As China moved from elite to mass higher education, student borrowers as the product of state intervention have surged. Yet little attention has been paid to their voices. This study conducts reflexive thematic analysis with a qualitative inquiry into lived experiences of 41 current borrowers. A five-factor typology of debt attitudes yields a dynamic explanation of debt and repayment complexities. Students perceive borrowing as an investment in human and social capital. They are, however, cautious of consumer credit. Far from being a deterrent or added burden, educational indebtedness grants them a measure of freedom and autonomy in college. And they consider debt repayment manageable, mainly if a family safety net exists.
{"title":"Understanding Undergraduate Student Borrowing in China: A Qualitative Analysis","authors":"Hanwen Zhang","doi":"10.55504/0884-9153.1813","DOIUrl":"https://doi.org/10.55504/0884-9153.1813","url":null,"abstract":"As China moved from elite to mass higher education, student borrowers as the product of state intervention have surged. Yet little attention has been paid to their voices. This study conducts reflexive thematic analysis with a qualitative inquiry into lived experiences of 41 current borrowers. A five-factor typology of debt attitudes yields a dynamic explanation of debt and repayment complexities. Students perceive borrowing as an investment in human and social capital. They are, however, cautious of consumer credit. Far from being a deterrent or added burden, educational indebtedness grants them a measure of freedom and autonomy in college. And they consider debt repayment manageable, mainly if a family safety net exists.","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"98 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76345738","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Gender and Loans: Understanding Differences in Student Debt Burden","authors":"Rong Chen, Katie N. Smith","doi":"10.55504/0884-9153.1812","DOIUrl":"https://doi.org/10.55504/0884-9153.1812","url":null,"abstract":"","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"71 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80625023","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Students’ access to family help with paying for college tuition and living expenses varies by family resources, structures, and relationships, and can affect later outcomes and the extent to which students rely on various forms of financial aid. This study analyzes an originally collected dataset at two regional public four-year universities in the United States (N=2,979) to examine how families and relationships are related to how students pay for college expenses. Differences in payment methods are examined by students’ family structure, including their cohabitation, marital, and parenthood status; family backgroun d including parents’ education, marital status and loan status; and relationships with families, including whether students liv ed with their families of origin, sentiments about asking parents for money, and closeness with parents. Differences by race, gender, age and region are also examined. Families helped 51% of students in the sample pay for college tuition, and almost 70% of students had family help with paying for living expenses. Payment methods for college differed by all variables examined. Potential explanations for findings related to inequalities in access to family financial resources, social norms about providing family help to certain types of students, and role expectations associated with family structure and age are discussed.
{"title":"Families, Relationships and Paying for College","authors":"Arielle Kuperberg","doi":"10.55504/0884-9153.1768","DOIUrl":"https://doi.org/10.55504/0884-9153.1768","url":null,"abstract":"Students’ access to family help with paying for college tuition and living expenses varies by family resources, structures, and relationships, and can affect later outcomes and the extent to which students rely on various forms of financial aid. This study analyzes an originally collected dataset at two regional public four-year universities in the United States (N=2,979) to examine how families and relationships are related to how students pay for college expenses. Differences in payment methods are examined by students’ family structure, including their cohabitation, marital, and parenthood status; family backgroun d including parents’ education, marital status and loan status; and relationships with families, including whether students liv ed with their families of origin, sentiments about asking parents for money, and closeness with parents. Differences by race, gender, age and region are also examined. Families helped 51% of students in the sample pay for college tuition, and almost 70% of students had family help with paying for living expenses. Payment methods for college differed by all variables examined. Potential explanations for findings related to inequalities in access to family financial resources, social norms about providing family help to certain types of students, and role expectations associated with family structure and age are discussed.","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"32 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81407871","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This research brief uses publicly available data from the 2016/2017 Baccalaureate and Beyond survey to examine individual and institutional predictors of participation in paid and unpaid internships, especially family income. When controlling for other factors, results showed that low-income students were more likely to have unpaid internships than high-income students. Attending a highly selective institution was the strongest predictor of participating in a paid internship. Results inspire questions about the accessibility of paid internships, especially for students in non-STEM majors and other students from marginalized groups.
{"title":"Undergraduate Participation in Paid and Unpaid Internships by Income Level","authors":"Katie N. Smith","doi":"10.55504/0884-9153.1774","DOIUrl":"https://doi.org/10.55504/0884-9153.1774","url":null,"abstract":"This research brief uses publicly available data from the 2016/2017 Baccalaureate and Beyond survey to examine individual and institutional predictors of participation in paid and unpaid internships, especially family income. When controlling for other factors, results showed that low-income students were more likely to have unpaid internships than high-income students. Attending a highly selective institution was the strongest predictor of participating in a paid internship. Results inspire questions about the accessibility of paid internships, especially for students in non-STEM majors and other students from marginalized groups.","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"5 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73279090","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
In this paper, we examine college graduates’ perceptions of entering student loan repayment and how they navigated this process. Findings highlight the importance of helping students make informed borrowing decisions, particularly as they begin repaying their student loan debt. Policy makers wishing to hold institutions accountable for keeping college affordable while enhancing financial aid policy will gain further insight.
