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

Author(s):  
Michael Babula ◽  
Alp Idil Ersoy‐Babula
Keyword(s):  
2021 ◽  
pp. 073112142110520
Author(s):  
Laura Napolitano ◽  
Patricia Tevington ◽  
Patrick J. Carr ◽  
Maria Kefalas

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.


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

Author(s):  
Adam S. Booij ◽  
Edwin Leuven ◽  
Hessel Oosterbeek

Author(s):  
Xiao Feng ◽  
Bo Huang ◽  
Weidong Meng

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.


2012 ◽  
Vol 31 (1) ◽  
pp. 33-44 ◽  
Author(s):  
Adam S. Booij ◽  
Edwin Leuven ◽  
Hessel Oosterbeek

2018 ◽  
Vol 6 ◽  
pp. 40-45
Author(s):  
Mária Barteková ◽  
Ľudomír Šlahor

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.


Sign in / Sign up

Export Citation Format

Share Document