<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="6.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Avery, Christoper</style></author><author><style face="normal" font="default" size="100%">Turner, Sarah</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Student Loans: Do College Students Borrow Too Much -- Or Not Enough?</style></title><secondary-title><style face="normal" font="default" size="100%">Journal of Economic Perspectives</style></secondary-title></titles><keywords><keyword><style  face="normal" font="default" size="100%">!G-Fair</style></keyword><keyword><style  face="normal" font="default" size="100%">~201</style></keyword><keyword><style  face="normal" font="default" size="100%">~203</style></keyword></keywords><dates><year><style  face="normal" font="default" size="100%">2012</style></year><pub-dates><date><style  face="normal" font="default" size="100%">2012///</style></date></pub-dates></dates><urls><web-urls><url><style face="normal" font="default" size="100%">http://pubs.aeaweb.org/doi/pdfplus/10.1257/jep.26.1.165</style></url></web-urls></urls><language><style face="normal" font="default" size="100%">eng</style></language><abstract><style face="normal" font="default" size="100%">&quot;From a financial perspective, enrolling in college is equivalent to signing up for a lottery with large expected gains -- indeed, the figures presented here suggest that college is, on average, a better investment today than it was a generation ago -- but it is also a lottery with significant probabilities of both larger positive, and smaller or even negative, returns. We look to available -- albeit limited -- evidence to assess which types of students are likely to be borrowing too much or too little.&quot; -- from Abstract</style></abstract></record></records></xml>