Which U.S. Households Use Education Loans?

Autor/inn/en	Hsu, Chungwen; Fisher, Patti J.
Titel	Which U.S. Households Use Education Loans?
Quelle	In: Journal of Student Financial Aid, 46 (2016) 3, Artikel 5 (16 Seiten) PDF als Volltext (1); PDF als Volltext kostenfreie Datei (2) Verfügbarkeit
Sprache	englisch
Dokumenttyp	gedruckt; online; Zeitschriftenaufsatz
ISSN	0884-9153
Schlagwörter	Student Loan Programs; Family Characteristics; Family Income; Parent Background; Debt (Financial); National Surveys; Predictor Variables; Statistical Surveys; Participant Characteristics; Higher Education; Regression (Statistics) + Suchen Sie Ihr Suchwort? Familieneinkommen; Elternhaus; Prädiktor; Statistische Erhebung; Hochschulbildung; Hochschulsystem; Hochschulwesen; Regression; Regressionsanalyse
Abstract	This empirical study uses the 2013 Survey of Consumer Finances (SCF) to investigate the characteristics of households that hold at least one loan for educational expenses. The benefit of using household-level data is that a single household may have education loans for multiple people in the household, including the household head, spouse/partner, and children. In studies of the education loan debt of individuals, the true effect on households may be overlooked. The present results show that the respondent's age, respondent's marital status, having at least one dependent child under the age of 18, net worth, home ownership, stock ownership, being retired, being Hispanic, and being in the "other" race/ethnicity group each have a negative relationship with the likelihood of holding education loans. In contrast, the respondent's education, having at least one dependent child who is 18-25 years of age, being a female, and being non-Hispanic Black have a positive relationship with the likelihood of holding education loans. (As Provided).
Anmerkungen	National Association of Student Financial Aid Administrators. 1101 Connecticut Avenue NW Suite 1100, Washington, DC 20036. Tel: 202-785-0453; Fax: 202-785-1487; e-mail: membership@nasfaa.org; Web site: http://www.nasfaa.org
Erfasst von	ERIC (Education Resources Information Center), Washington, DC
Update	2020/1/01