McAndrews, James J. and Federal Reserve Bank of New York. "Student Debt and Higher Education Financing: A Public Finance Perspective : Charts : Remarks at the National Association of College and University Business Officers, New York City," Statements and Speeches of James J. McAndrews (February 5, 2015). https://fraser.stlouisfed.org/title/7048/item/635701/content/pdf/frbny_speeches_20150205_mca_charts, accessed on May 10, 2026.