Youth debt, mastery, and self-esteem: Class-stratified effects of indebtedness on self-concept

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Disparities in Debt (2014, background): “Finally, among young adults age 25 and older, education debt is associated with lower levels of mastery and self-esteem, suggesting that the burden of repayment takes an emotional toll after one leaves college (Dwyer et al. 2011).”
Debt and Graduation from American Universities (2012, background): “In this sense taking on debt is agentic behavior of informed investors who desire a brighter future for themselves and their families (Bowen et al. 2009; Dwyer, McCloud and Hodson 2011).”
The Emergence of a Finance Culture in American Households, 1989-2007 (2015, background): “Here new investment opportunities, particularly the mass-participatory booms in the stock market during the 1990s (Kremp, 2011) and in real estate markets during the 2000s (Goldstein, 2014), offered households new avenues to supplement their income and wealth.”