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Postsecondary Financing Strategies: How Undergraduates Combine Work, Borrowing, and Attendance

机译：高等教育融资策略：大学生如何结合工作，借贷和出勤

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What undergraduates must pay for tuition, room, and board has increased rapidly in recent years. Between 1980 and 1995, average undergraduate tuition, room, and board rose 48 percent (in constant 1996 dollars) at public institutions and 76 percent at private institutions.1 Increases in family income did not keep pace. While the average undergraduate tuition, room, and board at a public institution was equal to 11 percent of the median family income in 1980, it was 15 percent by 1995. The corresponding increase at private institutions was from 25 to 42 percent of median family income.2 Although the costs of postsecondary education have risen, the opportunity costs associated with not receiving postsecondary training have also increased. In 1995, male bachelors degree recipients aged 2534 had annual earnings that were 52 percent more, and female bachelors degree recipients had annual earnings that were 91 percent more, than their counterparts with no more than a high school diploma.3 Despite the rising cost of postsecondary education, record numbers of high school graduates are enrolling in postsecondary education. In 1995, 62 percent of high school graduates aged 1624 were enrolled in college the October following their high school graduation, up from 54 percent in 1981.

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