学生债务与入门级体育训练教育教育相关
Gianluca Del Rossi1, Brian Hatzel2
1Creighton University, Phoenix, AZ.
Journal of athletic training
|June 19, 2024
概括
入门级体育教练 (AT) 背负着相当大的学生债务,平均为61,717美元. 高负债率表明这些专业人士面临潜在的财务挑战.
科学领域:
- 运动医学 运动医学
- 卫生经济学 卫生经济学
- 专业教育 专业教育 专业教育
背景情况:
- 高中学生债务给借款人带来了经济负担,影响了个人和职业生活.
- 对于入门级认证体育教练 (AT) 的与教育相关的债务,此前没有数据.
研究的目的:
- 评估完成入门级体育训练学位的个人中学生债务的范围和规模.
- 分析这种债务对职业生涯早期AT的财务影响.
主要方法:
- 一项采用在线网络调查的横截面研究.
- 通过国家运动教练协会向18689名经过认证的AT (2004-2022年认证) 传播调查.
- 收集了关于教育总债务,初始每月还款和计算的债务与收入比率 (DTIR) 的数据.
主要成果:
- 借款的AT的平均学生债务为61,717美元,平均每月首付453美元.
- 与教育相关的平均债务与收入比率 (DTIR) 为169%,超过了推的100%基准.
- 平均每月支付的DTIR为0.144,接近0.15的可接受上限.
结论:
- 入门级的AT表现出与教育相关的高债务与收入比率,这表明潜在的财务压力.
- 每月支付的DTIR价值接近行业建议,进一步表明金融压力.
- 调查结果强调了需要在运动训练专业内解决学生债务问题.
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