Worried women, complacent men? Gendered responses to differential student funding in higher education

Kettley, Nigel; Whitehead, Joan M.; Raffan, John

doi:10.1080/03054980701565360

Cited by 16 publications

(14 citation statements)

References 10 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Ethnicity had no identifiable impact, while gender and social class only impacted in isolated areas of behaviour. This finding is in contrast with those previous studies (Hesketh, 1999;Morgan, Roberts and Powdrill, 2001;Lea, Webley and Bellamy, 2001;Kettley, Whitehead and Raffan, 2008) that have stressed the importance of gender and social class in understanding students" financial affairs. This study suggests that personality types, and particularly extraversion, may be an important mediating factor in explaining the link between demographic variables and student debt.…”

Section: Figure 1: Descriptive Network Of Influences Of Extraversion contrasting

confidence: 56%

“…Mental health -many students report anxiety and stress about money management and the scale of debt that they have accumulated (Stradling, 2001;Cooke et al, 2004;Carney, McNeish and McColl, 2005;Kettley, Whitehead and Raffan, 2008). In their recent largescale national study, Johnson et al (2009) found that 70% of full-time students reported worry or stress about their finances, although Cooke et al (2004) cast some doubt on whether concerns about money translates into measureable mental health issues.…”

Section: Contextmentioning

confidence: 99%

“…Since the introduction of student loans, a number of studies have concluded that, in general terms, women and students from lower socio-economic groups are less likely to accumulate debt or more likely to be debt-averse (Hesketh, 1999;Morgan, Roberts and Powdrill, 2001;Lea, Webley and Bellamy, 2001; Universities UK, 2003;Kettley, Whitehead and Raffan, 2008), possibly as they have lower expectations of lifetime earnings. In the most recent Student Income and Expenditure Survey (Johnson et al, 2009), multiple regression analysis found that the only significant predictors for overall debt levels were social class (with those from lower socio-economic groups having higher debts) and whether the student lived in the family home (with those who did having lower debts).…”

Section: Which Students Accumulate Debt and How?mentioning

confidence: 99%

See 2 more Smart Citations

Overactive, overwrought or overdrawn? The role of personality in undergraduate financial knowledge, decision‐making and debt

Harrison

Chudry

2011

Journal of Further and Higher Education

View full text Add to dashboard Cite

Disclaimer UWE has obtained warranties from all depositors as to their title in the material deposited and as to their right to deposit such material. UWE makes no representation or warranties of commercial utility, title, or fitness for a particular purpose or any other warranty, express or implied in respect of any material deposited.UWE makes no representation that the use of the materials will not infringe any patent, copyright, trademark or other property or proprietary rights. UWE accepts no liability for any infringement of intellectual property rights in any material deposited but will remove such material from public view pending investigation in the event of an allegation of any such infringement. PLEASE SCROLL DOWN FOR TEXT. 1Overactive, overwrought or overdrawn? The role of personality in undergraduate financial knowledge, decision-making and debt Neil Harrison and Farooq Chudry (University of the West of England)Abstract : The financial situation of undergraduate students remains a high-profile issue within the UK higher education sector, not least due to its perceived relationship with retention, well-being and success. This paper probes this question from a new direction, using concepts and approaches from the field of applied psychology to examine how students use various forms of credit and whether personality impacts on borrowing behaviour.The sample in this study comprised 604 undergraduate students at a large UK university. Data was collected by online questionnaire on demographic background, borrowing history, borrowing intentions, financial literacy, personality type and attitudes to money. Using a series of regression analyses, it was found that a tendency towards extraversion was particularly associated with the use of overdrafts and borrowing from family members and that this led to higher anticipated debts on graduation. Neuroticism was found not to have any significant relationship to borrowing behaviour, but it was a significant predictor for student anxiety about money management.The paper also reports related findings concerning students" learned borrowing behaviour, the acceleration of student use of commercial borrowing during their course of studies and about the construction and implications of financial literacy.

