Details about Lorraine Dearden

Access statistics for papers by Lorraine Dearden.

Last updated 2023-01-13. Update your information in the RePEc Author Service.

Short-id: pde444

Working Papers

2021

1. How much does degree choice matter?
   IFS Working Papers, Institute for Fiscal Studies View citations (2)
   See also Journal Article How much does degree choice matter?, Labour Economics, Elsevier (2022) View citations (2) (2022)

2019

2. The US college loans system: lessons from Australia and England
   LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library View citations (26)
   See also Journal Article The US college loans system: Lessons from Australia and England, Economics of Education Review, Elsevier (2019) View citations (29) (2019)

2018

3. Reflections on the US College Loans System: Lessons from Australia and England
   IZA Discussion Papers, Institute of Labor Economics (IZA) View citations (2)
   Also in CAMA Working Papers, Centre for Applied Macroeconomic Analysis, Crawford School of Public Policy, The Australian National University (2018) View citations (2)
4. Reflections on the US College Loans System: Lessons from Australia and EnglandAbstract: There is wide agreement the US student loan system faces significant problems. Seven million borrowers are in default and many more experience non-repayment. The stress of repayments faced by many students results at least in part from the design of US student loans. Specifically, loans are organised like a mortgage, with fixed monthly repayments over a fixed period of time, creating a high repayment burden on borrowers with low income. This paper draws on the experience of the income-contingent loan (ICL) systems operating in England and Australia, in which monthly repayments are related to the borrower's monthly income. By design, those systems explicitly include insurance against problems of repayment during periods of low income. We discuss the design of this type of loan in detail since such an exercise seems to be largely absent in the US literature. Drawing on data from the US Current Population Survey (CPS) we provide two main empirical contributions. - A stylised illustration of the revenue and distributional implications of different hypothetical ICL arrangements for the USA; and - An illustration of repayment problems faced by low-earning borrowers in the US loan system, including a plausible example of adverse outcomes in the Stafford loan. Importantly, we compare repayment burdens under the existing and alternative systems. Our illustrations show how US mortgage-style loans can create financial difficulties for a significant minority of US borrowers, difficulties which a well-designed ICL has significant potential to address
   DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London

2017

5. Getting student loans right in Japan: problems and possible solutions
   Discussion Paper Series, Institute of Economic Research, Hitotsubashi University

2016

6. How English domiciled graduate earnings vary with gender, institution attended, subject and socio-economic background
   IFS Working Papers, Institute for Fiscal Studies View citations (23)

2014

7. Money for nothing: estimating the impact of student aid on participation in higher education
   LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library View citations (24)
   Also in DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London (2013) View citations (5)
   See also Journal Article Money for nothing: Estimating the impact of student aid on participation in higher education, Economics of Education Review, Elsevier (2014) View citations (29) (2014)

2013

8. Identifying the drivers of month of birth differences in educational attainment
   IFS Working Papers, Institute for Fiscal Studies View citations (3)
   Also in DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London (2013) View citations (2)
9. The drivers of month of birth differences in children's cognitive and non-cognitive skills: a regression discontinuity analysis
   IFS Working Papers, Institute for Fiscal Studies View citations (1)
   Also in DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London (2013) View citations (1)
10. The impact of age within academic year on adult outcomes
    DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London View citations (5)
    Also in IFS Working Papers, Institute for Fiscal Studies (2013) View citations (5)

2011

11. Measuring school value added with administrative data: the problem of missing variables
    DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London View citations (10)
    See also Journal Article Measuring School Value Added with Administrative Data: The Problem of Missing Variables, Fiscal Studies, Institute for Fiscal Studies (2011) View citations (10) (2011)
12. The Effectiveness of English Secondary Schools for Pupils of Different Ability Levels
    IZA Discussion Papers, Institute of Labor Economics (IZA) View citations (7)
    Also in DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London (2011) View citations (7)
    See also Journal Article The Effectiveness of English Secondary Schools for Pupils of Different Ability Levels, Fiscal Studies, Institute for Fiscal Studies (2011) View citations (7) (2011)
13. The Impact of Tuition Fees and Support on University Participation in the UK
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (26)
    Also in IFS Working Papers, Institute for Fiscal Studies (2011) View citations (25)
14. The socio-economic gradient in early child outcomes: evidence from the Millennium Cohort Study
    IFS Working Papers, Institute for Fiscal Studies View citations (20)

