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Disparities in American Graduate Students’ Tendency to Borrow: Race, Family Background, and Major

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  • Lian Niu

Abstract

This study uses National Postsecondary Student Aid Study of 2012 data to examine disparities in graduate students’ borrowing tendency. Results show Black and Hispanic students, students in education, humanities, and social sciences, and students of parents with lower education level are more likely to borrow for graduate education, even after controlling for financial factors and enrollment pattern. Institution’s size and student body racial distribution are associated with borrowing likelihood, while no gender difference is detected.

Suggested Citation

  • Lian Niu, 2016. "Disparities in American Graduate Students’ Tendency to Borrow: Race, Family Background, and Major," International Journal of Higher Education, Sciedu Press, vol. 5(4), pages 194-194, November.
    • Handle: RePEc:jfr:ijhe11:v:5:y:2016:i:4:p:194
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    References listed on IDEAS

    as
    1. Catherine M. Millett, 2003. "How Undergraduate Loan Debt Affects Application and Enrollment in Graduate or First Professional School," The Journal of Higher Education, Taylor & Francis Journals, vol. 74(4), pages 386-427, July.
    2. Rumberger, Russell W. & Thomas, Scott L., 1993. "The economic returns to college major, quality and performance: A multilevel analysis of recent graduates," Economics of Education Review, Elsevier, vol. 12(1), pages 1-19, March.
    3. Dongbin Kim & Cindy Otts, 2010. "The Effect of Loans on Time to Doctorate Degree: Differences by Race/Ethnicity, Field of Study, and Institutional Characteristics," The Journal of Higher Education, Taylor & Francis Journals, vol. 81(1), pages 1-32, January.
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    More about this item

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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