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2021

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Full-Text Articles in Education

Student Pharmacists’ Emotional Responses And Coping During The Covid-19 Pandemic, Hannah E. Johnson, Deaundre Bumpass, Aric Schadler, Jeffrey Cain Dec 2021

Student Pharmacists’ Emotional Responses And Coping During The Covid-19 Pandemic, Hannah E. Johnson, Deaundre Bumpass, Aric Schadler, Jeffrey Cain

Journal of Wellness

Introduction: Health professions students, including student pharmacists, have been impacted by the coronavirus disease 19 (COVID-19 pandemic) as schools have transitioned to remote learning and cancelled milestone events. During times of crises, media consumption and hobby participation also impact well-being. The adverse emotional responses and coping strategies of student pharmacists amidst the COVID-19 pandemic have not been evaluated, nor have factors that may contribute to emotional responses. The purpose of this study is to determine Doctor of Pharmacy students’ emotional responses and coping precipitated by the COVID-19 pandemic, and the influence of media use, working status, and participation in hobbies. …


The Impact Of Work-Study Participation On The Career Readiness Of Undergraduates, Allen J. Leonard, Patrick Akos Dr., Bryant Hutson Oct 2021

The Impact Of Work-Study Participation On The Career Readiness Of Undergraduates, Allen J. Leonard, Patrick Akos Dr., Bryant Hutson

Journal of Student Financial Aid

The Federal Work-Study (FWS) program is an integral part of the federal financial aid plan in the United State since 1964 providing employment opportunities, financial assistance, and opportunities to improve career readiness to over 675,000 students annually. However, little investigation has been completed into the effects of participating in FWS in terms of either program effectiveness or as an effectiveness as a career development program. Previous research lacks consistent findings and focuses on academic outcomes, ignoring development aspects as well as the potential reframing of the program as a high-impact practice. This study assesses the career readiness of FWS eligible …


Graduate Medical Education On The Frontlines During The Covid-19 Pandemic In New York City- A Response To Promote Well-Being, Saadia Akhtar, Sakshi Dua, Paul J. Rosenfield, Frank H. Basloe, Muhammad Khalid, Jonathan A. Ripp, Michael Leitman Oct 2021

Graduate Medical Education On The Frontlines During The Covid-19 Pandemic In New York City- A Response To Promote Well-Being, Saadia Akhtar, Sakshi Dua, Paul J. Rosenfield, Frank H. Basloe, Muhammad Khalid, Jonathan A. Ripp, Michael Leitman

Journal of Wellness

Introduction: The COVID-19 pandemic has driven many health care institutions in the United States beyond their capacity. Physicians-in-training in graduate medical education programs have suffered the strain of providing patient care during this unprecedented time of crisis. The significant prevalence of pre-existing resident and fellow burnout and depression makes the need for action by institutions to support the well-being of residents and fellows even more urgent. We aim to describe innovative adaptations our Office of Graduate Medical Education implemented with the support of institutional leadership as responses to promote the well-being of residents and fellows on the frontlines during the …


Who Do College Students Turn To For Financial Aid And Student Loan Advice, And Is It Advice Worth Following?, Casandra E. Harper, Lisa Scheese, Enyu Zhou, Rajeev Darolia Oct 2021

Who Do College Students Turn To For Financial Aid And Student Loan Advice, And Is It Advice Worth Following?, Casandra E. Harper, Lisa Scheese, Enyu Zhou, Rajeev Darolia

Journal of Student Financial Aid

In this article, we examine the sources of information that college students turn to as they make decisions related to financial aid and student loans. Based on interview data from 25 undergraduate students from one public, four-year institution, our results reveal a great amount of variation in the number and nature of sources on which students rely. Across nearly all cases, students believed their access to assistance to be insufficient. This was true even for students with parents who attended college—commonly considered to be a high-quality source of support for students, when available—as students often found their advice outdated, confusing, …


Hidden Inequality: Financial Aid Information Available To College Students With Disabilities Attending Public Four-Year Institutions, Emily L. Perlow, Ryan S. Wells, Mujtaba Hedayet, Jenny Xia, Heather Maclean, Emily Ding, Angela Mccall Oct 2021

Hidden Inequality: Financial Aid Information Available To College Students With Disabilities Attending Public Four-Year Institutions, Emily L. Perlow, Ryan S. Wells, Mujtaba Hedayet, Jenny Xia, Heather Maclean, Emily Ding, Angela Mccall

