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Federal Reserve Bank of San Francisco Economic Education Group
Date last updated: May 22, 2012
Components of Student Loans by major funding category
$0
$20
$40
$60
$80
$100
$120
$7.9
$18.2
$46.1
$39.7
Federal Subsidized Stafford Loans Need-based, subsidized, student-borrowed
Federal Unsubsidized Stafford Loans Not need-based, unsubsidized, student-borrowed
Perkins, PLUS, & Other Federal Loans Perkins: Need-based, subsidized, student-borrowed
PLUS: Non need-based, unsubsidized, student/parent-borrowed
Nonfederal Loans Sponsored by banks, colleges, foundations, state agencies,
student/parent-borrowed
Sources: The College Board & FRBSF Calculations Note: Percentages shown may not sum to 100% due to rounding
http://www.frbsf.org/education/teachers/datapost/index.html FRBSF Economic Education Group
Student Loan Dollars 2010-11 Academic Year
(Constant 2010 Dollars, $billions)
(35%) (41%) (16%) (7%)
$0
$20
$40
$60
$80
$100
$120
2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11
Subsidized Stafford Loans
Unsubsidized Stafford Loans
Perkins, PLUS, Other Federal
Nonfederal Loans
Student Loan Dollars Federal and Non-Federal Loan Programs
(Constant 2010 Dollars, $billions)
http://www.frbsf.org/education/teachers/datapost/index.html FRBSF Economic Education Group
Sources: The College Board, Trends in Student Aid 2011 & FRBSF Calculations
Total Loan Dollars
$0
$20
$40
$60
$80
$100
$120
2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11
Subsidized Stafford Loans
Unsubsidized Stafford Loans
Perkins, PLUS, Other Federal
Nonfederal Loans
Total Loan Dollars
http://www.frbsf.org/education/teachers/datapost/index.html FRBSF Economic Education Group
Sources: The College Board, Trends in Student Aid 2011 & FRBSF Calculations
Annotated Chart Notes Student Loan Dollars
(Constant 2010 Dollars, $billions)
Unsubsidized Stafford Loans were 41% of total in 2010-11
versus 33% in 2000-01
Subsidized Stafford Loans were 35% of total in 2010-11
versus 41% in 2000-01
Nonfederal loans were 12% of total loans in 2008-09
versus 25% in 2007-08
Adjustment for inflation
What do you think?
1. What was the total for Federal Subsidized Stafford Loans in 2010-11? What percentage of 2010-11 total loan dollars did this represent? (See slide 2)
2. What was the approximate value of total student loan dollars in 2008-09? (See slide 3)
3. What has been the trend in total student loan dollars since the 2000-01 academic year? (See slide 3)
4. How has the portion of Federal Unsubsidized Stafford Loan dollars changed since 2007-08? How has the portion of Nonfederal loan dollars since 2007-08? (See slide 4)
