{"id":41660,"date":"2010-11-23T11:59:41","date_gmt":"2010-11-23T16:59:41","guid":{"rendered":"https:\/\/alpha.pewresearch.org\/pewresearch-org\/2010\/11\/23\/iv-borrowing-for-associates-degrees-and-certificates\/"},"modified":"2024-04-14T04:09:44","modified_gmt":"2024-04-14T09:09:44","slug":"iv-borrowing-for-associates-degrees-and-certificates","status":"publish","type":"post","link":"https:\/\/alpha.pewresearch.org\/pewresearch-org\/social-trends\/2010\/11\/23\/iv-borrowing-for-associates-degrees-and-certificates\/","title":{"rendered":"IV. Borrowing for Associate\u2019s Degrees and Certificates"},"content":{"rendered":"
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The average amount borrowed by recipients of associate\u2019s degrees and undergraduate certificates doubled from 1996 to 2008. Although associate\u2019s degrees and undergraduate certificates typically receive less attention than bachelor\u2019s degrees, they account for about half of the undergraduate credentials awarded by colleges and universities. Overall, an associate\u2019s degree or certificate recipient in 2008 borrowed $6,649 on average, up from $3,318 in 1996.[11. numoffset=”11″ This analysis combines associate\u2019s degrees and undergraduate certificates for the sake of clarity. The trends discussed hold when the two are analyzed separately.]<\/p>\n\n

\"\"<\/a><\/figure>\n\n
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The share of associate\u2019s degree and certificate recipients from private for-profit schools who borrowed increased, from 78% in 1996 to 95% in 2008. The likelihood that an associate\u2019s or certificate graduate of a public institution would borrow increased slightly, from 35% in 1996 to 38% in 2008. Private not-for-profit schools account for a relatively small and shrinking portion of associate\u2019s degrees and certificates, and the sample size is too small for meaningful analysis before 2008.<\/p>\n\n

\"\"<\/a><\/figure>\n\n

Among graduates who borrowed, the total loan debt increased substantially at both public and private for-profit schools. Associate\u2019s degree and certificate borrowers at public schools raised their average loan amount from $6,130 in 1996 to $10,448 in 2008, an increase of 70%. At for-profit schools, borrowers\u2019 average debt increased from $9,131 to $14,742, or by 61%.<\/p>\n\n

For-profit schools granted nearly a third of all associate\u2019s degrees and certificates in 2009, compared with slightly more than one-quarter of awards in 2003.<\/p>\n\n

High-debt borrowing also increased from 1996 to 2008. Overall, one-in-ten associate\u2019s degree or certificate graduates borrowed more than $20,000 in 2008, compared with 6% of graduates in 1996. At private for-profit institutions, 22% of 2008 awardees graduated with more than $20,000 in loans (up from 15% in 1996).<\/p>\n\n

Graduates of associate\u2019s degree and certificate programs at for-profit schools are demographically somewhat different from graduates of similar programs at other schools.[12. This analysis is limited to schools that participate in federal financial aid programs. The majority of schools that are not aid-eligible are private for-profit schools. Cellini and Conger (2010) suggest that the demographic profile of students at two-year private, aid-eligible schools is different from the profile of students at non-eligible private two-year schools.] For-profit school graduates are more likely to be women (74%) than are graduates of public (61%) or private not-for-profit (67%) schools. Nearly seven-in-ten graduates of for-profit schools are lower income (67%), compared with slightly more than 40% at public and private not-for-profit schools. Almost half (48%) of for-profit school graduates have children or other dependents, compared with 34% at public schools and 40% at private not-for-profit schools.<\/p>\n\n

Below the bachelor\u2019s level, for-profit schools offer a different mix of degrees than public institutions. In 2008, for instance, 77% of credentials in personal and consumer services and 38% of health care credentials were granted by for-profit institutions, compared with 9% of awards in science and humanities and 18% of awards in business.[13. Values based on the 2008 NPSAS sample. Estimates based on the IPEDS sample produces similar, but not identical, estimates.] The borrowing differences between public and private for-profit schools persist for all fields of study in which for-profit schools produce a significant number of graduates.<\/p>","protected":false},"excerpt":{"rendered":"

The average amount borrowed by recipients of associate\u2019s degrees and undergraduate certificates doubled from 1996 to 2008. Although associate\u2019s degrees and undergraduate certificates typically receive less attention than bachelor\u2019s degrees, they account for about half of the undergraduate credentials awarded by colleges and universities. Overall, an associate\u2019s degree or certificate recipient in 2008 borrowed $6,649 […]<\/p>\n","protected":false},"author":131,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"sub_headline":"","sub_title":"","_prc_public_revisions":[],"_ppp_expiration_hours":0,"_ppp_enabled":false,"ai_generated_summary":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"apple_news_api_id":"","apple_news_api_revision":"","apple_news_api_created_at":"","apple_news_api_modified_at":"","apple_news_api_share_url":"","apple_news_api_pending":"","apple_news_is_preview":false,"apple_news_is_hidden":false,"relatedPosts":[],"reportMaterials":[],"multiSectionReport":[],"package_parts__enabled":false,"package_parts":[],"datacite_doi":"","datacite_doi_citation":"","_prc_seo_qr_attachment_id":0,"spoken_article_player_enabled":true,"displayBylines":true,"footnotes":"","prc_watchers":[],"_prc_fork_parent":0,"_prc_fork_status":"","_prc_active_fork":0,"jetpack_post_was_ever_published":false},"categories":[],"tags":[],"bylines":[2156,984],"collection":[],"datasets":[],"level_of_effort":[],"primary_audience":[],"information_type":[],"_post_visibility":[],"formats":[458],"_fund_pool":[],"languages":[],"regions-countries":[],"research-teams":[519],"workflow-status":[],"class_list":["post-41660","post","type-post","status-publish","format-standard","hentry","bylines-rebecca-hinze-pifer","bylines-richard-fry","formats-report","research-teams-social-trends"],"label":false,"post_parent":41891,"word_count":490,"canonical_url":"https:\/\/alpha.pewresearch.org\/pewresearch-org\/social-trends\/2010\/11\/23\/iv-borrowing-for-associates-degrees-and-certificates\/","art_direction":false,"_embeds":[],"watchers":[],"table_of_contents":[{"id":41891,"title":"The Rise of College Student Borrowing","slug":"the-rise-of-college-student-borrowing","link":"https:\/\/alpha.pewresearch.org\/pewresearch-org\/social-trends\/2010\/11\/23\/the-rise-of-college-student-borrowing\/","is_active":false},{"id":41637,"title":"II. 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