Journal of Student Financial Aid

College students with disabilities often encounter systems and processes that do not serve them well. Financial aid, structured in ways that can be particularly burdensome to students with disabilities, is one such system. This study used web-based content analysis of the largest public four-year institution in each state to explore how institutions explain and provide information and resources related to financial aid and whether they are equitable, consistent, and useful for students with disabilities specifically. The findings suggest that available information most often does not assist students in understanding how their disability-related needs can be supported or hindered by financial …


The Role Of Student Debt And Debt Anxiety In College Student Financial Well-Being, Jill M. Norvilitis, Braden K. Linn Oct 2021

The Role Of Student Debt And Debt Anxiety In College Student Financial Well-Being, Jill M. Norvilitis, Braden K. Linn

Journal of Student Financial Aid

This study examined predictors of three measures of financial well-being in 354 college students. Results suggest that perceptions of debt are important in understanding financial well-being, but these perceptions need to be considered alongside of individual differences in anxiety, optimism, and parental teaching. Further, regression analyses highlighted differences between predictors of perceived financial well-being and more and less frequent money saving behaviors, which may indicate different paths for intervention. Specifically, students reporting engaging in less common financial strain behaviors appear to have more objective financial difficulties, whereas students reporting more common financial strain behaviors report more factors that suggest difficulty …


Financial Knowledge Or Financial Situations? Toward Understanding Why Some College Students Use Credit Cards To Pay For College Tuition, Benjamin D. Andrews Oct 2021

Financial Knowledge Or Financial Situations? Toward Understanding Why Some College Students Use Credit Cards To Pay For College Tuition, Benjamin D. Andrews

Journal of Student Financial Aid

While the majority of college students use credit cards for educational expenses like textbooks, recent data reports that college students also use credit cards to directly fund their schooling by charging for at least some part of their tuition (Sallie Mae, 2009). Because credit cards carry a higher interest rate than student loans, and because they do not have a period of deferred payment while a student is enrolled in school, credit cards are a particularly risky method of payment that students resort to in order to attend college. Why do college students participate in such risky spending behavior to …


Factors Associated With Parent And Student Debt Of Bachelor’S Degree Recipients, Robert Kelchen Oct 2021

Factors Associated With Parent And Student Debt Of Bachelor’S Degree Recipients, Robert Kelchen

Journal of Student Financial Aid

Parent PLUS loans are a growing concern due to their limited income-driven repayment protections and their potential to maintain longstanding racial wealth gaps. Previous research has examined factors associated with student debt burdens of college graduates, but no research has examined factors related to parent borrowing for college. In this brief, I use newly-released College Scorecard data to explore student and institutional characteristics associated with federal student loans and Parent PLUS loans of two recent bachelor’s degree cohorts. I find meaningful differences in how certain characteristics are associated with student and parent debt, particularly gender, family income, and institutional selectivity.


The North Carolina Teaching Fellows Program: A Case Study Of The Use Of Forgivable Loans In Recruiting Future Stem Teachers, Katie N. Smith Oct 2021

The North Carolina Teaching Fellows Program: A Case Study Of The Use Of Forgivable Loans In Recruiting Future Stem Teachers, Katie N. Smith

Journal of Student Financial Aid

In 2018-2019, North Carolina implemented a loan forgiveness program to recruit talented postsecondary students into teaching majors in needed subject areas. This qualitative case study analyzes the influence of the North Carolina Teaching Fellows Program (NCTFP) on 10 student participants’ college, major, and career plans in STEM education to understand how loan incentives shaped student interest in teaching careers in STEM subjects. Findings reveal that forgivable loan funding influenced college choice among those choosing institutions at the time of NCTFP acceptance. While the NCTFP was most appealing to participants who already planned to become STEM educators, there is also evidence …


Your Personal Guide To Getting Into Research, Katherine Vo. Brown, Priyadarshini Chandrashekhar, Harshith Gontla, Ekaterina S Kovatsenko, Aamira Shah, Kelsey Littrell Sep 2021

Your Personal Guide To Getting Into Research, Katherine Vo. Brown, Priyadarshini Chandrashekhar, Harshith Gontla, Ekaterina S Kovatsenko, Aamira Shah, Kelsey Littrell

