MARCO TEÓRICO

Akers, Beth, and Matthew Chingos. Game of Loans: The Rhetoric and Realities of Student Debt. Princeton: Princeton University Press, 2016.

Akers, Beth, How Income Share Agreements Could Play a Role in Higher Ed Financing. Washington, D.C.: Brookings Institution, 2014. Accessed October 2017.

https://www.brookings.edu/research/how-income-share-agreements-could-play-a-role-in- higher-ed-financing/.

An act to amend the Higher Education Act of 1965, the Vocational Education Act of 1963, the General Education Provisions Act (creating a National Foundation for Postsecondary Education and a National Institute of Education), the Elementary and Secondary Act of 1965, Public Law 874, Eighty-first Congress, and related Acts, and for other purposes.

Public Law 92-318. U.S. Statutes at Large 86 (1972) 235-381.

https://www.gpo.gov/fdsys/pkg/STATUTE-86/pdf/STATUTE-86-Pg235.pdf (accessed March 2018).

“Back a Boiler Overview,” Purdue Research Foundation, 2016. Accessed December 5, 2017. https://purdue.edu/backaboiler/overview/BackABoiler_Overview_v17.7.pdf.

“Back a Boiler,” Purdue Research Foundation, 2016. Accessed December 5, 2017. https://purdue.edu/backaboiler/index.php.

Baskerville, Lezli and Hugh Fitzpatrick, Privately funded models and public-private

partnerships to promote college promise initiatives. In Millett, Catherine, Designing sustainable funding for college promise initiatives, Princeton, NJ.: Educational Testing

Service, 2017. Accessed March 2018. http://collegepromise.wpengine.com/wp- content/uploads/2017/10/Design-Sustainable-Funding-for-College-Promise.pdf.

Bastiat, Frédéric. Selected Essays on Political Economy (1848). Translated by Seymour Cain. New York: Irvington-on-Hudson, NY: The Foundation for Economic Education, Inc., 1995. Accessed October 2017. http://www.econlib.org/library/Bastiat/basEss.html. Chaparro, Frank. “Investors are paying college students’ tuition – but they want future income in

return,” Business Insider, Published April 8, 2017. Accessed December 5, 2017.

http://www.businessinsider.com/income-share-agreements-help-students-pay-for-college- loan-alternative-2017-3.

“Company Overview of Lumni, Inc.,” Bloomberg. Accessed February 27, 2018.

https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapid=182454184. Congressional Research Service. “Summary: H.R. 11274 – 95th Congress (1977-1978).” U.S.

Congress. Accessed March 2018. https://www.congress.gov/bill/95th-congress/house- bill/11274.

Congressional Research Service. “Summary: H.R. 2055 – 103rd Congress (1993-1994).” U.S. Congress. Accessed March 2018. https://www.congress.gov/bill/103rd-congress/house- bill/2055.

Congressional Research Service. “Summary: H.R. 2669 – 110th Congress (2007-2008).” U.S. Congress. Accessed March 2018. https://www.congress.gov/bill/110th-congress/house- bill/2669.

Congressional Research Service. “Summary: H.R. 4872 – 111th Congress (2009-2010).” U.S. Congress. Accessed March 2018. https://www.congress.gov/bill/111th-congress/house- bill/4872.

Congressional Research Service. “Summary: H.R. 5192 – 96th Congress (1979-1980).” U.S. Congress. Accessed March 2018. https://www.congress.gov/bill/96th-congress/house- bill/5192.

Congressional Research Service. “Summary: S. 1150 – 102nd Congress (1991-1992).” U.S. Congress. Accessed March 2018. https://www.congress.gov/bill/102nd-congress/senate- bill/1150

Congressional Research Service. “Summary: S. 1965 – 99th Congress (1985-1986).” U.S. Congress. Accessed March 2018. https://www.congress.gov/bill/99th-congress/senate- bill/1965.

Delisle, Jason D., Student and Parent Perspectives on Higher Education Financing: Findings

from a Nationally Representative Survey on Income-Share Agreements, Washington,

D.C.: American Enterprise Institute, 2017. Accessed October 2017.

http://www.aei.org/publication/student-and-parent-perspectives-on-higher-education- financing-2/.

