Characteristics of Undergraduate Borrowers: 1999–2000

Using the 1999–2000 National Postsecondary Student Aid Study (NPSAS:2000), this report describes the population of undergraduate students who borrowed to help finance college attendance in 1999–2000. Two sets of borrower groups were considered: 1) high, medium, low, and nonborrowers as defined by borrowing from all sources; and 2) Stafford loan maximum borrowers (total, subsidized, and unsubsidized), less-than-maximum borrowers, and Stafford nonborrowers. The report describes the demographic and enrollment characteristics of these borrowers as well as their risk for not persisting to completion of an educational program and the various types of loans and other financial aid they received. The report also considers all borrowers as a group and explores the likelihood of borrowers with certain characteristics obtaining particular types of financial aid.

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