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Borrowing The Future: The Role Of Student Debt In Undergraduate Students’ Postgraduate Life

وام‌گیری از آینده: نقش بدهی دانشجویی در زندگی پس از فارغ‌التحصیلی دانشجویان کارشناسی

Monnica Chan, Sara Niño

Higher Education Politics & Economics 2026 Vol. 12(2)
https://doi.org/10.32674/7r3ykh22

ورود برای خواندن متن کاملبرای خواندن متن کامل وارد حساب فکر بنیان شوید.

چکیده

Student loan repayment can impact individual’s financial outcomes and well-being. Life course theory suggests these impacts may result from how loan repayment interacts with live events, transition periods, and broader context in an individual’s life. This paper highlights the experiences of recent college graduates as they navigate entering loan repayment simultaneously with other life changes after college graduation. Many borrowers in our study entered repayment as the COVID-related payment pause ended. In addition to these federal policy changes, borrowers in our study experienced profound changes in their employment status, health, and social lives after graduation. As time passed, these life changes and external policy contexts grew more salient, leading to changes in borrowers’ repayment goals.

چکیده به فارسی

بازپرداخت وام دانشجویی می‌تواند بر پیامدهای مالی و بهزیستی فرد تأثیر بگذارد. نظریه مسیر زندگی بیان می‌کند که این تأثیرات ممکن است ناشی از نحوه تعامل بازپرداخت وام با رویدادهای زندگی، دوره‌های گذار و زمینه‌های گسترده‌تر در زندگی فرد باشد. این مقاله به تجارب فارغ‌التحصیلان اخیر دانشگاه می‌پردازد که همزمان با سایر تغییرات زندگی پس از فارغ‌التحصیلی، وارد مرحله بازپرداخت وام می‌شوند. بسیاری از وام‌گیرندگان در مطالعه ما همزمان با پایان تعلیق پرداخت‌های مرتبط با کووید، وارد بازپرداخت شدند. علاوه بر این تغییرات سیاستی فدرال، وام‌گیرندگان در مطالعه ما پس از فارغ‌التحصیلی با تغییرات عمیقی در وضعیت اشتغال، سلامت و زندگی اجتماعی خود مواجه شدند. با گذشت زمان، این تغییرات زندگی و زمینه‌های سیاستی بیرونی برجسته‌تر شده و منجر به تغییر در اهداف بازپرداخت وام‌گیرندگان گردید.

ترجمه‌ی خودکار برای آشنایی سریع؛ برای نقل و ارجاع، متن اصلی ملاک است.

موضوع‌ها و کلیدواژه‌ها

بهزیستیدانشجویانfederal student aid policyfinancial well-beinggraduate employmentlife course perspectiverecent college graduatessocial lifestudent debtstudent loan repayment

ارجاع

Chan, M., & Niño, S. (2026). Borrowing The Future: The Role Of Student Debt In Undergraduate Students’ Postgraduate Life. Higher Education Politics & Economics, 12(2). https://doi.org/10.32674/7r3ykh22

(Chan & Niño, 2026)