Dynarski, Susan, and Daniel Kreisman, Loans for Educational Opportunity: Making Borrowing

Work for Today’s Students. Washington, D.C.: The Hamilton Project, 2013. Accessed

December 2017.

http://www.hamiltonproject.org/papers/loans_for_educational_opportunity. Evans, Brent J., Angela Boatman, and Adela Soliz, “Framing and Labeling Effects in

Preferences for Borrowing: An Experimental Analysis.” (2017). Accessed March 2018. http://www2.cuny.edu/wp-content/uploads/sites/4/page-

assets/about/administration/offices/oira/policy/seminars/Framing-and-Labeling-Effects- in-Preferences-for-Borrowing-for-College-An-Experimental-Analysis.pdf.

“Fastforward Innovations’ Vemo Education reports 141% revenue growth,” StockMarketWire, February 2, 2018. Accessed February 2, 2018.

http://www.stockmarketwire.com/article/5841299/FastForward-Innovations-Vemo- Education-reports-141pct-revenue-growth.html.

Flemming, Arthur S. “The Philosophy and Objectives of The National Defense Education Act.”

The Annals of the American Academy of Political and Social Science 327 (1960): 132-

138. http://www.jstor.org/stable/1033973.

Florio, David H. “The Education Amendments of 1980: National Institute of Education and Higher Education Act Reauthorization.” Educational Researcher 9, no. 10 (1980): 20- 21+27. http://www.jstor.org/stable/1174930.

Friedman, Milton. “The Role of Government in Education.” Economics and Public Interest (1955). 123-144.

http://la.utexas.edu/users/hcleaver/330T/350kPEEFriedmanRoleOfGovttable.pdf. Gjetlen, Tom. “In 1965, A Conservative Tried To Keep America White. His Plan Backfired.”

National Public Radio, Published October 3, 2015. Accessed March 2018.

https://www.npr.org/2015/10/03/445339838/the-unintended-consequences-of-the-1965- immigration-act.

Gladieux, Lawrence E. “Federal Student Aid Policy: A History and an Assessment.” U.S. Department of Education. Published October 1995. Accessed March 2018.

https://www2.ed.gov/offices/OPE/PPI/FinPostSecEd/gladieux.html.

Graham, Arthur Barden. U.S. Congress. House of Representatives. Committee on Education and Labor. National Defense Education Act of 1958: Report (to Accompany H.R. 13427), 85th Cong., 2d sess., 1958.

https://proxy.library.upenn.edu:3779/congressional/docview/t47.d48.12075_h.rp.2157?ac countid=14707. (accessed March 2018).

Hannah, Susan B. “The Higher Education Act of 1992: Skills, Constraints, and the Politics of Higher Education.” The Journal of Higher Education 67, no. 5 (1996): 498-527. http://www.jstor.org/stable/2943866.

Holt, Alexander, Promoting Genuine Competition in Private Financing for Higher Education, Washington, D.C.: The Urban Institute, 2017. Accessed March 2018.

https://www.urban.org/sites/default/files/publication/93331/promoting-genuine- competition.pdf.

Holt, Alexander, Student and Parent Perspectives on Higher Education Financing: Findings

from Focus Groups on Income Share Agreements, Washington, D.C.: American

Enterprise Institute, 2016. Accessed October 2017.

http://www.aei.org/publication/student-and-parent-perspectives-on-higher-education- financing/.

Horn, Michael B. and Amber Laxton, The Future of Student Aid: Advancing New Models to

Expand Access, Improve Quality, and Spur Innovation in Education. San Francisco, CA.:

Entangled Solutions, 2017.

How Did We Get Here: Growth of Federal Student Loans (Part 1). Video. 2014. Washington,

D.C.: Lumina Foundation, 2014. Internet.

Income Share Agreements on Campus: A Practice Guide, Washington, D.C.: American Institutes

for Research, 2015. Accessed March 2018. https://www.air.org/resource/income-share- agreements-campus-practice-guide.

James, Kevin J. and Alexander Holt, New Tools, New Safeguards: Why Traditional Loan

Protections Don’t Work for Income Share Agreements—and What Should Replace Them,

Washington, D.C.: American Enterprise Institute, 2015. Accessed October 2017. http://www.aei.org/publication/new-tools-new-safeguards-why-traditional-loan- protections-dont-work-for-income-share-agreements-and-what-should-replace-them/. James, Kevin J., New Funding, Aligned Incentives: How Private Financing Options Can Foster

Higher Education Innovation, Washington, D.C.: American Enterprise Institute, 2016.

