Who Borrows, and How Much? Student Borrowing across Post-Secondary Pathways in Ontario, Canada

Autor/inn/en	Pizarro Milian, Roger; Einmann, Trisha; Bader, Danielle; Walters, David; Brown, Robert S.; Parekh, Gillian
Titel	Who Borrows, and How Much? Student Borrowing across Post-Secondary Pathways in Ontario, Canada
Quelle	In: Studies in Higher Education, 48 (2023) 3, S.460-474 (15 Seiten)Infoseite zur Zeitschrift PDF als Volltext Verfügbarkeit
Zusatzinformation	ORCID (Pizarro Milian, Roger) ORCID (Parekh, Gillian)
Sprache	englisch
Dokumenttyp	gedruckt; online; Zeitschriftenaufsatz
ISSN	0307-5079
DOI	10.1080/03075079.2022.2145463
Schlagwörter	Foreign Countries; Postsecondary Education; Student Loan Programs; Paying for College; Student Costs; Debt (Financial); College Students; Student Financial Aid; Student Experience; College Transfer Students; Transfer Policy; College Bound Students; College Attendance; Transfer Programs; College Graduates; Program Effectiveness; Canada + Suchen Sie Ihr Suchwort? Ausland; Post-secondary education; Tertiäre Bildung; Studienfinanzierung; Studienkosten; Collegestudent; Finanzielle Beihilfe; Studienförderung; Studienerfahrung; Hochschulwechsel; Schulwechsel; Studienortwechsel; College; Colleges; Attendance; Hochschule; Fachhochschule; Anwesenheit; Hochschulabsolvent; Hochschulabsolventin; Kanada
Abstract	The development of cost-efficient pathways is a topic of increasing political and scholarly interest across many North American jurisdictions. It has been suggested that 'seamless' transfer pathways can provide financial savings to both students and taxpayers. However, such claims are typically based on hypothetical cost calculations, as opposed to empirical analysis. Through this study, we model the relationship between student pathways and borrowing behavior in Ontario, Canada -- the country's most populous province -- using Statistics Canada's novel Education and Labour Market Linkage Platform (ELMLP). Our models produce little evidence that touted transfer pathways systematically reduce either (i) students' propensity to borrow from the Canada Student Loans Program (CSLP), or (ii) the total amount that graduates end up borrowing from the program. We identify the implications of these findings for both policymakers and scholars of social stratification. (As Provided).
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Erfasst von	ERIC (Education Resources Information Center), Washington, DC
Update	2024/1/01