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This section addresses go here two key research concerns: the financial impacts of student debt under the status quo and horizon credit union loan payment potential effects of the Biden horizon credit union loan payment plan. All results are for the household level. The analysis starts by quantifying the prevalence and level of student debt among current and future Social Security beneficiaries, their delinquency rates, and racial disparities.

It then estimates the potential financial consequences of benefit withholding. Debt Indicators. Only a small proportion this web page current beneficiaries - less than 5 percent in every race - have student loan debt, but this share is expected to be substantially higher for future beneficiaries see Figure 1.

And both current and future Black beneficiaries are more likely to hold student debt than White ones 16 Other racial subgroups e.