Student loan debt and income among chiropractors: A description of consultancy data.

IF 0.7 Q4 EDUCATION, SCIENTIFIC DISCIPLINES

Journal of Chiropractic Education Pub Date : 2024-10-23 DOI:10.7899/JCE-23-31

Samuel M Schut, Dana J Lawrence, Geronimo Bejarano

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引用次数: 0

Abstract

Objective: To describe student loan debt and income of doctors of chiropractic (DC) who sought private student loan counseling.

Methods: A descriptive analysis of de-identified client records from a student debt consulting firm (Student Loan Planner®) was conducted. Data regarding chiropractic programs, cumulative student loan amounts, and current incomes at the time of consultation were abstracted. Descriptive statistics were reported.

Results: Consultations (n = 448) were completed with DCs between March 2017 and August 2023. Nearly half (44.2%) reported student loan indebtedness between $150,000 and $249,999 with another 35.7% indicating between $250,000 and $349,999. The mean student loan debt was $249,149 (SD: $82,892) with a median of $240,000 (interquartile range [IQR]: $199,507-$295,390). The mean income for DCs in this sample was $81,305 (SD: $47,495) with a median income of $75,000 (IQR: $50,000-$100,000). The mean debt-to-income ratio was 4.11 (SD: 2.93) with a median of 3.38 (IQR: 2.21-5.16). Sixteen consultees possessed a debt-to-income ratio below 1.00, whereas more than a quarter (26.3%) of consultees reported a debt-to-income ratio greater than 5.00.

Conclusion: DCs seeking debt guidance commonly carry substantial student loan debt that far exceeds their income. Our findings highlight that the student loan debt crisis includes DCs.

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脊骨神经科医生的学生贷款债务与收入：咨询数据说明。

目的描述寻求私人学生贷款咨询的脊骨神经科医生（DC）的学生贷款债务和收入情况：方法：对一家学生债务咨询公司（Student Loan Planner®）的去身份化客户记录进行描述性分析。摘录了有关脊骨神经科学专业、累计学生贷款金额以及咨询时的当前收入的数据。报告了描述性统计结果：2017年3月至2023年8月期间，脊骨神经科医生完成了咨询（n = 448）。近一半（44.2%）的人表示学生贷款负债在 150,000 美元至 249,999 美元之间，另有 35.7% 的人表示在 250,000 美元至 349,999 美元之间。学生贷款债务的平均值为 249,149 美元（标准差：82,892 美元），中位数为 240,000 美元（四分位数间距 [IQR]：199,507-295,390 美元）。样本中的区议会平均收入为 81,305 美元（标准差：47,495 美元），收入中位数为 75,000 美元（IQR：50,000-100,000 美元）。债务与收入比率的平均值为 4.11（标准差：2.93），中位数为 3.38（IQR：2.21-5.16）。16 名受访者的债务与收入比率低于 1.00，而超过四分之一（26.3%）的受访者报告债务与收入比率高于 5.00：尋求債務輔導的區議會議員普遍欠下巨額學生貸款，遠超過其收入。我们的调查结果显示，学生贷款债务危机也包括区议会。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Chiropractic Education EDUCATION, SCIENTIFIC DISCIPLINES-

CiteScore

2.20

自引率

37.50%

发文量

期刊介绍： The Journal of Chiropractic Education is an international, peer-reviewed journal dedicated to publishing research and scholarly articles pertaining to education theory, pedagogy, methodologies, practice, and other content relevant to the health professions academe. Journal contents are of interest to teachers, researchers, clinical educators, administrators, and students.