Accessed October 2017. http://www.aei.org/publication/new-funding-aligned-incentives- how-private-financing-options-can-foster-higher-education-innovation/.

Kemp, René and Rifka Weehuizen. Policy Learning: What does it mean and how can we study

it? Oslo: Nifu Step, 2005. Accessed March 2018.

https://brage.bibsys.no/xmlui/bitstream/handle/11250/226561/d15policylearning.pdf?seq uence=1.

Kingdon, John W. Agendas, Alternatives, and Public Policies. 2nd ed. United States: Pearson, 2010.

Locke, John. The Works of John Locke in Nine Volumes, Vol. 4. London: Rivington, 1824. Accessed October 2017. http://oll.libertyfund.org/titles/locke-the-works-of-john-locke- vol-4-economic-writings-and-two-treatises-of-government#lf0128-04_head_002. Massey, Douglas S. and Karen A. Pren. “Unintended Consequences of US Immigration Policy:

Explaining the Post-1965 Surge from Latin America.” Population Development Review 38, no.1 (2012): 1-29.

Merton, Robert K., “The Unanticipated Consequences of Purposive Social Action.” American

Mian, Atif R., and Amir Sufi. “The Effects of Fiscal Stimulus: Evidence from the 2009 ‘Cash for Clunkers’ Program. The Quarterly Journal of Economics (2012): 1107-114. doi:

10.1093/qje/qjs024.

Norton, Rob. “Unintended Consequences.” The Library of Economics and Liberty. Accessed March 2018. http://www.econlib.org/library/Enc/UnintendedConsequences.html.

Oei, Shu-Yi and Diane Ring, “Human Equity? Regulating the New Income Share Agreements.”

Vanderbilt Law Review 68, no. 3 (2015): 681-760.

https://www.vanderbiltlawreview.org/wp-content/uploads/sites/89/2015/05/Human- Equity-Regulating-the-New-Income-Share-Agreements.pdf.

Packer, Travis L. “College Cost Reduction and Access Act: A Good Step, but Only a Step.”

North Carolina Banking Institute 12 (2008): 221-238.

http://scholarship.law.unc.edu/cgi/viewcontent.cgi?article=1240&context=ncbi. Palacios Llera, Miguel, Investing in Human Capital. Cambridge: Cambridge University Press,

2004.

Palacios, Miguel, Tonio DeSorrento, and Andrew P. Kelly, Investing in Value, Sharing Risk:

Financing Higher Education Through Income Share Agreements. Washington, D.C.:

American Enterprise Institute, 2014. Accessed October 2017.

http://www.aei.org/publication/investing-in-value-sharing-risk-financing-higher- education-through-income-share-agreements/.

“Paytronage Launch Event Panel,” Discussion at the Wharton School of the University of Pennsylvania, Philadelphia, PA, February 15, 2018.

Peek, Audrey, Jessica Mason, and Matthew Soldner, How Loan-Averse Young Adults View

Accessed March 2018. https://www.air.org/resource/how-loan-averse-young-adults-view- income-share-agreements.

Perna, Laura W., James Kvaal, and Roman Ruiz. “An Updated Look at Student Loan Debt Repayment and Default.” Penn Wharton Public Policy Initiative Issue Brief 5, no.6 (2017): 1-8.

Perri 6. “When Forethought and Outturn Part: Types of Unanticipated and Unintended Consequences.” In Paradoxes of Modernization: Unintended Consequences of Public

Policy Reform, edited by Helen Margetts, Perri 6, and Christopher Hood. New York:

Oxford University Press, 2010.

Perry, Mark J. “Five examples of the Law of Unintended Consequences.” American Enterprise Institute. Published January 12, 2014. Accessed March 2018.

http://www.aei.org/publication/five-examples-of-the-law-of-unintended-consequences/. Perry, Mark J. “Ten examples of the Law of Unintended Consequences.” American Enterprise

Institute. Published November 19, 2013. Accessed March 2018.

http://www.aei.org/publication/ten-examples-of-the-law-of-unintended-consequences/. “Promoting Affordability and Accountability in the U.S. Higher Education System,” Discussion

at the Bipartisan Policy Center, Washington, D.C., June 20, 2017.

