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

“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.

Employer-Provided Student Loan Repayment Assistance Benefits

2017 ◽  
Vol 49 (4) ◽  
pp. 206-220
Author(s):  
John G. Kilgour
Keyword(s):  
Student Loans ◽  
Student Loan ◽  
Student Loan Debt ◽  
Loan Repayment ◽  
Design And Implementation ◽  
Loan Debt ◽  
Private Student Loans

With 70% of recent hires being encumbered with student-loan debt, employers and employees have recently become interested in repayment assistance benefits. Since about 2015, 4% of employers and 8% of large employers have adopted such plans. An estimated 20% will have them by 2018. This article examines the background, growth and magnitude of federal and private student loans. It also examines those programs that have been adopted and gleans from them a number of questions that will help in the design and implementation of new programs by employers.

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