Factors influencing students' borrowing that may affect their specialty choices and other after-graduation behaviors

Academic Medicine : Journal of the Association of American Medical Colleges
R CooterJ B Erdmann

Abstract

To assess the factors that influence medical students' borrowing and how these factors may affect access to the profession, specialty choice, and medical graduates' repayment behaviors. The borrowing patterns of the 3,495 indebted students enrolled at Jefferson Medical College of Thomas Jefferson University between 1989-90 and 1994-95 were analyzed. (Debt included both subsidized and unsubsidized debt.) These borrowing patterns were assessed in relation to changes in the cost of education, family (i.e., parents') income, availability of grant funding, legislative changes to loan-eligibility criteria (specifically, the Higher Education Amendments of 1992), and average interest rates on federal unsubsidized loans. The annual changes in average debt levels suggest that while cost of education, family resources, and availability of grant funding may be significant factors, changes in loan eligibility and prevailing interest rates on unsubsidized loan source also influence medical students' borrowing. A comparison of the borrowing patterns for three income groups (low, middle, high) further demonstrated that while overall fluctuations for low-income group mirrored changes in the cost and resource variables, annual borrowing fluctuat...Continue Reading

Citations

Sep 17, 2008·Annals of Internal Medicine·Furman S McDonaldJoseph C Kolars
Aug 27, 2005·Academic Medicine : Journal of the Association of American Medical Colleges·Roger A Rosenblatt, C Holly A Andrilla
Feb 28, 2004·Teaching and Learning in Medicine·Leslie S Zun, LaVonne Downey

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