The Cardinal Edge

The stereotype of a researcher conjures up an image of a person in a white lab coat, juggling various test tubes and chemicals. However, this picture does not capture the essence of all research. Contrary to popular belief, you do not have to be a STEM major to do research! Research is for everyone, and there are many options to participate across all disciplines. As an R-1 classified research institute, the University of Louisville (UofL) is involved with groundbreaking research across many disciplines including education, political science, and business. Below are some compelling reasons to pursue research as an undergraduate …


You’Ve Graduated. So Now What?, Katherine Vo. Brown, Ekaterina S Kovatsenko, Aamira Shah Sep 2021

You’Ve Graduated. So Now What?, Katherine Vo. Brown, Ekaterina S Kovatsenko, Aamira Shah

The Cardinal Edge

After graduating, many new college graduates often face the question: where do I go from here? While some people opt to obtain a postgraduate degree, other options exist for those who are unsure of what career they want to pursue or those who simply want to take a gap year. In this article, we will explore three unique opportunities for new graduates to consider: The Fulbright Program, Boren Scholarship, and Service Programs such as PeaceCorp and AmeriCorp.


Emergency Medicine Shift Factors Causing The Most Stress Among Emergency Medicine Residents, Mohamad Moussa, Kristen Hayden, Chia-Hao Shih, Sadik Khuder, Zayd Safadi, Connor Parsell Sep 2021

Emergency Medicine Shift Factors Causing The Most Stress Among Emergency Medicine Residents, Mohamad Moussa, Kristen Hayden, Chia-Hao Shih, Sadik Khuder, Zayd Safadi, Connor Parsell

Journal of Wellness

Introduction: Past studies demonstrate that stress and anxiety affect emergency medicine physicians, but the causal factors identified are usually from sources outside the work shift. We attempt to show the relationship between intrinsic factors of a work shift and anxiety perceived by residents, while also examining differing gender responses.

Methods: In 2018, a cross-sectional survey of emergency medicine residents in the United States was distributed anonymously through the Emergency Medicine Residents Association. The survey consisted of demographic questions, novel questions identifying intrinsic factors, and the Generalized Anxiety Disorder 7-item (GAD-7) scale. Spearman correlation, independent t-test, and multivariate analysis of variance …


Money Matters: Factors Associated With Receipt Of Financial Aid Among Youth Who Have Experienced Foster Care, Jacob P. Gross, Jennifer M. Geiger, Greg King, Samuel King Aug 2021

Money Matters: Factors Associated With Receipt Of Financial Aid Among Youth Who Have Experienced Foster Care, Jacob P. Gross, Jennifer M. Geiger, Greg King, Samuel King

Journal of Student Financial Aid

Despite high aspirations, youth formerly in foster care may face significant barriers (e.g., academic preparedness, adult mentoring) to obtaining a postsecondary credential. Better understanding the relationship between affordability and postsecondary access for youth formerly in foster care (YFFC) merits attention from researchers because finances often present a barrier to success for this population of students. This exploratory study asks the question: What factors influenced whether YFFC received financial aid and do those factors change over time? Using event history analysis and national longitudinal on foster care and youth outcomes, we explore what factors impact whether a YFFC receives financial aid.


Reducing “Treble” With Performance Focused Music Programs In Medical School: A Student Driven Needs Assessment To Clarify Participation Barriers Amongst Undergraduate Medical Students, Alexander Tu, Tiffany Truong, Kristy J. Carlson, Matthew J. Brooks, Jayme R. Dowdall Jul 2021

Reducing “Treble” With Performance Focused Music Programs In Medical School: A Student Driven Needs Assessment To Clarify Participation Barriers Amongst Undergraduate Medical Students, Alexander Tu, Tiffany Truong, Kristy J. Carlson, Matthew J. Brooks, Jayme R. Dowdall

Journal of Wellness

Introduction: The beneficial impact of performing arts involvement within undergraduate medical education, such as music, has been studied, but support for the arts varies significantly by institution. Research has suggested that medical student involvement in the arts can help develop their identities as physicians and may reduce stress and burnout, an increasingly difficult problem within the medical student community.

