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The cost of access: Racial disparities in student loan burdens of young adults
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Student loans have become a social-financial issue in the United States. This study uses a nationally representative dataset to examine the association between financial socialization and student loan borrowing behavior of individuals after controlling a number of different socio-demographic factors. Results show that the financial burdens of college education, such as borrowing and the dollar amounts of a loan, are higher for Blacks, however, their college attendance is significantly lower than Whites. Blacks are more independent and receive less financial support from family and relatives than Whites. The wealth gap that exists between Black and White parents may contribute to the disparity. Additional financial resources for higher education as well as financial education and counseling may be needed to create better academic access for the vulnerable underserved groups including minority students.
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MPRC People
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Jinhee Kim, Ph.D.
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JinHee Kim Publications
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Cohen notes complex decision-making around pregnancy
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COVID-19 "baby bust" will have long term effects
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News
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Adriana Lleras-Muney, UCLA
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Intergenerational Correlations in Longevity
Located in
Coming Up
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Cohen comments on birth declines in some states
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Located in
News
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Challenging Stereotypes: A Counter-Narrative of the Contraceptive Experiences of Low-Income Latinas
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Purpose: Reproductive autonomy is associated with educational attainment, advanced employment, and wellbeing. While U.S. Latinas use contraception to control their own childbearing and have reported a desire to do so, they often use it inconsistently and have the lowest rates of contraceptive use of any group. Reasons previously cited for why Latinas do not use contraception compared with non-Latino white women include lack of access, lack of knowledge, language barriers, emphasis on large families, machismo, and religiosity. These reasons are often overly simplistic and can lead to widespread generalizations about Latinas. Methods: Using focus groups and semistructured interviews from November 2014 through June 2015, this study describes the family planning perspectives and experiences of 16 Latinas living in Baltimore and recruited from two federally qualified health centers. A social determinant of health framework was used to guide identification of important concepts and explain findings. Results: Results demonstrated that respondents reported contraceptive agency and claimed autonomy over their bodies; described a sense of responsibility and often expressed caution about having families too large to care for; expressed educational and career aspirations; and perceived contraception as critical for the postponement of childbearing to achieve their goals. Conclusion: The patient/provider encounter should include communication that recognizes all patient preferences and lived experiences to support vulnerable and/or marginalized Latinas in their desires to control their own childbearing and life choices.
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Retired Persons
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Ruth Zambrana, Ph.D.
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Ruth Zambrana Publications
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Kearney comments on Universal Basic Income for children story
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Wall Street Journal
Located in
News
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Gender, Transport, and Employment in Mumbai
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Maureen Cropper and colleagues examine mobility patterns and a gender gap
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Research
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Selected Research
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Cohen comments on fertility in COVID times
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Research shows that the US is facing the biggest slump in births in a century and in parts of Europe the decline is even steeper
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News
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Cohen comments on fertility drop
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Business Insider story examines "pandemic baby-bust"
Located in
News
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Philip Cohen featured in The New York Times on gender-neutral pronoun
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Americans still reluctant to use the pronoun "she" to describe the president, even hypothetically
Located in
News