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Author: Min, Stella
Resulting in 4 citations.
1. Min, Stella
Pathways to Family Formation in an Era of Student Loan Debt
Ph.D. Dissertation, Department of Sociology, Florida State University, 2018
Cohort(s): NLSY97
Publisher: ProQuest Dissertations & Theses (PQDT)
Keyword(s): Age at First Birth; Age at First Marriage; Cohabitation; College Enrollment; Debt/Borrowing; Family Formation; Marriage; Parenthood; Student Loans

Permission to reprint the abstract has not been received from the publisher.

With national statistics indicating burgeoning student debt loads among emerging adults, but fewer studies analyzing the consequences of student borrowing, the purpose of this dissertation was to examine the association between student loan debt and the transition to family life among a nationally representative cohort of young adults between ages 20 and 34 using the National Longitudinal Study of Youth 1997 (NLSY97). The study was guided by three research aims: Aim 1) Examine the role of student loan debt in shaping the timing and sequencing of (1) full-time employment, (2) postsecondary enrollment, (3) cohabitation, (4) marriage, and (5) parenthood. Aim 2) Investigate the association between student debt and family formation pathways, net of socioeconomic confounders. Aim 3) Illuminate the potential observed and unobserved process(es) underlying the association between student debt and the transition to marriage and parenthood. All analyses were conducted separately by gender, given that recent studies strongly indicate that student loans disproportionately influence women's transitions into family life compared to men's.
Bibliography Citation
Min, Stella. Pathways to Family Formation in an Era of Student Loan Debt. Ph.D. Dissertation, Department of Sociology, Florida State University, 2018.
2. Min, Stella
Taylor, Miles G.
Estimating the Effect of Student Loan Debt on Timing of Marriage among Race/Ethnic Groups
Presented: Seattle WA, American Sociological Association Annual Meeting, August 2016
Cohort(s): NLSY97
Publisher: American Sociological Association
Keyword(s): Age at First Marriage; Debt/Borrowing; Ethnic Differences; Financial Assistance; Marriage; Racial Differences; Student Loans

Permission to reprint the abstract has not been received from the publisher.

Emerging literature suggests student loans are negatively associated with the transition to marriage. Yet, due to historical differences in marital behavior and disproportionate educational financing among non-whites, the consequences of educational debt and family formation are likely to vary by race/ethnicity. To add further complications, selection into student loans is nonrandom, making it difficult to draw strong conclusions concerning the consequences of these loans. Accounting for nonrandom selection into student loans using propensity scores, this study employs discrete time event history models to empirically test the relationship between student loan debt and timing of first marriage among White, Black, and Hispanic college graduates using the 1997 National Longitudinal Survey of Youth (NLSY97). Postmatching results reveal the negative impact of student loans and marriage primarily affect Hispanic graduates. Hispanic young adults nearly half as likely to marry compared to their counterparts without loans. However, black and white graduates with student loans are more likely to marry than their peers without debt. Our results suggest that student loans uniquely affect race/ethnic groups, advantaging some groups while harming others.
Bibliography Citation
Min, Stella and Miles G. Taylor. "Estimating the Effect of Student Loan Debt on Timing of Marriage among Race/Ethnic Groups." Presented: Seattle WA, American Sociological Association Annual Meeting, August 2016.
3. Min, Stella
Taylor, Miles G.
Racial and Ethnic Variation in the Relationship Between Student Loan Debt and the Transition to First Birth
Demography 55,1 (February 2018): 165-188.
Also: https://link.springer.com/article/10.1007/s13524-017-0643-6
Cohort(s): NLSY97
Publisher: Population Association of America
Keyword(s): Age at First Birth; Debt/Borrowing; Ethnic Differences; Modeling, Hazard/Event History/Survival/Duration; Motherhood; Racial Differences; Student Loans

Permission to reprint the abstract has not been received from the publisher.

The present study employs discrete-time hazard regression models to investigate the relationship between student loan debt and the probability of transitioning to either marital or nonmarital first childbirth using the 1997 National Longitudinal Survey of Youth (NLSY97). Accounting for nonrandom selection into student loans using propensity scores, our study reveals that the effect of student loan debt on the transition to motherhood differs among white, black, and Hispanic women. Hispanic women holding student loans experience significant declines in the probability of transitioning to both marital and nonmarital motherhood, whereas black women with student loans are significantly more likely to transition to any first childbirth. Indebted white women experience only a decrease in the probability of a marital first birth. The results from this study suggest that student loans will likely play a key role in shaping future demographic patterns and behaviors.
Bibliography Citation
Min, Stella and Miles G. Taylor. "Racial and Ethnic Variation in the Relationship Between Student Loan Debt and the Transition to First Birth." Demography 55,1 (February 2018): 165-188.
4. Min, Stella
Taylor, Miles G.
Student Loan Debt and Race Ethnic Variation in Timing of First Birth
Presented: Washington DC, Population Association of America Annual Meeting, March-April 2016
Cohort(s): NLSY97
Publisher: Population Association of America
Keyword(s): College Graduates; Debt/Borrowing; Fertility; Financial Assistance; First Birth; Propensity Scores; Racial Differences; Student Loans

Permission to reprint the abstract has not been received from the publisher.

Emerging literature indicates a negative association between student loan debt and marriage. However, the impact of student loans on the fertility behavior among young adults is largely unknown. The present study utilizes discrete time event history models to examine the relationship between student loan debt and hazard of first birth among female college graduates using the 1997 National Longitudinal Survey of Youth (NLSY97). The results reveal that the effect of student loan debt differs among white and non-white women, and that the relationship is contingent on marital status. Unmarried non-white graduates with student loans are at significantly greater risk of first birth than their counterparts without loans. These results hold even after sensitivity analyses using propensity score matching to correct for selection into student loan debt. The results provide a foundation for deeper investigation into the heterogeneity that exists among college-educated women in terms of their family formation behaviors.
Bibliography Citation
Min, Stella and Miles G. Taylor. "Student Loan Debt and Race Ethnic Variation in Timing of First Birth." Presented: Washington DC, Population Association of America Annual Meeting, March-April 2016.