id	sid	tid	token	lemma	pos
amae-407	1	1	volume	volume	NOUN
amae-407	1	2	14	14	NUM
amae-407	1	3	issue	issue	NOUN
amae-407	1	4	3	3	NUM
amae-407	1	5	2020	2020	NUM
amae-407	1	6	amae	amae	VERB
amae-407	1	7	special	special	ADJ
amae-407	1	8	issue	issue	NOUN
amae-407	1	9	latinx	latinx	NOUN
amae-407	1	10	students	student	NOUN
amae-407	1	11	at	at	ADP
amae-407	1	12	minority	minority	NOUN
amae-407	1	13	-	-	PUNCT
amae-407	1	14	serving	serve	VERB
amae-407	1	15	institutions	institution	NOUN
amae-407	1	16	guest	guest	NOUN
amae-407	1	17	editors	editor	NOUN
amae-407	1	18	taryn	taryn	PROPN
amae-407	1	19	ozuna	ozuna	PROPN
amae-407	1	20	allen	allen	PROPN
amae-407	1	21	texas	texas	PROPN
amae-407	1	22	christian	christian	PROPN
amae-407	1	23	university	university	PROPN
amae-407	1	24	charles	charles	PROPN
amae-407	1	25	lu	lu	PROPN
amae-407	1	26	university	university	PROPN
amae-407	1	27	of	of	ADP
amae-407	1	28	california	california	PROPN
amae-407	1	29	,	,	PUNCT
amae-407	1	30	san	san	PROPN
amae-407	1	31	diego	diego	PROPN
amae-407	1	32	emily	emily	PROPN
amae-407	1	33	calderón	calderón	PROPN
amae-407	1	34	galdeano	galdeano	PROPN
amae-407	1	35	elevate	elevate	VERB
amae-407	1	36	consulting	consult	VERB
amae-407	1	37	group	group	NOUN
amae-407	1	38	editors	editor	NOUN
amae-407	1	39	patricia	patricia	PROPN
amae-407	1	40	sánchez	sánchez	PROPN
amae-407	1	41	the	the	DET
amae-407	1	42	university	university	PROPN
amae-407	1	43	of	of	ADP
amae-407	1	44	texas	texas	PROPN
amae-407	1	45	at	at	ADP
amae-407	1	46	san	san	PROPN
amae-407	1	47	antonio	antonio	PROPN
amae-407	1	48	antonio	antonio	PROPN
amae-407	1	49	j.	j.	PROPN
amae-407	1	50	camacho	camacho	PROPN
amae-407	1	51	amae	amae	PROPN
amae-407	1	52	,	,	PUNCT
amae-407	1	53	inc	inc	PROPN
amae-407	1	54	.	.	PROPN
amae-407	1	55	associate	associate	PROPN
amae-407	1	56	editors	editor	NOUN
amae-407	1	57	julie	julie	PROPN
amae-407	1	58	l.	l.	PROPN
amae-407	1	59	figueroa	figueroa	PROPN
amae-407	1	60	sacramento	sacramento	PROPN
amae-407	1	61	state	state	PROPN
amae-407	1	62	lucila	lucila	PROPN
amae-407	1	63	d.	d.	PROPN
amae-407	1	64	ek	ek	PROPN
amae-407	2	1	the	the	DET
amae-407	2	2	university	university	PROPN
amae-407	2	3	of	of	ADP
amae-407	2	4	texas	texas	PROPN
amae-407	2	5	at	at	ADP
amae-407	2	6	san	san	PROPN
amae-407	2	7	antonio	antonio	PROPN
amae-407	2	8	managing	manage	VERB
amae-407	2	9	editor	editor	NOUN
amae-407	2	10	christian	christian	PROPN
amae-407	2	11	fallas	fallas	PROPN
amae-407	2	12	-	-	PUNCT
amae-407	2	13	escobar	escobar	PROPN
amae-407	2	14	the	the	DET
amae-407	2	15	university	university	PROPN
amae-407	2	16	of	of	ADP
amae-407	2	17	texas	texas	PROPN
amae-407	2	18	at	at	ADP
amae-407	2	19	san	san	PROPN
amae-407	2	20	antonio	antonio	PROPN
amae-407	2	21	association	association	PROPN
amae-407	2	22	of	of	ADP
amae-407	2	23	mexican	mexican	PROPN
amae-407	2	24	american	american	PROPN
amae-407	2	25	educators	educator	NOUN
amae-407	2	26	journal	journal	VERB
amae-407	2	27	a	a	DET
amae-407	2	28	peer	peer	NOUN
amae-407	2	29	-	-	PUNCT
amae-407	2	30	reviewed	review	VERB
amae-407	2	31	,	,	PUNCT
amae-407	2	32	open	open	ADJ
amae-407	2	33	access	access	NOUN
amae-407	2	34	journal	journal	PROPN
amae-407	2	35	http://amaejournal.utsa.edu	http://amaejournal.utsa.edu	PROPN
amae-407	2	36	issn	issn	PROPN
amae-407	2	37	:	:	PUNCT
amae-407	2	38	2377	2377	NUM
amae-407	2	39	-	-	SYM
amae-407	2	40	9187	9187	NUM
amae-407	2	41	carales	carale	NOUN
amae-407	2	42	,	,	PUNCT
amae-407	2	43	molina	molina	PROPN
amae-407	2	44	&	&	CCONJ
amae-407	2	45	hooker	hooker	PROPN
amae-407	2	46	association	association	PROPN
amae-407	2	47	of	of	ADP
amae-407	2	48	mexican	mexican	PROPN
amae-407	2	49	american	american	PROPN
amae-407	2	50	educators	educator	NOUN
amae-407	2	51	(	(	PUNCT
amae-407	2	52	amae	amae	NOUN
amae-407	2	53	)	)	PUNCT
amae-407	2	54	journal	journal	NOUN
amae-407	2	55	©	©	PROPN
amae-407	2	56	2020	2020	NUM
amae-407	2	57	,	,	PUNCT
amae-407	2	58	volume	volume	NOUN
amae-407	2	59	14	14	NUM
amae-407	2	60	,	,	PUNCT
amae-407	2	61	issue	issue	NOUN
amae-407	2	62	3	3	NUM
amae-407	2	63	30	30	NUM
amae-407	2	64	“	"	PUNCT
amae-407	2	65	without	without	ADP
amae-407	2	66	them	they	PRON
amae-407	2	67	i	i	PRON
amae-407	2	68	could	could	AUX
amae-407	2	69	n't	not	PART
amae-407	2	70	pay	pay	VERB
amae-407	2	71	for	for	ADP
amae-407	2	72	my	my	PRON
amae-407	2	73	education	education	NOUN
amae-407	2	74	,	,	PUNCT
amae-407	2	75	so	so	CCONJ
amae-407	2	76	here	here	ADV
amae-407	2	77	i	i	PRON
amae-407	2	78	am	be	AUX
amae-407	2	79	"	"	PUNCT
amae-407	2	80	:	:	PUNCT
amae-407	2	81	latinx	latinx	NOUN
amae-407	2	82	college	college	PROPN
amae-407	2	83	graduates	graduate	NOUN
amae-407	2	84	’	'	PUNCT
amae-407	2	85	experiences	experience	NOUN
amae-407	2	86	with	with	ADP
amae-407	2	87	and	and	CCONJ
amae-407	2	88	perceptions	perception	NOUN
amae-407	2	89	of	of	ADP
amae-407	2	90	their	their	PRON
amae-407	2	91	student	student	NOUN
amae-407	2	92	loan	loan	NOUN
amae-407	2	93	debt	debt	PROPN
amae-407	2	94	vincent	vincent	PROPN
amae-407	2	95	d.	d.	PROPN
amae-407	2	96	carales	carales	PROPN
amae-407	2	97	mauricio	mauricio	PROPN
amae-407	2	98	molina	molina	PROPN
amae-407	2	99	darrell	darrell	PROPN
amae-407	2	100	l.	l.	PROPN
amae-407	2	101	hooker	hooker	PROPN
amae-407	2	102	,	,	PUNCT
amae-407	2	103	jr	jr	PROPN
amae-407	2	104	.	.	PROPN
amae-407	2	105	university	university	PROPN
amae-407	2	106	of	of	ADP
amae-407	2	107	houston	houston	PROPN
amae-407	2	108	abstract	abstract	ADJ
amae-407	2	109	the	the	DET
amae-407	2	110	purpose	purpose	NOUN
amae-407	2	111	of	of	ADP
amae-407	2	112	the	the	DET
amae-407	2	113	current	current	ADJ
amae-407	2	114	study	study	NOUN
amae-407	2	115	was	be	AUX
amae-407	2	116	to	to	PART
amae-407	2	117	examine	examine	VERB
amae-407	2	118	the	the	DET
amae-407	2	119	experiences	experience	NOUN
amae-407	2	120	of	of	ADP
amae-407	2	121	latinx	latinx	NOUN
amae-407	2	122	students	student	NOUN
amae-407	2	123	with	with	ADP
amae-407	2	124	their	their	PRON
amae-407	2	125	student	student	NOUN
amae-407	2	126	loan	loan	NOUN
amae-407	2	127	debt	debt	NOUN
amae-407	2	128	.	.	PUNCT
amae-407	3	1	guided	guide	VERB
amae-407	3	2	by	by	ADP
amae-407	3	3	mckinney	mckinney	PROPN
amae-407	3	4	et	et	PROPN
amae-407	3	5	al	al	PROPN
amae-407	3	6	.	.	PROPN
amae-407	3	7	’s	’s	PART
amae-407	3	8	(	(	PUNCT
amae-407	3	9	2015	2015	NUM
amae-407	3	10	)	)	PUNCT
amae-407	3	11	student	student	NOUN
amae-407	3	12	borrower	borrower	NOUN
amae-407	3	13	behavior	behavior	NOUN
amae-407	3	14	and	and	CCONJ
amae-407	3	15	attitudes	attitude	NOUN
amae-407	3	16	model	model	NOUN
amae-407	3	17	,	,	PUNCT
amae-407	3	18	we	we	PRON
amae-407	3	19	framed	frame	VERB
amae-407	3	20	our	our	PRON
amae-407	3	21	study	study	NOUN
amae-407	3	22	around	around	ADP
amae-407	3	23	the	the	DET
amae-407	3	24	following	follow	VERB
amae-407	3	25	themes	theme	NOUN
amae-407	3	26	:	:	PUNCT
amae-407	3	27	sources	source	NOUN
amae-407	3	28	of	of	ADP
amae-407	3	29	information	information	NOUN
amae-407	3	30	,	,	PUNCT
amae-407	3	31	rationale	rationale	NOUN
amae-407	3	32	for	for	ADP
amae-407	3	33	borrowing	borrowing	NOUN
amae-407	3	34	,	,	PUNCT
amae-407	3	35	and	and	CCONJ
amae-407	3	36	the	the	DET
amae-407	3	37	burden	burden	NOUN
amae-407	3	38	of	of	ADP
amae-407	3	39	debt	debt	NOUN
amae-407	3	40	.	.	PUNCT
amae-407	4	1	findings	finding	NOUN
amae-407	4	2	underscore	underscore	VERB
amae-407	4	3	the	the	DET
amae-407	4	4	importance	importance	NOUN
amae-407	4	5	of	of	ADP
amae-407	4	6	financial	financial	ADJ
amae-407	4	7	literacy	literacy	NOUN
amae-407	4	8	and	and	CCONJ
amae-407	4	9	provide	provide	VERB
amae-407	4	10	insight	insight	NOUN
amae-407	4	11	as	as	ADP
amae-407	4	12	to	to	ADP
amae-407	4	13	how	how	SCONJ
amae-407	4	14	institutions	institution	NOUN
amae-407	4	15	can	can	AUX
amae-407	4	16	better	well	ADV
amae-407	4	17	support	support	VERB
amae-407	4	18	latinx	latinx	NOUN
amae-407	4	19	students	student	NOUN
amae-407	4	20	in	in	ADP
amae-407	4	21	making	make	VERB
amae-407	4	22	informed	informed	ADJ
amae-407	4	23	decisions	decision	NOUN
amae-407	4	24	about	about	ADP
amae-407	4	25	borrowing	borrow	VERB
amae-407	4	26	loans	loan	NOUN
amae-407	4	27	to	to	PART
amae-407	4	28	pay	pay	VERB
amae-407	4	29	for	for	ADP
amae-407	4	30	and	and	CCONJ
amae-407	4	31	finish	finish	VERB
amae-407	4	32	college	college	NOUN
amae-407	4	33	.	.	PUNCT
amae-407	5	1	keywords	keyword	NOUN
amae-407	5	2	:	:	PUNCT
amae-407	5	3	latinx	latinx	NOUN
amae-407	5	4	students	student	NOUN
amae-407	5	5	,	,	PUNCT
amae-407	5	6	hsi	hsi	PROPN
amae-407	5	7	,	,	PUNCT
amae-407	5	8	student	student	NOUN
amae-407	5	9	loan	loan	NOUN
amae-407	5	10	debt	debt	NOUN
amae-407	5	11	,	,	PUNCT
amae-407	5	12	borrowing	borrow	VERB
amae-407	5	13	perceptions	perception	NOUN
amae-407	5	14	,	,	PUNCT
amae-407	5	15	financial	financial	ADJ
amae-407	5	16	literacy	literacy	NOUN
amae-407	5	17	doi	doi	NOUN
amae-407	5	18	:	:	PUNCT
amae-407	5	19	https://doi.org/10.24974/amae.14.3.407	https://doi.org/10.24974/amae.14.3.407	NOUN
amae-407	5	20	https://doi.org/10.24974/amae.14.3.407	https://doi.org/10.24974/amae.14.3.407	PROPN
amae-407	5	21	carales	carale	NOUN
amae-407	5	22	,	,	PUNCT
amae-407	5	23	molina	molina	PROPN
amae-407	5	24	&	&	CCONJ
amae-407	5	25	hooker	hooker	PROPN
amae-407	5	26	association	association	PROPN
amae-407	5	27	of	of	ADP
amae-407	5	28	mexican	mexican	PROPN
amae-407	5	29	american	american	PROPN
amae-407	5	30	educators	educator	NOUN
amae-407	5	31	(	(	PUNCT
amae-407	5	32	amae	amae	NOUN
amae-407	5	33	)	)	PUNCT
