2011
DOI: 10.1016/j.ssresearch.2011.02.001
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Youth debt, mastery, and self-esteem: Class-stratified effects of indebtedness on self-concept

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Cited by 137 publications
(137 citation statements)
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“…This finding is consistent with previous research in other areas. For example, the findings of Dwyer, McCloud, and Hodson (2011) suggest that student loans totaling more than $10,000 actually reduce the chance that a student will graduate from college. Similarly, Minicozzi (2005) finds evidence that the positive effects of student loans on earnings diminish at debt levels above about $10,000, and Gicheva (2011) finds that borrowing an additional $10,000 for education above the average student loan debt for full-time students when the respondent was 18 years old reduces the short-term likelihood of marriage.…”
Section: Discussionmentioning
confidence: 99%
“…This finding is consistent with previous research in other areas. For example, the findings of Dwyer, McCloud, and Hodson (2011) suggest that student loans totaling more than $10,000 actually reduce the chance that a student will graduate from college. Similarly, Minicozzi (2005) finds evidence that the positive effects of student loans on earnings diminish at debt levels above about $10,000, and Gicheva (2011) finds that borrowing an additional $10,000 for education above the average student loan debt for full-time students when the respondent was 18 years old reduces the short-term likelihood of marriage.…”
Section: Discussionmentioning
confidence: 99%
“…Low-SES and middle-income young adults-who have a higher likelihood of incurring student loan debt-may thus be at greater risk for defaulting on their loans and bankruptcy than are their more advantaged counterparts. Finally, among young adults age 25 and older, education debt is associated with lower levels of mastery and self-esteem, suggesting that the burden of repayment takes an emotional toll after one leaves college (Dwyer et al 2011). …”
Section: Discussionmentioning
confidence: 99%
“…Cependant, comme le soulignent Dwyer, McCloud et Hodson (2011), les effets de la dette sur les expériences individuelles peuvent varier considérablement selon la classe sociale à laquelle appartiennent les individus. Ainsi, tandis que pour les jeunes des classes populaires et moyennes l'endettement est le seul moyen de financer leurs objectifs de mobilité sociale, pour les classes sociales privilégiées l'accès au crédit est seulement une partie du répertoire des ressources disponibles.…”
Section: Nps Vol 26 N Ounclassified