Theses and Dissertations

Date of Award

12-1-2024

Document Type

Dissertation

Degree Name

Doctor of Education (EdD)

Department

Curriculum & Instruction

First Advisor

Ignacio E. Rodriguez

Second Advisor

Laura Jewett

Third Advisor

Jair Aguilar

Abstract

Published research into the student loan debt problem reveals a disproportionate impact on underrepresented groups within higher education, notably Hispanics, African Americans, and women students. Research on student loan debt underscores that lower-income and first-generation college students are significantly more affected when compared to their higher-income counterparts. The escalating trends in student loan debt are forcing college-going students in the United States to postpone major life events such as homeownership, marriage, and starting a family. The burden of high student debt negatively influences the accumulation of family wealth, including critical aspects such as home ownership, retirement savings, investments, and other assets essential for financial security (National Center for Education Statistics, PowerStats). The true financial success of individuals is not merely measured by income but is intrinsically tied to wealth accumulation. The capacity to amass wealth addresses societal racial inequality issues (Oliver & Shapiro, 2013). This research study will make a careful examination of student loan debt trends over a 34-year for women. An ANOVA analysis is used to determine if there are statistical significances among the groups of women in the study. The researcher decided to focus on women with student loan debt because of the $1.75 Trillion in outstanding student loan debt, 56% of debt is held by women.

Comments

Copyright 2024 Arnoldo Trejo. https://proquest.com/docview/3148133270

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