4Susan Dynarski and Judith Scott-Clayton, "Financial Aid Policy : Lessons from Research," The Future of Children, Vol. 23, No. 1, Postsecondary Education in the United States , Spring, 2013, pp. 67-91.
5Hua Shen and Adrian Ziderman, "Student Loans Repayment and Recovery : International Comparisons," Higher Education, Vol. 57, No. 3, 2009, pp. 315-333.
6Goldin, Claudia, and Lawrence Katz, The Race between Education and Technology, Cambridge: Harvard University Press, 2008.
7Christopher Avery and Sarah Turner, "Student Loans: Do College Students Borrow Too Much-Or Not Enough?" The Journal of Eco- nomic Perspectives, Vol. 26, No. 1, 2012, pp. 165-192.
8Christopher Avery and Sarah Turner, "Student Loans: Do College Students Borrow Too Much-Or Not Enough?" The Journal of Eco- nomic Perspectives, Vol. 26, No. 1 , 2012, pp. 165-192.