show abstract

Section: Figure 1: Descriptive Network Of Influences Of Extraversion contrasting

confidence: 56%

Section: Contextmentioning

confidence: 99%

Section: Which Students Accumulate Debt and How?mentioning

confidence: 99%

See 1 more Smart Citation

Overactive, overwrought or overdrawn? The role of personality in undergraduate financial knowledge, decision‐making and debt

Harrison

Chudry

2011

Journal of Further and Higher Education

View full text Add to dashboard Cite

show abstract

“…Debates about the relationship between attitudes and behavior have a long history in social science. The potentially powerful impact of perceptions of actuality on behavior is well established (Kettley et al 2008).…”

Section: Discussionmentioning

confidence: 99%

Does Student Loan Debt Deter Higher Education Participation? New Evidence from England

Callender¹,

Mason²

2017

The ANNALS of the American Academy of Political and Social Scie

View full text Add to dashboard Cite

Research among prospective UK undergraduates in 2002 found that some students, especially from low social classes, were deterred from applying to university because of fear of debt. This paper investigates whether this is still the case today in England despite the changing higher education landscape since 2002. The paper describes findings from a 2015 survey of prospective undergraduates and compares them with those from the 2002 study. We find that students' attitudes to taking on student loan debt are more favorable in 2015 than in 2002. Debt averse attitudes remain much stronger among lower-class students than among upperclass students, and more so than in 2002. However, lower-class students did not have stronger debt averse attitudes than middle-class students. Debt averse attitudes seem more likely to deter planned higher education participation among lower-class students in 2015 than in 2002. Key wordsStudent debt, debt aversion, loan aversion, higher education, student funding were undertaken student funding policies have changed dramatically and debt has risen sharply bringing into question the findings' relevance for today's students and public policy. 3Now most students in England have to borrow if they want to enter higher education.Moreover, this paper exploits a unique dataset derived from a survey of prospective students in 2002 and another in 2015, allowing us to examine changes in students' attitudes to debt over time and the role played by these policy reforms and shifting political and ideological contexts. This is central for understanding the continuing socio-economic inequalities in access to higher education. The shifting higher education landscapeThis section discusses the shifting higher education policy landscape including changes in student funding between 2002 and 2015 and implications for student debt. Student funding policy changes 2002-2015The evolution of higher education funding systems, in England and elsewhere, is dominated by prevailing political and ideological currents, rather than purely economic and pragmatic considerations. Recently England, like many countries, has moved from a system where the costs of funding higher education are shouldered primarily by taxpayers, through government subsidies, to one where students pay a larger share. This cost-sharing approach, a global phenomenon, seeks to increase the total resources available to higher education, especially from non-governmental or private sources (McMahon 2009;Johnstone and Marcucci 2010).3

show abstract

“…Historically, women and people from lower socio-economic groups were found to have lower levels of debt on average (Hesketh 1999;Morgan, Roberts and Powdrill 2001;Lea, Webley and Bellamy 2001;Universities UK 2003;Kettley, Whitehead and Raffan 2008). These groups were hypothesised to have an inherent aversion leading them to self-regulate borrowing.…”

Section: Literature Reviewmentioning

confidence: 99%

Towards a typology of debt attitudes among contemporary young UK undergraduates

Harrison

Chudry

Waller

et al. 2013

Journal of Further and Higher Education

View full text Add to dashboard Cite

Worried women, complacent men? Gendered responses to differential student funding in higher education

Cited by 16 publications

References 10 publications

Overactive, overwrought or overdrawn? The role of personality in undergraduate financial knowledge, decision‐making and debt

Overactive, overwrought or overdrawn? The role of personality in undergraduate financial knowledge, decision‐making and debt

Does Student Loan Debt Deter Higher Education Participation? New Evidence from England

Towards a typology of debt attitudes among contemporary young UK undergraduates

Contact Info

Product

Resources

About