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DO ATTITUDES MATTER?
ATTITUDES TOWARDS DEBT AND GRADUATE STUDENT LOAN DEBT
by
Rick Garcia and Emily Chung
__________________________________________________
A Dissertation Presented to the
FACULTY OF THE USC ROSSIER SCHOOL OF EDUCATION
UNIVERSITY OF SOUTHERN CALIFORNIA
In Partial Fulfillment of the
Requirements for the Degree
DOCTOR OF EDUCATION
August 2015
Copyright 2015 Emily Chung and Rick Garcia
Object Description
| Title | Do attitudes matter? attitudes towards debt and graduate student loan debt |
| Author | Garcia, Richard C. |
| Author email | rcgarcia@usc.edu;rgarcia311@verizon.net |
| Degree | Doctor of Education |
| Document type | Dissertation |
| Degree program | Education (Leadership) |
| School | Rossier School of Education |
| Date defended/completed | 2015-03-10 |
| Date submitted | 2015-04-23 |
| Date approved | 2015-04-23 |
| Restricted until | 2015-04-23 |
| Date published | 2015-04-23 |
| Advisor (committee chair) | Venegas, Kristan M. |
| Advisor (committee member) |
Melguizo, Tatiana Malloy, Courtney L. |
| Abstract | This dissertation contributes to a small but growing body of research on graduate student loan debt. We designed a survey to measure whether debt attitudes were related to the amounts master’s students at a large, urban, research university borrowed to finance a year of graduate study. Overall, we found that debt attitudes are related to the amounts borrowed by the respondents in our study. Our theoretical framework of rational choice, human capital, and behavioral economic theories revealed that respondents’ borrowing decisions are influenced by considerations of cost‐benefit analyses, long‐term returns on investment, and irrational aversions to debt. The implications of this research are that that institutional revenue streams need to rely less upon master’s students deficit financing their degree programs, financial aid and admissions professionals should proactively outreach to prospective borrowers, and that greater transparency is needed on the topic of graduate student borrowing and career outcomes. |
| Keyword | federal student aid; loans; borrowing; graduate students; master's students; financial aid |
| Language | English |
| Format (imt) | application/pdf |
| Part of collection | University of Southern California dissertations and theses |
| Publisher (of the original version) | University of Southern California |
| Place of publication (of the original version) | Los Angeles, California |
| Publisher (of the digital version) | University of Southern California. Libraries |
| Provenance | Electronically uploaded by the author |
| Type | texts |
| Legacy record ID | usctheses-m |
| Contributing entity | University of Southern California |
| Rights | Garcia, Richard C. |
| Physical access | The author retains rights to his/her dissertation, thesis or other graduate work according to U.S. copyright law. Electronic access is being provided by the USC Libraries in agreement with the author, as the original true and official version of the work, but does not grant the reader permission to use the work if the desired use is covered by copyright. It is the author, as rights holder, who must provide use permission if such use is covered by copyright. The original signature page accompanying the original submission of the work to the USC Libraries is retained by the USC Libraries and a copy of it may be obtained by authorized requesters contacting the repository e-mail address given. |
| Repository name | University of Southern California Digital Library |
| Repository address | USC Digital Library, University of Southern California, University Park Campus MC 7002, 106 University Village, Los Angeles, California 90089-7002, USA |
| Repository email | cisadmin@lib.usc.edu |
| Filename | etd-GarciaRich-3381.pdf |
| Archival file | Volume2/etd-GarciaRich-3381.pdf |
Description
| Title | Page 1 |
| Repository email | cisadmin@lib.usc.edu |
| Full text | DO ATTITUDES MATTER? ATTITUDES TOWARDS DEBT AND GRADUATE STUDENT LOAN DEBT by Rick Garcia and Emily Chung __________________________________________________ A Dissertation Presented to the FACULTY OF THE USC ROSSIER SCHOOL OF EDUCATION UNIVERSITY OF SOUTHERN CALIFORNIA In Partial Fulfillment of the Requirements for the Degree DOCTOR OF EDUCATION August 2015 Copyright 2015 Emily Chung and Rick Garcia |
