Article Critique.docx - Running head IMPLICATIONS OF DEBT ON STUDENTS\u2019 HEALTH The Implications of Debt on Students\u2019 Health Zachary R Hobson Liberty

Article Critique.docx - Running head IMPLICATIONS OF DEBT...

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Running head: IMPLICATIONS OF DEBT ON STUDENTS’ HEALTH 1 The Implications of Debt on Students’ Health Zachary R. Hobson Liberty University
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IMPLICATIONS OF DEBT ON STUDENTS’ HEALTH 2 Abstract This purpose of this paper was to examine how student loan debt impacts an individual’s overall health and wellness. In order to address this question, I reviewed a journal article that employed a transactional stress model in a diverse sample of college students at selective institutions. This model examined how students’ perceptions of debt influenced their self-rated general health and depressive symptomatology. Their findings revealed that Black/African American, Hispanic/Latino, and White students’ perception of debt as being stressful was significantly linked to poorer general health and depressive symptomatology, but was non-significant for Asian students. Although this article had its limitations, it provided a glimpse of health outcomes related to student debt. Keywords : Student debt, general health, depressive symptomatology, higher education
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IMPLICATIONS OF DEBT ON STUDENTS’ HEALTH 3 The Implications of Debt on Students’ Health The continual growth of student loan debt in the United States is a hot topic among leaders in higher education. With a deficit surpassing the trillion-dollar mark, this crisis has saddled numerous students with a financial burden that they carry with them well into their professional careers. It has been suggested that excessive student loan debt may influence students’ career choices, their ability to contribute to society, and diminish their overall quality of life (Ulbrich et al., 2017). Furthermore, issues of burnout, depression, and emotional exhaustion appear to be related to students’ educational debt (Ulbrich et al., 2017). Therefore, coming from a health care background, I felt led to pose the following question: How does student loan debt impact an individual’s overall health and wellness? To address this question, I chose to review an article from 2018 titled, “At What Costs? Student Loan Debt, Debt Stress, and Racially/Ethnically Diverse College Students’ Perceived Health” by Alisia Tran, Jeffrey Mintert, Jasmin Llamas, and Christina Lam. This article aimed to provide empirical research that observed some of the direct and indirect connections between student loan debt and health. More specifically, these authors employed a transactional stress
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  • Spring '19
  • Debt, Alisia Tran

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