Methods: We used a mixed-method cross-sectional study design, using a questionnaire and semi-structured interview designed amongst a team of music professionals and healthcare providers with music backgrounds. Out of 511 enrolled medical students, 93 students participated in the study for a …


Medical Schools Ignore The Nature Of Consciousness At Great Cost, Anoop Kumar Jul 2021

Medical Schools Ignore The Nature Of Consciousness At Great Cost, Anoop Kumar

Journal of Wellness

The essential question of the relationship between consciousness and matter is ignored in medical school curricula, leading to a machine-like view of the human being that contributes to physician burnout and intellectual dissatisfaction. The evidence suggesting that the brain may not be the seat of consciousness is generally ignored to preserve the worldview of the primacy of matter. By investigating new frameworks detailing the nature of consciousness at different levels of hierarchy, we can bring intellectual rigor to a once opaque subject that supports a fundamental reality about our experience: We are human beings, not only human bodies.


Another Lesson On Caution In Idr Analysis: Using The 2019 Survey Of Consumer Finances To Examine Income-Driven Repayment And Financial Outcomes, Daniel Collier, Dan Fitzpatrick, Christopher R. Marsicano Jun 2021

Another Lesson On Caution In Idr Analysis: Using The 2019 Survey Of Consumer Finances To Examine Income-Driven Repayment And Financial Outcomes, Daniel Collier, Dan Fitzpatrick, Christopher R. Marsicano

Journal of Student Financial Aid

We update Collier et al. (2021) by using the Survey of Consumer Finances (SCF) 2019 dataset to explore characteristics of enrollees in Income-Driven Repayment (IDR). SCF 2019 is more likely to include borrowers engaged in REPAYE. Findings support an ongoing need to encourage greater IDR participation for lowest-income borrowers and reinforce greater participation by female borrowers. Again, model specification affects findings regarding IDR enrollment. REPAYE appears to have widened access to IDR by lowering the debt floor for entry. IDR enrollment was correlated with less money in a traditional checking account and a lower chance of engaging in retirement savings.


(De)Glossing Financial Aid: Do Colleges And Universities Actually Use Financial Student Aid Jargon?, Zachary W. Taylor, Laura Manor Jun 2021

(De)Glossing Financial Aid: Do Colleges And Universities Actually Use Financial Student Aid Jargon?, Zachary W. Taylor, Laura Manor

Journal of Student Financial Aid

Decades of research has suggested that completing the Free Application for Federal Student Aid (FAFSA) can be a complex, difficult process for postsecondary students and their support networks. However, no extant research has informed federal student aid practitioners and researchers as to what federal student aid jargon terms institutions of higher education actually use in their application instructions to complete the FAFSA. To fill this gap in the research, this study adopts a distributional linguistic approach to analyze a random sample of federal student aid application instructions published on institutional websites (.edu) over three years (2017, 2018, and 2019) to …


Student Repayment Crisis And The Value Of Higher Education And The Economy In California’S Kern County, Elisa P. Queenan, Brian D. Street Jun 2021

Student Repayment Crisis And The Value Of Higher Education And The Economy In California’S Kern County, Elisa P. Queenan, Brian D. Street

Journal of Student Financial Aid

The cost of post-secondary education (PE) continues to increase, which has contributed to elevating federal loan demand, and as of the fourth quarter of 2020, equaling a debt of $1.56 trillion in the US. The purpose of this research was to compare two post-secondary institutions for specific alignment with the local labor market, examine institutional economic benefits and costs, and impact of loan default. Bakersfield College (BC) and California State University, Bakersfield (CSUB) are both public, Hispanic Serving Institutions, in central California. Despite similarities, loan default rates of each institution differ; six-year mean rates, 24.6% at BC, 7.7% at CSUB. …


Institutional And State-Level Factors Related To Paying Back Student Loan Debt Among Public, Private, And For-Profit Colleges, Amy Y. Li, Robert Kelchen Jun 2021

Institutional And State-Level Factors Related To Paying Back Student Loan Debt Among Public, Private, And For-Profit Colleges, Amy Y. Li, Robert Kelchen

Journal of Student Financial Aid

In this study, we examine whether institutional-level characteristics, student demographics, and state conditions are associated with student loan repayment rates and cohort-level loan default rates. We separately explore these characteristics for each of four higher education sectors: public 2-year colleges, for-profit colleges, public 4-year colleges, and private 4-year colleges. We conduct a series of multiple linear regressions on a sample of 2,375 colleges. Estimates suggest that across all sectors except at for-profits, colleges enrolling a higher percentage of historically underrepresented students, including first-generation and African American/Black students, report lower repayment rates. Additionally, a higher percentage of students enrolled who file …


Demographics, Activities, And Environmental Factors Impact Burnout In A National Survey Of Emergency Medicine Residents, Nicole Battaglioli, Tim P. Moran, Simiao Li-Sauerwine Jun 2021

Demographics, Activities, And Environmental Factors Impact Burnout In A National Survey Of Emergency Medicine Residents, Nicole Battaglioli, Tim P. Moran, Simiao Li-Sauerwine

Journal of Wellness

Introduction: Burnout in emergency medicine and in residency training has been well-described. The impact of demographic, individual, and programmatic factors on burnout have not previously been determined in a national survey of emergency medicine residents. This study aimed to identify personal and environmental factors impacting resident burnout in a national sample of emergency medicine residents.