amae-407	5	34	journal	journal	NOUN
amae-407	5	35	©	©	PROPN
amae-407	5	36	2020	2020	NUM
amae-407	5	37	,	,	PUNCT
amae-407	5	38	volume	volume	NOUN
amae-407	5	39	14	14	NUM
amae-407	5	40	,	,	PUNCT
amae-407	5	41	issue	issue	NOUN
amae-407	5	42	3	3	NUM
amae-407	5	43	31	31	NUM
amae-407	5	44	introduction	introduction	NOUN
amae-407	5	45	student	student	NOUN
amae-407	5	46	debt	debt	NOUN
amae-407	5	47	has	have	AUX
amae-407	5	48	been	be	AUX
amae-407	5	49	reported	report	VERB
amae-407	5	50	as	as	ADP
amae-407	5	51	a	a	DET
amae-407	5	52	major	major	ADJ
amae-407	5	53	economic	economic	ADJ
amae-407	5	54	crisis	crisis	NOUN
amae-407	5	55	,	,	PUNCT
amae-407	5	56	mainly	mainly	ADV
amae-407	5	57	driven	drive	VERB
amae-407	5	58	by	by	ADP
amae-407	5	59	negative	negative	ADJ
amae-407	5	60	media	medium	NOUN
amae-407	5	61	reports	report	NOUN
amae-407	5	62	(	(	PUNCT
amae-407	5	63	baum	baum	NOUN
amae-407	5	64	,	,	PUNCT
amae-407	5	65	2016	2016	NUM
amae-407	5	66	)	)	PUNCT
amae-407	5	67	.	.	PUNCT
amae-407	6	1	in	in	ADP
amae-407	6	2	2018	2018	NUM
amae-407	6	3	-	-	SYM
amae-407	6	4	2019	2019	NUM
amae-407	6	5	,	,	PUNCT
amae-407	6	6	$	$	SYM
amae-407	6	7	151	151	NUM
amae-407	6	8	billion	billion	NUM
amae-407	6	9	dollars	dollar	NOUN
amae-407	6	10	in	in	ADP
amae-407	6	11	federal	federal	ADJ
amae-407	6	12	financial	financial	ADJ
amae-407	6	13	aid	aid	NOUN
amae-407	6	14	was	be	AUX
amae-407	6	15	disbursed	disburse	VERB
amae-407	6	16	to	to	ADP
amae-407	6	17	students	student	NOUN
amae-407	6	18	,	,	PUNCT
amae-407	6	19	of	of	ADP
amae-407	6	20	which	which	PRON
amae-407	6	21	$	$	SYM
amae-407	6	22	93	93	NUM
amae-407	6	23	million	million	NUM
amae-407	6	24	(	(	PUNCT
amae-407	6	25	62	62	NUM
amae-407	6	26	%	%	NOUN
amae-407	6	27	)	)	PUNCT
amae-407	6	28	was	be	AUX
amae-407	6	29	in	in	ADP
amae-407	6	30	the	the	DET
amae-407	6	31	form	form	NOUN
amae-407	6	32	of	of	ADP
amae-407	6	33	federal	federal	ADJ
amae-407	6	34	student	student	NOUN
amae-407	6	35	loans	loan	NOUN
amae-407	6	36	to	to	ADP
amae-407	6	37	6.2	6.2	NUM
amae-407	6	38	million	million	NUM
amae-407	6	39	undergraduates	undergraduate	NOUN
amae-407	6	40	(	(	PUNCT
amae-407	6	41	college	college	NOUN
amae-407	6	42	board	board	NOUN
amae-407	6	43	,	,	PUNCT
amae-407	6	44	2019	2019	NUM
amae-407	6	45	)	)	PUNCT
amae-407	6	46	.	.	PUNCT
amae-407	7	1	the	the	DET
amae-407	7	2	combination	combination	NOUN
amae-407	7	3	of	of	ADP
amae-407	7	4	rising	rise	VERB
amae-407	7	5	tuition	tuition	NOUN
amae-407	7	6	and	and	CCONJ
amae-407	7	7	decreasing	decrease	VERB
amae-407	7	8	government	government	NOUN
amae-407	7	9	support	support	NOUN
amae-407	7	10	contributed	contribute	VERB
amae-407	7	11	to	to	ADP
amae-407	7	12	borrowers	borrower	NOUN
amae-407	7	13	relying	rely	VERB
amae-407	7	14	more	more	ADV
amae-407	7	15	on	on	ADP
amae-407	7	16	loans	loan	NOUN
amae-407	7	17	to	to	PART
amae-407	7	18	attend	attend	VERB
amae-407	7	19	college	college	NOUN
amae-407	7	20	(	(	PUNCT
amae-407	7	21	furquim	furquim	NOUN
amae-407	7	22	et	et	PROPN
amae-407	7	23	al	al	PROPN
amae-407	7	24	.	.	PROPN
amae-407	7	25	,	,	PUNCT
amae-407	7	26	2017	2017	NUM
amae-407	7	27	)	)	PUNCT
amae-407	7	28	.	.	PUNCT
amae-407	8	1	due	due	ADP
amae-407	8	2	to	to	ADP
amae-407	8	3	this	this	DET
amae-407	8	4	increased	increase	VERB
amae-407	8	5	reliance	reliance	NOUN
amae-407	8	6	on	on	ADP
amae-407	8	7	loans	loan	NOUN
amae-407	8	8	,	,	PUNCT
amae-407	8	9	understanding	understand	VERB
amae-407	8	10	how	how	SCONJ
amae-407	8	11	students	student	NOUN
amae-407	8	12	decide	decide	VERB
amae-407	8	13	about	about	ADP
amae-407	8	14	acquiring	acquire	VERB
amae-407	8	15	student	student	NOUN
amae-407	8	16	loan	loan	NOUN
amae-407	8	17	debt	debt	NOUN
amae-407	8	18	to	to	PART
amae-407	8	19	pay	pay	VERB
amae-407	8	20	for	for	ADP
amae-407	8	21	college	college	NOUN
amae-407	8	22	is	be	AUX
amae-407	8	23	critical	critical	ADJ
amae-407	8	24	(	(	PUNCT
amae-407	8	25	boatman	boatman	NOUN
amae-407	8	26	et	et	PROPN
amae-407	8	27	al	al	PROPN
amae-407	8	28	.	.	PROPN
amae-407	8	29	,	,	PUNCT
amae-407	8	30	2017	2017	NUM
amae-407	8	31	;	;	PUNCT
amae-407	8	32	zerquera	zerquera	NOUN
amae-407	8	33	et	et	PROPN
amae-407	8	34	al	al	PROPN
amae-407	8	35	.	.	PROPN
amae-407	8	36	,	,	PUNCT
amae-407	8	37	2017	2017	NUM
amae-407	8	38	)	)	PUNCT
amae-407	8	39	.	.	PUNCT
amae-407	9	1	the	the	DET
amae-407	9	2	purpose	purpose	NOUN
amae-407	9	3	of	of	ADP
amae-407	9	4	this	this	DET
amae-407	9	5	study	study	NOUN
amae-407	9	6	was	be	AUX
amae-407	9	7	to	to	PART
amae-407	9	8	explore	explore	VERB
amae-407	9	9	students	student	NOUN
amae-407	9	10	’	'	PUNCT
amae-407	9	11	knowledge	knowledge	NOUN
amae-407	9	12	of	of	ADP
amae-407	9	13	and	and	CCONJ
amae-407	9	14	experiences	experience	NOUN
amae-407	9	15	with	with	ADP
amae-407	9	16	student	student	NOUN
amae-407	9	17	loans	loan	NOUN
amae-407	9	18	.	.	PUNCT
amae-407	10	1	the	the	DET
amae-407	10	2	following	follow	VERB
amae-407	10	3	research	research	NOUN
amae-407	10	4	question	question	NOUN
amae-407	10	5	guided	guide	VERB
amae-407	10	6	the	the	DET
amae-407	10	7	study	study	NOUN
amae-407	10	8	:	:	PUNCT
amae-407	10	9	how	how	SCONJ
amae-407	10	10	do	do	AUX
amae-407	10	11	latinx	latinx	VERB
amae-407	10	12	college	college	NOUN
amae-407	10	13	graduates	graduate	NOUN
amae-407	10	14	describe	describe	VERB
amae-407	10	15	their	their	PRON
amae-407	10	16	experiences	experience	NOUN
amae-407	10	17	with	with	ADP
amae-407	10	18	borrowing	borrowing	NOUN
amae-407	10	19	student	student	NOUN
amae-407	10	20	loans	loan	NOUN
amae-407	10	21	to	to	PART
amae-407	10	22	pay	pay	VERB
amae-407	10	23	for	for	ADP
amae-407	10	24	college	college	NOUN
amae-407	10	25	?	?	PUNCT
amae-407	11	1	we	we	PRON
amae-407	11	2	focus	focus	VERB
amae-407	11	3	exclusively	exclusively	ADV
amae-407	11	4	on	on	ADP
amae-407	11	5	latinx	latinx	NOUN
amae-407	11	6	students	student	NOUN
amae-407	11	7	because	because	SCONJ
amae-407	11	8	of	of	ADP
amae-407	11	9	their	their	PRON
amae-407	11	10	known	know	VERB
amae-407	11	11	aversion	aversion	NOUN
amae-407	11	12	to	to	ADP
amae-407	11	13	borrowing	borrowing	NOUN
amae-407	11	14	,	,	PUNCT
amae-407	11	15	which	which	PRON
amae-407	11	16	we	we	PRON
amae-407	11	17	discuss	discuss	VERB
amae-407	11	18	in	in	ADP
amae-407	11	19	the	the	DET
amae-407	11	20	next	next	ADJ
amae-407	11	21	section	section	NOUN
amae-407	11	22	.	.	PUNCT
amae-407	12	1	we	we	PRON
amae-407	12	2	then	then	ADV
amae-407	12	3	provide	provide	VERB
amae-407	12	4	background	background	NOUN
amae-407	12	5	information	information	NOUN
amae-407	12	6	regarding	regard	VERB
amae-407	12	7	hispanic	hispanic	ADJ
amae-407	12	8	-	-	PUNCT
amae-407	12	9	serving	serve	VERB
amae-407	12	10	institutions	institution	NOUN
amae-407	12	11	(	(	PUNCT
amae-407	12	12	hsis	hsis	NOUN
amae-407	12	13	)	)	PUNCT
amae-407	12	14	,	,	PUNCT
amae-407	12	15	review	review	VERB
amae-407	12	16	research	research	NOUN
amae-407	12	17	on	on	ADP
amae-407	12	18	student	student	NOUN
amae-407	12	19	loan	loan	NOUN
amae-407	12	20	debt	debt	NOUN
amae-407	12	21	,	,	PUNCT
amae-407	12	22	and	and	CCONJ
amae-407	12	23	present	present	VERB
amae-407	12	24	our	our	PRON
amae-407	12	25	guiding	guide	VERB
amae-407	12	26	theoretical	theoretical	ADJ
amae-407	12	27	framework	framework	NOUN
amae-407	12	28	.	.	PUNCT
amae-407	13	1	in	in	ADP
amae-407	13	2	subsequent	subsequent	ADJ
amae-407	13	3	sections	section	NOUN
amae-407	13	4	,	,	PUNCT
amae-407	13	5	we	we	PRON
amae-407	13	6	discuss	discuss	VERB
amae-407	13	7	our	our	PRON
amae-407	13	8	research	research	NOUN
amae-407	13	9	methods	method	NOUN
amae-407	13	10	,	,	PUNCT
amae-407	13	11	findings	finding	NOUN
amae-407	13	12	,	,	PUNCT
amae-407	13	13	study	study	NOUN
amae-407	13	14	implications	implication	NOUN
amae-407	13	15	,	,	PUNCT
amae-407	13	16	and	and	CCONJ
amae-407	13	17	conclusions	conclusion	NOUN
amae-407	13	18	.	.	PUNCT
amae-407	14	1	literature	literature	PROPN
amae-407	14	2	review	review	PROPN
amae-407	14	3	latinx	latinx	NOUN
amae-407	14	4	student	student	NOUN
amae-407	14	5	loan	loan	NOUN
amae-407	14	6	aversion	aversion	NOUN
amae-407	14	7	research	research	NOUN
amae-407	14	8	on	on	ADP
amae-407	14	9	latinx	latinx	NOUN
amae-407	14	10	experiences	experience	NOUN
amae-407	14	11	with	with	ADP
amae-407	14	12	student	student	NOUN
amae-407	14	13	loans	loan	NOUN
amae-407	14	14	emphasizes	emphasize	VERB
amae-407	14	15	their	their	PRON
amae-407	14	16	aversion	aversion	NOUN
amae-407	14	17	to	to	ADP
amae-407	14	18	borrowing	borrowing	NOUN
amae-407	14	19	(	(	PUNCT
amae-407	14	20	boatman	boatman	NOUN
amae-407	14	21	et	et	PROPN
amae-407	14	22	al	al	PROPN
amae-407	14	23	.	.	PROPN
amae-407	14	24	,	,	PUNCT
amae-407	14	25	2017	2017	NUM
amae-407	14	26	)	)	PUNCT
amae-407	14	27	.	.	PUNCT
amae-407	15	1	this	this	PRON
amae-407	15	2	is	be	AUX
amae-407	15	3	problematic	problematic	ADJ
amae-407	15	4	given	give	VERB
amae-407	15	5	that	that	SCONJ
amae-407	15	6	non	non	ADJ
amae-407	15	7	-	-	ADJ
amae-407	15	8	borrowing	borrowing	ADJ
amae-407	15	9	latinx	latinx	NOUN
amae-407	15	10	students	student	NOUN
amae-407	15	11	have	have	AUX
amae-407	15	12	been	be	AUX
amae-407	15	13	less	less	ADV
amae-407	15	14	likely	likely	ADJ
amae-407	15	15	to	to	PART
amae-407	15	16	attain	attain	VERB
amae-407	15	17	their	their	PRON
amae-407	15	18	degrees	degree	NOUN
amae-407	15	19	(	(	PUNCT
amae-407	15	20	cunningham	cunningham	PROPN
amae-407	15	21	&	&	CCONJ
amae-407	15	22	santiago	santiago	PROPN
amae-407	15	23	,	,	PUNCT
amae-407	15	24	2008	2008	NUM
amae-407	15	25	)	)	PUNCT
amae-407	15	26	.	.	PUNCT
amae-407	16	1	boatman	boatman	PROPN
