Welcome to the Academy of Financial Service’s 2019 Annual Meeting being held in Minneapolis, Minnesota in conjunction with FPA’s Annual Conference 2019. This is the full agenda for AFS. For details on FPA items, visit their Full Schedule. Please report any errors to support@academyfinancial.org.
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Tuesday, October 15 • 9:00am - 9:50am
A2b The Impact of Student Loans on Homeownership

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With student loan debt topping $1.53 trillion by the second quarter of 2018, understanding the impact of that debt on borrowers is of critical importance (Board of Governors of the Federal Reserve System, 2018).   Many student loan borrowers report that student loan debt is preventing them from purchasing a home (The National Association of Realtors Research Department and American Student Assistance, 2017).  Studies have shown that there is a negative relationship between student loans and homeownership  (Mezza, Ringo, Sherlund, & Sommer, 2016).  Despite the importance of housing in the U.S. economy and the concerning relationship between student loan debt and homeownership, very little research has been done in this area.  This study seeks to expand the research by examining the impact of both federal and private student loans on homeownership.  Additionally, mortgage debt burden as it relates to federal and private student loans is investigated.  

Author(s): Wendy Usrey, Stuart Heckman


Wendy Usrey

Instructor, Colorado State University and Kansas State University

Tuesday October 15, 2019 9:00am - 9:50am CDT
201 B

Attendees (5)