Non-take-up of social benefits;
welfare programme participation;
federal student aid;
microsimulation;
behavioural economics;
debt aversion;
HIGHER-EDUCATION STUDENTS;
SOCIAL ASSISTANCE;
TUITION FEES;
BEHAVIOR;
INFORMATION;
ENROLLMENT;
MODEL;
TRANSITION;
COMPLEXITY;
DECISIONS;
D O I:
10.1080/09645292.2018.1490698
中图分类号:
G40 [教育学];
学科分类号:
040101 ;
120403 ;
摘要:
We estimate the percentage of eligible students who do not take up their federal need-based student financial aid entitlements in a microsimulation model for the German Socio-Economic Panel Study 2002-2013. We find that about 40% of the eligible low-income students do not take up their entitlements. Non-take-up is inversely and rather inelastically related to the level of benefits. We investigate possible reasons for non-take-up, accounting for potential sample selection and endogeneity issues; and discuss policy implications.