amae-407	16	2	et	et	PROPN
amae-407	16	3	al	al	PROPN
amae-407	16	4	.	.	PROPN
amae-407	17	1	(	(	PUNCT
amae-407	17	2	2017	2017	NUM
amae-407	17	3	)	)	PUNCT
amae-407	17	4	also	also	ADV
amae-407	17	5	suggested	suggest	VERB
amae-407	17	6	that	that	SCONJ
amae-407	17	7	avoiding	avoid	VERB
amae-407	17	8	borrowing	borrowing	NOUN
amae-407	17	9	is	be	AUX
amae-407	17	10	more	more	ADV
amae-407	17	11	dependent	dependent	ADJ
amae-407	17	12	on	on	ADP
amae-407	17	13	context	context	NOUN
amae-407	17	14	.	.	PUNCT
amae-407	18	1	they	they	PRON
amae-407	18	2	noted	note	VERB
amae-407	18	3	that	that	SCONJ
amae-407	18	4	family	family	NOUN
amae-407	18	5	influence	influence	NOUN
amae-407	18	6	plays	play	VERB
amae-407	18	7	a	a	DET
amae-407	18	8	major	major	ADJ
amae-407	18	9	role	role	NOUN
amae-407	18	10	in	in	ADP
amae-407	18	11	latinx	latinx	NOUN
amae-407	18	12	decisions	decision	NOUN
amae-407	18	13	to	to	PART
amae-407	18	14	borrow	borrow	VERB
amae-407	18	15	,	,	PUNCT
amae-407	18	16	and	and	CCONJ
amae-407	18	17	speculated	speculate	VERB
amae-407	18	18	that	that	SCONJ
amae-407	18	19	latinx	latinx	NOUN
amae-407	18	20	students	student	NOUN
amae-407	18	21	were	be	AUX
amae-407	18	22	more	more	ADV
amae-407	18	23	averse	averse	ADJ
amae-407	18	24	to	to	ADP
amae-407	18	25	borrowing	borrowing	NOUN
amae-407	18	26	because	because	SCONJ
amae-407	18	27	of	of	ADP
amae-407	18	28	having	have	VERB
amae-407	18	29	less	less	ADJ
amae-407	18	30	familial	familial	ADJ
amae-407	18	31	capital	capital	NOUN
amae-407	18	32	than	than	ADP
amae-407	18	33	their	their	PRON
amae-407	18	34	white	white	ADJ
amae-407	18	35	peers	peer	NOUN
amae-407	18	36	(	(	PUNCT
amae-407	18	37	boatman	boatman	NOUN
amae-407	18	38	et	et	PROPN
amae-407	18	39	al	al	PROPN
amae-407	18	40	.	.	PROPN
amae-407	18	41	,	,	PUNCT
amae-407	18	42	2017	2017	NUM
amae-407	18	43	)	)	PUNCT
amae-407	18	44	.	.	PUNCT
amae-407	19	1	yet	yet	ADV
amae-407	19	2	,	,	PUNCT
amae-407	19	3	debt	debt	NOUN
amae-407	19	4	aversion	aversion	NOUN
amae-407	19	5	only	only	ADV
amae-407	19	6	paints	paint	VERB
amae-407	19	7	a	a	DET
amae-407	19	8	partial	partial	ADJ
amae-407	19	9	picture	picture	NOUN
amae-407	19	10	of	of	ADP
amae-407	19	11	borrowing	borrowing	NOUN
amae-407	19	12	behaviors	behavior	NOUN
amae-407	19	13	for	for	ADP
amae-407	19	14	latinx	latinx	NOUN
amae-407	19	15	students	student	NOUN
amae-407	19	16	,	,	PUNCT
amae-407	19	17	especially	especially	ADV
amae-407	19	18	when	when	SCONJ
amae-407	19	19	considering	consider	VERB
amae-407	19	20	other	other	ADJ
amae-407	19	21	facets	facet	NOUN
amae-407	19	22	of	of	ADP
amae-407	19	23	this	this	DET
amae-407	19	24	student	student	NOUN
amae-407	19	25	subgroup	subgroup	NOUN
amae-407	19	26	.	.	PUNCT
amae-407	20	1	aside	aside	ADV
amae-407	20	2	from	from	ADP
amae-407	20	3	being	be	AUX
amae-407	20	4	deemed	deem	VERB
amae-407	20	5	debt	debt	NOUN
amae-407	20	6	-	-	PUNCT
amae-407	20	7	averse	averse	ADJ
amae-407	20	8	,	,	PUNCT
amae-407	20	9	latinx	latinx	NOUN
amae-407	20	10	students	student	NOUN
amae-407	20	11	have	have	AUX
amae-407	20	12	typically	typically	ADV
amae-407	20	13	come	come	VERB
amae-407	20	14	from	from	ADP
amae-407	20	15	low	low	ADJ
amae-407	20	16	-	-	PUNCT
amae-407	20	17	income	income	NOUN
amae-407	20	18	communities	community	NOUN
amae-407	20	19	who	who	PRON
amae-407	20	20	struggle	struggle	VERB
amae-407	20	21	with	with	ADP
amae-407	20	22	paying	pay	VERB
amae-407	20	23	for	for	ADP
amae-407	20	24	college	college	NOUN
amae-407	20	25	(	(	PUNCT
amae-407	20	26	rendón	rendón	PROPN
amae-407	20	27	et	et	PROPN
amae-407	20	28	al	al	PROPN
amae-407	20	29	.	.	PROPN
amae-407	20	30	,	,	PUNCT
amae-407	20	31	2012	2012	NUM
amae-407	20	32	)	)	PUNCT
amae-407	20	33	.	.	PUNCT
amae-407	21	1	such	such	ADJ
amae-407	21	2	high	high	ADJ
amae-407	21	3	college	college	NOUN
amae-407	21	4	costs	cost	NOUN
amae-407	21	5	may	may	AUX
amae-407	21	6	also	also	ADV
amae-407	21	7	deter	deter	VERB
amae-407	21	8	financial	financial	ADJ
amae-407	21	9	support	support	NOUN
amae-407	21	10	from	from	ADP
amae-407	21	11	parents	parent	NOUN
amae-407	21	12	(	(	PUNCT
amae-407	21	13	salinas	salinas	PROPN
amae-407	21	14	&	&	CCONJ
amae-407	21	15	hidrowoh	hidrowoh	PROPN
amae-407	21	16	,	,	PUNCT
amae-407	21	17	2018	2018	NUM
amae-407	21	18	)	)	PUNCT
amae-407	21	19	,	,	PUNCT
amae-407	21	20	leaving	leave	VERB
amae-407	21	21	latinx	latinx	NOUN
amae-407	21	22	“	"	PUNCT
amae-407	21	23	without	without	ADP
amae-407	21	24	them	they	PRON
amae-407	21	25	”	"	PUNCT
amae-407	21	26	association	association	NOUN
amae-407	21	27	of	of	ADP
amae-407	21	28	mexican	mexican	PROPN
amae-407	21	29	american	american	PROPN
amae-407	21	30	educators	educator	NOUN
amae-407	21	31	(	(	PUNCT
amae-407	21	32	amae	amae	NOUN
amae-407	21	33	)	)	PUNCT
amae-407	21	34	journal	journal	NOUN
amae-407	21	35	©	©	PROPN
amae-407	21	36	2020	2020	NUM
amae-407	21	37	,	,	PUNCT
amae-407	21	38	volume	volume	NOUN
amae-407	21	39	14	14	NUM
amae-407	21	40	,	,	PUNCT
amae-407	21	41	issue	issue	VERB
amae-407	21	42	3	3	NUM
amae-407	21	43	32	32	NUM
amae-407	21	44	students	student	NOUN
amae-407	21	45	without	without	ADP
amae-407	21	46	the	the	DET
amae-407	21	47	option	option	NOUN
amae-407	21	48	to	to	PART
amae-407	21	49	avoid	avoid	VERB
amae-407	21	50	borrowing	borrow	VERB
amae-407	21	51	.	.	PUNCT
amae-407	22	1	this	this	DET
amae-407	22	2	situational	situational	ADJ
amae-407	22	3	context	context	NOUN
amae-407	22	4	can	can	AUX
amae-407	22	5	explain	explain	VERB
amae-407	22	6	why	why	SCONJ
amae-407	22	7	from	from	ADP
amae-407	22	8	2004	2004	NUM
amae-407	22	9	to	to	ADP
amae-407	22	10	2016	2016	NUM
amae-407	22	11	,	,	PUNCT
amae-407	22	12	latinx	latinx	NOUN
amae-407	22	13	student	student	NOUN
amae-407	22	14	borrowing	borrowing	NOUN
amae-407	22	15	increased	increase	VERB
amae-407	22	16	from	from	ADP
amae-407	22	17	42	42	NUM
amae-407	22	18	%	%	NOUN
amae-407	22	19	to	to	PART
amae-407	22	20	46	46	NUM
amae-407	22	21	%	%	NOUN
amae-407	22	22	(	(	PUNCT
amae-407	22	23	unidosus	unidosus	NOUN
amae-407	22	24	,	,	PUNCT
amae-407	22	25	2019a	2019a	NUM
amae-407	22	26	)	)	PUNCT
amae-407	22	27	.	.	PUNCT
amae-407	23	1	in	in	ADP
amae-407	23	2	texas	texas	PROPN
amae-407	23	3	,	,	PUNCT
amae-407	23	4	where	where	SCONJ
amae-407	23	5	the	the	DET
amae-407	23	6	current	current	ADJ
amae-407	23	7	study	study	NOUN
amae-407	23	8	takes	take	VERB
amae-407	23	9	place	place	NOUN
amae-407	23	10	,	,	PUNCT
amae-407	23	11	latinx	latinx	NOUN
amae-407	23	12	students	student	NOUN
amae-407	23	13	were	be	AUX
amae-407	23	14	found	find	VERB
amae-407	23	15	to	to	PART
amae-407	23	16	have	have	VERB
amae-407	23	17	higher	high	ADJ
amae-407	23	18	debt	debt	NOUN
amae-407	23	19	burdens	burden	NOUN
amae-407	23	20	than	than	ADP
amae-407	23	21	white	white	ADJ
amae-407	23	22	students	student	NOUN
amae-407	23	23	(	(	PUNCT
amae-407	23	24	baker	baker	PROPN
amae-407	23	25	,	,	PUNCT
amae-407	23	26	2019a	2019a	NUM
amae-407	23	27	)	)	PUNCT
amae-407	23	28	,	,	PUNCT
amae-407	23	29	further	far	ADV
amae-407	23	30	challenging	challenge	VERB
amae-407	23	31	the	the	DET
amae-407	23	32	debt	debt	NOUN
amae-407	23	33	aversion	aversion	NOUN
amae-407	23	34	narrative	narrative	NOUN
amae-407	23	35	.	.	PUNCT
amae-407	24	1	such	such	ADJ
amae-407	24	2	data	data	NOUN
amae-407	24	3	suggests	suggest	VERB
amae-407	24	4	that	that	SCONJ
amae-407	24	5	avoidant	avoidant	ADJ
amae-407	24	6	behaviors	behavior	NOUN
amae-407	24	7	towards	towards	ADP
amae-407	24	8	borrowing	borrow	VERB
amae-407	24	9	generalized	generalize	VERB
amae-407	24	10	to	to	PART
amae-407	24	11	latinx	latinx	VERB
amae-407	24	12	students	student	NOUN
amae-407	24	13	are	be	AUX
amae-407	24	14	misconceived	misconceive	VERB
amae-407	24	15	.	.	PUNCT
amae-407	25	1	in	in	ADP
amae-407	25	2	fact	fact	NOUN
amae-407	25	3	,	,	PUNCT
amae-407	25	4	educational	educational	ADJ
amae-407	25	5	debt	debt	NOUN
amae-407	25	6	has	have	AUX
amae-407	25	7	steadily	steadily	ADV
amae-407	25	8	increased	increase	VERB
amae-407	25	9	for	for	ADP
amae-407	25	10	latinx	latinx	NOUN
amae-407	25	11	families	family	NOUN
amae-407	25	12	,	,	PUNCT
amae-407	25	13	from	from	ADP
amae-407	25	14	14	14	NUM
amae-407	25	15	%	%	NOUN
amae-407	25	16	in	in	ADP
amae-407	25	17	2007	2007	NUM
amae-407	25	18	to	to	PART
amae-407	25	19	20	20	NUM
amae-407	25	20	%	%	NOUN
amae-407	25	21	by	by	ADP
amae-407	25	22	2016	2016	NUM
amae-407	25	23	(	(	PUNCT
amae-407	25	24	unidosus	unidosus	NOUN
amae-407	25	25	,	,	PUNCT
amae-407	25	26	2019a	2019a	NUM
amae-407	25	27	)	)	PUNCT
amae-407	25	28	,	,	PUNCT
amae-407	25	29	making	make	VERB
amae-407	25	30	it	it	PRON
amae-407	25	31	critical	critical	ADJ
amae-407	25	32	to	to	PART
amae-407	25	33	increase	increase	VERB
amae-407	25	34	our	our	PRON
amae-407	25	35	understanding	understanding	NOUN
amae-407	25	36	of	of	ADP
amae-407	25	37	how	how	SCONJ
amae-407	25	38	latinx	latinx	NOUN
amae-407	25	39	students	student	NOUN
amae-407	25	40	navigate	navigate	VERB
amae-407	25	41	student	student	NOUN
amae-407	25	42	loans	loan	NOUN
amae-407	25	43	.	.	PUNCT
amae-407	26	1	hispanic	hispanic	ADJ
amae-407	26	2	-	-	PUNCT
amae-407	26	3	serving	serve	VERB
amae-407	26	4	institutions	institution	NOUN
amae-407	26	5	hispanic	hispanic	ADV
amae-407	26	6	-	-	PUNCT
amae-407	26	7	serving	serve	VERB
amae-407	26	8	institutions	institution	NOUN
amae-407	26	9	(	(	PUNCT
amae-407	26	10	hsis	hsis	NOUN
amae-407	26	11	)	)	PUNCT
amae-407	26	12	are	be	AUX
amae-407	26	13	federally	federally	ADV
amae-407	26	14	-	-	PUNCT
amae-407	26	15	designated	designate	VERB
