000			01790nam a22001577a 4500
999			_c520395 _d520395
008			220912b ||||| |||| 00| 0 eng d
100			_aGayardon, A.D Callender, C. and Desjardins, S.L _934009
245			_aDoes student loan debt structure young people’s housing tenure? Evidence from England
260			_aJournal of Social Policy
300			_a51(2), Apr, 2022: p.221-241
520			_aThis article analyses the interaction between two policy areas affecting young people in England – housing and student funding. It is the first of its kind exploring a range of dynamics in the relationship between housing and student loan debt. Young people today are far less likely to own their home and are more likely to live with their parents than earlier generations. In parallel, higher education tuition fee increases have led to a growing share of students taking out loans and graduating with higher debt, which they will be repaying for most of their working lives. This research examines the relationship between student loans – having borrowed for higher education and attitudes towards debt – and housing tenure at age 25, using the Next Steps dataset. We find that young graduates who did not borrow for higher education are more likely to own their home and less likely to rent or live with their parents than graduates who borrowed for their studies or young people who never attended higher education. These results suggest that higher education funding policies and student loan debt play important roles in structuring young people’s housing in England. – Reproduced
650			_aHousing, Young people, Homeownership, Parental co-residence, Higher education, Student loans. _932857
773			_aJournal of Social Policy
906			_aHOUSING
942			_cAR