1) This is a photo of the journal that published this article
3) This article is about the effects of student loans on the mental health of students, primarily the stress of paying them back. And exact quote that sums up the analysis is this, This study investigated two questions: 1) what is the association between the cumulative amount of student loans borrowed over the course of schooling and psychological functioning when individuals are 25-31 years old; and 2) what is the association between annual student loan borrowing and psychological functioning among currently enrolled college students? We also examined whether these relationships varied by parental wealth, college enrollment history."
4) There are three authors: Katrina M Walsemann, Gilbert C Gee, and Danielle Gentile. Walsemann is a PHD in public health, which I think is extremely ideal for this topic because her research is in promoting better health and welfare of communities of people. Gee is a PHD in Health Equity. I think together, this group is extremely educated on the health of large populations.
5) Psychological functioning is one phrase used all throughout the article. Meaning, the article looks to see the relation of loans and psychological functioning. Loan Borrowing is another term. Frequently, throughout the analysis the authors use "borrowed amount."
6) Found in the abstract on page one, the authors give a quick sum up on their findings, Student loans were associated with poorer psychological functioning, adjusting for covariates, "in both the multivariate linear regression and the within-person fixed effects models. This association varied by level of parental wealth in the multivariate linear regression models only, and did not vary by college enrollment history or educational attainment," (1). In the results section, when addressing parental wealth, the article stated, "Among individuals whose parents had negative net worth, psychological functioning improved with increasing amounts of student loans b ¼ 0.39 (0.09 รพ 0.48). In comparison, individuals from the wealthiest families experienced poorer psychological functioning with greater amounts of student loans (b ¼ 0.09, p < 0.05). Individuals from families with low and middle net worth did not differ significantly from those from the wealthiest families," (89). And finally, when addressing the borrowing of different kinds of students, the article stated"Cumulative student loans were lowest among those attending 2-year colleges ($1751), compared to transfer students ($7279) and those attending 4-year colleges only ($7002). Two-year college students were also the most socioeconomically disadvantaged; 30.4%, 23.8% and 20.6% of 2-year, transfer, and 4-year students, respectively, were in the bottom quartile of income in 2010," (89).
7) This article is of value because I can use it for a counter argument-argument. When you first read through the results you would think that they are against my argument, and in a way they are. They state that students with the most cumulative loans have better psychological functioning. But these students are students with parents that have very low net worth or none at all, meaning that they have nothing to pay out of pocket. When they get cumulative loans, these are loans that they do not have ot pay back right away and thus the stress is alleviated while in school. For students with very wealthy parents that have to take out loans, psychological functioning is lower. It is understandable for students who have never had to worry about money before. I think that there is a lot I can do with research like this.
No comments:
Post a Comment