{"id":"https://openalex.org/W2810044748","doi":"https://doi.org/10.1037/cdp0000207","title":"At what costs? Student loan debt, debt stress, and racially/ethnically diverse college students\u2019 perceived health.","display_name":"At what costs? Student loan debt, debt stress, and racially/ethnically diverse college students\u2019 perceived health.","publication_year":2018,"publication_date":"2018-06-28","ids":{"openalex":"https://openalex.org/W2810044748","doi":"https://doi.org/10.1037/cdp0000207","mag":"2810044748","pmid":"https://pubmed.ncbi.nlm.nih.gov/29952580"},"language":"en","primary_location":{"id":"doi:10.1037/cdp0000207","doi":"https://doi.org/10.1037/cdp0000207","is_oa":false,"landing_page_url":"https://doi.org/10.1037/cdp0000207","pdf_url":null,"source":{"id":"https://openalex.org/S13068289","display_name":"Cultural Diversity & Ethnic Minority Psychology","issn_l":"1077-341X","issn":["1077-341X","1099-9809","1939-0106","1939-5647"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","cwts-core","dongbi-b","erih-plus","jufo-2","ki-jl-1","medline","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320262","host_organization_name":"American Psychological Association","host_organization_lineage":["https://openalex.org/P4310320262"],"host_organization_lineage_names":["American Psychological Association"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Cultural Diversity & Ethnic Minority Psychology","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","pubmed"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5024726110","display_name":"Alisia G. T. T. Tran","orcid":"https://orcid.org/0000-0002-3212-2315","observed_orcids":["https://orcid.org/0000-0002-3212-2315"]},"institutions":[{"id":"https://openalex.org/I55732556","display_name":"Arizona State University","ror":"https://ror.org/03efmqc40","country_code":"US","type":"education","lineage":["https://openalex.org/I55732556"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Alisia G. T. T. Tran","raw_affiliation_strings":["Department of Counseling and Counseling Psychology","Department of Counseling and Counseling Psychology, Arizona State University, Tempe,, AZ, US"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Counseling and Counseling Psychology","institution_ids":[]},{"raw_affiliation_string":"Department of Counseling and Counseling Psychology, Arizona State University, Tempe,, AZ, US","institution_ids":["https://openalex.org/I55732556"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5026180171","display_name":"Jeffrey S. Mintert","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I55732556","display_name":"Arizona State University","ror":"https://ror.org/03efmqc40","country_code":"US","type":"education","lineage":["https://openalex.org/I55732556"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Jeffrey S. Mintert","raw_affiliation_strings":["Department of Counseling and Counseling Psychology","Department of Counseling and Counseling Psychology, Arizona State University, Tempe,, AZ, US"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Counseling and Counseling Psychology","institution_ids":[]},{"raw_affiliation_string":"Department of Counseling and Counseling Psychology, Arizona State University, Tempe,, AZ, US","institution_ids":["https://openalex.org/I55732556"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5004244227","display_name":"Jasm\u00edn D. Llamas","orcid":"https://orcid.org/0000-0001-9845-3478","observed_orcids":["https://orcid.org/0000-0001-9845-3478"]},"institutions":[{"id":"https://openalex.org/I16269868","display_name":"Santa Clara University","ror":"https://ror.org/03ypqe447","country_code":"US","type":"education","lineage":["https://openalex.org/I16269868"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Jasm\u00edn D. Llamas","raw_affiliation_strings":["Department of Counseling Psychology","Department of Counseling Psychology, Santa Clara University, Santa Clara, CA, US"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Counseling Psychology","institution_ids":[]},{"raw_affiliation_string":"Department of Counseling Psychology, Santa Clara University, Santa Clara, CA, US","institution_ids":["https://openalex.org/I16269868"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5008488304","display_name":"Christina K. Lam","orcid":"https://orcid.org/0000-0003-1082-4778","observed_orcids":["https://orcid.org/0000-0003-1082-4778"]},"institutions":[{"id":"https://openalex.org/I55732556","display_name":"Arizona State