Indebted Over Time: Racial Differences in Student Borrowing

Monnica Chan; Jihye Kwon; David J. Nguyen; Katherine M. Saunders; Nilkamal Shah; Katie N. Smith

doi:10.3102/0013189X19864969

Indebted Over Time: Racial Differences in Student Borrowing

Monnica Chan
, Jihye Kwon
, David J. Nguyen
, Katherine M. Saunders
, Nilkamal Shah
, Katie N. Smith

Leadership in Education

Harvard University
Northern Kentucky University
Ohio University
United Negro College Fund, Inc.
Township High School District 214
Seton Hall University

Research output: Contribution to journal › Article › peer-review

Abstract

Recent trends in higher education financing have increased students’ need to borrow to afford college. This brief examines how federal student loan borrowing has changed from 2000 to 2016 by student race/ethnicity using logistic regression analysis and data from the National Postsecondary Student Aid Study (NPSAS). We find that the odds of borrowing have diverged over time across racial and ethnic subgroups even after controlling for institutional sector and students’ financial circumstances. This divergence in student loan borrowing has important implications for policymakers and researchers interested in closing racial gaps in college access and success.

Original language	English
Pages (from-to)	558-563
Number of pages	6
Journal	Educational Researcher
Volume	48
Issue number	8
DOIs	https://doi.org/10.3102/0013189X19864969
State	Published - Nov 1 2019

ASJC Scopus Subject Areas

Education

Keywords

debt
descriptive analysis
ethnicity
finance
higher education
historical analysis
postsecondary education
race
regression analyses
student loan

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10.3102/0013189X19864969

Cite this

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title = "Indebted Over Time: Racial Differences in Student Borrowing",

abstract = "Recent trends in higher education financing have increased students{\textquoteright} need to borrow to afford college. This brief examines how federal student loan borrowing has changed from 2000 to 2016 by student race/ethnicity using logistic regression analysis and data from the National Postsecondary Student Aid Study (NPSAS). We find that the odds of borrowing have diverged over time across racial and ethnic subgroups even after controlling for institutional sector and students{\textquoteright} financial circumstances. This divergence in student loan borrowing has important implications for policymakers and researchers interested in closing racial gaps in college access and success.",

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AU - Smith, Katie N.

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AB - Recent trends in higher education financing have increased students’ need to borrow to afford college. This brief examines how federal student loan borrowing has changed from 2000 to 2016 by student race/ethnicity using logistic regression analysis and data from the National Postsecondary Student Aid Study (NPSAS). We find that the odds of borrowing have diverged over time across racial and ethnic subgroups even after controlling for institutional sector and students’ financial circumstances. This divergence in student loan borrowing has important implications for policymakers and researchers interested in closing racial gaps in college access and success.

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KW - historical analysis

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Indebted Over Time: Racial Differences in Student Borrowing

Abstract

ASJC Scopus Subject Areas

Keywords

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