amae-407	26	16	postsecondary	postsecondary	ADJ
amae-407	26	17	institutions	institution	NOUN
amae-407	26	18	that	that	PRON
amae-407	26	19	have	have	VERB
amae-407	26	20	at	at	ADV
amae-407	26	21	least	least	ADV
amae-407	26	22	25	25	NUM
amae-407	26	23	%	%	NOUN
amae-407	26	24	latinx	latinx	NOUN
amae-407	26	25	undergraduate	undergraduate	NOUN
amae-407	26	26	student	student	NOUN
amae-407	26	27	population	population	NOUN
amae-407	26	28	.	.	PUNCT
amae-407	27	1	the	the	DET
amae-407	27	2	total	total	ADJ
amae-407	27	3	number	number	NOUN
amae-407	27	4	of	of	ADP
amae-407	27	5	hsis	hsis	NOUN
amae-407	27	6	nationwide	nationwide	ADV
amae-407	27	7	has	have	AUX
amae-407	27	8	grown	grow	VERB
amae-407	27	9	consistently	consistently	ADV
amae-407	27	10	since	since	SCONJ
amae-407	27	11	the	the	DET
amae-407	27	12	creation	creation	NOUN
amae-407	27	13	of	of	ADP
amae-407	27	14	the	the	DET
amae-407	27	15	designation	designation	NOUN
amae-407	27	16	in	in	ADP
amae-407	27	17	1992	1992	NUM
amae-407	27	18	(	(	PUNCT
amae-407	27	19	valdez	valdez	PROPN
amae-407	27	20	,	,	PUNCT
amae-407	27	21	2015	2015	NUM
amae-407	27	22	)	)	PUNCT
amae-407	27	23	.	.	PUNCT
amae-407	28	1	in	in	ADP
amae-407	28	2	2017	2017	NUM
amae-407	28	3	-	-	SYM
amae-407	28	4	2018	2018	NUM
amae-407	28	5	,	,	PUNCT
amae-407	28	6	there	there	PRON
amae-407	28	7	were	be	VERB
amae-407	28	8	539	539	NUM
amae-407	28	9	institutions	institution	NOUN
amae-407	28	10	that	that	PRON
amae-407	28	11	met	meet	VERB
amae-407	28	12	the	the	DET
amae-407	28	13	25	25	NUM
amae-407	28	14	%	%	NOUN
amae-407	28	15	or	or	CCONJ
amae-407	28	16	above	above	ADP
amae-407	28	17	enrollment	enrollment	NOUN
amae-407	28	18	criteria	criterion	NOUN
amae-407	28	19	(	(	PUNCT
amae-407	28	20	hispanic	hispanic	ADJ
amae-407	28	21	association	association	NOUN
amae-407	28	22	of	of	ADP
amae-407	28	23	colleges	college	NOUN
amae-407	28	24	and	and	CCONJ
amae-407	28	25	universities	university	NOUN
amae-407	28	26	,	,	PUNCT
amae-407	28	27	2020	2020	NUM
amae-407	28	28	)	)	PUNCT
amae-407	28	29	.	.	PUNCT
amae-407	29	1	moreover	moreover	ADV
amae-407	29	2	,	,	PUNCT
amae-407	29	3	30	30	NUM
amae-407	29	4	%	%	NOUN
amae-407	29	5	of	of	ADP
amae-407	29	6	undergraduates	undergraduate	NOUN
amae-407	29	7	received	receive	VERB
amae-407	29	8	federal	federal	ADJ
amae-407	29	9	student	student	NOUN
amae-407	29	10	loans	loan	NOUN
amae-407	29	11	at	at	ADP
amae-407	29	12	hsis,1	hsis,1	NOUN
amae-407	29	13	underscoring	underscore	VERB
amae-407	29	14	the	the	DET
amae-407	29	15	necessity	necessity	NOUN
amae-407	29	16	of	of	ADP
amae-407	29	17	debt	debt	NOUN
amae-407	29	18	that	that	PRON
amae-407	29	19	many	many	ADJ
amae-407	29	20	latinx	latinx	NOUN
amae-407	29	21	students	student	NOUN
amae-407	29	22	must	must	AUX
amae-407	29	23	take	take	VERB
amae-407	29	24	on	on	ADP
amae-407	29	25	(	(	PUNCT
amae-407	29	26	college	college	NOUN
amae-407	29	27	scorecard	scorecard	NOUN
amae-407	29	28	,	,	PUNCT
amae-407	29	29	2020	2020	NUM
amae-407	29	30	)	)	PUNCT
amae-407	29	31	.	.	PUNCT
amae-407	30	1	in	in	ADP
amae-407	30	2	their	their	PRON
amae-407	30	3	systematic	systematic	ADJ
amae-407	30	4	review	review	NOUN
amae-407	30	5	of	of	ADP
amae-407	30	6	research	research	NOUN
amae-407	30	7	on	on	ADP
amae-407	30	8	hsis	hsis	NOUN
amae-407	30	9	,	,	PUNCT
amae-407	30	10	garcia	garcia	PROPN
amae-407	30	11	et	et	PROPN
amae-407	30	12	al	al	PROPN
amae-407	30	13	.	.	PROPN
amae-407	30	14	(	(	PUNCT
amae-407	30	15	2019	2019	NUM
amae-407	30	16	)	)	PUNCT
amae-407	30	17	concluded	conclude	VERB
amae-407	30	18	that	that	SCONJ
amae-407	30	19	the	the	DET
amae-407	30	20	concept	concept	NOUN
amae-407	30	21	of	of	ADP
amae-407	30	22	serving	serve	VERB
amae-407	30	23	students	student	NOUN
amae-407	30	24	was	be	AUX
amae-407	30	25	predominantly	predominantly	ADV
amae-407	30	26	based	base	VERB
amae-407	30	27	on	on	ADP
amae-407	30	28	student	student	NOUN
amae-407	30	29	-	-	PUNCT
amae-407	30	30	level	level	NOUN
amae-407	30	31	outcomes	outcome	NOUN
amae-407	30	32	,	,	PUNCT
amae-407	30	33	institutional	institutional	ADJ
amae-407	30	34	experiences	experience	NOUN
amae-407	30	35	,	,	PUNCT
amae-407	30	36	organizational	organizational	ADJ
amae-407	30	37	policies	policy	NOUN
amae-407	30	38	,	,	PUNCT
amae-407	30	39	and	and	CCONJ
amae-407	30	40	externalities	externality	NOUN
amae-407	30	41	.	.	PUNCT
amae-407	31	1	their	their	PRON
amae-407	31	2	review	review	NOUN
amae-407	31	3	emphasized	emphasize	VERB
amae-407	31	4	the	the	DET
amae-407	31	5	concentration	concentration	NOUN
amae-407	31	6	of	of	ADP
amae-407	31	7	low	low	ADJ
amae-407	31	8	-	-	PUNCT
amae-407	31	9	income	income	NOUN
amae-407	31	10	students	student	NOUN
amae-407	31	11	attending	attend	VERB
amae-407	31	12	these	these	DET
amae-407	31	13	institutions	institution	NOUN
amae-407	31	14	,	,	PUNCT
amae-407	31	15	but	but	CCONJ
amae-407	31	16	without	without	ADP
amae-407	31	17	apparent	apparent	ADJ
amae-407	31	18	themes	theme	NOUN
amae-407	31	19	surrounding	surround	VERB
amae-407	31	20	student	student	NOUN
amae-407	31	21	debt	debt	NOUN
amae-407	31	22	issues	issue	NOUN
amae-407	31	23	.	.	PUNCT
amae-407	32	1	this	this	DET
amae-407	32	2	lack	lack	NOUN
amae-407	32	3	of	of	ADP
amae-407	32	4	attention	attention	NOUN
amae-407	32	5	is	be	AUX
amae-407	32	6	surprising	surprising	ADJ
amae-407	32	7	given	give	VERB
amae-407	32	8	the	the	DET
amae-407	32	9	noted	note	VERB
amae-407	32	10	avoidance	avoidance	NOUN
amae-407	32	11	of	of	ADP
amae-407	32	12	borrowing	borrowing	NOUN
amae-407	32	13	by	by	ADP
amae-407	32	14	latinx	latinx	NOUN
amae-407	32	15	students	student	NOUN
amae-407	32	16	and	and	CCONJ
amae-407	32	17	their	their	PRON
amae-407	32	18	high	high	ADJ
amae-407	32	19	enrollment	enrollment	NOUN
amae-407	32	20	numbers	number	NOUN
amae-407	32	21	at	at	ADP
amae-407	32	22	hsis	hsis	NOUN
amae-407	32	23	.	.	PUNCT
amae-407	33	1	latinx	latinx	NOUN
amae-407	33	2	students	student	NOUN
amae-407	33	3	have	have	AUX
amae-407	33	4	also	also	ADV
amae-407	33	5	been	be	AUX
amae-407	33	6	more	more	ADV
amae-407	33	7	likely	likely	ADJ
amae-407	33	8	to	to	PART
amae-407	33	9	receive	receive	VERB
amae-407	33	10	pell	pell	NOUN
amae-407	33	11	grants	grant	NOUN
amae-407	33	12	(	(	PUNCT
amae-407	33	13	núñez	núñez	PROPN
amae-407	33	14	et	et	PROPN
amae-407	33	15	al	al	PROPN
amae-407	33	16	.	.	PROPN
amae-407	33	17	,	,	PUNCT
amae-407	33	18	2016	2016	NUM
amae-407	33	19	)	)	PUNCT
amae-407	33	20	,	,	PUNCT
amae-407	33	21	and	and	CCONJ
amae-407	33	22	less	less	ADV
amae-407	33	23	likely	likely	ADJ
amae-407	33	24	to	to	PART
amae-407	33	25	borrow	borrow	VERB
amae-407	33	26	federal	federal	ADJ
amae-407	33	27	student	student	NOUN
amae-407	33	28	loans	loan	NOUN
amae-407	33	29	(	(	PUNCT
amae-407	33	30	cunningham	cunningham	PROPN
amae-407	33	31	et	et	PROPN
amae-407	33	32	al	al	PROPN
amae-407	33	33	.	.	PROPN
amae-407	33	34	,	,	PUNCT
amae-407	33	35	2014	2014	NUM
amae-407	33	36	)	)	PUNCT
amae-407	33	37	.	.	PUNCT
amae-407	34	1	additionally	additionally	ADV
amae-407	34	2	,	,	PUNCT
amae-407	34	3	hsis	hsis	NOUN
amae-407	34	4	typically	typically	ADV
amae-407	34	5	have	have	VERB
amae-407	34	6	fewer	few	ADJ
amae-407	34	7	financial	financial	ADJ
amae-407	34	8	resources	resource	NOUN
amae-407	34	9	,	,	PUNCT
amae-407	34	10	resulting	result	VERB
amae-407	34	11	in	in	ADP
amae-407	34	12	less	less	ADJ
amae-407	34	13	capacity	capacity	NOUN
amae-407	34	14	to	to	PART
amae-407	34	15	offer	offer	VERB
amae-407	34	16	institutional	institutional	ADJ
amae-407	34	17	grants	grant	NOUN
amae-407	34	18	(	(	PUNCT
amae-407	34	19	santiago	santiago	PROPN
amae-407	34	20	et	et	PROPN
amae-407	34	21	al	al	PROPN
amae-407	34	22	.	.	PROPN
amae-407	34	23	,	,	PUNCT
amae-407	34	24	2016	2016	NUM
amae-407	34	25	)	)	PUNCT
amae-407	34	26	,	,	PUNCT
amae-407	34	27	and	and	CCONJ
amae-407	34	28	thus	thus	ADV
amae-407	34	29	increasing	increase	VERB
amae-407	34	30	their	their	PRON
amae-407	34	31	students	student	NOUN
amae-407	34	32	’	’	PART
amae-407	34	33	reliance	reliance	NOUN
amae-407	34	34	on	on	ADP
amae-407	34	35	loans	loan	NOUN
amae-407	34	36	.	.	PUNCT
amae-407	35	1	this	this	DET
amae-407	35	2	situation	situation	NOUN
amae-407	35	3	is	be	AUX
amae-407	35	4	exacerbated	exacerbate	VERB
amae-407	35	5	when	when	SCONJ
amae-407	35	6	considering	consider	VERB
amae-407	35	7	undocumented	undocumented	ADJ
amae-407	35	8	and/or	and/or	CCONJ
amae-407	35	9	deferred	defer	VERB
amae-407	35	10	action	action	NOUN
amae-407	35	11	for	for	ADP
amae-407	35	12	childhood	childhood	NOUN
amae-407	35	13	arrivals	arrival	NOUN
amae-407	35	14	(	(	PUNCT
amae-407	35	15	daca	daca	PROPN
amae-407	35	16	)	)	PUNCT
amae-407	35	17	statuses	status	NOUN
amae-407	35	18	of	of	ADP
amae-407	35	19	1	1	NUM
amae-407	35	20	authors	author	NOUN
amae-407	35	21	’	'	PUNCT
amae-407	35	22	calculation	calculation	NOUN
amae-407	35	23	is	be	AUX
amae-407	35	24	based	base	VERB
amae-407	35	25	off	off	ADP
amae-407	35	26	average	average	ADJ
amae-407	35	27	reported	report	VERB
amae-407	35	28	percentage	percentage	NOUN
amae-407	35	29	of	of	ADP
amae-407	35	30	undergraduates	undergraduate	NOUN
amae-407	35	31	receiving	receive	VERB
amae-407	35	32	federal	federal	ADJ
amae-407	35	33	student	student	NOUN
amae-407	35	34	loans	loan	NOUN
amae-407	35	35	in	in	ADP
amae-407	35	36	2019	2019	NUM
amae-407	35	37	.	.	PUNCT
amae-407	36	1	according	accord	VERB
amae-407	36	2	to	to	ADP
amae-407	36	3	the	the	DET
amae-407	36	4	college	college	NOUN
amae-407	36	5	scorecard	scorecard	NOUN
amae-407	36	6	data	datum	NOUN
amae-407	36	7	,	,	PUNCT
amae-407	36	8	461	461	NUM
