New Podcast Episode: What the Data Says About Federal Student Loans

Student debt is back at record highs, but the headline number does not tell the full story. In the latest episode of In the Tranches of Structured Finance, Vadim Verkhoglyad breaks down dv01’s latest research on the federal student loan market and what the data reveals about the forces reshaping borrower balances and repayment outcomes.

Key Topics

• Borrowers over 50 have seen balances grow 55% over the past six years, even as younger borrowers’ balances decline
• Just 7% of borrowers hold 50% of all outstanding student debt
• Recent growth appears to be driven largely by accrued interest in income-driven repayment plans, not new borrowing
• Graduate and professional programs account for more than 35% of outstanding debt despite representing a relatively small share of borrowers

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About the dv01 Podcast

dv01's In The Tranches of Structured Finance podcast explores macroeconomic trends, sector performance, and the future of capital markets. As a leading market intelligence company in structured credit, dv01 provides transparency and actionable insights through loan-level data and research.