What is this white paper about?

Over the past year, Shur, Equifax, and VantageScore combined forces to analyze and study the experience of 900K student loan borrowers since 2010 — and the effects of the two-year repayment pause and accommodations on America’s 43.4 million borrowers. Our report is an overview of the current economic landscape before and during the current repayment accommodations — which began in early 2020 — examining the short and long-term implications on each generation — from Gen Z to Boomers — to determine how they are affected by student loans in this economy.

The Student Loan Crisis white paper addresses key questions for borrowers and lenders.

• Which groups benefited from COVID accommodations, and who is being left behind?
• Where will the most economic pressure lie — including risk of student loan default — once accommodations are lifted?
• What are the possible long-term repercussions of the uneven impact of student loan accommodations on credit scores across generations?
• How can key stakeholders  help lock in the economic value built up during the COVID moratorium?