An Event History Analysis of Educational Loans and College Graduation: A Focus on Differences by Race and Ethnicity December 26, 2013October 30, 2018 Zhan, M., & Xiang, X. (2013). An event history analysis of educational loans and college graduation: A focus on differences by race and ethnicity (CSD Working Paper No. 13-35). St. Louis, MO: Washington University, Center for Social Development.