{"id":"https://openalex.org/W2913137194","doi":"https://doi.org/10.2139/ssrn.968105","title":"The Exercise of Options Embedded in Norwegian Student Loans","display_name":"The Exercise of Options Embedded in Norwegian Student Loans","publication_year":2007,"publication_date":"2007-01-01","ids":{"openalex":"https://openalex.org/W2913137194","doi":"https://doi.org/10.2139/ssrn.968105","mag":"2913137194"},"language":"en","primary_location":{"id":"doi:10.2139/ssrn.968105","doi":"https://doi.org/10.2139/ssrn.968105","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.968105","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.2139/ssrn.968105","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5079996492","display_name":"Frode Brevik","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I202963720","display_name":"University of St.Gallen","ror":"https://ror.org/0561a3s31","country_code":"CH","type":"education","lineage":["https://openalex.org/I202963720"]}],"countries":["CH"],"is_corresponding":false,"raw_author_name":"Frode Brevik","raw_affiliation_strings":["University of St. Gallen - SEPS: Economics and Political Sciences, Rosenbergstrasse 51, St. Gallen, St. Gallen CH-9000, Switzerland","University of St. Gallen - SEPS: Economics and Political Sciences"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of St. Gallen - SEPS: Economics and Political Sciences, Rosenbergstrasse 51, St. Gallen, St. Gallen CH-9000, Switzerland","institution_ids":["https://openalex.org/I202963720"]},{"raw_affiliation_string":"University of St. Gallen - SEPS: Economics and Political Sciences","institution_ids":["https://openalex.org/I202963720"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5055277300","display_name":"Axel Kind","orcid":"https://orcid.org/0000-0002-5164-1217","observed_orcids":["https://orcid.org/0000-0002-5164-1217"]},"institutions":[{"id":"https://openalex.org/I189712700","display_name":"University of Konstanz","ror":"https://ror.org/0546hnb39","country_code":"DE","type":"education","lineage":["https://openalex.org/I189712700"]}],"countries":["DE"],"is_corresponding":true,"raw_author_name":"Axel H. Kind","raw_affiliation_strings":["University of Konstanz, Universit\u00e4tsstra\u00dfe 10, Konstanz, D-78457, Germany","University of Konstanz"],"raw_orcid":"https://orcid.org/0000-0002-5164-1217","affiliations":[{"raw_affiliation_string":"University of Konstanz, Universit\u00e4tsstra\u00dfe 10, Konstanz, D-78457, Germany","institution_ids":["https://openalex.org/I189712700"]},{"raw_affiliation_string":"University of Konstanz","institution_ids":["https://openalex.org/I189712700"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5055277300"],"corresponding_institution_ids":["https://openalex.org/I189712700"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.7778000235557556,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.7778000235557556,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10067","display_name":"Stochastic processes and financial applications","score":0.0794999971985817,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.06729999929666519,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/student-loans","display_name":"student loans","score":0.8830000162124634},{"id":"https://openalex.org/keywords/embedded-options","display_name":"embedded options","score":0.9509999752044678},{"id":"https://openalex.org/keywords/heuristics","display_name":"heuristics","score":0.7710000276565552},{"id":"https://openalex.org/keywords/behavioral-finance","display_name":"behavioral finance","score":0.5889999866485596},{"id":"https://openalex.org/keywords/suboptimal-decision-making","display_name":"suboptimal decision making","score":0.7329999804496765},{"id":"https://openalex.org/keywords/rational-choice","display_name":"rational choice","score":0.48899999260902405}],"concepts":[{"id":"https://openalex.org/C63428231","wikidata":"https://www.wikidata.org/wiki/Q9043","display_name":"Norwegian","level":2,"score":0.8555839657783508},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5198372006416321},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.33008792996406555},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3243570327758789},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.2139/ssrn.968105","doi":"https://doi.org/10.2139/ssrn.968105","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.968105","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"}],"best_oa_location":{"id":"doi:10.2139/ssrn.968105","doi":"https://doi.org/10.2139/ssrn.968105","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.968105","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":37,"referenced_works":["https://openalex.org/W107661506","https://openalex.org/W202075749","https://openalex.org/W1575658391","https://openalex.org/W1593130155","https://openalex.org/W1963748947","https://openalex.org/W1969282418","https://openalex.org/W1982039177","https://openalex.org/W1983886831","https://openalex.org/W1988697445","https://openalex.org/W2055110381","https://openalex.org/W2060670423","https://openalex.org/W2067228160","https://openalex.org/W2072274284","https://openalex.org/W2076057077","https://openalex.org/W2077441682","https://openalex.org/W2095910323","https://openalex.org/W2108201397","https://openalex.org/W2116630185","https://openalex.org/W2124506982","https://openalex.org/W2124983711","https://openalex.org/W2126311658","https://openalex.org/W2156168464","https://openalex.org/W2163825837","https://openalex.org/W2170444200","https://openalex.org/W2326566858","https://openalex.org/W3121147591","https://openalex.org/W3122152812","https://openalex.org/W3122260906","https://openalex.org/W3122890729","https://openalex.org/W3122935004","https://openalex.org/W3123256822","https://openalex.org/W3123997365","https://openalex.org/W3124550172","https://openalex.org/W3125388642","https://openalex.org/W3125918197","https://openalex.org/W3126080930","https://openalex.org/W4256362471"],"related_works":["https://openalex.org/W7204051241","https://openalex.org/W3160232026","https://openalex.org/W2362612303","https://openalex.org/W3117488929","https://openalex.org/W3048854681","https://openalex.org/W2602357527","https://openalex.org/W2761917463","https://openalex.org/W3136029717","https://openalex.org/W4318714706","https://openalex.org/W2298076142"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2026-10-12T09:40:04.860316","created_date":"2019-02-21T00:00:00"}
