{"id":5719,"date":"2013-06-15T17:02:50","date_gmt":"2013-06-15T21:02:50","guid":{"rendered":"https:\/\/srdc.u7wpdev.com\/project\/predicting-student-loan-delinquency-and-default\/"},"modified":"2023-01-20T12:08:00","modified_gmt":"2023-01-20T17:08:00","slug":"predire-les-retards-et-les-defauts-de-paiement-des-prets-etudiants","status":"publish","type":"project","link":"https:\/\/www.srdc.org\/fr\/project\/predire-les-retards-et-les-defauts-de-paiement-des-prets-etudiants\/","title":{"rendered":"Pr\u00e9dire les retards et les d\u00e9fauts de paiement des pr\u00eats \u00e9tudiants"},"content":{"rendered":"<p>Introduction \u2013 Motivation (1)\u00a0: Les r\u00e9sultats de LAHS-BC sugg\u00e8rent que les \u00e9tudiants ne comprennent peut-\u00eatre pas ad\u00e9quatement les aides financi\u00e8res qui leur sont offertes. Ils ne tiennent pas compte de tous les facteurs lorsqu\u2019ils empruntent de l\u2019argent.<\/p>\n<p>Le Programme canadien de pr\u00eats aux \u00e9tudiants (PCPE) offre un pr\u00eat \u00e9tudiant de type hypoth\u00e9caire (amorti sur une p\u00e9riode apr\u00e8s les \u00e9tudes).<\/p>\n<p>Le taux de d\u00e9faut sur trois ans des cohortes de 2009 et de 2010 \u00e9tait de 9\u00a0% chez les dipl\u00f4m\u00e9s universitaires et de 17\u00a0% chez les dipl\u00f4m\u00e9s coll\u00e9giaux (RHDCC, 2012).<\/p>\n<p>Cons\u00e9quences graves d\u2019un d\u00e9faut de paiement du PCPE\u00a0:<\/p>\n<p>Le pr\u00eat est renvoy\u00e9 \u00e0 l\u2019ARC aux fins de recouvrement de la dette. Dans la plupart des cas, le pr\u00eat ne peut pas \u00eatre annul\u00e9.<\/p>\n<p>L\u2019emprunteur est exclu de tout autre pr\u00eat du PCPE. Acc\u00e8s universel\u00a0: prime de risque uniforme au sein d\u2019une cohorte<\/p>\n<p>Rapport disponible en anglais seulement.<\/p>\n","protected":false},"featured_media":12450,"template":"","capabilities":[263],"populations":[285,287],"publication_types":[336],"publication_themes":[],"policy_area":[292,293,303,310],"class_list":["post-5719","project","type-project","status-publish","has-post-thumbnail","hentry","capabilities-sciences-des-donnees","populations-eleves-etudiants","populations-jeunesse","publication_types-rapport","policy_area-education-postsecondaire","policy_area-apprentissage-des-adultes","policy_area-formation-des-adultes","policy_area-accessibilite-et-persistance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00e9dire les retards et les d\u00e9fauts de paiement des pr\u00eats \u00e9tudiants - SRDC<\/title>\n<meta name=\"description\" content=\"Le Programme canadien de pr\u00eats aux \u00e9tudiants (PCPE) offre un pr\u00eat \u00e9tudiant de type hypoth\u00e9caire (amorti sur une p\u00e9riode apr\u00e8s les \u00e9tudes).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.srdc.org\/fr\/project\/predire-les-retards-et-les-defauts-de-paiement-des-prets-etudiants\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9dire les retards et les d\u00e9fauts de paiement des pr\u00eats \u00e9tudiants - 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