Disparities in Debt
Disparities in Debt
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债务差异
DOI：
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发表时间：
2014
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影响因子：
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通讯作者：
Jason N. Houle
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作者：
Jason N. Houle
在一个大学费用不断上涨、助学金停滞不前的时代，许多年轻人依靠父母的资源和学生贷款来支付中学后教育的费用。在这项研究中，我问父母的收入和教育是如何与年轻人的学生贷款债务。我开发和测试两个角度关于家长的收入，家长的教育和学生贷款债务之间的关联的功能形式。我有四个主要发现。首先，父母收入与学生贷款债务之间的关系是非线性的，中等收入家庭的年轻人比低收入和高收入家庭的年轻人有更高的债务风险。其次，受过大学教育和高收入家庭的年轻人相对不会负债。第三，父母的社会经济地位（SES）和债务之间的关联是修改后的中学机构的特点，是最强的私人和高成本的机构。最后，父母的社会经济地位对债务的影响在债务分布中各不相同。父母的社会经济地位是强烈的预测进入债务，但有几个差异的条件进入债务。这表明，债务的社会经济差异主要是由负债的可能性而不是债务人之间的差异驱动的。然而，与他们的同龄人相比，来自低社会经济地位背景的年轻人积累超过全国平均水平的债务负担的风险更高。
In an era of rising college costs and stagnant grant-based student aid, many young adults rely on their parents’ resources and student loans to pay for their postsecondary education. In this study I ask how parents’ income and education are linked to young adults’ student loan debt. I develop and test two perspectives regarding the functional form of the association between parents’ income, parents’ education, and student loan debt. I have four key findings. First, the relationship between parents’ income and student loan debt is nonlinear, such that young adults from middle-income families have a higher risk for debt than do those from low- and high-income families. Second, young adults from college-educated and high-income families are relatively protected from debt. Third, the association between parents’ socioeconomic status (SES) and debt is modified by postsecondary institutional characteristics and is strongest at private and high-cost institutions. Finally, the effect of parents’ SES on debt varies across the debt distribution. Parents’ SES is strongly predictive of entry into debt, but there are few differences conditional on going into debt. This suggests that socioeconomic disparities in debt are primarily driven by the probability of going into debt rather than differences among debtors. However, compared to their more advantaged counterparts, young adults from low-SES backgrounds have a higher risk of accruing debt burdens that exceed the national average.