Yes, No, Maybe So: College Students’ Attitudes Regarding Debt

Zerquera, Desiree D.; McGowan, Brian L.; Ferguson, Tomika L.

doi:10.1353/csd.2016.0067

Cited by 5 publications

(5 citation statements)

References 7 publications

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“…Families serve as a "source of knowledge" for borrowers, although some families are better equipped than others to provide such knowledge, as well as "emotional support" in the borrowing process (Baker 2019). Parents and siblings can also serve as negative models that lead students to avoid taking on debt, after seeing the struggles of family members to repay (Zerquera, McGowan, and Ferguson 2016).…”

Section: Student Loan Borrowing and Its Relational Effectsmentioning

confidence: 99%

Parents, Partners, Plans, and Promises: The Relational Work of Student Loan Borrowing

Stivers

Berman

2020

Socius: Sociological Research for a Dynamic World

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When does student loan borrowing prompt relational work between borrowers and family members? Research on student loans has focused on quantitative estimation of the effects of borrowing on educational attainment, economic well-being, health, and life-course milestones. Drawing on 60 interviews with lawyers in the northeastern United States, the authors argue that student loans also have underappreciated relational effects, even for relatively privileged borrowers. Relational work around student loans is particularly visible during the decision to borrow, when establishing partnerships, and in transitioning to parenthood. It becomes prominent when there is a mismatch between family members’ economic expectations of one another and when shared expectations are difficult to fulfill. Scholars have implicitly assumed that difficulty repaying explains the impact of borrowing on family formation. Attention to relational work, however, shows how debt can create stressors even for borrowers capable of repayment and may help explain cross-group variation in how debt affects family decisions.

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Section: Student Loan Borrowing and Its Relational Effectsmentioning

confidence: 99%

Parents, Partners, Plans, and Promises: The Relational Work of Student Loan Borrowing

Stivers

Berman

2020

Socius: Sociological Research for a Dynamic World

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“…Families serve as a "source of knowledge" for borrowers, although some families are better equipped than others to provide such knowledge, as well as "emotional support" in the borrowing process (D. Baker 2019). Parents and siblings can also serve as negative models that lead students to avoid taking on debt, after seeing the struggles of family members to repay (Zerquera, McGowan, and Ferguson 2016).…”

mentioning

confidence: 99%

Parents, Partners, Plans and Promises: The Relational Work of Student Loan Borrowing

Stivers¹,

Berman²

2019

Preprint

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When does student loan borrowing prompt relational work between borrowers and their family members? Research on student loans has focused on quantitative estimation of the effects of borrowing on educational attainment, economic well-being, health, and life course milestones. Drawing on sixty interviews with respondents working as lawyers in the northeastern U.S., we argue that student loans also have underappreciated relational effects, even for relatively privileged borrowers. Relational work around student loans is particularly visible during three important moments: the decision to borrow, the decision to partner, and when planning children’s futures. While scholars have examined the effects of borrowing on marriage and childbearing decisions, they have implicitly assumed that it is difficulty repaying that causes such effects. Attention to relational work, however, shows how debt can create additional burdens even when borrowers have the ability to repay, and may help explain why similar debt levels affect different groups differently.

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“…This may be related to the fact that public universities in Brazil are free. In a context like the United States, this situation may be different (Zerquera et al , 2016).…”

Section: Analysis Of the Resultsmentioning

confidence: 99%

Can personality traits influence Brazilian university students' financial literacy?

Goulart

Costa

Paraboni

et al. 2022

RBF

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PurposeThe objective of the present study is to assess the financial literacy levels of students at a Brazilian university and investigate how these levels are affected by profile characteristics and personality traits.Design/methodology/approachData were collected using SurveyMonkey, and a link to the questionnaire was sent by e-mail. The questionnaire contains three blocks of questions: demographics, financial literacy and personality traits. Ordered logistic regression was applied to a sample of 1,312 students.FindingsYounger participants, those with higher incomes and men were more likely to have a high level of financial literacy. The same was true of those who were less extrovert, i.e. assertive, sociable, optimistic and communicative students. These results contribute to the field by indicating which population segments should be prioritized in efforts to promote financial literacy.Originality/valueTo the best of our knowledge, no study has compared Financial Literacy and Personality Traits in Brazil, a developing country that is only beginning to develop national financial literacy strategies.

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Yes, No, Maybe So: College Students’ Attitudes Regarding Debt

Cited by 5 publications

References 7 publications

Parents, Partners, Plans, and Promises: The Relational Work of Student Loan Borrowing

Parents, Partners, Plans, and Promises: The Relational Work of Student Loan Borrowing

Parents, Partners, Plans and Promises: The Relational Work of Student Loan Borrowing

Can personality traits influence Brazilian university students' financial literacy?

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