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Gender And Loans: Understanding Differences In Student Debt Burden, Rong Chen, Katie N. Smith
Gender And Loans: Understanding Differences In Student Debt Burden, Rong Chen, Katie N. Smith
Journal of Student Financial Aid
Based on combined data from Baccalaureate & Beyond (B&B:16/17), Integrated Postsecondary Education Data System (IPEDS), and Barron’s Profiles of American Colleges, this study utilizes zero-inflated beta regression methods and analyzes individual and institutional factors that predict debt burden by gender. Results show that women are less likely than men to have a zero debt burden one year after college graduation. Interaction effect tests show that the relationship between gender and zero debt burden differs by race/ethnicity. Additional analyses disaggregating the debt and earnings components indicate that women’s salary is significantly lower than men’s. The combined results of lower probability of …