2010

15. Administrative Data and Economic Policy Evaluation
    DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London
    See also Journal Article Administrative Data and Economic Policy Evaluation, The Economic Record, The Economic Society of Australia (2010) (2010)
16. Ethnic parity in labour market outcomes for benefit claimants in Great Britain
    DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London View citations (1)
17. The demand for private schooling in England: the impact of price and quality
    IFS Working Papers, Institute for Fiscal Studies View citations (4)
18. What determines private school choice? a comparison between the UK and Australia
    IFS Working Papers, Institute for Fiscal Studies View citations (1)
19. When you are born matters: the impact of date of birth on educational outcomes in England
    IFS Working Papers, Institute for Fiscal Studies View citations (76)
    Also in DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London (2010) View citations (75)
20. Widening Participation in Higher Education: Analysis Using Linked Administrative Data
    IZA Discussion Papers, Institute of Labor Economics (IZA) View citations (17)
    Also in DoQSS Working Papers, Quantitative Social Science - UCL Social Research Institute, University College London (2010) View citations (28)
    IFS Working Papers, Institute for Fiscal Studies (2010) View citations (30)
    See also Journal Article Widening participation in higher education: analysis using linked administrative data, Journal of the Royal Statistical Society Series A, Royal Statistical Society (2013) View citations (80) (2013)

2009

21. Ethnic parity in labour market outcomes for benefit claimants
    IFS Working Papers, Institute for Fiscal Studies
    Also in CEPR Discussion Papers, C.E.P.R. Discussion Papers (2008)

2008

22. The effects of higher education funding reforms on the lifetime incomes of graduates
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (1)

2007

23. Higher education funding reforms in England: the distributional effects and the shifting balance of costs
    IFS Working Papers, Institute for Fiscal Studies View citations (25)
    See also Journal Article Higher Education Funding Reforms in England: The Distributional Effects and the Shifting Balance of Costs, Economic Journal, Royal Economic Society (2008) View citations (34) (2008)
24. When You Are Born Matters: The Imapct of Date of Birth on Child Cognitive Outcomes in England
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (68)

2006

25. Education Subsidies and School Drop-Out Rates
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (2)
    Also in IFS Working Papers, Institute for Fiscal Studies (2005) View citations (28)

2005

26. The Impact of Training on Productivity and Wages: Evidence from British Panel Data
    CEP Discussion Papers, Centre for Economic Performance, LSE View citations (28)
    Also in Economic History Working Papers, London School of Economics and Political Science, Department of Economic History (2005) View citations (21)
    IFS Working Papers, Institute for Fiscal Studies (2005) View citations (17)
    See also Journal Article The Impact of Training on Productivity and Wages: Evidence from British Panel Data*, Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford (2006) View citations (276) (2006)

2004

27. An In-Depth Analysis of the Returns to National Vocational Qualifications Obtained at level 2
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (17)
28. Evaluating the Impact of Education on Earnings in the UK: Models, Methods and Results from the NCDS
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (39)
    Also in LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library (2004) View citations (19)
    IFS Working Papers, Institute for Fiscal Studies (2003) View citations (72)
29. Returns to Education for the Marginal Learner: Evidence from the BCS70
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (13)
30. The Role of Credit Constraints in Educational Choices: Evidence from NCDS and BCS70
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (39)
    Also in LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library (2004) View citations (37)

2001

31. Estimating the Returns to Education: Models, Methods and Results
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (34)

