Debt, cohabitation, and marriage in young adulthood.

Debt, cohabitation, and marriage in young adulthood.
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DOI:
10.1007/s13524-014-0333-6
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发表时间:
2014-10
期刊:
影响因子:
3.5
通讯作者:
Addo FR
Addo FR
中科院分区:
法学1区
文献类型:
--
作者:
Addo FR

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尽管越来越多的证据表明,债务影响关键的生活事件在早期和年轻的成年人,债务的作用在家庭生活中的年轻人得到了相对较少的关注。使用NLSY 1997年队列(N = 6,749)的数据和离散时间竞争风险危害模型框架,我测试向第一次结合的过渡是否受到年轻人信用卡和教育贷款债务的影响,超出了传统的教育和劳动力市场特征。我发现,信用卡债务与男女同居呈正相关,有教育贷款债务的女性比没有这种债务的女性更有可能推迟婚姻和过渡到同居。单身生活可能难以负担,但婚姻生活也是负担不起的。同居是单身生活的另一种选择,但不一定是这些年轻人的婚姻替代品。
Despite growing evidence that debt influences pivotal life events in early and young adulthood, the role of debt in the familial lives of young adults has received relatively little attention. Using data from the NLSY 1997 cohort (N = 6,749) and a discrete-time competing risks hazard model framework, I test whether the transition to first union is influenced by a young adult’s credit card and education loan debt above and beyond traditional educational and labor market characteristics. I find that credit card debt is positively associated with cohabitation for men and women, and that women with education loan debt are more likely than women without such debt to delay marriage and transition into cohabitation. Single life may be difficult to afford, but marital life is unaffordable as well. Cohabitation presents an alternative to single life, but not necessarily a marital substitute for these young adults.
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