학자금 대출유형 선택의 결정요인 분석

다국어 초록 (Multilingual Abstract)

The purpose of this study is to analyze the characteristics of college student loan users, the determinants of selecting college student loan types, and feasible countermeasures, and to suggest the improvement plan of national student loan system. Based on this intention, we investigated who switched the type of loan from ML(Mortgage-Styled Student Loan) to ICL(Income Contingent Student Loan, also known as Deun-Deun) and who stayed among ML users after ICL’s adopted. For analysis, 82,356 students who met the criteria for applying ICL among college students using loan consecutively 2009-2010 were utilized. Logistic regression model was adopted for analysis.
The results are as follows. Male students, private university students, high graders, high tuition students preferred ML rather than female, public, low graders, low tuition students, respectively. And also, low grading, low income family students have preference on ML. In conclusion, to reduce repayment burden, measures of subsidizing interest for low income family students need to be taken into accounts.

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