The Student Debt Dilemma: Debt Aversion as A Barrier to College Access. Research & Occasional Paper Series: CSHE.13.05.

By Pamela Burdman. 2005

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Does Student Loan Debt Deter Higher Education Participation? New Evidence from England (2017, background): “Both Perna (2008) and Burdman (2005) also highlight the role of low-income parents in discouraging loan take-up, unlike more wealthy parents.”
Student Loans: Do College Students Borrow Too Much--Or Not Enough? (2012, background): “Moreover, on the cost side, researchers have documented that students often misunderstand fi nancial aid packages, fail to understand the much greater cost of consumer loans (such as credit card debt) relative to student loans, and miscalculate the trade-off between academic study and market work (L”
Finding Money on the Table: Information, Financial Aid, and Access to College (2009, background): “A movement away from grants to loans, for example, increases the debt burden for students and makes students less willing to go to college (Burdman, 2005; Caliber Associates, 2003).”