Abstract/Details

The influence of student loan debt burden on the life choices of African -American bachelor's degree graduates: A phenomenological study of selected graduates of a midwest university


2005 2005

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Abstract (summary)

The purpose of this study was to understand the influence of student loan debt on the life choices of African-American Bachelor's Degree graduates of a Midwest, Research I University. Phenomenological in nature, the study addressed a grand tour question—what is the influence of student loan debt burden on the life choices of African American bachelor degree graduates? The study also examined eight research sub-questions and topical questions designed to assess the influence of student loan debt on life choices and how student loan debt burden was best explained for the participants.

Data were obtained by conducting structured, face-to-face interviews. The criteria to participate were: (a) identify as African-American, (b) received a baccalaureate degree from the University, and (c) used a federal student loan (Perkins and/or Stafford). Participants were acquired by using a snowballing technique.

The findings were: Student loan debt influenced life choices on a daily basis for some graduates. Student loan debt had little influence on when the participants would marry; however, it dissuaded participants from having children. Student loan debt had little influence on automobile purchases, but it significantly impeded home purchases. Student loan debt had no influence on career choice, but it dissuaded participants from acquiring more debt to attend graduate school. Student loan debt significantly reduced some graduates' ability to save. Student loan debt was a burden for the graduates because (a) the graduates believe they were naive and young when they acquired their student loan debt, (b) it was difficult to find employment quickly after graduation and the compensation was low when employment was found, (c) the length of repayment was too long, (d) the graduates believed they were allowed to borrow too much, and (e) the graduates believe they did not receive “true” counseling and guidance on student loan debt and viable alternatives to paying for college.

Indexing (details)


Subject
Higher education;
School administration;
African Americans
Classification
0745: Higher education
0514: School administration
0325: African Americans
Identifier / keyword
Social sciences; Education; African-American; Bachelor's degree; Debt burden; Graduates; Life choices; Midwest; Student loan; University
Title
The influence of student loan debt burden on the life choices of African -American bachelor's degree graduates: A phenomenological study of selected graduates of a midwest university
Author
Samuel, Bryan D'von
Number of pages
197
Publication year
2005
Degree date
2005
School code
0138
Source
DAI-A 66/05, Dissertation Abstracts International
Place of publication
Ann Arbor
Country of publication
United States
ISBN
9780542160288, 0542160285
Advisor
Hoover, Richard; Uerling, Donald
University/institution
The University of Nebraska - Lincoln
University location
United States -- Nebraska
Degree
Ph.D.
Source type
Dissertations & Theses
Language
English
Document type
Dissertation/Thesis
Dissertation/thesis number
3176802
ProQuest document ID
305430136
Copyright
Database copyright ProQuest LLC; ProQuest does not claim copyright in the individual underlying works.
Document URL
http://search.proquest.com/docview/305430136
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