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گفت‌وگو

قوانین پرسش و گفتگو
  1. با احترام و بدون توهین، تحقیر، برچسب‌زنی یا حمله‌ی شخصی با دیگران گفتگو کنید.
  2. از نوشتن هرگونه اطلاعات هویتی یا قابل‌شناسایی مراجعان، بیماران یا اشخاص ثالث، از جمله نام، شماره‌ی تماس، تصویر، نشانی، محل کار یا جزئیات منحصربه‌فرد پرونده خودداری کنید.
  3. اگر درباره‌ی یک تجربه‌ی بالینی سؤال می‌کنید، اطلاعات را تا حد ممکن بی‌نام و کلی بیان کنید تا امکان شناسایی فرد وجود نداشته باشد.
  4. این بخش برای یادگیری و گفت‌وگوی علمی است و جایگزین ارزیابی، تشخیص، مشاوره یا روان‌درمانی شخصی نیست.
  5. در شرایط بحران یا خطر آسیب به خود یا دیگران، به این بخش اتکا نکنید و برای دریافت کمک فوری با اورژانس اجتماعی ۱۲۳ یا صدای مشاور بهزیستی ۱۴۸۰ تماس بگیرید.
  6. انتشار تبلیغات، معرفی خدمات شخصی، شماره‌ی تلفن، شناسه‌ی شبکه‌های اجتماعی، پیوند تبلیغاتی یا درخواست جذب مراجع در این بخش مجاز نیست.
  7. در بیان ادعاهای علمی، به‌ویژه درباره‌ی اثربخشی درمان‌ها، تشخیص یا یافته‌های پژوهشی، تا حد امکان نام منبع معتبر، مقاله یا راهنمای علمی را ذکر کنید.
  8. از ارائه‌ی تشخیص قطعی، تجویز درمان یا دارو و توصیه‌های بالینی شخصی به سایر کاربران خودداری کنید.
  9. پاسخ‌هایی که کارشناسان فکر بنیان می‌دهند با برچسب «پاسخ فکر بنیان» یا «کارشناس فکر بنیان» نمایش داده می‌شوند و سایر نوشته‌ها بیانگر نظر کاربران هستند.
  10. گزارش نوشته‌ی نامناسب: اگر نوشته‌ای حاوی نقض محرمانگی، محتوای آسیب‌زا، توهین، تبلیغ یا تخلف از این قوانین است، گزینه‌ی «گزارش» را انتخاب کنید تا تیم سایت بررسی کند.

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Awareness of Youth-Friendly Sexual and Reproductive Health Services among Undergraduate Students at Saint Augustine University of Tanzania, Mwanza, Tanzania: A Cross-Sectional Study

Frank Deus Samson; Paskas Wagana; Johnson Mavole International journal of social sciences and humanities review, 2026

چکیده

Background: Awareness of youth-friendly sexual and reproductive health services (YFSRHS) is an important starting point for enabling young people to identify and seek appropriate sexual and reproductive health information and care. However, awareness of these services may vary across settings, including higher education institutions. Objective: To determine the level of awareness of YFSRHS among undergraduate students at Saint Augustine University of Tanzania (SAUT), Malimbe Campus. Methods: A quantitative descriptive cross-sectional study was conducted among undergraduate students at SAUT Malimbe Campus. Data were collected using a structured, self-administered questionnaire. Of 109 questionnaires distributed, 108 completed questionnaires were included in the analysis. Descriptive statistics were used to summarize students’ awareness and reported sources of information. Results: Of the 108 respondents, 96 (88.9%) reported having heard of YFSRHS, while 12 (11.1%) had not. Social media was the most frequently reported source of information (44.0%), followed by friends or peers (41.0%) and health facilities (36.0%). University programmes and posters or advertisements were reported less frequently. Conclusion: Most respondents had heard of YFSRHS, with social media and peer networks serving as prominent information channels. Strengthening accurate information through these channels, alongside university-based communication, may help address the awareness gap among students who remain unreached.

دسترسی آزاد

Instructional Strategies and Employability Skills among University Students of Kyambogo University, Uganda

Sylvanus Twinomugisha Rwobusiisi; Emmanuel Mutungi; Bashir Kishabale East African Journal of Arts and Social Sciences, 2026, Vol. 9, Issue 4, pp. 362-382 https://doi.org/10.37284/eajass.9.4.6149

