scholarly journals Falling behind: The role of student loans on forgoing healthcare

2021 ◽  
Author(s):  
Michael Babula ◽  
Alp Idil Ersoy‐Babula
Keyword(s):  
Student Loans

“Longer than I Would’ve Originally Liked and Originally Thought”: Postsecondary Debt and Marriage Plans for Young Adults Coming of Age in the Great Recession

2021 ◽  
pp. 073112142110520
Author(s):  
Laura Napolitano ◽  
Patricia Tevington ◽  
Patrick J. Carr ◽  
Maria Kefalas
Keyword(s):  
Young Adults ◽  
Great Recession ◽  
Student Loans ◽  
Coming Of Age ◽  
The United States ◽  
Postsecondary Enrollment ◽  
Marital Partner ◽  
The Great Recession ◽  
Qualitative Work

While student loans play a large role in the financing of higher education, there has been relatively little qualitative work on how young adults understand their debt burdens and the debt’s perceived future impact. We examine this topic utilizing a sample of 105 young people from working-, middle-, and upper middle-class backgrounds who experienced young adulthood during the Great Recession. While most respondents are accepting of debt at the time of postsecondary enrollment, their inability to meet the demands of their debt leads to frustration and anxiety. Further, many respondents are concerned that this debt will impact their ability to support themselves and transition into the role of a marital partner, although this varies across social class backgrounds and debt levels. We argue that this debt, and its corresponding repercussions, are likely to contribute to the continued bifurcation of family life in the United States.

The Role of Federal and Private Student Loans in Homeownership Decisions

2020 ◽  
Vol 54 (1) ◽  
pp. 43-69
Author(s):  
Cliff A. Robb ◽  
Samantha L. Schreiber ◽  
Stuart J. Heckman
Keyword(s):  
Student Loans ◽  
Private Student Loans

scholarly journals THE ROLE OF STUDENT LOANS SUBSIDIZED BY THE STATE IN THE SLOVAK BANKING SECTOR

2018 ◽  
Vol 6 ◽  
pp. 40-45
Author(s):  
Mária Barteková ◽  
Ľudomír Šlahor
Keyword(s):  
Interest Rates ◽  
Banking Sector ◽  
Student Loans ◽  
Student Loan ◽  
The State ◽  
Significant Finding ◽  
Banking Market ◽  
Education Support ◽  
Support Fund

The aim of this paper is to analyse student loans subsidized by the state in Slovakia and their role in the Slovak banking sector. There has been a slight increase in the Slovak banking market, especially the share of small and medium-sized banks. Student loans ensure equal educational opportunities for all students. Four years of a student loan provision in Slovakia can be briefly characterised as a socially oriented approach. The Slovak government, the founding owner of the Education Support Fund, has implemented numerous changes concerning the clients in the borrowing as well as in the repayment phase. The empirical analysis in this paper consists of the descriptive statistics focused on the Slovak student loan market and the financial analysis of the banking sector providing student loans in Slovakia. The most significant finding that emerged from our analysis is to provide every student enrolled in higher education with the information on accessible student loans with a low interest rates. The achieved results prove the decreasing role of student loans subsidized by the state within the Slovak banking market. However, the profitability of the Education Support Fund was significantly higher than the figure achieved by the Slovak banking sector in 2017.

scholarly journals IMPACT OF STUDENT LOAN IN EMPOWERMENT THE COMMUNITIES

2019 ◽  
Author(s):  
Bella Ghia Dimmera Bella
Keyword(s):  
Higher Education ◽  
Developing Countries ◽  
Student Loans ◽  
Student Loan ◽  
Community Empowerment ◽  
Application System ◽  
The Government ◽  
Higher Education Costs ◽  
Role Of The Government

This study aims to collect and analyze articles related to the impacts of student loans in realizing community empowerment. The background of this study is higher education costs cannot be afforded by the majority community. Although many governments have launched student loan programs, the debate over the failure of student loan programs in developing countries has not been resolved. The method used in this study is a literature review by collecting various sources of articles related to the issues discussed. Based on the articles collected, there are many problems such as irrelevant student loan policies, challenges in their application system, loans that could not be repaid that eventually burdened the community. The role of the government, the trust of banks, and the commitment of the community are factors that determine the success rate of achieving this student loan.

scholarly journals The Role of Information in the Take-Up of Student Loans

2008 ◽  
Author(s):  
Adam S. Booij ◽  
Edwin Leuven ◽  
Hessel Oosterbeek
Keyword(s):  
Student Loans ◽  
Role Of Information

The role of information cost in student loan market

2021 ◽  
pp. 002072092098608
Author(s):  
Xiao Feng ◽  
Bo Huang ◽  
Weidong Meng
Keyword(s):  
Human Capital ◽  
Student Loans ◽  
Credit Market ◽  
Student Loan ◽  
Capital Formation ◽  
Human Capital Formation ◽  
Information Cost ◽  
Loan Market ◽  
Role Of Information

Student loans are popular among university in support of young people to afford tuition fees, as US change its financial aid policy from grants to loans. Thus, the efficiency in student loan market is very important for the development of higher education, especially, human capital formation in this process. To complement the centerpiece for the relationship between human capital formation, credit market and economic performance in long run, a model which is derived from Boyd and Smith 1 to explore the role of information cost in the market. This work tried to indicate the fact that, higher development in credit market reduces the information cost in student loans, which would lead to higher contribution of human capital formation to economic growth.

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