Department of Counseling and Counseling Psychology.
Department of Counseling Psychology.
Cultur Divers Ethnic Minor Psychol. 2018 Oct;24(4):459-469. doi: 10.1037/cdp0000207. Epub 2018 Jun 28.
There has been little research on the direct and indirect connections between student loan debt and health. The present study tested a transactional stress model (Lazarus & Folkman, 1984a) of student loan debt in which the appraisal of debt as stressful was proposed to mediate the associations between student loan debt amount and perceived health (i.e., self-rated general health, depressive symptomatology).
The present study draws on a racially/ethnically diverse college student sample ( = 1,412) from the National Longitudinal Survey of Freshman (NLSF). Structural equation modeling (SEM) with robust maximum likelihood (MLR) estimation was used to test the fit of the transactional stress model and compare it with an alternative model (that is, Schachter and Singer's (1962) two factor). Multigroup analyses were conducted to test racial/ethnic differences.
SEM results indicated good fit of the transactional stress model and suggested its superiority to the alternative two-factor model. Multigroup SEM analyses revealed racial/ethnic differences. Whereas for Black/African Americans, Hispanic/Latino Americans, and White Americans, appraisal of debt as stressful was linked to poorer general health and more depressive symptomatology, these associations were nonsignificant for Asian Americans. Tests of indirect effects indicated that the mediating role of debt stress was most consistently significant for Black/African Americans and Hispanic/Latino Americans compared with Asian and, to a lesser extent, White Americans.
Results affirm the potential health impact of both student loan debt amount and the subjective appraisal of stress associated with student loan debt as significant stressors. (PsycINFO Database Record (c) 2018 APA, all rights reserved).
关于学生贷款债务与健康之间的直接和间接联系，研究甚少。本研究测试了一个关于学生贷款债务的交易性应激模型（Lazarus 和 Folkman，1984a），其中将债务视为应激源的评估被提出用以中介学生贷款债务数额与感知健康（即自我评估的一般健康状况、抑郁症状）之间的关联。
本研究借鉴了来自全国大学生新生纵向调查（NLSF）的具有不同种族/民族背景的大学生样本（n=1412）。使用结构方程模型（SEM）和稳健极大似然（MLR）估计来测试交易性应激模型的拟合度，并将其与替代模型（即 Schachter 和 Singer，1962 的双因素模型）进行比较。进行多组分析以检验种族/民族差异。
SEM 结果表明，交易性应激模型拟合良好，并表明其优于替代的双因素模型。多组 SEM 分析显示出种族/民族差异。对于黑/非裔美国人、西班牙裔/拉丁裔美国人和白种美国人，将债务视为应激源与较差的一般健康状况和更多的抑郁症状相关，而对于亚裔美国人，这些关联则不显著。间接效应检验表明，与亚裔美国人相比，对于黑/非裔美国人和西班牙裔/拉丁裔美国人，债务应激的中介作用最为一致显著，而对于白种美国人则不那么显著。
结果肯定了学生贷款债务数额以及与学生贷款债务相关的主观应激评估作为重要应激源对健康的潜在影响。（PsycINFO 数据库记录（c）2018 APA，保留所有权利）。
