Jason N. Houle

Disparities in Debt Parents’ Socioeconomic Resources and Young Adult Student Loan Debt

In an era of rising college costs and stagnant grant-based student aid, many young adults rely on their parents’ resources and student loans to pay for their postsecondary education. In this study I ask how parents’ income and education are linked to young adults’ student loan debt. I develop and test two perspectives regarding the functional form of the association between parents’ income, parents’ education, and student loan debt. I have four key findings. First, the relationship between parents’ income and student loan debt is nonlinear, such that young adults from middle-income families have a higher risk for debt than do those from low- and high-income families. Second, young adults from college-educated and high-income families are relatively protected from debt. Third, the association between parents’ socioeconomic status (SES) and debt is modified by postsecondary institutional characteristics and is strongest at private and high-cost institutions. Finally, the effect of parents’ SES on debt varies across the debt distribution. Parents’ SES is strongly predictive of entry into debt, but there are few differences conditional on going into debt. This suggests that socioeconomic disparities in debt are primarily driven by the probability of going into debt rather than differences among debtors. However, compared to their more advantaged counterparts, young adults from low-SES backgrounds have a higher risk of accruing debt burdens that exceed the national average.

The Home Foreclosure Crisis and Rising Suicide Rates, 2005 to 2010

OBJECTIVES We examined the association between state-level foreclosure and suicide rates from 2005 to 2010 and considered variation in the effect of foreclosure on suicide by age. METHODS We used hybrid random- and fixed-effects models to examine the relation between state foreclosure rates and total and age-specific suicide rates from 2005 to 2010 (n = 306 state-years). RESULTS Net of other factors, an increase in the within-state total foreclosure rate was associated with a within-state increase in the crude suicide rates (b = 0.04; P < .1), and effects were stronger for the real estate-owned foreclosure rate (b = 0.16; P < .05). Analysis of age-specific suicide rates indicated that the effects were strongest among the middle-aged (46-64 years: total foreclosure rate, b = 0.21; P < .001; real estate-owned foreclosure rate, b = 0.83; P < .001). Rising home foreclosure rates explained 18% of the variance in the middle-aged suicide rate between 2005 and 2010. CONCLUSIONS The foreclosure crisis has likely contributed to increased suicides, independent of other economic factors associated with the recession. Rising foreclosure rates may be partially responsible for the recent uptick in suicide among middle-aged adults.

THE IMAGE IN THE MIRROR AND THE NUMBER ON THE SCALE: WEIGHT, WEIGHT PERCEPTIONS, AND ADOLESCENT DEPRESSIVE SYMPTOMS

Double jeopardy and health congruency theories suggest that adolescents’ joint experience of their weight and weight perceptions are associated with depressive symptoms, but each theory offers a different prediction about which adolescents are at greatest risk. This study investigates the proposed associations and the applicability of both theoretical perspectives using data from 6,557 male and 6,126 female National Longitudinal Study of Adolescent Health (Add Health) Wave II participants. Empirically, results indicate that focusing on the intersection of weight and weight perceptions better shows which adolescents are at risk of depressive symptoms than an approach that treats both predictors as independent, unrelated constructs. Weight pessimists are at greatest risk of depressive symptoms. Thus, results support the health congruency framework, its extension to subpopulations outside of older adults, and its extension to optimism and pessimism about specific health conditions.

Weight Change and Depression Among US Young Women During the Transition to Adulthood

By using data from wave 2 (in 1996) and wave 3 (in 2000-2001) of the US-based National Longitudinal Study of Adolescent Health, we investigated the association between young womens body weight and depression during the transition to adulthood. Respondents (n = 5,243) were 13-18 years of age during wave 2 and 19-25 years of age during wave 3. We used Center for Epidemiologic Studies Depression Scale scores to classify young women as never depressed, consistently depressed, experiencing depression onset, or experiencing depression recovery from wave 2 to wave 3. Results from adjusted multinomial logistic regression models indicated that respondents who experienced significant weight gain were at risk of depression onset. Normal weight (adjusted odds ratio = 2.10, 95% confidence interval: 1.14, 3.84) and overweight (adjusted odds ratio = 1.86, 95% confidence interval: 1.15, 2.99) adolescent girls who were obese by young adulthood, as well as young women who were consistently obese during adolescence and young adulthood (adjusted odds ratio = 1.97, 95% confidence interval: 1.19, 3.26), had roughly twice the odds of depression onset as did young women who were never overweight. We concluded that weight gain and obesity are risk factors for depression onset during the transition to adulthood. Policies prioritizing healthy weight maintenance may help improve young womens mental health as they begin their adult lives.