2000

32. The Returns to Academic and Vocational Qualifications in Britain
    CEE Discussion Papers, Centre for the Economics of Education, LSE View citations (99)
    See also Journal Article The Returns to Academic and Vocational Qualifications in Britain, Bulletin of Economic Research, Wiley Blackwell (2002) View citations (72) (2002)
33. The effect of school quality on educational attainment and wages
    IFS Working Papers, Institute for Fiscal Studies View citations (24)
    Also in IFS Working Papers, Institute for Fiscal Studies (1998) View citations (23)
    See also Journal Article The Effect Of School Quality On Educational Attainment And Wages, The Review of Economics and Statistics, MIT Press (2002) View citations (167) (2002)
34. Who Gains when Workers Train? Training and Corporate Productivity in a Panel of British Industries
    CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (86)

1999

35. Qualifications and earnings in Britain: how reliable are conventional OLS estimates of the returns to education?
    IFS Working Papers, Institute for Fiscal Studies View citations (48)

1998

36. Ability, families, education and earnings in Britain
    IFS Working Papers, Institute for Fiscal Studies View citations (24)

1996

37. Intergenerational Mobility in Britain
    CEP Discussion Papers, Centre for Economic Performance, LSE View citations (10)
    Also in IFS Working Papers, Institute for Fiscal Studies (1995) View citations (16)
    See also Journal Article Intergenerational Mobility in Britain, Economic Journal, Royal Economic Society (1997) View citations (241) (1997)

Journal Articles

2022

1. How much does degree choice matter?
   Labour Economics, 2022, 79, (C) View citations (2)
   See also Working Paper How much does degree choice matter?, IFS Working Papers (2021) View citations (2) (2021)
2. Income-contingent loans in higher education financing
   IZA World of Labor, 2022, 227

2019

3. Evaluating and designing student loan systems: An overview of empirical approaches
   Economics of Education Review, 2019, 71, (C), 49-64 View citations (3)
4. Is Improving Access to University Enough? Socio‐Economic Gaps in the Earnings of English Graduates
   Oxford Bulletin of Economics and Statistics, 2019, 81, (2), 328-368 View citations (2)
5. Modelling alternative student loan schemes for Brazil
   Economics of Education Review, 2019, 71, (C), 83-94 View citations (2)
6. Student loans in Japan: Current problems and possible solutions
   Economics of Education Review, 2019, 71, (C), 120-134 View citations (3)
7. The US college loans system: Lessons from Australia and England
   Economics of Education Review, 2019, 71, (C), 32-48 View citations (29)
   See also Working Paper The US college loans system: lessons from Australia and England, LSE Research Online Documents on Economics (2019) View citations (26) (2019)

2017

8. Conceptual and Empirical Issues for Alternative Student Loan Designs: The Significance of Loan Repayment Burdens for the United States
   The ANNALS of the American Academy of Political and Social Science, 2017, 671, (1), 249-268 View citations (5)

2014

9. Money for nothing: Estimating the impact of student aid on participation in higher education
   Economics of Education Review, 2014, 43, (C), 66-78 View citations (29)
   See also Working Paper Money for nothing: estimating the impact of student aid on participation in higher education, LSE Research Online Documents on Economics (2014) View citations (24) (2014)
10. The drivers of month-of-birth differences in children's cognitive and non-cognitive skills
    Journal of the Royal Statistical Society Series A, 2014, 177, (4), 829-860 View citations (60)

2013

11. Widening participation in higher education: analysis using linked administrative data
    Journal of the Royal Statistical Society Series A, 2013, 176, (2), 431-457 View citations (80)
    See also Working Paper Widening Participation in Higher Education: Analysis Using Linked Administrative Data, IZA Discussion Papers (2010) View citations (17) (2010)

2012

12. Higher Education Finance in the UK
    Fiscal Studies, 2012, 33, (1), 73-105 View citations (3)
13. The Distributional Impact of the 2012–13 Higher Education Funding Reforms in England
    Fiscal Studies, 2012, 33, (2), 211-235 View citations (16)

