在经济大衰退期间,经济压力,种族和学生债务
Elizabeth C Martin1, Rachel E Dwyer1
1Department of Sociology, The Ohio State University.
概括
在经济大衰退期间,学生贷款债务增加了美国家庭的财务压力,特别是黑人和西班牙裔家庭的财务压力. 这凸显了经济衰退期间资助高等教育的风险.
科学领域:
- 经济学 经济学 经济学
- 社会学 社会学 社会学
- 公共政策 公共政策
背景情况:
- 高等教育成本从国家转移到个人责任的转变导致了美国学生贷款债务的上升.
- 学生债务不成比例地影响黑人和西班牙裔家庭.
- 家庭学生贷款负担构成重大财务风险,增加了对经济冲击的脆弱性.
研究的目的:
- 为了检查家庭学生贷款负担和财务压力之间的关系.
- 为了分析这种关系,特别是在大衰退 (2007-2009) 期间.
主要方法:
- 利用了来自消费者金融调查的2007-2009年小组数据.
- 使用回归分析来控制家庭特征和先前的财务压力.
主要成果:
- 在四个关键方面,学生贷款负担和财务压力之间发现了显著的正相关性.
- 与白人家庭相比,持学生贷款的黑人和西班牙裔家庭报告的财务压力要高得多.
- 在考虑到混因素后,这种关联仍然很强大.
结论:
- 家庭学生贷款债务带来了相当大的财务风险,特别是在经济衰退期间.
- 美国资助高等教育体系造成了家庭的脆弱性,经济不稳定加剧了这种脆弱性.
- 需要考虑政策考虑,以解决与学生贷款负担相关的财务风险.
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