THE IMPACT OF SEXUAL HARASSMENT ON DEPRESSIVE SYMPTOMS DURING THE EARLY OCCUPATIONAL CAREER

Sexual harassment has been theorized as a stressor with consequences for the physical and mental health of its targets. Although social scientists have documented a negative association between sexual harassment and mental health, few longitudinal studies have investigated the association between sexual harassment and depressive symptoms. Using longitudinal survey data from the Youth Development Study, combined with in-depth interviews, this article draws on Louise Fitzgerald’s theoretical framework, stress theory, and the life course perspective to assess the impact of sexual harassment on depressive affect during the early occupational career. In support of Fitzgerald’s model, the authors’ findings confirm that sexual harassment is a stressor that is associated with increased depressive symptoms. Quantitative results show that women and men who experience more frequent sexual harassment at work have significantly higher levels of depressed mood than nonharassed workers, even after controlling for prior harassment and depressive symptoms. Moreover, the authors find evidence that sexual harassment early in the career has long-term effects on depressive symptoms in adulthood. Interviews with a subset of survey respondents point to a variety of coping strategies and reveal further links between harassment and other aspects of mental health, such as anger and self-doubt.

Getting sick and falling behind: health and the risk of mortgage default and home foreclosure

Background An emerging literature shows that mortgage strain can lead to poor health outcomes, but less work has focused on whether and how health shocks influence mortgage distress. We examine the link between changes in health status and default/foreclosure risk among older middle-aged adults. Method We used National Longitudinal Study of Youth 1979 data and multivariate logistic regression models to examine the relationship between changes in health limitations and chronic conditions across survey waves and risk of mortgage default and foreclosure. Results We found that changes in health limitations and chronic conditions increased the risk of default and foreclosure between 2007 and 2010. These associations were partially mediated by changes in family income and loss of health insurance. Conclusions From a policy perspective, the strong link between the onset of illness and foreclosure suggests a need to re-examine the safety-nets that are available to individuals who become ill or disabled.

Is Student Loan Debt Discouraging Homeownership among Young Adults

Amid concern that rising student loan debt has social and economic consequences for young adults, many suggest that student loan debt is leading young adults to forgo home buying. However, there is little empirical evidence on this topic. In this study, we use data from the National Longitudinal Survey of Youth 1997 to estimate associations of student loan debt with homeownership, mortgage amount, and home equity. We use a variety of methodological techniques and test several model specifications. While we find a negative association between debt and homeownership in some models, the association is substantively modest in size and is entirely driven by the debtor-nondebtor comparison; we find no association between debt amount and homeownership among debtors. Overall, we find limited evidence that student loan debt is responsible for declining young adult homeownership. Instead, indicators for the recession and transition to adulthood markers have a stronger association with homeownership.

Into the Red and Back to the Nest? Student Debt, College Completion, and Returning to the Parental Home among Young Adults.

Rising student debt has sparked concerns about its impact on the transition to adulthood. In this paper, we examine the claim that student debt is leading to a rise in ‘‘boomeranging,’’ or returning home, using data from the National Longitudinal Survey of Youth 1997 Cohort and discrete time-event history models. We have four findings. First, student loan debt is not associated with boomeranging in the complete sample. However, we find that the association differs by race, such that the link between student debt and returning home is stronger for black than for white youth. Third, degree completion is a strong predictor of returning home, whereby those who fail to attain a degree have an increased risk of boomeranging. Fourth, young adult role transitions and socioeconomic well-being are associated with boomeranging. Findings suggest that rising debt has created new risks and may reproduce social inequalities in the transition to adulthood.

state and regional suicide rates: a new look at an old puzzle

U.S. suicide rates vary across the states and are higher in the American West than in other regions. Reasons for these patterns have eluded social scientists. This research note examines whether residential stability and population density as ecological contexts for social integration help explain the patterns. Reflecting Durkheimian reasoning, results suggest that residential stability helps explain both the high Western suicide rate and state suicide rates more generally. Final remarks address the theoretical and empirical implications of the findings.

Parental debt and children's socioemotional well-being

OBJECTIVES: We estimated associations between total amount of parental debt and of home mortgage, student loan, automobile, and unsecured debt with children’s socioemotional well-being. METHODS: We used population-based longitudinal data from the National Longitudinal Study of Youth 1979 Cohort and Children of the National Longitudinal Study of Youth 1979 Cohort. Our analytic sample consisted of 29 318 child-year observations of 9011 children and their mothers observed annually or biennially from 1986 to 2008. We used the Behavioral Problems Index to measure socioemotional well-being. We used ordinary least squares regressions to estimate between-child associations of amounts and types of parental debt with socioemotional well-being, net of a host of control variables, and regressions with child-specific fixed effects to estimate within-child associations of changes in parental debt with changes in socioemotional well-being, net of all time-constant observed and unobserved confounders. RESULTS: Greater total debt was associated with poorer child socioemotional well-being. However, this association varied by type of debt. Specifically, higher levels of home mortgage and education debt were associated with greater socioemotional well-being for children, whereas higher levels of and increases in unsecured debt were associated with lower levels of and declines in child socioemotional well-being. CONCLUSIONS: Debt that allows for investment in homes (and perhaps access to better neighborhoods and schools) and parental education is associated with greater socioemotional well-being for children, whereas unsecured debt is negatively associated with socioemotional development, which may reflect limited financial resources to invest in children and/or parental financial stress. This suggests that debt is not universally harmful for children’s well-being, particularly if used to invest in a home or education.