Parental Borrowing for Dependent Children’s Higher Education
Parental Borrowing for Dependent Children’s Higher Education
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父母为受抚养子女接受高等教育而借款
DOI：
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发表时间：
2005
期刊：
影响因子：
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通讯作者：
Laura M. Reynolds
中科院分区：
文献类型：
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作者：
Kyung;Robert O. Weagley;Laura M. Reynolds
使用1992-1993年的学士学位和超越纵向研究，与1997年的后续行动，父母的决定，借款人，借款的水平为依赖子女的大学教育进行了分析。家庭规模较小的父母和那些大学毕业生借了更多的钱。白色父母比非白色父母借的钱多。学生的年龄，受抚养学生的收入和父母的现金和储蓄都对父母借款的金额有显着的负面影响，而房屋净值是一个显着的积极因素。更高的大学费用大大增加了父母的借款决定，以及借款金额。赠款数额的增加大大减少了借款数额。
Using the 1992–1993 Baccalaureate and Beyond Longitudinal Study, with the 1997 follow-up, the parental decision to borrow and, for borrowers, the level of borrowing for dependent children’s college education was analyzed. Parents with smaller household size and those being college graduates borrowed greater amounts. White parents borrowed greater amounts than their non-White counterparts. The age of the student, dependent students’ income and parents’ cash and savings each had a significant negative impact on the amount parents borrowed, while home equity was a significant positive factor. Greater college costs significantly increased parents’ decision to borrow, as well as the borrowed amount. Greater amounts of grants significantly reduced the amount borrowed.