive effect on credit accumulation was maintained for seven years, and there is some evidence that graduation rates increased. Economic outcomes are examined, and sobering reflections on detecting effects on economic outcomes in higher education interventions are presented.
Lessons from Research on Welfare Training Programs and Two Promising Community College Strategies
This working paper, prepared for a conference sponsored by the Federal Reserve Bank of Chicago, reviews what is known about education acquisition by low-wage workers and highlights promising strategies being tested at several community colleges.