The U.S. student loan industry is heading toward a potential crisis. About a quarter of outstanding student loan borrowers are behind on their payments, according to both a recent research report by the Federal Reserve Bank of New York, as well as Mintels consumer survey for this report. At the same time, the amount of student loan debt is growing faster than any other consumer loan category. Longer term, the demographics of the U.S. population bode poorly for growth, as the population of 18- to 24-year-olds is expected to shrink, although the prevailing demographic trends may be positive from a credit quality perspective.
This report provides a comprehensive analysis of the U.S. educational loan industry with a particular spotlight on market and profit drivers, the competitive landscape, consumer behavior and attitudes, and the regulatory and legislative environment.
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