{"title":"Indebted to My Education: Examining College Graduates’ Perceptions of Student Loan Repayment","authors":"Vincent D. Carales, Mauricio Molina","doi":"10.55504/0884-9153.1773","DOIUrl":"https://doi.org/10.55504/0884-9153.1773","url":null,"abstract":"In this paper, we examine college graduates’ perceptions of entering student loan repayment and how they navigated this process. Findings highlight the importance of helping students make informed borrowing decisions, particularly as they begin repaying their student loan debt. Policy makers wishing to hold institutions accountable for keeping college affordable while enhancing financial aid policy will gain further insight.","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"5 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2023-03-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78486724","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
1 Decades of research related to the experience of postsecondary students who are adults, work full-time, or have other life roles have not led to agreement in the field regarding who is a “nontraditional” college student. This study leverages nationally representative data to illuminate shifts in this student population in the 21 st century and builds a picture of their demographics, financial aid receipt, and academic experiences. Our results suggest that, in order to capture the diversity of the 21 st century students and ubiquity of students with multiple life roles, we need to carefully define this student population; the use of the term “neotraditional” would better capture the centr al place of students with varying life circumstances in contemporary higher education. Our descriptive analyses illuminate the implications of different definitions of neotraditionality, the landscape of neotraditional student enrollment, differences in aid receipts, and changes among this population in the past two decades. We discuss the importance of how researchers, practitioners, and policymakers define this student population and the implications of such definitions for serving this population in higher education.
{"title":"Constructing a clear definition of neotraditional students and illuminating their financial aid, academic, and non-academic experiences and outcomes in the 21st century","authors":"Tuan D. Nguyen, Jenna W. Kramer","doi":"10.55504/0884-9153.1766","DOIUrl":"https://doi.org/10.55504/0884-9153.1766","url":null,"abstract":"1 Decades of research related to the experience of postsecondary students who are adults, work full-time, or have other life roles have not led to agreement in the field regarding who is a “nontraditional” college student. This study leverages nationally representative data to illuminate shifts in this student population in the 21 st century and builds a picture of their demographics, financial aid receipt, and academic experiences. Our results suggest that, in order to capture the diversity of the 21 st century students and ubiquity of students with multiple life roles, we need to carefully define this student population; the use of the term “neotraditional” would better capture the centr al place of students with varying life circumstances in contemporary higher education. Our descriptive analyses illuminate the implications of different definitions of neotraditionality, the landscape of neotraditional student enrollment, differences in aid receipts, and changes among this population in the past two decades. We discuss the importance of how researchers, practitioners, and policymakers define this student population and the implications of such definitions for serving this population in higher education.","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"60 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2023-03-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89388699","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Z. Taylor, E. Rainey, C. Charran, G. Holthaus, Linda Eguiluz, Ada Horne, Myra Francisco, Karla Weber-Wandel
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{"title":"Talk Debt to Me: An Applied Linguistics Approach to Exploring College Student Preferences for Student Loan Debt Letters","authors":"Z. Taylor, E. Rainey, C. Charran, G. Holthaus, Linda Eguiluz, Ada Horne, Myra Francisco, Karla Weber-Wandel","doi":"10.55504/0884-9153.1759","DOIUrl":"https://doi.org/10.55504/0884-9153.1759","url":null,"abstract":",","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"5 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2023-03-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75199632","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Effect of Loan Debt on Graduation by Department: a Bayesian Hierarchical Approach","authors":"Chuanzi Cai, Adam J. Fleischhacker","doi":"10.55504/0884-9153.1735","DOIUrl":"https://doi.org/10.55504/0884-9153.1735","url":null,"abstract":"","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"124 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2022-09-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75381570","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Predicting International Student Enrollment by Institutional Aid: A Random and Fixed Effects Approach","authors":"Daniel C Posmik","doi":"10.55504/0884-9153.1802","DOIUrl":"https://doi.org/10.55504/0884-9153.1802","url":null,"abstract":"","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"71 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2022-09-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72664796","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Angela Bell, Leslie Hodges, D. Rubin, Coryn Shiflet
{"title":"Need-Based Aid, Participation in Education Abroad, and Program Type Choice","authors":"Angela Bell, Leslie Hodges, D. Rubin, Coryn Shiflet","doi":"10.55504/0884-9153.1797","DOIUrl":"https://doi.org/10.55504/0884-9153.1797","url":null,"abstract":"","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"2 1","pages":""},"PeriodicalIF":0.8,"publicationDate":"2022-09-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81547404","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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