University","ror":"https://ror.org/03efmqc40","country_code":"US","type":"education","lineage":["https://openalex.org/I55732556"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Christina K. Lam","raw_affiliation_strings":["Department of Counseling and Counseling Psychology","Department of Counseling and Counseling Psychology, Arizona State University, Tempe,, AZ, US"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Counseling and Counseling Psychology","institution_ids":[]},{"raw_affiliation_string":"Department of Counseling and Counseling Psychology, Arizona State University, Tempe,, AZ, US","institution_ids":["https://openalex.org/I55732556"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":12.258,"has_fulltext":false,"cited_by_count":56,"citation_normalized_percentile":{"value":0.98586121,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":"24","issue":"4","first_page":"459","last_page":"469"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T14085","display_name":"Student Stress and Coping","score":0.49799999594688416,"subfield":{"id":"https://openalex.org/subfields/3204","display_name":"Developmental and Educational Psychology"},"field":{"id":"https://openalex.org/fields/32","display_name":"Psychology"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T14085","display_name":"Student Stress and Coping","score":0.49799999594688416,"subfield":{"id":"https://openalex.org/subfields/3204","display_name":"Developmental and Educational Psychology"},"field":{"id":"https://openalex.org/fields/32","display_name":"Psychology"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10267","display_name":"Higher Education Research Studies","score":0.45899999141693115,"subfield":{"id":"https://openalex.org/subfields/3304","display_name":"Education"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10235","display_name":"Health disparities and outcomes","score":0.007899999618530273,"subfield":{"id":"https://openalex.org/subfields/3306","display_name":"Health"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/student-debt","display_name":"student debt","score":1.0},{"id":"https://openalex.org/keywords/self-perceived-health","display_name":"health perception","score":0.9440000057220459},{"id":"https://openalex.org/keywords/depressive-symptoms","display_name":"depressive symptoms","score":0.675000011920929},{"id":"https://openalex.org/keywords/racial-and-ethnic-differences","display_name":"racial and ethnic differences","score":0.7639999985694885},{"id":"https://openalex.org/keywords/transactional-model-of-stress-and-coping","display_name":"transactional model of stress and coping","score":0.9570000171661377},{"id":"https://openalex.org/keywords/college-students","display_name":"university students","score":0.6499999761581421},{"id":"https://openalex.org/keywords/african-american-students","display_name":"African American students","score":0.7229999899864197},{"id":"https://openalex.org/keywords/hispanic-latino-students","display_name":"Hispanic/Latino students","score":0.9620000123977661},{"id":"https://openalex.org/keywords/asian-american-students","display_name":"Asian American students","score":0.8790000081062317},{"id":"https://openalex.org/keywords/financial-stress","display_name":"financial stress","score":0.37700000405311584}],"concepts":[{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.6745790839195251},{"id":"https://openalex.org/C2777227597","wikidata":"https://www.wikidata.org/wiki/Q462058","display_name":"Student loan","level":3,"score":0.633065402507782},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.6117219924926758},{"id":"https://openalex.org/C70410870","wikidata":"https://www.wikidata.org/wiki/Q199906","display_name":"Clinical psychology","level":1,"score":0.5623860955238342},{"id":"https://openalex.org/C137403100","wikidata":"https://www.wikidata.org/wiki/Q41710","display_name":"Ethnic group","level":2,"score":0.470889151096344},{"id":"https://openalex.org/C2780176501","wikidata":"https://www.wikidata.org/wiki/Q5690755","display_name":"Health and Retirement