Factors Associated with Rural High School Students’ Financial Plans for Meeting Their College Costs = 시골 고등학생들의 대학 비용 충당을 위한 재무 계획과 관련된 요인들에 대한 연구

국문 초록 (Abstract)

이 연구는 미국 시골지역 고등학생들이 대학교육에 필요한 비용을 지불하기 위해 어떠한 재무설계/계획을 하고 있는지 알아보기 위한 것으로, 학생들의 배경요인들이 각각의 재무계획 유형별로 어떠한 관련을 갖는지 분석하였다. 자료는 미국 버몬트의 북동쪽 지역 5학년-12학년 학생들을 대상으로 이루어진 시골 청소년 계획(Rural Adolescent Plans) 종단 조사를 활용하였다. 학업에 높은 자신감을 보인 학생들은 장학금에 대한 기대와 학자금 대출 계획을 보였으며, 경제적 위기를 경험하였던 학생들은 정부나 대학으로부터 학자금 대출을 받고자 할 가능성이 적은 것으로 나타났다. 대학교육을 받지 않은 부모슬하의 학생들을 따로 분석한 결과, 학년이 높아질수록 취업에 대한 계획과 부모로부터 도움받으려는 계획을 세울 확률이 적었다. 양부모 가정의 학생들은 취업을 계획하는 경우가 많았으며, 대학진학에 대한 확고한 결정은 장학금 수혜에 대한 기대와 정적 관계가 있었다. 한편 대학교육을 받은 부모의 자녀들에게 있어, 시골지역을 벗어나는 것이 중요하다는 인식과 부모로부터 재정적 지원을 받고자 하는 계획 간에는 유의한 정적 상관이 있었다. 이에 따라 사회, 경제, 문화, 지리적 취약계층의 학생들을 고려한 재무교육 프로그램 개발 및 평가에 기여할 수 있도록 각 재무계획별 장․단점에 대해 논의하였다.

다국어 초록 (Multilingual Abstract)

This study aims to explore what financial plans rural high school students have for meeting their college costs, and which characteristics of rural students are associated with their different types of financial plans to pay for their education. Data were drawn from the Rural Adolescent Plans study, a longitudinal survey of 5<SUP>th</SUP>-12<SUP>th</SUP> grade students in northeast Vermont. We found that students who were academically competent were more likely to expect to win scholarships/awards and apply for government and school loans. Students who experienced financial strain were less likely to apply for government and school loans. Among students whose parents did not have a college degree, older students were less likely to plan to work while in college and receive money from parents. Those living in two-parent families were likely to plan to work; and students who had a concrete decision for college were more likely to plan to win scholarships/awards. Meanwhile, among students with college educated parents, the belief that it is important to escape from their rural area was significantly associated with plans to receive money from parents. Possible benefits and drawbacks of each type of financial plan are discussed, which can contribute to the development and evaluation of college financial education programs for socially, economically, culturally, and geographically disadvantaged students.

목차 (Table of Contents)

• Ⅰ. Introduction
• Ⅱ. Literature review
• Ⅲ. Methods
• Ⅳ. Results
• Ⅴ. Discussion and Implications
• Ⅵ. Summary and Limitations
• Ⅶ. Conclusion
• References
• 요약

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