Understanding Undergraduate Student Borrowing in China: A Qualitative Analysis

IF 0.9 Q3 EDUCATION & EDUCATIONAL RESEARCH
Hanwen Zhang
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引用次数: 0

Abstract

As China moved from elite to mass higher education, student borrowers as the product of state intervention have surged. Yet little attention has been paid to their voices. This study conducts reflexive thematic analysis with a qualitative inquiry into lived experiences of 41 current borrowers. A five-factor typology of debt attitudes yields a dynamic explanation of debt and repayment complexities. Students perceive borrowing as an investment in human and social capital. They are, however, cautious of consumer credit. Far from being a deterrent or added burden, educational indebtedness grants them a measure of freedom and autonomy in college. And they consider debt repayment manageable, mainly if a family safety net exists.
理解中国大学生借贷:一个定性分析
随着中国高等教育从精英教育转向大众教育,作为国家干预产物的学生借贷者激增。然而,他们的声音却很少受到关注。本研究对41位当前借款人的生活经历进行了反身性专题分析和定性调查。债务态度的五因素类型学产生了对债务和偿还复杂性的动态解释。学生认为借贷是对人力和社会资本的投资。然而,他们对消费信贷持谨慎态度。教育债务非但没有成为一种威慑或增加负担,反而给了他们在大学里一定程度的自由和自主权。他们认为债务偿还是可控的,主要是在有家庭安全网的情况下。
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来源期刊
Journal of Student Financial Aid
Journal of Student Financial Aid EDUCATION & EDUCATIONAL RESEARCH-
自引率
25.00%
发文量
19
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