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Fall 2005

ISSN 0890-913X

Volume 21, Number 1

Categories: Education | Fall 2005

Do College Students Borrow Enough?

William L. Holahan, University of Wisconsin - Milwaukee

Mark C. Schug, University of Wisconsin - Milwaukee

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JournalofPrivateEntelprise,VolumeXXI,Fall2005EducationalNotesDoCollegeStudentsBorrowEnough?WilliamL.HolahanUniversityofWisconsin-MilwaukeeandMarkC.SchugUniversityofWisconsin-MilwaukeeEveryfall,journalistspunctuatetheirstoriesaboutthejoyofbeginningcollegewithreferencestothedebtcollegegraduatesarelikelytoaccumulatebygraduation.Journalistsaregoodatexplainingthegrowingcostofacollegeeducation.However,theyarebadatexplainingthebenefits.Theyoftenconveytheideathatborrowingmoneytopayforcollegeisaflat-outbadidea.Thispaperpresentsadifferentperspective.Wearguethatnotonlyisborrowingagoodidea,itcouldbethatmanystudentsmaynotbeborrowingenough.Howcouldthatbe?Theanswerliesinhelpingstudentstoapplywhatweknowaboutinvestmentinhumancapitalandtheeconomicwayofthinkingtotheirowndecisionsascollegestudents.InvestinginHumanCapitalInvestinginhumancapitalisacommontopicinmanycollegecoursesincludingprinciplesofeconomics,business,politicalscience,andlaw.Humancapitalreferstotheeducationandtrainingthatcontributetoaworker'sfutureoutputandincome.Investmentinhumancapitalincludesformaleducationsuchasdegreesinhighschoolandcollege.Italsoincludesinformaleducationsuchason-the-jobtraining.WilliamHolahanandMarkSchug157

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Metadata [hide]

Title	Do College Students Borrow Enough?
Authors/Creators:	William L. Holahan, University of Wisconsin - Milwaukee Mark C. Schug, University of Wisconsin - Milwaukee
Year:	2005
Volume:	21
Number:	1
Pages:	157 - 163
Publisher:	The Association of Private Enterprise Education
ISSN:	0890-913X
Document Type:	Educational Notes
Keywords:	Economics of education, Student loans

Citation:
Holahan, William L.; Schug, Mark C. / 2005. "Do College Students Borrow Enough?." The Journal of Private Enterprise, 21(1): 157-163.