Students' concern about indebtedness: a rank based social norms account
Students' concern about indebtedness: a rank based social norms account
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DOI：
10.1080/03075079.2014.881349
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发表时间：
2015-01-01
影响因子：
4.2
通讯作者：
Brown, Gordon D. A.
中科院分区：
文献类型：
--
作者：
Aldrovandi, Silvio;Wood, Alex M.;Brown, Gordon D. A.
本文描述了一种在基于等级的社会规范框架内学生对债务的关注的新模型。研究 1 发现，学生们对于其他学生在学位结束时将欠多少钱的看法存在很大差异。学生对自己预期债务的担忧，以及他们在学期期间从事兼职工作的意图，最好的预测不是通过预期债务的规模，而是通过他们如何（常常是错误地）相信自己的债务与其他人的债务相比。研究 2 通过实验操纵假设债务金额，发现相同的预期债务在排名第二时的评级比排名第五时的评级高 2.5 倍。研究 3 表明，该模型适用于评估不同类型的债务（收入或有贷款与一般债务）。
This paper describes a new model of students' concern about indebtedness within a rank-based social norms framework. Study 1 found that students hold highly variable beliefs about how much other students will owe at the end of their degree. Students' concern about their own anticipated debt - and their intention of taking on a part-time job during term time - was best predicted not by the size of the anticipated debt, but by how they, often incorrectly, believed their debt ranked amongst that of others. Study 2 manipulated hypothetical debt amounts experimentally and found that the same anticipated debt was rated as 2.5 times more concerning when it ranked as the second highest being considered than when it was the fifth highest. Study 3 demonstrated that the model applies to evaluation of different types of debt (income contingent loans versus general debt).