Student Loan Debt

Callender, Claire; Deane, KC; Gayardon, Ariane de; DesJardins, Stephen L.

doi:10.5040/9781350108448.0015

Cited by 4 publications

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“…The use of Higher Education Student's Loans Schemes is currently considered as a global concern for reducing inequality on access to HE by ensuring that, students from low-income families get access equally to their counterpart from affluent families (Akers & Chingos, 2018;Drezner, at al., 2018;Mgaiwa, 2023;UNESCO,2010). Though, this practice differs between countries whereby some uses tax payers' money to finance it while other countries encourage private financial Institutions such as banks to provide loans, and government stand as a guarantor of the loanees (Barr, et al, 2019;Boatman & Evans, 2022, Callender, & de Gayardon, 2021. This policy option emerged with the aim of reducing the sharp increase of access gap to HE following the adoption of privatisation policy of 1980s'.…”

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confidence: 99%

Hidden Voices: Students Views on amount of Loans received and Survival Mechanism in Tanzania Higher Learning Institutions

Sululu,

George,

Kahimba

2024

IJESS

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The increasing use of student’s loans schemes to finance higher education is currently a global concern. It fuels access to higher education mostly to children from low-income families which ultimately strengthen equitable human capital growth. However, due to the increasing demand for higher education coupled with lower budget, many governments especially those in developing Countries fail to accomplish this task adequately. This study therefore, thought to assess students views on the amount of loan allocated and status of their survival in Tanzania Higher education Institutions. The aim is to see whether the received loan amount sufficiently cover their degree program cost, and if not, what are survival mechanisms are they make to supplement the discrepancy. The cross-sectional survey of 480 loans beneficiaries was adopted to collect data from four sampled universities. Data were analysed using descriptive and inferential statistics. The findings revealed that, due to the increasing trends of loans applicants’ and lower government budget, many students are allocated lesser amount of loan which eventually hinder their survival. As such others decide to engage on informal income generating activities which ultimately affect their academic progress. This study recommends on increased amount of loans allocation to students, as long as what they receive will be paid it back if adequate repayment strategies a put in place.

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Section: Introductionmentioning

confidence: 99%

Hidden Voices: Students Views on amount of Loans received and Survival Mechanism in Tanzania Higher Learning Institutions

Sululu,

George,

Kahimba

2024

IJESS

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Graduates’ responses to student loan debt in England: “sort of like an acceptance, but with anxiety attached”

Callender

Davis

2023

High Educ

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In 2020–2021, 94% of undergraduates in England took out government-backed loans to fund their higher education. The growing and widespread use of student loans in England, mounting student debt, and governments’ increasing dependence on tuition fees underwritten by loans to finance public higher education raise important questions which this paper seeks to address. Specifically, the paper asks how do graduates respond to student loan debt and what does this tells us about the nature of the relationship between the graduate debtor and the state lender? We also question the usefulness of symbolic violence as a sociological lens to better understand graduates’ different patterns of responses and reactions to student loan debt and their relationship with the state lender. Our analysis draws on 98 in-depth qualitative interviews conducted with English graduates between 2020 and 2021. We conclude that a more comprehensive explanation requires an exploration of both symbolic violence and structural violence and a re-appraisal of the word ‘violence’ to better represent the wide range of graduates’ responses.

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Student Perceptions of Academic Integrity: A Qualitative Study of Understanding, Consequences, and Impact

Stone

2022

J Acad Ethics

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Background Academic integrity (AI) is of increasing importance in higher education. At the same time, students are becoming more consumer-oriented and more inclined to appeal against, or complain about, a penalty imposed for a breach of AI. This combination of factors places pressure on institutions of higher education to handle alleged breaches of AI in a way acceptable to students that motivates them to continue to engage with their studies. Method Students (n = 8) were interviewed to discover their perceptions of the process for dealing with breaches of AI. All students were based in one university in a very diverse area of London which has many first-generation students from non-traditional academic backgrounds. Results Students reported strong emotional reactions featuring high levels of anxiety and stress. Some found the process to be threatening and demotivating and questioned continuation on their course of study, while others used more adaptive coping strategies. Students also went to great pains to make it clear that their own, and their friends’, breaches of AI were unintentional, while expressing the view that other people were deliberately cheating and should be penalised. Key recommendations include: support for students to re-engage after the intervention; support for students to develop effective self-regulatory learning strategies and time management; provision of specific examples to clarify what is, and is not, acceptable academic practice; recognition of the strong emotions likely to be invoked, especially if accompanied by declarations of unintentionality.

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Student Loan Debt

Cited by 4 publications

References 0 publications

Hidden Voices: Students Views on amount of Loans received and Survival Mechanism in Tanzania Higher Learning Institutions

Hidden Voices: Students Views on amount of Loans received and Survival Mechanism in Tanzania Higher Learning Institutions

Graduates’ responses to student loan debt in England: “sort of like an acceptance, but with anxiety attached”

Student Perceptions of Academic Integrity: A Qualitative Study of Understanding, Consequences, and Impact

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