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Dissertation/Thesis Abstract

The impact of student loans on homeownership
by Click, Matthew Eric, M.P.A., The University of Alabama at Birmingham, 2015, 64; 1605264
Abstract (Summary)

This thesis examines the relationship between student loan debt and homeownership. I hypothesize that a negative relationship exists, and control for a respondent’s age, household income, household size, race, gender, marital status, and level of education. Using a binary logistic regression model to examine data from the 2012 National Financial Capability Study (NFCS) and the 2014 Survey of Household Economic Decisions (SHED), I model the odds-ratios and predicted probabilities of homeownership for respondents with and without student loans. I find a decrease in the predicted probability of homeownership by 8.4% and 9.3% in the NFCS and SHED datasets, respectively. While I find that a negative relationship does exist, predicted probabilities show that other factors may exert a greater influence on homeownership, which produces recommendations for future research.

Indexing (document details)
Advisor: Ertas, Nevbahar
Commitee: Borry, Erin L., Jacobs, Thomas A.
School: The University of Alabama at Birmingham
Department: Arts and Humanities
School Location: United States -- Alabama
Source: MAI 55/02M(E), Masters Abstracts International
Subjects: Public administration
Keywords: Education policy, Homeownership, NFCS 2012, SHED 2014, Student loans
Publication Number: 1605264
ISBN: 978-1-339-31713-7
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