Graduate Thesis Or Dissertation
 

The effect of Pell Grants and other factors on debt accumulation of Stafford Loan recipients

Public Deposited

Downloadable Content

Download PDF
https://ir.library.oregonstate.edu/concern/graduate_thesis_or_dissertations/jw827d96z

Descriptions

Attribute NameValues
Creator
Abstract
  • The purpose of the present study was to investigate the effect that Pell Grants have on Stafford Loan debt accumulation and to identify other factors that affect Stafford Loan debt accumulation. The sample consisted of 32,525 dependent undergraduate students from more than 100 different four-year public institutions. All the students received Stafford Loans but only a portion of these students received federal Pell Grants. There were eight socio-demographic variables used in the regression analysis equation to explain accumulated Stafford Loan debt of dependent undergraduate students. The association between Stafford Loans and Pell Grants was significant. The direction was positive meaning that the fact of receiving a grant was not associated with lower levels of accumulated debt but, in fact, seemed to be related to increased levels of debt. The study also identified other factors influencing accumulated student debt. Age of the student, and price of tuition and fees were related to higher debt levels. Non-tuition financial support by parents, and level of student earnings were negatively associated with Stafford Loan debt accumulation. Gender, Race/Ethnicity, and Number of Credit Cards with a Debt Balance were not related to the level of debt accumulation at a .05 level of significance.
License
Resource Type
Date Available
Date Issued
Degree Level
Degree Name
Degree Field
Degree Grantor
Commencement Year
Advisor
Committee Member
Non-Academic Affiliation
Subject
Rights Statement
Publisher
Peer Reviewed
Language
Digitization Specifications
  • File scanned at 300 ppi (Monochrome) using ScandAll PRO 1.8.1 on a Fi-6670 in PDF format. CVista PdfCompressor 4.0 was used for pdf compression and textual OCR.
Replaces

Relationships

Parents:

This work has no parents.

In Collection:

Items

Thumbnail Title Date Uploaded Visibility Actions
file details PiccolaSchmidtMichelleLouise2005.pdf 2017-08-02 Public Download