amae-407	36	9	institutions	institution	NOUN
amae-407	36	10	met	meet	VERB
amae-407	36	11	the	the	DET
amae-407	36	12	federal	federal	ADJ
amae-407	36	13	hsi	hsi	PROPN
amae-407	36	14	designation	designation	NOUN
amae-407	36	15	definition	definition	NOUN
amae-407	36	16	,	,	PUNCT
amae-407	36	17	with	with	ADP
amae-407	36	18	437	437	NUM
amae-407	36	19	reporting	reporting	NOUN
amae-407	36	20	student	student	NOUN
amae-407	36	21	loan	loan	NOUN
amae-407	36	22	data	datum	NOUN
amae-407	36	23	.	.	PUNCT
amae-407	37	1	carales	carale	NOUN
amae-407	37	2	,	,	PUNCT
amae-407	37	3	molina	molina	PROPN
amae-407	37	4	&	&	CCONJ
amae-407	37	5	hooker	hooker	PROPN
amae-407	37	6	association	association	PROPN
amae-407	37	7	of	of	ADP
amae-407	37	8	mexican	mexican	PROPN
amae-407	37	9	american	american	PROPN
amae-407	37	10	educators	educator	NOUN
amae-407	37	11	(	(	PUNCT
amae-407	37	12	amae	amae	NOUN
amae-407	37	13	)	)	PUNCT
amae-407	37	14	journal	journal	NOUN
amae-407	37	15	©	©	PROPN
amae-407	37	16	2020	2020	NUM
amae-407	37	17	,	,	PUNCT
amae-407	37	18	volume	volume	NOUN
amae-407	37	19	14	14	NUM
amae-407	37	20	,	,	PUNCT
amae-407	37	21	issue	issue	VERB
amae-407	37	22	3	3	NUM
amae-407	37	23	33	33	NUM
amae-407	37	24	some	some	DET
amae-407	37	25	latinx	latinx	NOUN
amae-407	37	26	students	student	NOUN
amae-407	37	27	,	,	PUNCT
amae-407	37	28	due	due	ADP
amae-407	37	29	to	to	ADP
amae-407	37	30	their	their	PRON
amae-407	37	31	ineligibility	ineligibility	NOUN
amae-407	37	32	to	to	PART
amae-407	37	33	access	access	VERB
amae-407	37	34	federal	federal	ADJ
amae-407	37	35	student	student	NOUN
amae-407	37	36	loans	loan	NOUN
amae-407	37	37	(	(	PUNCT
amae-407	37	38	unidosus	unidosus	NOUN
amae-407	37	39	,	,	PUNCT
amae-407	37	40	2019a	2019a	NUM
amae-407	37	41	)	)	PUNCT
amae-407	37	42	.	.	PUNCT
amae-407	38	1	these	these	DET
amae-407	38	2	circumstances	circumstance	NOUN
amae-407	38	3	make	make	VERB
amae-407	38	4	hsis	hsis	NOUN
amae-407	38	5	an	an	DET
amae-407	38	6	important	important	ADJ
amae-407	38	7	setting	setting	NOUN
amae-407	38	8	in	in	ADP
amae-407	38	9	exploring	explore	VERB
amae-407	38	10	the	the	DET
amae-407	38	11	role	role	NOUN
amae-407	38	12	of	of	ADP
amae-407	38	13	student	student	NOUN
amae-407	38	14	loans	loan	NOUN
amae-407	38	15	in	in	ADP
amae-407	38	16	latinx	latinx	NOUN
amae-407	38	17	higher	high	ADJ
amae-407	38	18	education	education	NOUN
amae-407	38	19	.	.	PUNCT
amae-407	39	1	research	research	NOUN
amae-407	39	2	on	on	ADP
amae-407	39	3	student	student	NOUN
amae-407	39	4	debt	debt	NOUN
amae-407	39	5	research	research	NOUN
amae-407	39	6	on	on	ADP
amae-407	39	7	the	the	DET
amae-407	39	8	impact	impact	NOUN
amae-407	39	9	of	of	ADP
amae-407	39	10	student	student	NOUN
amae-407	39	11	loan	loan	NOUN
amae-407	39	12	debt	debt	NOUN
amae-407	39	13	has	have	AUX
amae-407	39	14	focused	focus	VERB
amae-407	39	15	on	on	ADP
amae-407	39	16	traditional	traditional	ADJ
amae-407	39	17	outcomes	outcome	NOUN
amae-407	39	18	such	such	ADJ
amae-407	39	19	as	as	ADP
amae-407	39	20	persistence	persistence	NOUN
amae-407	39	21	and	and	CCONJ
amae-407	39	22	degree	degree	NOUN
amae-407	39	23	completion	completion	NOUN
amae-407	39	24	(	(	PUNCT
amae-407	39	25	e.g.	e.g.	ADV
amae-407	39	26	,	,	PUNCT
amae-407	39	27	avery	avery	PROPN
amae-407	39	28	&	&	CCONJ
amae-407	39	29	turner	turner	PROPN
amae-407	39	30	,	,	PUNCT
amae-407	39	31	2012	2012	NUM
amae-407	39	32	;	;	PUNCT
amae-407	39	33	dowd	dowd	PROPN
amae-407	39	34	&	&	CCONJ
amae-407	39	35	coury	coury	PROPN
amae-407	39	36	,	,	PUNCT
amae-407	39	37	2006	2006	NUM
amae-407	39	38	;	;	PUNCT
amae-407	39	39	kim	kim	PROPN
amae-407	39	40	,	,	PUNCT
amae-407	39	41	2007	2007	NUM
amae-407	39	42	;	;	PUNCT
amae-407	39	43	museus	museus	NOUN
amae-407	39	44	,	,	PUNCT
amae-407	39	45	2010	2010	NUM
amae-407	39	46	)	)	PUNCT
amae-407	39	47	.	.	PUNCT
amae-407	40	1	the	the	DET
amae-407	40	2	majority	majority	NOUN
amae-407	40	3	of	of	ADP
amae-407	40	4	this	this	DET
amae-407	40	5	work	work	NOUN
amae-407	40	6	is	be	AUX
amae-407	40	7	quantitative	quantitative	ADJ
amae-407	40	8	with	with	ADP
amae-407	40	9	mixed	mixed	ADJ
amae-407	40	10	or	or	CCONJ
amae-407	40	11	inconclusive	inconclusive	ADJ
amae-407	40	12	results	result	NOUN
amae-407	40	13	.	.	PUNCT
amae-407	41	1	for	for	ADP
amae-407	41	2	example	example	NOUN
amae-407	41	3	,	,	PUNCT
amae-407	41	4	some	some	DET
amae-407	41	5	research	research	NOUN
amae-407	41	6	has	have	AUX
amae-407	41	7	shown	show	VERB
amae-407	41	8	positive	positive	ADJ
amae-407	41	9	outcomes	outcome	NOUN
amae-407	41	10	associated	associate	VERB
amae-407	41	11	with	with	ADP
amae-407	41	12	loans	loan	NOUN
amae-407	41	13	(	(	PUNCT
amae-407	41	14	e.g.	e.g.	ADV
amae-407	41	15	,	,	PUNCT
amae-407	41	16	mckinney	mckinney	PROPN
amae-407	41	17	&	&	CCONJ
amae-407	41	18	burridge	burridge	PROPN
amae-407	41	19	,	,	PUNCT
amae-407	41	20	2015	2015	NUM
amae-407	41	21	;	;	PUNCT
amae-407	41	22	museus	museus	NOUN
amae-407	41	23	,	,	PUNCT
amae-407	41	24	2010	2010	NUM
amae-407	41	25	;	;	PUNCT
amae-407	41	26	wiederspan	wiederspan	NOUN
amae-407	41	27	,	,	PUNCT
amae-407	41	28	2016	2016	NUM
amae-407	41	29	)	)	PUNCT
amae-407	41	30	whereas	whereas	SCONJ
amae-407	41	31	other	other	ADJ
amae-407	41	32	studies	study	NOUN
amae-407	41	33	indicate	indicate	VERB
amae-407	41	34	a	a	DET
amae-407	41	35	negative	negative	ADJ
amae-407	41	36	relationship	relationship	NOUN
amae-407	41	37	(	(	PUNCT
amae-407	41	38	e.g.	e.g.	ADV
amae-407	41	39	,	,	PUNCT
amae-407	41	40	dowd	dowd	PROPN
amae-407	41	41	&	&	CCONJ
amae-407	41	42	coury	coury	PROPN
amae-407	41	43	,	,	PUNCT
amae-407	41	44	2006	2006	NUM
amae-407	41	45	;	;	PUNCT
amae-407	41	46	kim	kim	PROPN
amae-407	41	47	,	,	PUNCT
amae-407	41	48	2007	2007	NUM
amae-407	41	49	;	;	PUNCT
amae-407	41	50	noopila	noopila	PROPN
amae-407	41	51	&	&	CCONJ
amae-407	41	52	williams	williams	PROPN
amae-407	41	53	pichon	pichon	PROPN
amae-407	41	54	,	,	PUNCT
amae-407	41	55	2020	2020	NUM
amae-407	41	56	)	)	PUNCT
amae-407	41	57	.	.	PUNCT
amae-407	42	1	negative	negative	ADJ
amae-407	42	2	impacts	impact	NOUN
amae-407	42	3	from	from	ADP
amae-407	42	4	student	student	NOUN
amae-407	42	5	debt	debt	NOUN
amae-407	42	6	include	include	VERB
amae-407	42	7	influence	influence	NOUN
amae-407	42	8	on	on	ADP
amae-407	42	9	borrower	borrower	NOUN
amae-407	42	10	health	health	NOUN
amae-407	42	11	,	,	PUNCT
amae-407	42	12	financial	financial	ADJ
amae-407	42	13	management	management	NOUN
amae-407	42	14	,	,	PUNCT
amae-407	42	15	credit	credit	NOUN
amae-407	42	16	card	card	NOUN
amae-407	42	17	debt	debt	NOUN
amae-407	42	18	,	,	PUNCT
amae-407	42	19	years	year	NOUN
amae-407	42	20	to	to	ADP
amae-407	42	21	homeownership	homeownership	NOUN
amae-407	42	22	,	,	PUNCT
amae-407	42	23	and	and	CCONJ
amae-407	42	24	the	the	DET
amae-407	42	25	ability	ability	NOUN
amae-407	42	26	to	to	PART
amae-407	42	27	save	save	VERB
amae-407	42	28	money	money	NOUN
amae-407	42	29	(	(	PUNCT
amae-407	42	30	cho	cho	NOUN
amae-407	42	31	et	et	PROPN
amae-407	42	32	al	al	PROPN
amae-407	42	33	.	.	PROPN
amae-407	42	34	,	,	PUNCT
amae-407	42	35	2015	2015	NUM
amae-407	42	36	;	;	PUNCT
amae-407	42	37	fox	fox	PROPN
amae-407	42	38	et	et	PROPN
amae-407	42	39	al	al	PROPN
amae-407	42	40	.	.	PROPN
amae-407	42	41	,	,	PUNCT
amae-407	42	42	2017	2017	NUM
amae-407	42	43	;	;	PUNCT
amae-407	42	44	henager	henager	NOUN
amae-407	42	45	&	&	CCONJ
amae-407	42	46	wilmarth	wilmarth	NOUN
amae-407	42	47	,	,	PUNCT
amae-407	42	48	2018	2018	NUM
amae-407	42	49	;	;	PUNCT
amae-407	42	50	ratcliffe	ratcliffe	PROPN
amae-407	42	51	&	&	CCONJ
amae-407	42	52	mckernan	mckernan	PROPN
amae-407	42	53	,	,	PUNCT
amae-407	42	54	2015	2015	NUM
amae-407	42	55	)	)	PUNCT
amae-407	42	56	.	.	PUNCT
amae-407	43	1	on	on	ADP
amae-407	43	2	the	the	DET
amae-407	43	3	other	other	ADJ
amae-407	43	4	hand	hand	NOUN
amae-407	43	5	,	,	PUNCT
amae-407	43	6	limited	limited	ADJ
amae-407	43	7	qualitative	qualitative	ADJ
amae-407	43	8	research	research	NOUN
amae-407	43	9	exists	exist	VERB
amae-407	43	10	regarding	regard	VERB
amae-407	43	11	student	student	NOUN
amae-407	43	12	perceptions	perception	NOUN
amae-407	43	13	and	and	CCONJ
amae-407	43	14	experiences	experience	NOUN
amae-407	43	15	with	with	ADP
amae-407	43	16	borrowing	borrowing	NOUN
amae-407	43	17	student	student	NOUN
amae-407	43	18	loans	loan	NOUN
amae-407	43	19	(	(	PUNCT
amae-407	43	20	baker	baker	NOUN
amae-407	43	21	,	,	PUNCT
amae-407	43	22	2019b	2019b	NUM
amae-407	43	23	)	)	PUNCT
amae-407	43	24	.	.	PUNCT
amae-407	44	1	some	some	PRON
amae-407	44	2	of	of	ADP
amae-407	44	3	this	this	DET
amae-407	44	4	work	work	NOUN
amae-407	44	5	focused	focus	VERB
amae-407	44	6	on	on	ADP
amae-407	44	7	students	student	NOUN
amae-407	44	8	while	while	SCONJ
amae-407	44	9	they	they	PRON
amae-407	44	10	were	be	AUX
amae-407	44	11	still	still	ADV
amae-407	44	12	enrolled	enrol	VERB
amae-407	44	13	and	and	CCONJ
amae-407	44	14	prior	prior	ADV
amae-407	44	15	to	to	ADP
amae-407	44	16	entering	enter	VERB
amae-407	44	17	repayment	repayment	NOUN
amae-407	44	18	(	(	PUNCT
amae-407	44	19	zerquera	zerquera	NOUN
amae-407	44	20	et	et	PROPN
amae-407	44	21	al	al	PROPN
amae-407	44	22	.	.	PROPN
amae-407	44	23	,	,	PUNCT
amae-407	44	24	2017	2017	NUM
amae-407	44	25	)	)	PUNCT
amae-407	44	26	.	.	PUNCT
amae-407	45	1	other	other	ADJ
amae-407	45	2	research	research	NOUN
amae-407	45	3	explored	explore	VERB
amae-407	45	4	how	how	SCONJ
amae-407	45	5	knowledgeable	knowledgeable	ADJ
amae-407	45	6	students	student	NOUN
amae-407	45	7	were	be	AUX
amae-407	45	8	of	of	ADP
amae-407	45	9	their	their	PRON
