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Increases in Graduate Student Debt in the US: 2000 to 2016.

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Title: Increases in Graduate Student Debt in the US: 2000 to 2016.
Authors: Webber, Karen L.1 (AUTHOR) kwebber@uga.edu, Burns, Rachel2 (AUTHOR)
Source: Research in Higher Education. Aug2021, Vol. 62 Issue 5, p709-732. 24p. 4 Charts, 1 Graph.
Subject Terms: *Graduate students, *African American students, *Student financial aid, *Graduate education, *Hispanic Americans, Debt, Ethnic groups
Abstract: With enrollments rising in recent years, more than half of all graduate level students in US institutions take on educational loans. Using data from the National Postsecondary Student Aid Study (NPSAS), this study examined educational debt for graduate and professional students in 2000 and 2016 and explored whether significant predictors of debt changed over time. Results show that those with undergraduate debt were more likely to take on loans for graduate school and that Black/African American students borrowed significantly more than graduate students in other racial/ethnic groups. Findings also showed that institutional reliance on tuition and being Black/African American and Hispanic/Latino were more significantly associated with borrowing in 2016 than in 2000. Consistent with notions of human capital, graduate level education may offer higher long-term salaries and higher quality of life. However, increasing graduate level debt may curtail other life choices, may discourage students from enrolling and persisting, or may motivate degree earners to pursue different program or career options due to accumulated loans. [ABSTRACT FROM AUTHOR]
Copyright of Research in Higher Education is the property of Springer Nature and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)
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  Data: Increases in Graduate Student Debt in the US: 2000 to 2016.
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  Data: <searchLink fieldCode="AR" term="%22Webber%2C+Karen+L%2E%22">Webber, Karen L.</searchLink><relatesTo>1</relatesTo> (AUTHOR)<i> kwebber@uga.edu</i><br /><searchLink fieldCode="AR" term="%22Burns%2C+Rachel%22">Burns, Rachel</searchLink><relatesTo>2</relatesTo> (AUTHOR)
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  Data: <searchLink fieldCode="JN" term="%22Research+in+Higher+Education%22">Research in Higher Education</searchLink>. Aug2021, Vol. 62 Issue 5, p709-732. 24p. 4 Charts, 1 Graph.
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  Data: *<searchLink fieldCode="DE" term="%22Graduate+students%22">Graduate students</searchLink><br />*<searchLink fieldCode="DE" term="%22African+American+students%22">African American students</searchLink><br />*<searchLink fieldCode="DE" term="%22Student+financial+aid%22">Student financial aid</searchLink><br />*<searchLink fieldCode="DE" term="%22Graduate+education%22">Graduate education</searchLink><br />*<searchLink fieldCode="DE" term="%22Hispanic+Americans%22">Hispanic Americans</searchLink><br /><searchLink fieldCode="DE" term="%22Debt%22">Debt</searchLink><br /><searchLink fieldCode="DE" term="%22Ethnic+groups%22">Ethnic groups</searchLink>
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  Data: With enrollments rising in recent years, more than half of all graduate level students in US institutions take on educational loans. Using data from the National Postsecondary Student Aid Study (NPSAS), this study examined educational debt for graduate and professional students in 2000 and 2016 and explored whether significant predictors of debt changed over time. Results show that those with undergraduate debt were more likely to take on loans for graduate school and that Black/African American students borrowed significantly more than graduate students in other racial/ethnic groups. Findings also showed that institutional reliance on tuition and being Black/African American and Hispanic/Latino were more significantly associated with borrowing in 2016 than in 2000. Consistent with notions of human capital, graduate level education may offer higher long-term salaries and higher quality of life. However, increasing graduate level debt may curtail other life choices, may discourage students from enrolling and persisting, or may motivate degree earners to pursue different program or career options due to accumulated loans. [ABSTRACT FROM AUTHOR]
– Name: AbstractSuppliedCopyright
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  Data: <i>Copyright of Research in Higher Education is the property of Springer Nature and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract.</i> (Copyright applies to all Abstracts.)
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        Value: 10.1007/s11162-020-09611-x
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      – SubjectFull: Student financial aid
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              Text: Aug2021
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