Methods: A prospective Emergency Medicine Resident Wellness Survey was administered in 2017. We surveyed respondents on demographic, personal, and environmental factors; each respondent also completed the Maslach Burnout Inventory - Human Services Survey. Linear regressions were used to identify variables associated with the Maslach Burnout …


Higher Education: Can Debt Beat Savings?, David Stackpole Jun 2021

Higher Education: Can Debt Beat Savings?, David Stackpole

Journal of Student Financial Aid

This paper investigates the possible opportunity cost of using standard college savings plans against the advantages of using debt to pay for college. In addition, it presents a practical argument for using debt in place of college savings plans in certain instances.

By doing so, investors may not only be able to mitigate the difficulty of saving, but also realize greater financial benefit in the long run.


The Health Of Haitian Schoolchildren: Longitudinal Effect Of Annual Visits On Growth, Jamarie Geller, Mary Starrs, Andrew Bartholomew, Sara Kaliszak, Jeri Kessenich Apr 2021

The Health Of Haitian Schoolchildren: Longitudinal Effect Of Annual Visits On Growth, Jamarie Geller, Mary Starrs, Andrew Bartholomew, Sara Kaliszak, Jeri Kessenich

Journal of Refugee & Global Health

Objectives: Haiti has one of the highest rates of childhood undernutrition in the world, devastating overall health. This study focuses on the growth of children offered longitudinal healthcare by Kids Health for Haiti, using BMI to indicate developmental and nutritional status. Objectives include collecting baseline prevalence data, examining the longitudinal impact of longitudinal interventions, and discussing future investigation and programming areas.

Methods: A retrospective longitudinal observational chart review on 245 students over a six-year period analyzing height, weight, and BMI. All data was collected as part of routine health provision and underwent statistical analysis using a single-subject design.

Results:46.3%, …


Gme: Gym In Medical Education-Maintaining Physical And Mental Well Being During The Covid-19 Pandemic, Brian J. Nguyen, Elana A. Meer, Joyce E. Nguyen Mar 2021

Gme: Gym In Medical Education-Maintaining Physical And Mental Well Being During The Covid-19 Pandemic, Brian J. Nguyen, Elana A. Meer, Joyce E. Nguyen

Journal of Wellness

No abstract provided.


Students’ Reasons Why Re-Entering The University After Co-Op Experience Is Difficult, Cathryn G. Sebree Feb 2021

Students’ Reasons Why Re-Entering The University After Co-Op Experience Is Difficult, Cathryn G. Sebree

Grawemeyer Colloquium Papers

  1. Introduction

The purpose of this study was to investigate reasons why the transition from an undergraduate co-op to the academic semester is difficult. Student transitions from co-op back to the institution are difficult for students and this research helps understand why students have difficulty.

Cooperative education programs (co-ops) are partnerships between industries and universities that grant students hands-on experience in their field. Students are benefitted in many ways from co-op experiences, however, there are some instances where the transition back into an academic semester is difficult for students.

This study takes place at a large southeast research institution. The engineering …


A Comparative Analysis Of The Knowledge And Stigmatizing Attitude Of Ghanaians And Nigerians Towards Covid-19 Survivors, Emmanuel Lamptey, Dorcas Serwaa, Maxwell Hubert Antwi, Theckla Ikome Ms, Nkechi Odogwu Feb 2021

A Comparative Analysis Of The Knowledge And Stigmatizing Attitude Of Ghanaians And Nigerians Towards Covid-19 Survivors, Emmanuel Lamptey, Dorcas Serwaa, Maxwell Hubert Antwi, Theckla Ikome Ms, Nkechi Odogwu

Journal of Refugee & Global Health

Introduction: In Africa, COVID-19 associated stigmatization still remains the contextual factor that poses a challenge for the mitigation and suppression of COVID-19 spread, especially among the illiterate populations. This comparative study was therefore conducted to assess the knowledge and willingness of Ghanaians and Nigerians to associate with COVID-19 survivors.