amae-407	45	10	debt	debt	NOUN
amae-407	45	11	(	(	PUNCT
amae-407	45	12	e.g.	e.g.	ADV
amae-407	45	13	,	,	PUNCT
amae-407	45	14	akers	akers	PROPN
amae-407	45	15	&	&	CCONJ
amae-407	45	16	chingos	chingos	PROPN
amae-407	45	17	,	,	PUNCT
amae-407	45	18	2014	2014	NUM
amae-407	45	19	;	;	PUNCT
amae-407	45	20	andruska	andruska	VERB
amae-407	45	21	et	et	PROPN
amae-407	45	22	al	al	PROPN
amae-407	45	23	.	.	PROPN
amae-407	45	24	,	,	PUNCT
amae-407	45	25	2014	2014	NUM
amae-407	45	26	;	;	PUNCT
amae-407	45	27	hira	hira	PROPN
amae-407	45	28	et	et	PROPN
amae-407	45	29	al	al	PROPN
amae-407	45	30	.	.	PROPN
amae-407	45	31	,	,	PUNCT
amae-407	45	32	2000	2000	NUM
amae-407	45	33	)	)	PUNCT
amae-407	45	34	and	and	CCONJ
amae-407	45	35	concluded	conclude	VERB
amae-407	45	36	that	that	SCONJ
amae-407	45	37	students	student	NOUN
amae-407	45	38	either	either	CCONJ
amae-407	45	39	underestimated	underestimate	VERB
amae-407	45	40	the	the	DET
amae-407	45	41	cost	cost	NOUN
amae-407	45	42	or	or	CCONJ
amae-407	45	43	were	be	AUX
amae-407	45	44	not	not	PART
amae-407	45	45	fully	fully	ADV
amae-407	45	46	aware	aware	ADJ
amae-407	45	47	of	of	ADP
amae-407	45	48	how	how	SCONJ
amae-407	45	49	much	much	ADJ
amae-407	45	50	they	they	PRON
amae-407	45	51	borrowed	borrow	VERB
amae-407	45	52	.	.	PUNCT
amae-407	46	1	this	this	DET
amae-407	46	2	disconnect	disconnect	NOUN
amae-407	46	3	is	be	AUX
amae-407	46	4	further	far	ADV
amae-407	46	5	complicated	complicate	VERB
amae-407	46	6	by	by	ADP
amae-407	46	7	misperceptions	misperception	NOUN
amae-407	46	8	of	of	ADP
amae-407	46	9	the	the	DET
amae-407	46	10	price	price	NOUN
amae-407	46	11	of	of	ADP
amae-407	46	12	college	college	NOUN
amae-407	46	13	relative	relative	ADJ
amae-407	46	14	to	to	ADP
amae-407	46	15	earnings	earning	NOUN
amae-407	46	16	potential	potential	NOUN
amae-407	46	17	based	base	VERB
amae-407	46	18	on	on	ADP
amae-407	46	19	a	a	DET
amae-407	46	20	students	student	NOUN
amae-407	46	21	’	'	PUNCT
amae-407	46	22	field	field	NOUN
amae-407	46	23	of	of	ADP
amae-407	46	24	study	study	NOUN
amae-407	46	25	(	(	PUNCT
amae-407	46	26	akers	akers	PROPN
amae-407	46	27	&	&	CCONJ
amae-407	46	28	chingos	chingos	PROPN
amae-407	46	29	,	,	PUNCT
amae-407	46	30	2014	2014	NUM
amae-407	46	31	;	;	PUNCT
amae-407	46	32	mckinney	mckinney	PROPN
amae-407	46	33	et	et	PROPN
amae-407	46	34	al	al	PROPN
amae-407	46	35	.	.	PROPN
amae-407	46	36	,	,	PUNCT
amae-407	46	37	2015	2015	NUM
amae-407	46	38	)	)	PUNCT
amae-407	46	39	.	.	PUNCT
amae-407	47	1	baker	baker	PROPN
amae-407	47	2	(	(	PUNCT
amae-407	47	3	2019b	2019b	NUM
amae-407	47	4	)	)	PUNCT
amae-407	47	5	examined	examine	VERB
amae-407	47	6	black	black	ADJ
amae-407	47	7	student	student	NOUN
amae-407	47	8	perceptions	perception	NOUN
amae-407	47	9	of	of	ADP
amae-407	47	10	their	their	PRON
amae-407	47	11	debt	debt	NOUN
amae-407	47	12	and	and	CCONJ
amae-407	47	13	found	find	VERB
amae-407	47	14	that	that	SCONJ
amae-407	47	15	students	student	NOUN
amae-407	47	16	with	with	ADP
amae-407	47	17	higher	high	ADJ
amae-407	47	18	levels	level	NOUN
amae-407	47	19	of	of	ADP
amae-407	47	20	debt	debt	NOUN
amae-407	47	21	had	have	AUX
amae-407	47	22	reconsidered	reconsider	VERB
amae-407	47	23	their	their	PRON
amae-407	47	24	postsecondary	postsecondary	ADJ
amae-407	47	25	and	and	CCONJ
amae-407	47	26	career	career	NOUN
amae-407	47	27	plans	plan	NOUN
amae-407	47	28	.	.	PUNCT
amae-407	48	1	undergraduate	undergraduate	ADJ
amae-407	48	2	debt	debt	NOUN
amae-407	48	3	specifically	specifically	ADV
amae-407	48	4	,	,	PUNCT
amae-407	48	5	irrespective	irrespective	ADV
amae-407	48	6	of	of	ADP
amae-407	48	7	race	race	NOUN
amae-407	48	8	/	/	SYM
amae-407	48	9	ethnicity	ethnicity	NOUN
amae-407	48	10	,	,	PUNCT
amae-407	48	11	has	have	AUX
amae-407	48	12	been	be	AUX
amae-407	48	13	found	find	VERB
amae-407	48	14	to	to	PART
amae-407	48	15	negatively	negatively	ADV
amae-407	48	16	impact	impact	VERB
amae-407	48	17	students	student	NOUN
amae-407	48	18	’	'	PUNCT
amae-407	48	19	likelihood	likelihood	NOUN
amae-407	48	20	of	of	ADP
amae-407	48	21	pursuing	pursue	VERB
amae-407	48	22	graduate	graduate	NOUN
amae-407	48	23	degrees	degree	NOUN
amae-407	48	24	(	(	PUNCT
amae-407	48	25	malcom	malcom	PROPN
amae-407	48	26	&	&	CCONJ
amae-407	48	27	dowd	dowd	PROPN
amae-407	48	28	,	,	PUNCT
amae-407	48	29	2012	2012	NUM
amae-407	48	30	)	)	PUNCT
amae-407	48	31	.	.	PUNCT
amae-407	49	1	conversely	conversely	ADV
amae-407	49	2	,	,	PUNCT
amae-407	49	3	students	student	NOUN
amae-407	49	4	were	be	AUX
amae-407	49	5	encouraged	encourage	VERB
amae-407	49	6	to	to	PART
amae-407	49	7	attend	attend	VERB
amae-407	49	8	graduate	graduate	NOUN
amae-407	49	9	school	school	NOUN
amae-407	49	10	as	as	ADP
amae-407	49	11	a	a	DET
amae-407	49	12	way	way	NOUN
amae-407	49	13	to	to	PART
amae-407	49	14	delay	delay	VERB
amae-407	49	15	student	student	NOUN
amae-407	49	16	loan	loan	NOUN
amae-407	49	17	repayment	repayment	NOUN
amae-407	49	18	(	(	PUNCT
amae-407	49	19	zerquera	zerquera	NOUN
amae-407	49	20	et	et	PROPN
amae-407	49	21	al	al	PROPN
amae-407	49	22	.	.	PROPN
amae-407	49	23	,	,	PUNCT
amae-407	49	24	2017	2017	NUM
amae-407	49	25	)	)	PUNCT
amae-407	49	26	.	.	PUNCT
amae-407	50	1	findings	finding	NOUN
amae-407	50	2	from	from	ADP
amae-407	50	3	these	these	DET
amae-407	50	4	studies	study	NOUN
amae-407	50	5	underscore	underscore	VERB
amae-407	50	6	the	the	DET
amae-407	50	7	need	need	NOUN
amae-407	50	8	to	to	PART
amae-407	50	9	further	far	ADV
amae-407	50	10	examine	examine	VERB
amae-407	50	11	student	student	NOUN
amae-407	50	12	experiences	experience	NOUN
amae-407	50	13	with	with	ADP
amae-407	50	14	loans	loan	NOUN
amae-407	50	15	across	across	ADP
amae-407	50	16	racial	racial	ADJ
amae-407	50	17	/	/	SYM
amae-407	50	18	ethnic	ethnic	ADJ
amae-407	50	19	groups	group	NOUN
amae-407	50	20	(	(	PUNCT
amae-407	50	21	mckinney	mckinney	PROPN
amae-407	50	22	et	et	PROPN
amae-407	50	23	al	al	PROPN
amae-407	50	24	,	,	PUNCT
amae-407	50	25	2015	2015	NUM
amae-407	50	26	;	;	PUNCT
amae-407	50	27	perna	perna	PROPN
amae-407	50	28	et	et	PROPN
amae-407	50	29	al	al	PROPN
amae-407	50	30	.	.	PROPN
amae-407	50	31	,	,	PUNCT
amae-407	50	32	2017	2017	NUM
amae-407	50	33	)	)	PUNCT
amae-407	50	34	.	.	PUNCT
amae-407	51	1	“	"	PUNCT
amae-407	51	2	without	without	ADP
amae-407	51	3	them	they	PRON
amae-407	51	4	”	"	PUNCT
amae-407	51	5	association	association	NOUN
amae-407	51	6	of	of	ADP
amae-407	51	7	mexican	mexican	PROPN
amae-407	51	8	american	american	PROPN
amae-407	51	9	educators	educator	NOUN
amae-407	51	10	(	(	PUNCT
amae-407	51	11	amae	amae	NOUN
amae-407	51	12	)	)	PUNCT
amae-407	51	13	journal	journal	NOUN
amae-407	51	14	©	©	PROPN
amae-407	51	15	2020	2020	NUM
amae-407	51	16	,	,	PUNCT
amae-407	51	17	volume	volume	NOUN
amae-407	51	18	14	14	NUM
amae-407	51	19	,	,	PUNCT
amae-407	51	20	issue	issue	NOUN
amae-407	51	21	3	3	NUM
amae-407	51	22	34	34	NUM
amae-407	51	23	theoretical	theoretical	ADJ
amae-407	51	24	framework	framework	NOUN
amae-407	51	25	we	we	PRON
amae-407	51	26	applied	apply	VERB
amae-407	51	27	mckinney	mckinney	PROPN
amae-407	51	28	et	et	PROPN
amae-407	51	29	al	al	PROPN
amae-407	51	30	.	.	PROPN
amae-407	51	31	’s	’s	PART
amae-407	51	32	(	(	PUNCT
amae-407	51	33	2015	2015	NUM
amae-407	51	34	)	)	PUNCT
amae-407	51	35	model	model	NOUN
amae-407	51	36	of	of	ADP
amae-407	51	37	student	student	NOUN
amae-407	51	38	borrower	borrower	NOUN
amae-407	51	39	behavior	behavior	NOUN
amae-407	51	40	and	and	CCONJ
amae-407	51	41	attitudes	attitude	NOUN
amae-407	51	42	to	to	PART
amae-407	51	43	describe	describe	VERB
amae-407	51	44	how	how	SCONJ
amae-407	51	45	students	student	NOUN
amae-407	51	46	make	make	VERB
amae-407	51	47	sense	sense	NOUN
amae-407	51	48	of	of	ADP
amae-407	51	49	borrowing	borrowing	NOUN
amae-407	51	50	.	.	PUNCT
amae-407	52	1	these	these	DET
amae-407	52	2	experiences	experience	NOUN
amae-407	52	3	were	be	AUX
amae-407	52	4	shaped	shape	VERB
amae-407	52	5	by	by	ADP
amae-407	52	6	student	student	NOUN
amae-407	52	7	sources	source	NOUN
amae-407	52	8	of	of	ADP
amae-407	52	9	information	information	NOUN
amae-407	52	10	on	on	ADP
amae-407	52	11	borrowing	borrowing	NOUN
amae-407	52	12	,	,	PUNCT
amae-407	52	13	their	their	PRON
amae-407	52	14	reasons	reason	NOUN
amae-407	52	15	for	for	ADP
amae-407	52	16	borrowing	borrowing	NOUN
amae-407	52	17	,	,	PUNCT
amae-407	52	18	the	the	DET
amae-407	52	19	benefits	benefit	NOUN
amae-407	52	20	of	of	ADP
amae-407	52	21	borrowing	borrowing	NOUN
amae-407	52	22	,	,	PUNCT
amae-407	52	23	and	and	CCONJ
amae-407	52	24	their	their	PRON
amae-407	52	25	perceptions	perception	NOUN
amae-407	52	26	of	of	ADP
amae-407	52	27	how	how	SCONJ
amae-407	52	28	debt	debt	NOUN
amae-407	52	29	impacted	impact	VERB
amae-407	52	30	their	their	PRON
amae-407	52	31	future	future	NOUN
amae-407	52	32	.	.	PUNCT
amae-407	53	1	drawing	draw	VERB
amae-407	53	2	from	from	ADP
amae-407	53	3	perna	perna	PROPN
amae-407	53	4	’s	’s	PART
amae-407	53	5	(	(	PUNCT
amae-407	53	6	2006	2006	NUM
amae-407	53	7	)	)	PUNCT
amae-407	53	8	college	college	NOUN
amae-407	53	9	choice	choice	NOUN
amae-407	53	10	model	model	NOUN
amae-407	53	11	,	,	PUNCT
amae-407	53	12	mckinney	mckinney	PROPN
amae-407	53	13	et	et	PROPN
amae-407	53	14	al	al	PROPN
amae-407	53	15	.	.	PROPN
amae-407	54	1	(	(	PUNCT
amae-407	54	2	2015	2015	NUM
amae-407	54	3	)	)	PUNCT
amae-407	54	4	identified	identify	VERB
amae-407	54	5	multiple	multiple	ADJ
amae-407	54	6	contexts	context	NOUN
amae-407	54	7	important	important	ADJ
amae-407	54	8	to	to	ADP
amae-407	54	9	understanding	understand	VERB
