Department of Sociology, University of British Columbia, Vancouver, Canada.
Department of Sociology, Boston College, Boston, Massachusetts, USA.
J Am Coll Health. 2023 Apr;71(3):930-941. doi: 10.1080/07448481.2021.1909046. Epub 2021 Apr 23.
Student loan debt has become a growing crisis. Considering that women are more likely than men to take on student loans and more likely to take on larger amounts, we examine whether the effects of student loans on young adults' mental health and substance use differ by gender. We used the National Longitudinal Survey of Youth 1997 (NLSY97) data collected from 1997 to 2015. The NLSY97 consists of a nationally representative sample of American youths born between 1980 and 1984. Participants included 2,607 men and 3,004 women who reported college enrollment. We analyzed data using hybrid regression models. Student loans have more negative effects on young men than young women, in terms of mental health problems, smoking, and heavy drinking. Particularly, young men tend to increase substance use in response to cumulative loan amounts. Borrowing patterns and the health consequences of student loans are gendered.
学生贷款债务已成为一个日益严重的危机。考虑到女性比男性更有可能申请学生贷款，而且更有可能申请更大金额的贷款，我们研究了学生贷款对年轻人心理健康和物质使用的影响是否因性别而异。我们使用了 1997 年全国青年纵向调查（NLSY97）的数据，这些数据是从 1997 年到 2015 年收集的。NLSY97 由 1980 年至 1984 年期间出生的美国年轻人的全国代表性样本组成。参与者包括 2607 名男性和 3004 名女性，他们报告了大学入学情况。我们使用混合回归模型分析数据。就心理健康问题、吸烟和酗酒而言，学生贷款对年轻男性的负面影响大于年轻女性。特别是，年轻男性往往会因累积贷款金额的增加而增加物质使用。借贷模式和学生贷款的健康后果具有性别差异。