Study","level":2,"score":0.42761752009391785},{"id":"https://openalex.org/C2779549880","wikidata":"https://www.wikidata.org/wiki/Q5542226","display_name":"PsycINFO","level":3,"score":0.41638362407684326},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.41117435693740845},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.36278843879699707},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.3301030993461609},{"id":"https://openalex.org/C74909509","wikidata":"https://www.wikidata.org/wiki/Q10387","display_name":"Gerontology","level":1,"score":0.3146851062774658},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.20622166991233826},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.14681753516197205},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.1253865361213684},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.11436271667480469},{"id":"https://openalex.org/C2779473830","wikidata":"https://www.wikidata.org/wiki/Q1540899","display_name":"MEDLINE","level":2,"score":0.10420119762420654},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.08794215321540833},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0}],"mesh":[{"descriptor_ui":"D000328","descriptor_name":"Adult","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D005006","descriptor_name":"Ethnicity","qualifier_ui":"Q000706","qualifier_name":"statistics & numerical data","is_major_topic":true},{"descriptor_ui":"D005260","descriptor_name":"Female","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D005382","descriptor_name":"Financing, Personal","qualifier_ui":"Q000706","qualifier_name":"statistics & numerical data","is_major_topic":true},{"descriptor_ui":"D006304","descriptor_name":"Health Status","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D006801","descriptor_name":"Humans","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D008137","descriptor_name":"Longitudinal Studies","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D008297","descriptor_name":"Male","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D013315","descriptor_name":"Stress, Psychological","qualifier_ui":"Q000523","qualifier_name":"psychology","is_major_topic":true},{"descriptor_ui":"D013334","descriptor_name":"Students","qualifier_ui":"Q000523","qualifier_name":"psychology","is_major_topic":false},{"descriptor_ui":"D014146","descriptor_name":"Training Support","qualifier_ui":"Q000706","qualifier_name":"statistics & numerical data","is_major_topic":true},{"descriptor_ui":"D055815","descriptor_name":"Young Adult","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false}],"locations_count":2,"locations":[{"id":"doi:10.1037/cdp0000207","doi":"https://doi.org/10.1037/cdp0000207","is_oa":false,"landing_page_url":"https://doi.org/10.1037/cdp0000207","pdf_url":null,"source":{"id":"https://openalex.org/S13068289","display_name":"Cultural Diversity & Ethnic Minority Psychology","issn_l":"1077-341X","issn":["1077-341X","1099-9809","1939-0106","1939-5647"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","cwts-core","dongbi-b","erih-plus","jufo-2","ki-jl-1","medline","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320262","host_organization_name":"American Psychological Association","host_organization_lineage":["https://openalex.org/P4310320262"],"host_organization_lineage_names":["American Psychological Association"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Cultural Diversity & Ethnic Minority Psychology","raw_type":"journal-article"},{"id":"pmid:29952580","doi":null,"is_oa":false,"landing_page_url":"https://pubmed.ncbi.nlm.nih.gov/29952580","pdf_url":null,"source":{"id":"https://openalex.org/S4306525036","display_name":"PubMed","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Cultural diversity & ethnic minority psychology","raw_type":"Journal Article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/3","display_name":"Good health and well-being","score":0.8048999905586243},{"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities","score":0.7578999996185303}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":63,"referenced_works":["https://openalex.org/W165310196","https://openalex.org/W174895542","https://openalex.org/W250080214","https://openalex.org/W1493854219","https://openalex.org/W1505119869","https://openalex.org/W1530155851","https://openalex.org/W1534965059","https://openalex.org/W1571811590","https://openalex.org/W1604205591","https://openalex.org/W1965893420","https://openalex.org/W1971706734","https://openalex.org/W1974790383","https://openalex.org/W1977509410","https://openalex.org/W1981856038","https://openalex.org/W1989476899","https://openalex.org/W1994557167","https://openalex.org/W2002553575","https://openalex.org/W2005520045","https://openalex.org/W2011313711","https://openalex.org/W2019104354","https://openalex.org/W2019328556","https://openalex.org/W2032788245","https://openalex.org/W2036354434","https://openalex.org/W2037557484","https://openalex.org/W2039033314","https://openalex.org/W2042255654","https://openalex.org/W2047893078","https://openalex.org/W2061131717