Student Debt Forgiveness and Economic Stability, Social Mobility, and Quality-of-Life Decisions: Results from a Survey Experiment

IF 3 Q1 SOCIOLOGY Socius Pub Date : 2023-01-01 DOI:10.1177/23780231231196778
Jason Jabbari, Stephen Roll, Mathieu Despard, Leah Hamilton
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Abstract

As policymakers grapple with whether or not to forgive student debt, for who, and how much, it is important to explore how student debt forgiveness would relate to intended household decisions and behaviors. We conducted a survey experiment that asked participants with student debt to imagine a scenario in which the federal government forgave a certain amount of student debt. We then had these participants report on how this would affect their decisions and behaviors. A total of 1,053 participants were randomly assigned to one of four conditions that featured different levels of student debt forgiveness. Our results indicate that student debt is strongly influencing intended decisions and behaviors that can have large implications for household economic stability (e.g., emergency savings) and social mobility (e.g., saving for a down payment on a home). These results also demonstrate that the amount of student debt forgiveness matters.
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学生债务减免与经济稳定、社会流动性和生活质量决策:一项调查实验的结果
当政策制定者纠结于是否减免学生债务、减免谁的债务以及减免多少时,探索减免学生债务与预期的家庭决策和行为之间的关系是很重要的。我们进行了一项调查实验,要求有学生债务的参与者想象一个场景,在这个场景中,联邦政府免除了一定量的学生债务。然后我们让这些参与者报告这将如何影响他们的决定和行为。共有1053名参与者被随机分配到四种不同的学生债务减免水平的环境中。我们的研究结果表明,学生债务强烈影响着有意的决策和行为,这些决策和行为可能对家庭经济稳定(例如,紧急储蓄)和社会流动性(例如,为房屋首付款而储蓄)产生重大影响。这些结果还表明,学生债务减免的数量很重要。
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来源期刊
Socius
Socius Social Sciences-Social Sciences (all)
CiteScore
5.10
自引率
6.70%
发文量
84
审稿时长
8 weeks
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