Does the Fear of Debt Constrain Choice of University and Subject of Study?

Autor/inn/en	Callender, Claire; Jackson, Jonathan
Titel	Does the Fear of Debt Constrain Choice of University and Subject of Study?
Quelle	In: Studies in Higher Education, 33 (2008) 4, S.405-429 (25 Seiten)Infoseite zur Zeitschrift PDF als Volltext Verfügbarkeit
Sprache	englisch
Dokumenttyp	gedruckt; online; Zeitschriftenaufsatz
ISSN	0307-5079
Schlagwörter	Higher Education; Social Class; Debt (Financial); Foreign Countries; Employment Opportunities; Student Financial Aid; Fear; Educational Policy; Disadvantaged; Low Income Groups; Legislation; Student Surveys; Student Costs; Student Attitudes; College Choice; Course Selection (Students); Majors (Students); United Kingdom; United Kingdom (England) + Suchen Sie Ihr Suchwort? Hochschulbildung; Hochschulsystem; Hochschulwesen; Social classes; Soziale Klasse; Ausland; Berufschance; Beschäftigungschance; Finanzielle Beihilfe; Studienfinanzierung; Studienförderung; Furcht; Politics of education; Bildungspolitik; Gesetzgebungslehre; Schülerbefragung; Studienkosten; Schülerverhalten; Studienortwahl; Course selection; Student; Students; Kurswahl; Großbritannien
Abstract	The new student funding regime introduced by the 2004 Higher Education Act in England is predicated on the accumulation of student debt. Variable tuition fees, repaid by student loans, will increase average student loan debt on graduation. This article examines how fear of debt and financial constraints affect prospective students' choices of where and what to study. Using data derived from a survey of about 2000 prospective students, it shows that financial issues constrain lower social class students' choice of university far more than those from other social classes. It demonstrates that fear of debt is related to two key financially-driven decisions--applying to a university with low living costs, and applying to one with good term-time employment opportunities--but only for students from low-income families. However, concerns about debt do not influence their choice of qualification and subject. The article concludes that low-income students are more likely than their wealthier peers to perceive the costs of higher education as a debt rather than an investment. (Contains 7 tables.) (As Provided).
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Erfasst von	ERIC (Education Resources Information Center), Washington, DC
Update	2017/4/10