2011

14. Measuring School Value Added with Administrative Data: The Problem of Missing Variables
    Fiscal Studies, 2011, 32, (2), 263-278 View citations (10)
    See also Working Paper Measuring school value added with administrative data: the problem of missing variables, DoQSS Working Papers (2011) View citations (10) (2011)
15. Schools, Markets and League Tables
    Fiscal Studies, 2011, 32, (2), 179-186
16. The Effectiveness of English Secondary Schools for Pupils of Different Ability Levels
    Fiscal Studies, 2011, 32, (2), 225-244 View citations (7)
    See also Working Paper The Effectiveness of English Secondary Schools for Pupils of Different Ability Levels, IZA Discussion Papers (2011) View citations (7) (2011)
17. What Determines Private School Choice? A Comparison between the United Kingdom and Australia
    Australian Economic Review, 2011, 44, (3), 308-320 View citations (6)

2010

18. Administrative Data and Economic Policy Evaluation
    The Economic Record, 2010, 86, (s1), 18-21
    See also Working Paper Administrative Data and Economic Policy Evaluation, DoQSS Working Papers (2010) (2010)

2009

19. Conditional Cash Transfers and School Dropout Rates
    Journal of Human Resources, 2009, 44, (4) View citations (59)

2008

20. Higher Education Funding Reforms in England: The Distributional Effects and the Shifting Balance of Costs
    Economic Journal, 2008, 118, (526), F100-F125 View citations (34)
    Also in Economic Journal, 2008, 118, (526), F100-F125 (2008) View citations (43)
    See also Working Paper Higher education funding reforms in England: the distributional effects and the shifting balance of costs, IFS Working Papers (2007) View citations (25) (2007)

2006

21. Ethnic differences in birth outcomes in England
    Fiscal Studies, 2006, 27, (1), 17-46 View citations (6)
22. The Impact of Training on Productivity and Wages: Evidence from British Panel Data*
    Oxford Bulletin of Economics and Statistics, 2006, 68, (4), 397-421 View citations (276)
    See also Working Paper The Impact of Training on Productivity and Wages: Evidence from British Panel Data, CEP Discussion Papers (2005) View citations (28) (2005)

2005

23. Evaluating the effect of education on earnings: models, methods and results from the National Child Development Survey
    Journal of the Royal Statistical Society Series A, 2005, 168, (3), 473-512 View citations (161)

2002

24. The Effect Of School Quality On Educational Attainment And Wages
    The Review of Economics and Statistics, 2002, 84, (1), 1-20 View citations (167)
    See also Working Paper The effect of school quality on educational attainment and wages, IFS Working Papers (2000) View citations (24) (2000)
25. The Returns to Academic and Vocational Qualifications in Britain
    Bulletin of Economic Research, 2002, 54, (3), 249-74 View citations (72)
    See also Working Paper The Returns to Academic and Vocational Qualifications in Britain, CEE Discussion Papers (2000) View citations (99) (2000)

2000

26. The Returns to Higher Education in Britain: Evidence from a British Cohort
    Economic Journal, 2000, 110, (461), F82-99 View citations (148)

1999

27. Human capital investment: the returns from education and training to the individual, the firm and the economy
    Fiscal Studies, 1999, 20, (1), 1-23 View citations (265)
28. Public Finance, Employment and Labor Markets
    International Tax and Public Finance, 1999, 6, (3), 235-237
29. The effects of families and ability on men's education and earnings in Britain1
    Labour Economics, 1999, 6, (4), 551-567 View citations (33)

1997

30. Intergenerational Mobility in Britain
    Economic Journal, 1997, 107, (440), 47-66 View citations (241)
    See also Working Paper Intergenerational Mobility in Britain, CEP Discussion Papers (1996) View citations (10) (1996)

1996

31. Income support and staying in school: what can we learn from Australia's AUSTUDY experiment?
    Fiscal Studies, 1996, 17, (4), 1-30 View citations (2)

1988

32. Social Security in a "Moral Economy": An Empirical Analysis for Java
    The Review of Economics and Statistics, 1988, 70, (1), 36-44 View citations (92)

Books

2016

1. Family Background and University Success: Differences in Higher Education Access and Outcomes in England
   OUP Catalogue, Oxford University Press View citations (6)