","https://openalex.org/W2061954297","https://openalex.org/W2071666535","https://openalex.org/W2076669202","https://openalex.org/W2077841318","https://openalex.org/W2081388193","https://openalex.org/W2085331509","https://openalex.org/W2087477031","https://openalex.org/W2093505519","https://openalex.org/W2096704139","https://openalex.org/W2097529337","https://openalex.org/W2098866080","https://openalex.org/W2100629506","https://openalex.org/W2106232823","https://openalex.org/W2111779779","https://openalex.org/W2115692241","https://openalex.org/W2127978573","https://openalex.org/W2130314112","https://openalex.org/W2131006097","https://openalex.org/W2132406025","https://openalex.org/W2142635246","https://openalex.org/W2146855196","https://openalex.org/W2148775983","https://openalex.org/W2152135594","https://openalex.org/W2155004232","https://openalex.org/W2155474321","https://openalex.org/W2159768594","https://openalex.org/W2165336285","https://openalex.org/W2166777945","https://openalex.org/W2167383267","https://openalex.org/W2177179733","https://openalex.org/W2517070883","https://openalex.org/W2580451958","https://openalex.org/W2728925538","https://openalex.org/W2786166038","https://openalex.org/W2889750549"],"related_works":["https://openalex.org/W3193961230","https://openalex.org/W3013196941","https://openalex.org/W7047869749","https://openalex.org/W2078972738","https://openalex.org/W4205174463","https://openalex.org/W4408798821","https://openalex.org/W2262453946","https://openalex.org/W4282827590","https://openalex.org/W2008173445","https://openalex.org/W2897446418"],"abstract_inverted_index":{"OBJECTIVES:":[0],"There":[1],"has":[2],"been":[3],"little":[4],"research":[5],"on":[6],"the":[7,36,46,66,87,90,124,133,180,209,220],"direct":[8],"and":[9,16,53,94,104,128,149,163,193,219],"indirect":[10,176],"connections":[11],"between":[12,48],"student":[13,31,49,215,227],"loan":[14,32,50,216,228],"debt":[15,33,39,51,154,184,217,229],"health.":[17],"The":[18],"present":[19],"study":[20],"tested":[21],"a":[22,201],"transactional":[23,91,125],"stress":[24,92,126,185,224],"model":[25,93,100,127],"(Lazarus":[26],"&":[27],"Folkman,":[28],"1984a)":[29],"of":[30,38,70,89,123,153,175,183,213,223],"in":[34],"which":[35],"appraisal":[37,152,222],"as":[40,155,230],"stressful":[41,156],"was":[42,83,157,186],"proposed":[43],"to":[44,85,113,132,159,200],"mediate":[45],"associations":[47,168],"amount":[52,218],"perceived":[54],"health":[55,162,211],"(i.e.,":[56],"self-rated":[57],"general":[58,161],"health,":[59],"depressive":[60,165],"symptomatology).":[61],"METHOD:":[62],"=":[63],"1,412)":[64],"from":[65],"National":[67],"Longitudinal":[68],"Survey":[69],"Freshman":[71],"(NLSF).":[72],"Structural":[73],"equation":[74],"modeling":[75],"(SEM)":[76],"with":[77,97,197,226],"robust":[78],"maximum":[79],"likelihood":[80],"(MLR)":[81],"estimation":[82],"used":[84],"test":[86,114],"fit":[88,122],"compare":[95],"it":[96],"an":[98],"alternative":[99,134],"(that":[101],"is,":[102],"Schachter":[103],"Singer's":[105],"(1962)":[106],"two":[107],"factor).":[108],"Multigroup":[109,137],"analyses":[110,139],"were":[111,169],"conducted":[112],"racial/ethnic":[115,141],"differences.":[116,142],"RESULTS:":[117],"SEM":[118,138],"results":[119],"indicated":[120,178],"good":[121],"suggested":[129],"its":[130],"superiority":[131],"two-factor":[135],"model.":[136],"revealed":[140],"Whereas":[143],"for":[144,171,190],"Black/African":[145,191],"Americans,":[146,148,151],"Hispanic/Latino":[147,194],"White":[150,204],"linked":[158],"poorer":[160],"more":[164],"symptomatology,":[166],"these":[167],"nonsignificant":[170],"Asian":[172,198],"Americans.":[173,205],"Tests":[174],"effects":[177],"that":[179],"mediating":[181],"role":[182],"most":[187],"consistently":[188],"significant":[189,231],"Americans":[192,195],"compared":[196],"and,":[199],"lesser":[202],"extent,":[203],"CONCLUSIONS:":[206],"Results":[207],"affirm":[208],"potential":[210],"impact":[212],"both":[214],"subjective":[221],"associated":[225],"stressors.":[232],"(PsycINFO":[233],"Database":[234],"Record":[235],"(c)":[236],"2018":[237],"APA,":[238],"all":[239],"rights":[240],"reserved).":[241]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":3},{"year":2024,"cited_by_count":8},{"year":2023,"cited_by_count":9},{"year":2022,"cited_by_count":8},{"year":2021,"cited_by_count":8},{"year":2020,"cited_by_count":13},{"year":2019,"cited_by_count":3},{"year":2018,"cited_by_count":1}],"updated_date":"2026-11-02T09:45:03.842371","created_date":"2018-07-10T00:00:00"}