ERIC Number: EJ804936
Record Type: Journal
Publication Date: 2008-Nov
Abstractor: As Provided
Reference Count: 0
Understanding High School Students' Willingness to Borrow to Pay College Prices
Perna, Laura W.
Research in Higher Education, v49 n7 p589-606 Nov 2008
Although the use of loans to finance postsecondary educational expenses seems commonplace, the emphasis of the U.S. financial aid system on loans may limit college opportunity for individuals who are unwilling or unable to incur this type of debt. This study uses data from descriptive case studies of 15 high schools to examine four guiding questions: What are high school students' perceptions of loans? How do parents and school staff shape students' perceptions of loans? What other forces contribute to students' perceptions of loans? How do students' perceptions of loans vary across schools? The findings illustrate that, although virtually all students are aware of loans, willingness to borrow varies across schools. The study also describes the ways that families and school personnel shape students' perceptions of loans. The paper concludes with implications for policy, practice, and future research.
Descriptors: Student Attitudes, Student Financial Aid, School Personnel, High School Students, Paying for College, Loan Repayment, Debt (Financial), Higher Education, Case Studies, Teacher Influence, Parent Influence, Family Influence
Springer. 233 Spring Street, New York, NY 10013. Tel: 800-777-4643; Tel: 212-460-1500; Fax: 212-348-4505; e-mail: firstname.lastname@example.org; Web site: http://www.springerlink.com
Publication Type: Journal Articles; Reports - Research
Education Level: High Schools; Higher Education
Authoring Institution: N/A