[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-586701-105":59,"doc-detail-586701-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","examining-how-student-and-parent-debt-impacts-postsecondary-value","Examining How Student and Parent Debt Impacts Postsecondary Value","","Explores how student and parent borrowing shapes the value of postsecondary education for individuals and society. It defines how student loans function, contrasts federal and private loan terms and protections, and explains why repayment manageability depends on both predictable factors and uncertain future employment. The research frames debt through an equity lens, connecting debt levels and income-driven repayment to measurable economic and non-economic outcomes, mobility, and racial and socioeconomic justice.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/examining-how-student-and-parent-debt-impacts-postsecondary-value/586701/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/examining-how-student-and-parent-debt-impacts-postsecondary-value/586701.png","ImageObject",300,407,{"name":92,"@type":93},"Angel","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-07","2026-10-15",true,{"@type":102,"interactionType":103,"userInteractionCount":34},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What are the primary sources of student debt discussed in the paper?","Question",{"text":112,"@type":113},"The paper identifies federal student loans as the primary source, including subsidized and unsubsidized Stafford loans, Grad and Parent PLUS loans, and Perkins loans, alongside private loans from banks, state governments, and individual institutions.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How do federal and private loans differ in consumer protections?",{"text":117,"@type":113},"Federal loans include protections such as forgiveness in cases of death or permanent disability and multiple repayment-related options. Private loans generally offer fewer protections, and repayment obligations may remain for parents even if the student dies.",{"name":119,"@type":110,"acceptedAnswer":120},"Why is determining the manageability of debt payments uncertain?",{"text":121,"@type":113},"Manageability depends on predictable factors like debt type and terms, but also on uncertain factors such as future employment outcomes, which cannot be known when a promissory note is signed.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},586701,1792065824,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":34,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145,"preview_page_count":4},687207412472,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","EXAMINING HOW STUDENT AND PARENT DEBT IMPACTS POSTSECONDARY VALUE  \nDebbie Cochrane  \nIn her former capacity with The Institute for College Access and Success  \nTABLE OF CONTENTS  \nStudent Loans: What They Are and How They Are Used  ............................. 2  \nConsequences of Borrowing to Pay for College  .................................... 3  \nKey Factors in Debt Levels and Student Loan Repayment  ........................... 4  \nDetermining How Much to Borrow is Difficult for Individual Students Given Future Uncertainties  ............................................................... 5  \nTypical Debt Loads by School and Field of Study Can Shed Light on Value to Students  ... 6  \nImpacts of Debt on Students and Parents  ........................................ 7  \nWhat Do Income-Share Agreements Tell Us About Measuring Value  ................... 8  \nConsiderations for the Creation of a Postsecondary Value Definition  .................. 9  \nPriorities for Future Research  ................................................. 10  \nAppendix  .................................................................. 11  \nEnd notes  .................................................................. 15  \nThis paper is one in a foundational research series for the Postsecondary Value Commission authored in summer 2019 by scholars with diverse backgrounds and expertise. The research presented in these papers applies an equity lens to the philosophical, measurement, and policy considerations and assumptions underlying key components of postsecondary value to students and society, including investment, economic and non-economic returns, mobility, and racial and socioeconomic justice.  \nThe Postsecondary Value Commission consulted this foundational research as it developed a conceptual definition of postsecondary value, a framework for measuring how institutions and programs create value and ensure equitable outcomes, and an action agenda with recommendations for applying the definition and framework to change policies and practices. Through this breadth of scholarship, the commission was better able to define the value of postsecondary education and the role institutions can play in creating a more equitable and fair United States.  \nFollowing the May 2021 release of the commission’s findings, these foundational papers were prepared for publication. The views and opinions expressed in these papers do not necessarily reflect the positions of individual members of the Postsecondary Value Commission or the organizations they represent.  \nThe Postsecondary Value Commission along with the Bill & Melinda Gates Foundation and Institute for Higher Education Policy are deeply grateful to the authors of this series. The authors’ extensive expertise and thoughtful engagement in this work provided the foundation for the commission to develop an informed, innovative, and equity-driven framework. They also thank Deborah Seymour for editing the written products and the team at GMMB for their creative design and layout.  \nSuggested citation: Cochrane, D. (2021) . Examining How Student and Parent Debt Impacts Postsecondary Value. Postsecondary Value Commission.  \nWith grant and scholarship aid as well as family resources unable to keep pace with college costs, loans have become a fact of life for millions of college students each year. In deciding how and how much to borrow, these students are making highly consequential decisions that will impact their future in unknown ways. Access to needed financial resources, including loans, can facilitate academic progression and timely completion, but whether or when students will ultimately graduate cannot be known with certainty when a promissory note is signed. The manageability of debt payments depends on some predictable factors, such as the type of debt and its terms, and others that are not predictable, such as future employment outcomes. Policy should aim to reduce the prevalence of postsecondary education ","cbCaiutG9i8riu7I","https://ap.wps.com/l/cbCaiutG9i8riu7I","pdf",719716,18,"English","# Student Loans: What They Are and How They Are Used\n# Consequences of Borrowing to Pay for College\n# Key Factors in Debt Levels and Student Loan Repayment\n# Impacts of Debt on Students and Parents\n# What Do Income-Share Agreements Tell Us About Measuring Value\n# Considerations for the Creation of a Postsecondary Value Definition\n# Priorities for Future Research\n# Appendix\n# End notes","[{\"question\":\"What are the primary sources of student debt discussed in the paper?\",\"answer\":\"The paper identifies federal student loans as the primary source, including subsidized and unsubsidized Stafford loans, Grad and Parent PLUS loans, and Perkins loans, alongside private loans from banks, state governments, and individual institutions.\"},{\"question\":\"How do federal and private loans differ in consumer protections?\",\"answer\":\"Federal loans include protections such as forgiveness in cases of death or permanent disability and multiple repayment-related options. Private loans generally offer fewer protections, and repayment obligations may remain for parents even if the student dies.\"},{\"question\":\"Why is determining the manageability of debt payments uncertain?\",\"answer\":\"Manageability depends on predictable factors like debt type and terms, but also on uncertain factors such as future employment outcomes, which cannot be known when a promissory note is signed.\"}]","Examining How Student and Parent Debt Impacts Postsecondary Value | PDF",1792059021,45]