amae-407	54	10	students	student	NOUN
amae-407	54	11	’	'	PUNCT
amae-407	54	12	decisions	decision	NOUN
amae-407	54	13	and	and	CCONJ
amae-407	54	14	perceptions	perception	NOUN
amae-407	54	15	about	about	ADP
amae-407	54	16	borrowing	borrow	VERB
amae-407	54	17	.	.	PUNCT
amae-407	55	1	these	these	DET
amae-407	55	2	contexts	context	NOUN
amae-407	55	3	include	include	VERB
amae-407	55	4	informational	informational	ADJ
amae-407	55	5	(	(	PUNCT
amae-407	55	6	i.e.	i.e.	X
amae-407	55	7	,	,	PUNCT
amae-407	55	8	cultural	cultural	ADJ
amae-407	55	9	capital	capital	NOUN
amae-407	55	10	)	)	PUNCT
amae-407	55	11	,	,	PUNCT
amae-407	55	12	institutional	institutional	NOUN
amae-407	55	13	(	(	PUNCT
amae-407	55	14	i.e.	i.e.	X
amae-407	55	15	,	,	PUNCT
amae-407	55	16	high	high	ADJ
amae-407	55	17	school	school	NOUN
amae-407	55	18	and	and	CCONJ
amae-407	55	19	college	college	NOUN
amae-407	55	20	)	)	PUNCT
amae-407	55	21	,	,	PUNCT
amae-407	55	22	and	and	CCONJ
amae-407	55	23	social	social	ADJ
amae-407	55	24	,	,	PUNCT
amae-407	55	25	political	political	ADJ
amae-407	55	26	and	and	CCONJ
amae-407	55	27	economic	economic	ADJ
amae-407	55	28	contexts	context	NOUN
amae-407	55	29	.	.	PUNCT
amae-407	56	1	according	accord	VERB
amae-407	56	2	to	to	ADP
amae-407	56	3	mckinney	mckinney	PROPN
amae-407	56	4	et	et	PROPN
amae-407	56	5	al	al	PROPN
amae-407	56	6	.	.	PROPN
amae-407	57	1	(	(	PUNCT
amae-407	57	2	2015	2015	NUM
amae-407	57	3	)	)	PUNCT
amae-407	57	4	,	,	PUNCT
amae-407	57	5	each	each	PRON
amae-407	57	6	of	of	ADP
amae-407	57	7	these	these	DET
amae-407	57	8	contexts	context	NOUN
amae-407	57	9	shape	shape	VERB
amae-407	57	10	the	the	DET
amae-407	57	11	behaviors	behavior	NOUN
amae-407	57	12	exhibited	exhibit	VERB
amae-407	57	13	by	by	ADP
amae-407	57	14	student	student	NOUN
amae-407	57	15	borrowers	borrower	NOUN
amae-407	57	16	.	.	PUNCT
amae-407	58	1	the	the	DET
amae-407	58	2	individual	individual	ADJ
amae-407	58	3	context	context	NOUN
amae-407	58	4	refers	refer	VERB
amae-407	58	5	to	to	ADP
amae-407	58	6	financial	financial	ADJ
amae-407	58	7	literacy	literacy	NOUN
amae-407	58	8	students	student	NOUN
amae-407	58	9	possess	possess	VERB
amae-407	58	10	regarding	regard	VERB
amae-407	58	11	borrowing	borrowing	NOUN
amae-407	58	12	;	;	PUNCT
amae-407	58	13	the	the	DET
amae-407	58	14	institutional	institutional	ADJ
amae-407	58	15	context	context	NOUN
amae-407	58	16	discusses	discuss	VERB
amae-407	58	17	the	the	DET
amae-407	58	18	setting	setting	NOUN
amae-407	58	19	at	at	ADP
amae-407	58	20	which	which	PRON
amae-407	58	21	student	student	NOUN
amae-407	58	22	borrowers	borrower	NOUN
amae-407	58	23	gather	gather	VERB
amae-407	58	24	loan	loan	NOUN
amae-407	58	25	information	information	NOUN
amae-407	58	26	and	and	CCONJ
amae-407	58	27	make	make	VERB
amae-407	58	28	decisions	decision	NOUN
amae-407	58	29	about	about	ADP
amae-407	58	30	borrowing	borrowing	NOUN
amae-407	58	31	;	;	PUNCT
amae-407	58	32	and	and	CCONJ
amae-407	58	33	the	the	DET
amae-407	58	34	policy	policy	NOUN
amae-407	58	35	context	context	NOUN
amae-407	58	36	explains	explain	VERB
amae-407	58	37	the	the	DET
amae-407	58	38	external	external	ADJ
amae-407	58	39	factors	factor	NOUN
amae-407	58	40	involving	involve	VERB
amae-407	58	41	federal	federal	ADJ
amae-407	58	42	policy	policy	NOUN
amae-407	58	43	,	,	PUNCT
amae-407	58	44	social	social	ADJ
amae-407	58	45	expectations	expectation	NOUN
amae-407	58	46	around	around	ADP
amae-407	58	47	borrowing	borrowing	NOUN
amae-407	58	48	,	,	PUNCT
amae-407	58	49	and	and	CCONJ
amae-407	58	50	current	current	ADJ
amae-407	58	51	economic	economic	ADJ
amae-407	58	52	conditions	condition	NOUN
amae-407	58	53	that	that	PRON
amae-407	58	54	influence	influence	VERB
amae-407	58	55	borrowing	borrowing	NOUN
amae-407	58	56	decisions	decision	NOUN
amae-407	58	57	(	(	PUNCT
amae-407	58	58	mckinney	mckinney	PROPN
amae-407	58	59	et	et	PROPN
amae-407	58	60	al	al	PROPN
amae-407	58	61	.	.	PROPN
amae-407	58	62	,	,	PUNCT
amae-407	58	63	2015	2015	NUM
amae-407	58	64	)	)	PUNCT
amae-407	58	65	.	.	PUNCT
amae-407	59	1	their	their	PRON
amae-407	59	2	model	model	NOUN
amae-407	59	3	serves	serve	VERB
amae-407	59	4	as	as	ADP
amae-407	59	5	a	a	DET
amae-407	59	6	lens	lens	NOUN
amae-407	59	7	for	for	ADP
amae-407	59	8	unpacking	unpack	VERB
amae-407	59	9	latinx	latinx	NOUN
amae-407	59	10	students	student	NOUN
amae-407	59	11	'	'	PART
amae-407	59	12	borrowing	borrowing	NOUN
amae-407	59	13	experiences	experience	NOUN
amae-407	59	14	.	.	PUNCT
amae-407	60	1	research	research	NOUN
amae-407	60	2	methods	method	NOUN
amae-407	60	3	study	study	VERB
amae-407	60	4	location	location	PROPN
amae-407	60	5	gulf	gulf	PROPN
amae-407	60	6	university	university	PROPN
amae-407	60	7	(	(	PUNCT
amae-407	60	8	pseudonym	pseudonym	NOUN
amae-407	60	9	)	)	PUNCT
amae-407	60	10	is	be	AUX
amae-407	60	11	a	a	DET
amae-407	60	12	large	large	ADJ
amae-407	60	13	,	,	PUNCT
amae-407	60	14	diverse	diverse	ADJ
amae-407	60	15	urban	urban	ADJ
amae-407	60	16	hsi	hsi	PROPN
amae-407	60	17	located	locate	VERB
amae-407	60	18	in	in	ADP
amae-407	60	19	southeast	southeast	PROPN
amae-407	60	20	texas	texas	PROPN
amae-407	60	21	.	.	PUNCT
amae-407	61	1	in	in	ADP
amae-407	61	2	2018	2018	NUM
amae-407	61	3	-	-	SYM
amae-407	61	4	2019	2019	NUM
amae-407	61	5	,	,	PUNCT
amae-407	61	6	of	of	ADP
amae-407	61	7	the	the	DET
amae-407	61	8	approximately	approximately	ADV
amae-407	61	9	46,000	46,000	NUM
amae-407	61	10	students	student	NOUN
amae-407	61	11	enrolled	enrol	VERB
amae-407	61	12	at	at	ADP
amae-407	61	13	gulf	gulf	PROPN
amae-407	61	14	university	university	NOUN
amae-407	61	15	,	,	PUNCT
amae-407	61	16	32	32	NUM
amae-407	61	17	%	%	NOUN
amae-407	61	18	were	be	AUX
amae-407	61	19	hispanic	hispanic	ADJ
amae-407	61	20	,	,	PUNCT
amae-407	61	21	25	25	NUM
amae-407	61	22	%	%	NOUN
amae-407	61	23	were	be	AUX
amae-407	61	24	white	white	ADJ
amae-407	61	25	,	,	PUNCT
amae-407	61	26	21	21	NUM
amae-407	61	27	%	%	NOUN
amae-407	61	28	were	be	AUX
amae-407	61	29	asian	asian	ADJ
amae-407	61	30	american	american	ADJ
amae-407	61	31	,	,	PUNCT
amae-407	61	32	and	and	CCONJ
amae-407	61	33	10	10	NUM
amae-407	61	34	%	%	NOUN
amae-407	61	35	were	be	AUX
amae-407	61	36	african	african	ADJ
amae-407	61	37	american	american	PROPN
amae-407	61	38	.	.	PUNCT
amae-407	62	1	the	the	DET
amae-407	62	2	institution	institution	NOUN
amae-407	62	3	’s	’s	PART
amae-407	62	4	location	location	NOUN
amae-407	62	5	in	in	ADP
amae-407	62	6	texas	texas	PROPN
amae-407	62	7	is	be	AUX
amae-407	62	8	also	also	ADV
amae-407	62	9	pivotal	pivotal	ADJ
amae-407	62	10	because	because	SCONJ
amae-407	62	11	of	of	ADP
amae-407	62	12	the	the	DET
amae-407	62	13	state	state	NOUN
amae-407	62	14	’s	’s	PART
amae-407	62	15	high	high	ADJ
amae-407	62	16	number	number	NOUN
amae-407	62	17	of	of	ADP
amae-407	62	18	hsis	hsis	NOUN
amae-407	62	19	,	,	PUNCT
amae-407	62	20	the	the	DET
amae-407	62	21	second	second	ADJ
amae-407	62	22	highest	high	ADJ
amae-407	62	23	of	of	ADP
amae-407	62	24	any	any	DET
amae-407	62	25	state	state	NOUN
amae-407	62	26	with	with	ADP
amae-407	62	27	96	96	NUM
amae-407	62	28	institutions	institution	NOUN
amae-407	62	29	,	,	PUNCT
amae-407	62	30	and	and	CCONJ
amae-407	62	31	latinx	latinx	NOUN
amae-407	62	32	students	student	NOUN
amae-407	62	33	comprising	comprise	VERB
amae-407	62	34	40.1	40.1	NUM
amae-407	62	35	%	%	NOUN
amae-407	62	36	of	of	ADP
amae-407	62	37	the	the	DET
amae-407	62	38	state	state	NOUN
amae-407	62	39	’s	’s	PART
amae-407	62	40	undergraduate	undergraduate	ADJ
amae-407	62	41	count	count	NOUN
amae-407	62	42	(	(	PUNCT
amae-407	62	43	hacu	hacu	ADV
amae-407	62	44	,	,	PUNCT
amae-407	62	45	2020	2020	NUM
amae-407	62	46	)	)	PUNCT
amae-407	62	47	.	.	PUNCT
amae-407	63	1	participant	participant	ADJ
amae-407	63	2	selection	selection	NOUN
amae-407	63	3	upon	upon	SCONJ
amae-407	63	4	irb	irb	NOUN
amae-407	63	5	approval	approval	NOUN
amae-407	63	6	,	,	PUNCT
amae-407	63	7	the	the	DET
amae-407	63	8	financial	financial	ADJ
amae-407	63	9	aid	aid	NOUN
amae-407	63	10	office	office	NOUN
amae-407	63	11	sent	send	VERB
amae-407	63	12	a	a	DET
amae-407	63	13	recruitment	recruitment	NOUN
amae-407	63	14	email	email	NOUN
amae-407	63	15	to	to	ADP
amae-407	63	16	1,100	1,100	NUM
amae-407	63	17	graduating	graduate	VERB
amae-407	63	18	seniors	senior	NOUN
amae-407	63	19	who	who	PRON
amae-407	63	20	had	have	VERB
amae-407	63	21	at	at	ADV
amae-407	63	22	least	least	ADV
amae-407	63	23	$	$	SYM
amae-407	63	24	20,0002	20,0002	NUM
amae-407	63	25	in	in	ADP
amae-407	63	26	federal	federal	ADJ
amae-407	63	27	student	student	NOUN
amae-407	63	28	loan	loan	NOUN
amae-407	63	29	debt	debt	NOUN
amae-407	63	30	.	.	PUNCT
amae-407	64	1	in	in	ADP
amae-407	64	2	total	total	ADJ
amae-407	64	3	,	,	PUNCT
amae-407	64	4	34	34	NUM
amae-407	64	5	potential	potential	ADJ
amae-407	64	6	participants	participant	NOUN
amae-407	64	7	responded	respond	VERB
amae-407	64	8	.	.	PUNCT
amae-407	65	1	researchers	researcher	NOUN
amae-407	65	2	scheduled	schedule	VERB
amae-407	65	3	interviews	interview	NOUN
amae-407	65	4	with	with	ADP
amae-407	65	5	17	17	NUM
amae-407	65	6	individuals	individual	NOUN
amae-407	65	7	,	,	PUNCT
amae-407	65	8	and	and	CCONJ
amae-407	65	9	of	of	ADP
amae-407	65	10	those	those	PRON
amae-407	65	11	,	,	PUNCT
amae-407	65	12	10	10	NUM
amae-407	65	13	participants	participant	NOUN
amae-407	65	14	2	2	NUM
amae-407	65	15	average	average	ADJ
amae-407	65	16	amount	amount	NOUN
amae-407	65	17	of	of	ADP
amae-407	65	18	student	student	NOUN
amae-407	65	19	loan	loan	NOUN
amae-407	65	20	debt	debt	NOUN
