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Parenting students report more financial issues than non-parenting students, rely more frequently on public assistance, and face greater insecurity in meeting basic needs like food and housing. Results also show that credit card use is common but full monthly payoff is rare, while additional caregiving responsibilities and limited resources elevate risk of burnout and leaving school without completing a degree.",{"@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/juggling-family-and-finances-the-financial-struggles-and-obligations-of-parenting-students-spotlight-report-brief/587607/",{"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/juggling-family-and-finances-the-financial-struggles-and-obligations-of-parenting-students-spotlight-report-brief/587607.png","ImageObject",300,407,{"name":92,"@type":93},"นรินทร์","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-29","2026-10-15",true,{"@type":102,"interactionType":103,"userInteractionCount":24},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"How do parenting students’ financial issues compare with non-parenting students’?","Question",{"text":112,"@type":113},"Parenting students are more likely to report financial problems and fewer financial resources to fund their education than non-parenting students.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What patterns of public assistance use appear in the report?",{"text":117,"@type":113},"Parenting students use public assistance more often, including higher rates of federal stimulus, food, medical, utility, childcare, housing, and unemployment-related support.",{"name":119,"@type":110,"acceptedAnswer":120},"How does credit card use affect parenting students financially?",{"text":121,"@type":113},"Many parenting students use credit cards, but only a small share fully pay off their balances each month, which can lead to high-interest debt and worsen financial strain.","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},587607,1792867623,{"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":24,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":19,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":52,"preview_page_count":4},2336475104957,"https://ap-avatar.wpscdn.com/avatar/22000c4c6bd8a5076e1?x-image-process=image/resize,m_fixed,w_180,h_180&k=1787554080175789136","SPOTLIGHT REPORT BRIEF  \nTRELLIS RESEARCH | JULY 2022  \nJuggling Family and Finances: The Financial Struggles and Obligations of Parenting Students  \nAaron Niznik, PhD, Carla Fletcher, MS, and Sandra Barone, MS July 2022  \nRecommended Citation: Niznik, A., Fletcher, C., & S. Barone. Juggling Family and Finances: The Financial Struggles and Obligations of Parenting Students. Trellis Company.  \nKey Findings  \n• Parenting students are more likely than non-parenting students to report having financial issues.  \n• Public assistance use is more common among students with children than those without.  \n• Credit card use is common among parenting students, yet most do not fully pay off their balance each month.  \n• Many parenting students have additional caregiving responsibilities beyond their children.  \nApproximately 22 percent of undergraduate students are raising children while in school, and over half of these students are single parents. At the same time, 52 percent of these students end up leaving school before finishing a degree compared to 32 percent of non-parenting students. i Parenting students are also more likely than non-parenting students to report having fewer financial resources to fund their education, and over half report paying for childcare with an average cost of $490 per month. ii At the same time, parenting students are more likely to struggle with basic needs including food and housing insecurity and homelessness. iii Limited resources coupled with high financial and familial obligations puts these students at greater risk of leaving school without completing a degree.  \nThis brief examines data from 58,900 students at 104 higher education institutions that participated in Trellis’ Fall 2021 Student Financial Wellness Survey (SFWS) with a focus on the financial wellbeing of parenting students. Results illustrate that parenting students struggle financially more than their non-parenting counterparts, and they are more likely to rely on credit to get by. These students also shoulder greater caregiving responsibilities, putting them at greater risk for financial and personal burnout, which may impact their ability to stay enrolled.  \ni US Government Accountability Office. (2019) . More Information could help Students Access Additional Federal Student Aid. Retrieved: [https://www.gao.gov/assets/gao-19-522.pdf](https://www.gao.gov/assets/gao-19-522.pdf)[ ](https://www.gao.gov/assets/gao-19-522.pdf)ii US Government Accountability Office. (2019) . More Information could help Students Access Additional Federal Student Aid. Retrieved: [https://www.gao.gov/assets/gao-19-522.pdf](https://www.gao.gov/assets/gao-19-522.pdf)  \n[iii Goldrick-Rab](iii Goldrick-Rab), [S](S)., [Welton](Welton), [C.C](C.C)., [Coca](Coca), [V](V). ([2020](2020))[. Parenting While in College: Basic Needs Insecurity Among](. Parenting While in College: Basic Needs Insecurity Among) Students with Children. Retrieved from:  \n[https://alliancetoendhunger.org/wp-content/uploads/gravity_forms/13-f8f4825afc84921bd400f00919c81a7a/2020/05/2019_ParentingStudentsReport.pdf](https://alliancetoendhunger.org/wp-content/uploads/gravity_forms/13-f8f4825afc84921bd400f00919c81a7a/2020/05/2019_ParentingStudentsReport.pdf)  \nTRELLIS RESEARCH SPOTLIGHT REPORT BRIEF  \nSFWS Fall 2021: Use of Public Assistance  \n74%  \n48%  \n40%  \n16%  \n40%  \n11%  \n14%  \n7%  \n12%  \n3%  \n10%  \n1%  \nFederal Stimulus Funds  \nMedical Assistance  \nFood Assistance  \nUnemployment Assistance  \nUtility Assistance  \nChildcare Assistance  \n Parent  Not Parent  \nPublic Assistance Use  \nParenting students are more likely to use various forms of public assistance. For example, nearly three-quarters reported receiving federal stimulus funds compared to just under half of non-parenting students. Additionally, parenting students are far more likely to report they utilize other forms of assistance including for food, medical needs, utilities, childcare, housing, and unemployment. As such, parenting stude","cbCaiamhbszifPDv","https://ap.wps.com/l/cbCaiamhbszifPDv","pdf",705486,"English","# Key Findings\n## Parenting students and financial issues\n## Public assistance use\n## Financial insecurities and emergency funds\n## Credit card reliance\n## Additional caregiving responsibilities","[{\"question\":\"How do parenting students’ financial issues compare with non-parenting students’?\",\"answer\":\"Parenting students are more likely to report financial problems and fewer financial resources to fund their education than non-parenting students.\"},{\"question\":\"What patterns of public assistance use appear in the report?\",\"answer\":\"Parenting students use public assistance more often, including higher rates of federal stimulus, food, medical, utility, childcare, housing, and unemployment-related support.\"},{\"question\":\"How does credit card use affect parenting students financially?\",\"answer\":\"Many parenting students use credit cards, but only a small share fully pay off their balances each month, which can lead to high-interest debt and worsen financial strain.\"}]","Juggling Family and Finances: The Financial Struggles and Obligations of Parenting Students - Spotlight Report Brief | PDF",1792062326]