Rustin IV, Dowse B. (Brad), Neil E. Grayson, and Kiersty M. DeGroote, Pricing Without

Discrimination: Alternative Student Loan Pricing, Income-Share Agreements, and the Equal Credit Opportunity Act, Washington, D.C.: American Enterprise Institute, 2017.

Accessed October 2017. http://www.aei.org/publication/pricing-without-discrimination- alternative-student-loan-pricing-income-share-agreements-and-the-equal-credit-

Schwartz, Elaine. “An Economics Tool Kit: Unintended Consequences.” EconLife, Published October 12, 2012. Accessed March 2018. https://econlife.com/2012/10/an-economics- tool-kit-unintended-consequences-of-cash-for-clunkers/.

Searching for the Best Deal: How Students and Their Parents View Income Share Agreements,

Washington, D.C.: American Institutes for Research, 2016. Accessed March 2018. https://www.air.org/resource/searching-best-deal-how-students-and-their-parents-view- income-share-agreements.

Smith, Adam. An Inquiry into the Nature and Causes of the Wealth of Nations (1776), Edited by Edwin Cannan. London: Methuen & Co., 1904. Accessed October 2017.

http://www.econlib.org/library/Smith/smWN13.html.

Stroh, David Peter. Systems Thinking for Social Change: A Practical Guide to Solving Complex

Problems, Avoiding Unintended Consequences, and Achieving Lasting Results. White

River Junction: Chelsea Green Publishing, 2015.

The Future of Undergraduate Education, The Future of America. Cambridge, MA: American

Academy of Arts & Sciences, 2017. Accessed March 2018.

https://www.amacad.org/content/Research/researchproject.aspx?i=21999.

The Potential Market for Income Share Agreements Among Low-Income Undergraduates: An Issue Brief for Policymakers and Advocates, Washington, D.C.: American Institutes for

Research, 2015. Accessed March 2018. https://www.air.org/resource/potential-market- income-share-agreements-among-low-income-undergraduates-issue-brief.

Types of Federal Student Aid. Video. 2012. Washington, D.C.: Federal Student Aid, 2012.

Tyszko, Jason A. and Robert G. Sheetz, The Opportunity Project: A New Social Contract For A

Changing World. Washington, D.C.: U.S. Chamber of Commerce Foundation, 2017.

Accessed March 2018. https://www.uschamberfoundation.org/reports/opportunity- project.

U.S. Congress. House of Representatives. Committee on Education and Labor, Middle Income Student Assistance Act (to Accompany H.R. 12274). 1978.

https://eric.ed.gov/?id=ED153539 (accessed March 2018).

U.S. Congress. House of Representatives. H.R. 3145. 115th Cong., 1st sess., 2017.

https://www.congress.gov/115/bills/hr3145/BILLS-115hr3145ih.pdf (accessed March 2018).

U.S. Congress. Senate. S. 268. 115th Cong., 1st sess., 2017.

https://www.congress.gov/115/bills/s268/BILLS-115s268is.pdf (accessed March 2018). U.S. Dept. of Health, Education, and Welfare, Office of Education. Higher education act of 1965

outlined by title. Washington, D.C. https://hdl.handle.net/2027/umn.31951d03547614a (accessed March 2018).

U.S. Library of Congress. Congressional Research Service. A Primer on the Higher Education

Act, by Charmaine Mercer and Rebecca R. Skinner. RL34214. 2007.

https://proxy.library.upenn.edu:3779/congressional/docview/t21.d22.crs-2007-dsp- 0789?accountid=14707 (accessed March 2018).

U.S. Library of Congress. Congressional Research Service. The Higher Education Act (HEA): A

Primer, by Alexandra Hegji. R43351. 2014.

“Understanding Repayment – Repayment Plans,” Federal Student Aid. Accessed March 2018. https://studentaid.ed.gov/sa/repay-loans/understand/plans.

West, E. G. “The Yale Tuition Postponement Plan in the Mid-Seventies,” Higher Education 5, no. 2 (1976): 169-175.

Wildavsky, Aaron B. Speaking Truth to Power: The Art and Craft of Policy Analysis. Boston: Little Brown & Company, 1979.