چکیده

Quality higher education plays a vital role in sustainable development by equipping graduates with knowledge, competencies, and skills required for economic and societal development. This study examined the relationship between instructional strategies and the employability skills of undergraduate students in the School of Art and Industrial Design at Kyambogo University, Uganda. Specifically, it investigated the relationships between cooperative teaching, collaborative teaching, inquiry/discovery learning, independent study, experiential (authentic) learning, project-based learning, and students’ employability skills. The study adopted a quantitative approach using a correlational research design. Data were collected from 378 third-year undergraduate students using a structured self-administered questionnaire. Pearson’s product-moment correlation and multiple regression analyses were used to determine the direction and statistical associations between instructional strategies and employability skills. Findings showed that cooperative teaching, inquiry/discovery learning, and experiential teaching had positive statistically significant associations with employability skills, whereas collaborative teaching had a negative statistical association. Independent study and project-based teaching had no statistically significant unique associations with employability skills. Inquiry/discovery teaching demonstrated the strongest statistical association with employability skills among the strategies examined. The study concluded that instructional strategies had different statistical associations with employability skills and that learner-centred approaches are most beneficial when they actively engage students in cooperative, inquiry-oriented, and authentic learning experiences aligned with intended graduate outcomes. The study recommended strengthening cooperative, inquiry, and experiential teaching through structured group tasks, inquiry-based activities, and authentic practical experiences. It further recommended improving the design and implementation of collaborative, independent, and project-based learning to enhance their contribution to graduate employability skills.

متن کامل دسترسی آزاد

Understanding Undergraduate Students’ Willingness to Engage in Conventional and High-Risk Activism

Taylor Payne; Lillian Nguyen; Allison Zengilowski; Flor Castellanos Sanchez; Jendayi Dillard; Ashley M. Bennett; … Innovative Higher Education, 2026 https://doi.org/10.1007/s10755-026-09970-w

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Over the last decade, there has been a visible surge of students participating in and leading different forms of activism. Following the cultural reckoning of 2020, the United States saw a rise in awareness and engagement in activism among young individuals. Continuing this trend, higher education institutions have seen an increase in on-campus demonstrations in recent years. Given the recent increase in activism, political engagement, and the globalization of social issues, this study examined how attitudes, beliefs, individual factors, and prior behaviors relate to undergraduate students’ willingness to engage in different forms of activism (i.e., conventional and high-risk). Across both forms of activism, institutional advocacy (i.e., the behavioral targeting of institutional racism) was the most consistent unique predictor of a student's willingness to engage in activism. Need for cognition and individual advocacy were significantly and positively related to conventional activism, whereas political orientation was negatively related to it. Social justice orientation was significantly and negatively related to high-risk activism.

سایت ناشر ↗ دسترسی آزاد

Istirātijiyyatu Al Ṣaff Al Maqlūb fī Tanmiyati Mahāratil Kalām: Ru’yah fī Al Usus Al Naẓriyyāt wa Al Taṭbīqiyyah

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This study addresses the critical deficiency in speaking skills among university students, a challenge primarily attributed to the reliance on traditional teaching methods and the limited time allocated for authentic verbal practice within the classroom. The research aims to construct a comprehensive theoretical framework for the Flipped Classroom strategy and identify the pedagogical and linguistic justifications for its implementation in developing speaking skills, while providing practical procedural recommendations for its integration into higher education. Adopting a descriptive-analytical approach through a critical review of educational literature, the findings reveal that the flipped model significantly enhances students' fluency, linguistic accuracy, and capacity for spontaneous expression. Furthermore, the model fosters increased motivation and active participation by granting learners the autonomy to progress at their own pace, as pre-class preparation helps mitigate "language anxiety" and bolsters confidence during real-time communicative interactions. Despite these advantages, the research identifies several implementation challenges, most notably the digital divide, potential cognitive overload, and the necessity for intensive faculty training in digital instructional design. Ultimately, the study concludes that the Flipped Classroom represents a fundamental philosophical shift that redefines educational roles, transforming class time from passive instruction into a dynamic "living linguistic laboratory" focused on intensive communicative practice.

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Autogestión económica de estudiantes durante su formación académica en la Facultad de Ciencias Empresariales, UTMACH.

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