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Based on combined data from Baccalaureate & Beyond (B&B:16/17), Integrated Postsecondary Education Data System (IPEDS), and Barron's Profiles of American Colleges, this study utilizes zero-inflated beta regression methods and analyzes individual and institutional factors that predict debt burden by gender. Results show that women are less likely than men to have a zero debt burden one year after college graduation. Interaction effect tests show that the relationship between gender and zero debt burden differs by race/ethnicity. Additional analyses disaggregating the debt and earnings components indicate that women's salary is significantly lower than men's salary. The combined results of lower probability of zero debt and lower salary for women than for men are concerning and demonstrate gendered inequities within current systems. Policy attention is needed to address these issues.

Education-job match is often associated with enhanced well-being and career satisfaction, although existing research suggests that arts college graduates are less likely to experience education-job match than graduates of other disciplines. As research also increasingly suggests that student loan debt may influence college graduates' access to lower-paying industries and careers, this study uses a cross-sectional dataset from the Strategic National Arts Alumni Project to investigate how student loan debt predicts education-job match (entry into an arts position) among arts bachelor's graduates. Even when controlling for individual and institutional factors, results show that arts bachelor's graduates with over US$10,000 in undergraduate student loan debt are less likely to enter arts careers than those with no loans. Findings suggest that arts careers may be less accessible for college graduates who are most dependent on student loans, with important implications for diversity and equity within the arts.

The teaching profession is facing difficulty recruiting and retaining talent in the U.S., especially in STEM subjects. This study identifies the key experiences that shaped the academic paths and career plans of 10 pre-service teachers in STEM education who are participating in a loan forgiveness programme in North Carolina. Using life history methodology, category-centred analysis based on social cognitive career theory revealed six themes. Findings show the importance of early school experiences in inspiring interests in teaching, with participants also pursuing teaching-related roles to explore growing career interests. Participants tended to develop interests in STEM subjects separately from their interests in teaching, often as a result of academic success in STEM, especially when participants had good teachers in these subjects. However, participants were frequently dissuaded from pursuing teaching careers by family members and educators. The opportunity for loan forgiveness was a significant motivator for several participants to newly consider careers in STEM education, suggesting the salience of college costs and student debt in teacher recruitment efforts today.

Recent trends in higher education financing have increased students' need to borrow to afford college. This brief examines how federal student loan borrowing has changed from 2000 to 2016 by student race/ethnicity using logistic regression analysis and data from the National Postsecondary Student Aid Study (NPSAS). We find that the odds of borrowing have diverged over time across racial and ethnic subgroups even after controlling for institutional sector and students' financial circumstances. This divergence in student loan borrowing has important implications for policymakers and researchers interested in closing racial gaps in college access and success.