Methods: A cross-sectional study was conducted to collect information from 290 Ghanaian and 220 Nigerian nationals aged 18 years and above between 11th July-30th October 2020. An electronic-based questionnaire was developed to collect information on the public. The data were analyzed with SPSS v 22 and factors influencing knowledge and willingness …


Wellness Review 2020, Part 2, Brian Ferguson, Martin Huecker Feb 2021

Wellness Review 2020, Part 2, Brian Ferguson, Martin Huecker

Journal of Wellness

Introduction: This article comprises Part 2 of the Journal of Wellness review of 2020 wellness literature (July – December). In this review, JWellness editors continue the goal of offering a cohesive summary of recent publications within the wellness domain. We summarize new science and resilience initiatives published outside of JWellness that seek understanding of either burnout and its prevention or thriving in the medical community.

Methods: From the interval of 01 July – 31 Dec 2020, PubMed was queried for empirical research studies, review articles, and editorials in accordance with the following algorithm: an article was required to …


Completion Grants: A Multi-Method Examination Of Institutional Practice, Sara Goldrick-Rab, Travis York, Clare Cady, Christy Baker-Smith Feb 2021

Completion Grants: A Multi-Method Examination Of Institutional Practice, Sara Goldrick-Rab, Travis York, Clare Cady, Christy Baker-Smith

Journal of Student Financial Aid

Public universities are intent on increasing degree completion for many reasons. A stronger policy focus on completion and interest in removing students’ financial hurdles has led to a rapid proliferation of completion grant programs. This paper reports on a mixed method implementation study of completion grant programs at seven broad- and open-access universities. Drawing on case studies of completion grant programs and student surveys, we examine the work of the administrators and professionals who create and implement these programs. As it can diminish program efficacy and increase inequality, we pay particular attention to administrative burden for staff and students. We …


The History Of Denying Federal Financial Aid To System-Impacted Students, Bradley D. Custer Feb 2021

The History Of Denying Federal Financial Aid To System-Impacted Students, Bradley D. Custer

Journal of Student Financial Aid

People who are impacted by the criminal justice system (“system-impacted”) face barriers when seeking financial aid to pay for college. Between the late 1960s and the early 2000s, Congress created laws that prohibited incarcerated students and students with certain criminal convictions from receiving federal grants and loans. This paper offers a comprehensive review of the history of those laws, which provides context for current debates on restoring Pell Grants to students in prison. Legislative documents, scholarly sources, and news reports were studied to build this historical review. Key lessons from history are discussed as to how Congress might treat system-impacted …


Estimating The Spillover Effects Of The Tennessee Promise: Exploring Changes In Tuition, Fees, And Enrollment, Elizabeth Bell Feb 2021

Estimating The Spillover Effects Of The Tennessee Promise: Exploring Changes In Tuition, Fees, And Enrollment, Elizabeth Bell

Journal of Student Financial Aid

Tuition-free college policies have gained momentum since the implementation of the Tennessee Promise, which provides financial aid to students pursuing two-year post-secondary degrees in Tennessee. While previous research has addressed the effects of similar programs on student outcomes, scholars have yet to thoroughly investigate potential spillover effects of Promise policies on colleges that are ineligible for Promise funds. In this paper, I leverage a difference-in-differences design to explore changes in enrollment and tuition and fees at institutions eligible and ineligible for Tennessee Promise funds. First, I find that in-state enrollment increased significantly at public Promise eligible institutions (mainly public two-year …


Does The House Always Win? An Analysis Of Barriers To Wealth Building And College Borrowing, Katherine E. Fletcher, Matthew B. Fuller Feb 2021

Does The House Always Win? An Analysis Of Barriers To Wealth Building And College Borrowing, Katherine E. Fletcher, Matthew B. Fuller

Journal of Student Financial Aid

The racial differences in student loan debt must be interpreted through a lens of wealth building inequality. Black individuals in particular are negatively affected by official and unofficial policies that create barriers to building wealth. Financial aid policies then exacerbate this inequality with an Expected Family Contribution (EFC) formula that protects the majority of family assets from being used as required educational contributions. Using the 2011-12 National Postsecondary Student Aid Survey (NPSAS:12) , we examined differences in student loan debt based on wealth building barriers (students’ access to banks, father’s education, and mother’s education). Our ANOVA models show cumulative loan …