TAILIEUCHUNG - The Role of Savings and Wealth in Reducing ―Wilt‖ between Expectations and College Attendance

Australian banks’ conservative lending practices, together with robust supervision by APRA and the Australian economy’s strong performance since the global crisis, have contributed to a low nonperforming loan ratio compared to other advanced countries (Figures 3 and 4). 5 Despite banks’ high exposure to residential mortgages (56 percent of total loans at end-2010), exposure to high-risk mortgages is small, as less than 10 percent of owner-occupiers had mortgages with loan-to-value ratios higher than 80 percent and debt service ratios greater than 30 percent. 6 Moreover, debt is mainly held by higher income households, with households in the top two income quintiles holding. | GEORGE WARREN BROWN SCHOOL OF SOCIAL WORK The Role of Savings and Wealth in Reducing Wilt between Expectations and College Attendance Subsequently published as Elliott W. and Beverly S. 2011 . The role of savings and wealth in reducing wilt between expectations and college attendance. Journal of Children Poverty 17 2 165-185. William Elliott III University of Pittsburgh School of Social Work Sondra Beverly Center for Social Development 2010 CSD Working Papers No. 10-01 Campus Box 1196 One Brookings Drive St. Louis MO 63130-9906 314 WashingtonUniversity in StLouis Reducing Wilt Acknowledgments This publication is part of the College Savings Initiative a research and policy design collaboration between the Center for Social Development at Washington University in St. Louis and the New America Foundation in Washington DC. The College Savings Initiative is supported by the Lumina Foundation for Education and the Bill Melinda Gates Foundation. The authors thank Margaret Clancy Michael Sherraden and Julia Stevens for comments. CENTER FOR SOCIAL DEVELOPMENT WASHINGTON UNIVERSITY IN ST. LOUIS i Reducing Wilt The Role of Savings and Wealth in Reducing Wilt between Expectations and College Attendance Wilt occurs when a young person who expects to attend college while in high school does not attend college shortly after graduating. In this study we find that youth with no account in their own name are more likely to experience wilt than any other group examined. In multivariate analysis youth who expect to graduate from a four-year college and have an account are approximately seven times more likely to attend college than youth who have no account. Youth who expect to graduate from a four-year college and have designated a portion of their savings for college are approximately four times more likely to attend college than youth who have no account. Additionally when savings is taken into account academic achievement is no longer a significant predictor

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