Morra Dante J, Regehr Glenn, Ginsburg Shiphra
Department of Medicine, University of Toronto, Canada.
Med Teach. 2008;30(3):313-5. doi: 10.1080/01421590801953000.
While medical student debt is increasing, the effect of debt on student well-being and performance remains unclear.
As a part of a larger study examining medical student views of their future profession, data were collected to examine the role that current and anticipated debt has in predicting stress among medical students.
A survey was administered to medical students in all four years at the University of Toronto. Of the 804 potential respondents across the four years of training, 549 surveys had sufficient data for inclusion in this analysis, for a response rate of 68%. Through multiple regression analysis, we evaluated the correlation between current and anticipated debt and financial stress.
Although perceived financial stress correlates with both current and anticipated debt levels, anticipated debt was able to account for an additional 11.5% of variance in reported stress when compared to current debt levels alone.
This study demonstrates a relationship between perceived financial stress and debt levels, and suggests that anticipated debt levels might be a more robust metric to capture financial burden, as it standardizes for year of training and captures future financial liabilities (future tuition and other future expenses).
虽然医学生债务在增加，但债务对学生幸福感和学业表现的影响仍不明确。
作为一项考察医学生对其未来职业看法的大型研究的一部分，收集数据以研究当前和预期债务在预测医学生压力方面所起的作用。
对多伦多大学所有四个年级的医学生进行了一项调查。在四年培训中的804名潜在受访者中，有549份调查问卷有足够的数据可纳入本分析，回复率为68%。通过多元回归分析，我们评估了当前和预期债务与财务压力之间的相关性。
虽然感知到的财务压力与当前和预期债务水平均相关，但与仅考虑当前债务水平相比，预期债务能够解释报告压力中另外11.5%的方差。
本研究证明了感知到的财务压力与债务水平之间的关系，并表明预期债务水平可能是衡量财务负担的更有力指标，因为它对培训年份进行了标准化，并涵盖了未来的财务负债（未来学费和其他未来费用）。
