{"title":"超越财务需求:学生贷款和学生贷款态度的预测因素","authors":"J. Norvilitis, Meghan J Batt","doi":"10.55504/0884-9153.1574","DOIUrl":null,"url":null,"abstract":"Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan resignation attitudes predicted level of student loan debt. In addition, locus of control, delay of gratification, and social comparison are also related to loans and loan attitudes. Parental instruction marginally predicted loan attitudes, but not loan totals. Overall, these results suggest the need to consider non-need based factors when counseling students about accepting loans.","PeriodicalId":53969,"journal":{"name":"Journal of Student Financial Aid","volume":"25 1","pages":""},"PeriodicalIF":0.9000,"publicationDate":"2016-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"9","resultStr":"{\"title\":\"Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes\",\"authors\":\"J. Norvilitis, Meghan J Batt\",\"doi\":\"10.55504/0884-9153.1574\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan resignation attitudes predicted level of student loan debt. In addition, locus of control, delay of gratification, and social comparison are also related to loans and loan attitudes. Parental instruction marginally predicted loan attitudes, but not loan totals. Overall, these results suggest the need to consider non-need based factors when counseling students about accepting loans.\",\"PeriodicalId\":53969,\"journal\":{\"name\":\"Journal of Student Financial Aid\",\"volume\":\"25 1\",\"pages\":\"\"},\"PeriodicalIF\":0.9000,\"publicationDate\":\"2016-12-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"9\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Student Financial Aid\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.55504/0884-9153.1574\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"EDUCATION & EDUCATIONAL RESEARCH\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Student Financial Aid","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.55504/0884-9153.1574","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"EDUCATION & EDUCATIONAL RESEARCH","Score":null,"Total":0}
Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes
Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan resignation attitudes predicted level of student loan debt. In addition, locus of control, delay of gratification, and social comparison are also related to loans and loan attitudes. Parental instruction marginally predicted loan attitudes, but not loan totals. Overall, these results suggest the need to consider non-need based factors when counseling students about accepting loans.
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