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Papers on “student loan debt burden outcomes”

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1. Debt burden after college: the effect of student loan debt on graduates’ employment, additional schooling, family formation, and home ownership

   Erin Velez, Melissa Cominole, Alexander Bentz · 2019 · Education Economics · 44 cites

2. Crushing Debt or Savvy Strategy? Financial Literacy and Student Perceptions of their Student Loan Debt

   Gail Markle · 2019 · Journal of Student Financial Aid · 14 cites

   Almost three quarters of American college students use loans to fund their college education, although according to public discourse student debt is a critical problem. Grounded in social reproduction theory and consumer socialization theory this study examines the influence of financial literacy on students’ college financing decisions, perceptions of student loan debt, and education-related behavior. A sample of 429 undergraduate students selected using systematic cluster sampling from a large public university in the southeast completed a survey containing closed and open ended questions. Participants reported moderate levels of financial literacy (72.3%) and student loan awareness (62.7%

3. Understanding Loan Use and Debt Burden Among Low-income and Minority Students at a Large Urban Community College

   Maria Luna-Torres, Lyle McKinney, Catherine Horn, et al. · 2018 · Journal of Student Financial Aid · 6 cites

   This study examined a sample of community college students from a diverse, large urban community college system in Texas. To gain a deeper understanding about the effects of background characteristics on student borrowing behaviors and enrollment outcomes, the study employed descriptive statistics and regression techniques to examine two separate samples of students consisting of 1) loan recipients and 2) non-loan recipients. Chen’s heterogeneous research model served as the conceptual framework in the selection of predictors of interest and outcome variables. This study primarily focused on the relationship between borrowing and enrollment outcomes of low-income and racially/ethnically dive

4. How Much Student Loan Debt Is Too Much?

   Keith Greiner · 1996 · Journal of Student Financial Aid · 6 cites

   Student loan debt may be too burdensome for some college graduates. This paper updates the definition of debt burden based on the perception of borrowers and on federal Department of Housing and Urban Development recommended debt level. The results of a survey of Iowa borrowers suggest that about 74% have manageable debt, while 26% have an excessive debt burden. Nevertheless only about 7% can be expected to default. Those with an excessive debt burden may not be in danger of default because of a variety of available repayment strategies.

5. Perspectives on Student Loan Debt Levels: Student Loan Debt Levels and Their Implications for Borrowers, Society, and the Economy

   Luke M. Cornelius, Sharon A. Frank · 2015 · Educational Considerations · 5 cites

6. Financing Higher Education through Student Loans: An Examination of Student Loan Take up and the Debt Burden among Ghanaian Tertiary Students

   Stanley K Dary, Harvey S. James · 2019 · International Journal of African Higher Education · 2 cites

   This article examines the factors influencing demand for student loans from Ghana’s Student Loan Trust Fund (SLTF) and the loan debt burden at completion using a sample of 400 final-year students in two higher education institutions in the country’s Upper West Region. The results show that both the loan take-up rate and the loan debt burden among students are relatively low. Demand for student loans and the loan debt burden is modeled as probit and Tobit (left censored), respectively. The results reveal that student age, household size, parents’ occupation, salary, number of income sources, and the length of the study programme play a significant role in explaining the demand for student loa

7. Addressing the burden of student loan debt: A case-based review of influencing considerations

   Elisa M Greene, W Nathan Greene, William L Greene · 2021 · American Journal of Health-System Pharmacy · 2 cites

   Abstract Purpose The following review is offered as an aid for encouraging deeper understanding by pharmacy graduates of approaches to debt management. Summary The phenomenon of growing debt for pharmacists and other professionals has been well described. Significant debt is widespread with both pharmacy students and graduates; a recent study described the debt-to-income ratio for pharmacists to have risen by 141% between 2010 and 2016. This increasing debt burden causes significant pressure for these individuals—whether while in training, early in their career, or, increas

8. Study shows student loan debt burden 4 years after graduation

   Joan Hope · 2017 · The Successful Registrar

   About 72 percent of students who graduated with bachelor's degrees in 2007–08 borrowed money to pay for either their undergraduate or graduate education, reports the National Center for Education Statistics Institute of Education Sciences. The Debt Burden of Bachelor's Degree Recipients, a new NCES report, examined the debt these students carried four years after graduation.