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首页> 美国卫生研究院文献>American Journal of Pharmaceutical Education >Student Pharmacists’ Personal Finance Perceptions Projected Indebtedness Upon Graduation and Career Decision-making
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Student Pharmacists’ Personal Finance Perceptions Projected Indebtedness Upon Graduation and Career Decision-making

机译：学生药剂师的个人理财观念毕业后的预计负债以及职业决策

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>Objective. To evaluate the extent to which Doctor of Pharmacy students’ personal finance perceptions, projected student loan indebtedness, and demographic characteristics predict postgraduation career intentions.>Methods. Students at three pharmacy colleges completed a 31-item survey instrument that assessed personal finance perceptions, self-efficacy beliefs, anticipated student loan debt upon graduation, postgraduate intentions, anticipated practice setting upon graduation, and demographic characteristics. Logistic regression models were used to examine the extent to which personal finance perceptions, student loan indebtedness, and demographic characteristics predicted postgraduate intentions and anticipated practice setting.>Results. There were 763 usable responses obtained (response rate=90.3%). Students reported an anticipated personal student loan debt at graduation of $162,747 (SD=$87,093) and an estimated 7.4 (SD=5.8) years to pay off non-mortgage debt postgraduation. Fifty-three percent of students reported planning to practice in a community pharmacy setting postgraduation, and 54% indicated they intended to enter practice directly. Student loan indebtedness was not a significant predictor of whether students planned to pursue postgraduate training. There was a significant association between debt influence and pressure perceptions and students’ plans to pursue postgraduate training (aOR=0.78; 95% CI=0.65-0.94). The odds of indicating hospital (vs chain community) pharmacy as the anticipated setting decreased 36% with every one point increase in debt influence and pressure perceptions (aOR=0.64; 95% CI=0.50-0.81).>Conclusion. Pharmacy students’ perceived debt pressure and influence predicted their intention to enter practice directly (vs pursuing postgraduate training) and to select a career in chain community pharmacy (vs hospital pharmacy). Student loan indebtedness was not a significant predictor of postgraduate training intentions. These findings suggest that interventions that equip students to manage the pressure associated with large student loan debts should be explored.
机译：>目的。要评估药学博士学生的个人理财观念，预计的学生贷款债务和人口统计学特征在何种程度上预测毕业后的职业意图。>方法。高校完成了一项31项调查工具，评估了个人理财观念，自我效能感信念，毕业后预期的学生贷款债务，研究生意图，毕业后的预期实践设置以及人口统计学特征。使用Logistic回归模型检查个人理财观念，学生贷款债务和人口统计学特征在多大程度上预测了研究生的意图和预期的实践设置。>结果。获得了763个可用响应（响应率为90.3） ％）。学生报告称，其毕业时预期的个人学生贷款债务为162,747美元（标准差= 87,093美元），并且估计需要7.4年（SD = 5.8）年才能还清非抵押债务。 53％的学生报告计划在毕业后在社区药房实习，而54％的学生表示他们打算直接参加实习。学生贷款债务并不是学生是否计划进行研究生培训的重要指标。债务影响和压力感与学生进行研究生培训的计划之间存在显着的关联（aOR = 0.78； 95％CI = 0.65-0.94）。 结论。结论。结论。结论。表明医院（相对于连锁社区）的预期环境的可能性随着债务影响和压力感知的每一点增加而降低了36％（aOR = 0.64； 95％CI = 0.50-0.81）。 strong>药房学生的债务压力和影响力预示着他们打算直接进入实践（与进修研究生课程相比）并选择在连锁社区药店（与医院药店）职业。学生贷款债务并不是研究生培训意图的重要预测指标。这些发现表明，应该探索使学生有能力应对与大学生贷款债务相关的压力的干预措施。

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