Earticle

초록

영어

This study examined which factors influence the parental borrowing for children's college education in the U.S. A double-hurdle model was applied to analyze both the parents’decision to borrow and the amount of borrowing. Parents’income and total costs of college attendance had significant positive effects on both the decision to borrow and the amount borrowed. Students’income, parents’cash and savings had significant negative impacts on the amount borrowed, while home equity and the students’expected future income were significant positive factors. Greater amounts of grants significantly increased the probability of borrowing, but reduced the loan amount. Parents with smaller household size, and those who were college graduates were more likely to borrow. White parents borrowed greater amounts than did their non-White counterparts. The age of the student was a significant negative factor in the probability, as well as the level, of borrowing.

목차

Abstract
 I. 서론
 II. 선행연구 고찰
  1. 자녀의 대학교육을 위한 부모의 재정적 기여
  2. 대학교육을 위한 학자금 대출
 III. 연구방법
  1. 연구문제
  2. 연구대상
  3. 측정도구의 구성
  4. 연구모델 및 분석방법
 IV. 연구결과 및 논의
  1. 대학학자금 대출자와 비대출자 간의 일반적 특성 비교
  2. 대출여부 및 대출액에 영향을 미치는 요인
 V. 결론 및 제언
 참고문헌

저자

• 차경욱 [ Kyung-Wook Cha | 이화여자대학교 소비자인간발달학과 강사 ]

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  가족자원경영과 정책(구 한국가족자원경영학회지) [Journal of Family Resource Management and Policy Review]

• 간기

  계간

• pISSN

  1738-0391

• eISSN

  2713-9662

• 수록기간

  1997~2026

• 등재여부

  KCI 등재

• 십진분류

  KDC 590 DDC 640