Understanding Loan Use and Debt Burden among Low-Income and Minority Students at a Large Urban Community College

Autor/inn/en	Luna-Torres, Maria; McKinney, Lyle; Horn, Catherine; Jones, Sara
Titel	Understanding Loan Use and Debt Burden among Low-Income and Minority Students at a Large Urban Community College
Quelle	In: Journal of Student Financial Aid, 48 (2018) 1, Artikel 2 (28 Seiten) PDF als Volltext (1); PDF als Volltext kostenfreie Datei (2) Verfügbarkeit
Sprache	englisch
Dokumenttyp	gedruckt; online; Zeitschriftenaufsatz
ISSN	0884-9153
Schlagwörter	Student Loan Programs; Student Financial Aid; Community Colleges; Two Year College Students; Urban Schools; Student Characteristics; Statistical Analysis; Comparative Analysis; Enrollment; Low Income Groups; Racial Differences; Ethnicity; Gender Differences; Age Differences; College Readiness; Debt (Financial); Academic Persistence; Student Records; Grade Point Average; Multiple Regression Analysis; Texas + Suchen Sie Ihr Suchwort? Finanzielle Beihilfe; Studienfinanzierung; Studienförderung; Community college; Community College; Urban area; Urban areas; School; Schools; Stadtregion; Stadt; Schule; Statistische Analyse; Einschulung; Rassenunterschied; Ethnizität; Geschlechterkonflikt; Age; Difference; Age difference; Altersunterschied; Schülerakte
Abstract	This study examined a sample of community college students from a diverse, large urban community college system in Texas. To gain a deeper understanding about the effects of background characteristics on student borrowing behaviors and enrollment outcomes, the study employed descriptive statistics and regression techniques to examine two separate samples of students consisting of (1) loan recipients and (2) non-loan recipients. Chen's heterogeneous research model served as the conceptual framework in the selection of predictors of interest and outcome variables. This study primarily focused on the relationship between borrowing and enrollment outcomes of low-income and racially/ethnically diverse students. Results show that students taking on debt at Metropolitan Community College (a pseudonym) are primarily female, Black, over the age of 20, low-income, and not academically prepared. While race/ethnicity did not significantly influence cumulative debt amount, race/ethnicity did account for significant differences in the likelihood of completion or transfer for both loan recipients and non-loan recipients. (As Provided).
Anmerkungen	National Association of Student Financial Aid Administrators. 1101 Connecticut Avenue NW Suite 1100, Washington, DC 20036. Tel: 202-785-0453; Fax: 202-785-1487; e-mail: membership@nasfaa.org; Web site: http://www.nasfaa.org
Erfasst von	ERIC (Education Resources Information Center), Washington, DC
Update	2021/2/06