Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/321999 
Erscheinungsjahr: 
2025
Schriftenreihe/Nr.: 
SOEPpapers on Multidisciplinary Panel Data Research No. 1226
Verlag: 
Deutsches Institut für Wirtschaftsforschung (DIW), German Socio-Economic Panel (SOEP), Berlin
Zusammenfassung: 
While the body of literature on the non-take-up of public aid has grown substantially in recent years, a notable gap remains in the literature of non-take-up rates for student aid programs, where research is still extremely limited. This paper examines the non-take-up rate of Germany's federal student aid program BAföG by creating a microsimulation based on data from the German Socio-Economic Panel for the period 2007-2021. Using the outcome of our microsimulation, we estimate three specifications of binary choice models to examine how individual characteristics relate to take-up decisions. Our findings indicate that non-take-up has increased over the past decade, with an average rate of approximately 60% for our study period. Several factors contribute to this pattern. Students who expect only a small award are much more likely to forgo BAföG, while those who are more familiar with the programme, for example through a sibling who has already claimed, tend to have lower non-take-up rates. We also observe notable regional differences as students from East Germany are more likely to apply than those from West Germany, which may reflect differing attitudes toward state support. Age and partnership status are also associated with higher non-take-up, whereas we do not find evidence that behavioural traits such as risk preference, patience, or impulsiveness play a substantial role.
Schlagwörter: 
Non-take-up
Microsimulation
SOEP
Student Aid
Student Loans
BAföG
Education Funding
JEL: 
I22
I23
I24
I38
H53
Dokumentart: 
Working Paper

Datei(en):
Datei
Größe
513.57 kB





Publikationen in EconStor sind urheberrechtlich geschützt.