amae-407	65	21	at	at	ADP
amae-407	65	22	study	study	NOUN
amae-407	65	23	institution	institution	NOUN
amae-407	65	24	was	be	AUX
amae-407	65	25	$	$	SYM
amae-407	65	26	19,750	19,750	NUM
amae-407	65	27	according	accord	VERB
amae-407	65	28	to	to	ADP
amae-407	65	29	college	college	NOUN
amae-407	65	30	scorecard	scorecard	NOUN
amae-407	65	31	data	datum	NOUN
amae-407	65	32	.	.	PUNCT
amae-407	66	1	carales	carale	NOUN
amae-407	66	2	,	,	PUNCT
amae-407	66	3	molina	molina	PROPN
amae-407	66	4	&	&	CCONJ
amae-407	66	5	hooker	hooker	PROPN
amae-407	66	6	association	association	PROPN
amae-407	66	7	of	of	ADP
amae-407	66	8	mexican	mexican	PROPN
amae-407	66	9	american	american	PROPN
amae-407	66	10	educators	educator	NOUN
amae-407	66	11	(	(	PUNCT
amae-407	66	12	amae	amae	NOUN
amae-407	66	13	)	)	PUNCT
amae-407	66	14	journal	journal	NOUN
amae-407	66	15	©	©	PROPN
amae-407	66	16	2020	2020	NUM
amae-407	66	17	,	,	PUNCT
amae-407	66	18	volume	volume	NOUN
amae-407	66	19	14	14	NUM
amae-407	66	20	,	,	PUNCT
amae-407	66	21	issue	issue	VERB
amae-407	66	22	3	3	NUM
amae-407	66	23	35	35	NUM
amae-407	66	24	self	self	NOUN
amae-407	66	25	-	-	PUNCT
amae-407	66	26	identified	identify	VERB
amae-407	66	27	as	as	ADP
amae-407	66	28	latinx	latinx	NOUN
amae-407	66	29	.	.	PUNCT
amae-407	67	1	participants	participant	NOUN
amae-407	67	2	recieved	recieve	VERB
amae-407	67	3	$	$	SYM
amae-407	67	4	25	25	NUM
amae-407	67	5	gift	gift	NOUN
amae-407	67	6	cards	card	NOUN
amae-407	67	7	upon	upon	SCONJ
amae-407	67	8	completion	completion	NOUN
amae-407	67	9	of	of	ADP
amae-407	67	10	their	their	PRON
amae-407	67	11	interview	interview	NOUN
amae-407	67	12	.	.	PUNCT
amae-407	68	1	table	table	NOUN
amae-407	68	2	1	1	NUM
amae-407	68	3	includes	include	VERB
amae-407	68	4	demographic	demographic	ADJ
amae-407	68	5	information	information	NOUN
amae-407	68	6	of	of	ADP
amae-407	68	7	the	the	DET
amae-407	68	8	participants	participant	NOUN
amae-407	68	9	including	include	VERB
amae-407	68	10	their	their	PRON
amae-407	68	11	pseudonyms	pseudonym	NOUN
amae-407	68	12	.	.	PUNCT
amae-407	69	1	table	table	NOUN
amae-407	69	2	1	1	NUM
amae-407	69	3	participant	participant	ADJ
amae-407	69	4	demographics	demographic	NOUN
amae-407	69	5	name	name	VERB
amae-407	69	6	major	major	ADJ
amae-407	69	7	gender	gender	NOUN
amae-407	69	8	race	race	NOUN
amae-407	69	9	/	/	SYM
amae-407	69	10	ethnicity	ethnicity	NOUN
amae-407	69	11	*	*	NOUN
amae-407	69	12	age	age	NOUN
amae-407	69	13	cece	cece	PROPN
amae-407	69	14	business	business	PROPN
amae-407	69	15	marketing	marketing	NOUN
amae-407	69	16	female	female	ADJ
amae-407	69	17	hispanic	hispanic	NOUN
amae-407	69	18	33	33	NUM
amae-407	69	19	cristobal	cristobal	PROPN
amae-407	69	20	kinesiology	kinesiology	PROPN
amae-407	69	21	male	male	PROPN
amae-407	69	22	latino	latino	ADJ
amae-407	69	23	25	25	NUM
amae-407	69	24	christopher	christopher	PROPN
amae-407	69	25	psychology	psychology	NOUN
amae-407	69	26	male	male	ADJ
amae-407	69	27	hispanic	hispanic	ADJ
amae-407	69	28	22	22	NUM
amae-407	69	29	doug	doug	NOUN
amae-407	69	30	philosophy	philosophy	NOUN
amae-407	69	31	male	male	NOUN
amae-407	69	32	hispanic	hispanic	ADJ
amae-407	69	33	25	25	NUM
amae-407	69	34	giselle	giselle	PROPN
amae-407	69	35	religious	religious	ADJ
amae-407	69	36	studies	study	NOUN
amae-407	69	37	/	/	SYM
amae-407	69	38	psychology	psychology	NOUN
amae-407	69	39	female	female	ADJ
amae-407	69	40	hispanic	hispanic	NOUN
amae-407	69	41	39	39	NUM
amae-407	69	42	james	james	PROPN
amae-407	69	43	computer	computer	PROPN
amae-407	69	44	science	science	NOUN
amae-407	69	45	male	male	NOUN
amae-407	69	46	latin	latin	ADJ
amae-407	69	47	22	22	NUM
amae-407	69	48	lisa	lisa	PROPN
amae-407	69	49	technology	technology	NOUN
amae-407	70	1	digital	digital	ADJ
amae-407	70	2	media	medium	NOUN
amae-407	70	3	female	female	ADJ
amae-407	70	4	hispanic	hispanic	NOUN
amae-407	70	5	/	/	SYM
amae-407	70	6	white	white	ADJ
amae-407	70	7	36	36	NUM
amae-407	70	8	marissa	marissa	NOUN
amae-407	70	9	economics	economic	NOUN
amae-407	70	10	female	female	ADJ
amae-407	70	11	puerto	puerto	ADJ
amae-407	70	12	rican	rican	PROPN
amae-407	70	13	/	/	SYM
amae-407	70	14	irish	irish	ADJ
amae-407	70	15	45	45	NUM
amae-407	70	16	patty	patty	PROPN
amae-407	70	17	psychology	psychology	NOUN
amae-407	70	18	female	female	ADJ
amae-407	70	19	hispanic	hispanic	ADJ
amae-407	70	20	/	/	SYM
amae-407	70	21	latino	latino	ADJ
amae-407	70	22	24	24	NUM
amae-407	70	23	roberto	roberto	PROPN
amae-407	70	24	computer	computer	NOUN
amae-407	70	25	engineering	engineering	NOUN
amae-407	70	26	male	male	NOUN
amae-407	70	27	hispanic	hispanic	ADJ
amae-407	70	28	24	24	NUM
amae-407	70	29	*	*	NOUN
amae-407	70	30	self	self	NOUN
amae-407	70	31	-	-	PUNCT
amae-407	70	32	identified	identify	VERB
amae-407	70	33	data	data	NOUN
amae-407	70	34	collection	collection	NOUN
amae-407	70	35	and	and	CCONJ
amae-407	70	36	analysis	analysis	NOUN
amae-407	70	37	data	datum	NOUN
amae-407	70	38	collection	collection	NOUN
amae-407	70	39	occurred	occur	VERB
amae-407	70	40	in	in	ADP
amae-407	70	41	the	the	DET
amae-407	70	42	spring	spring	NOUN
amae-407	70	43	of	of	ADP
amae-407	70	44	2018	2018	NUM
amae-407	70	45	through	through	ADP
amae-407	70	46	individual	individual	ADJ
amae-407	70	47	semi	semi	ADJ
amae-407	70	48	-	-	ADJ
amae-407	70	49	structured	structured	ADJ
amae-407	70	50	interviews	interview	NOUN
amae-407	70	51	that	that	PRON
amae-407	70	52	lasted	last	VERB
amae-407	70	53	between	between	ADP
amae-407	70	54	45	45	NUM
amae-407	70	55	minutes	minute	NOUN
amae-407	70	56	to	to	ADP
amae-407	70	57	an	an	DET
amae-407	70	58	hour	hour	NOUN
amae-407	70	59	.	.	PUNCT
amae-407	71	1	participants	participant	NOUN
amae-407	71	2	were	be	AUX
amae-407	71	3	asked	ask	VERB
amae-407	71	4	questions	question	NOUN
amae-407	71	5	related	relate	VERB
amae-407	71	6	to	to	ADP
amae-407	71	7	their	their	PRON
amae-407	71	8	borrowing	borrowing	NOUN
amae-407	71	9	experiences	experience	NOUN
amae-407	71	10	throughout	throughout	ADP
amae-407	71	11	college	college	NOUN
amae-407	71	12	,	,	PUNCT
amae-407	71	13	as	as	ADV
amae-407	71	14	well	well	ADV
amae-407	71	15	as	as	ADP
amae-407	71	16	their	their	PRON
amae-407	71	17	general	general	ADJ
amae-407	71	18	understanding	understanding	NOUN
amae-407	71	19	of	of	ADP
amae-407	71	20	student	student	NOUN
amae-407	71	21	loans	loan	NOUN
amae-407	71	22	and	and	CCONJ
amae-407	71	23	repayment	repayment	NOUN
amae-407	71	24	.	.	PUNCT
amae-407	72	1	authors	author	NOUN
amae-407	72	2	1	1	NUM
amae-407	72	3	and	and	CCONJ
amae-407	72	4	3	3	NUM
amae-407	72	5	conducted	conduct	VERB
amae-407	72	6	interviews	interview	NOUN
amae-407	72	7	in	in	ADP
amae-407	72	8	-	-	PUNCT
amae-407	72	9	person	person	NOUN
amae-407	72	10	with	with	ADP
amae-407	72	11	participants	participant	NOUN
amae-407	72	12	,	,	PUNCT
amae-407	72	13	which	which	PRON
amae-407	72	14	were	be	AUX
amae-407	72	15	recorded	record	VERB
amae-407	72	16	and	and	CCONJ
amae-407	72	17	transcribed	transcribe	VERB
amae-407	72	18	verbatim	verbatim	PROPN
amae-407	72	19	.	.	PUNCT
amae-407	73	1	audio	audio	ADJ
amae-407	73	2	transcriptions	transcription	NOUN
amae-407	73	3	were	be	AUX
amae-407	73	4	reviewed	review	VERB
amae-407	73	5	and	and	CCONJ
amae-407	73	6	cleaned	clean	VERB
amae-407	73	7	for	for	ADP
amae-407	73	8	initial	initial	ADJ
amae-407	73	9	analysis	analysis	NOUN
amae-407	73	10	,	,	PUNCT
amae-407	73	11	then	then	ADV
amae-407	73	12	uploaded	upload	VERB
amae-407	73	13	into	into	ADP
amae-407	73	14	dedoose	dedoose	ADJ
amae-407	73	15	qualitative	qualitative	ADJ
amae-407	73	16	analysis	analysis	NOUN
amae-407	73	17	software	software	NOUN
amae-407	73	18	for	for	ADP
amae-407	73	19	further	further	ADJ
amae-407	73	20	analysis	analysis	NOUN
amae-407	73	21	.	.	PUNCT
amae-407	74	1	significant	significant	ADJ
amae-407	74	2	statements	statement	NOUN
amae-407	74	3	from	from	ADP
amae-407	74	4	the	the	DET
amae-407	74	5	transcription	transcription	NOUN
amae-407	74	6	data	datum	NOUN
amae-407	74	7	were	be	AUX
amae-407	74	8	identified	identify	VERB
amae-407	74	9	and	and	CCONJ
amae-407	74	10	open	open	ADJ
amae-407	74	11	coded	code	VERB
amae-407	74	12	(	(	PUNCT
amae-407	74	13	strauss	strauss	PROPN
amae-407	74	14	&	&	CCONJ
amae-407	74	15	corbin	corbin	PROPN
amae-407	74	16	,	,	PUNCT
amae-407	74	17	1998	1998	NUM
amae-407	74	18	)	)	PUNCT
amae-407	74	19	,	,	PUNCT
amae-407	74	20	then	then	ADV
amae-407	74	21	categorized	categorize	VERB
amae-407	74	22	and	and	CCONJ
amae-407	74	23	placed	place	VERB
amae-407	74	24	into	into	ADP
amae-407	74	25	themes	theme	NOUN
amae-407	74	26	(	(	PUNCT
amae-407	74	27	saldaña	saldaña	ADJ
amae-407	74	28	,	,	PUNCT
amae-407	74	29	2015	2015	NUM
amae-407	74	30	)	)	PUNCT
amae-407	74	31	.	.	PUNCT
amae-407	75	1	the	the	DET
amae-407	75	2	next	next	ADJ
amae-407	75	3	step	step	NOUN
amae-407	75	4	in	in	ADP
amae-407	75	5	the	the	DET
amae-407	75	6	analysis	analysis	NOUN
amae-407	75	7	involved	involve	VERB
amae-407	75	8	reviewing	review	VERB
amae-407	75	9	researcher	researcher	NOUN
amae-407	75	10	analytic	analytic	ADJ
amae-407	75	11	memos	memo	NOUN
amae-407	75	12	,	,	PUNCT
amae-407	75	13	debriefing	debriefing	NOUN
amae-407	75	14	sessions	session	NOUN
amae-407	75	15	,	,	PUNCT
amae-407	75	16	interview	interview	NOUN
amae-407	75	17	notes	note	NOUN
amae-407	75	18	,	,	PUNCT
amae-407	75	19	and	and	CCONJ
amae-407	75	20	follow	follow	VERB
amae-407	75	21	-	-	PUNCT
amae-407	75	22	up	up	ADP
amae-407	75	23	analysis	analysis	NOUN
amae-407	75	24	of	of	ADP
amae-407	75	25	transcripts	transcript	NOUN
amae-407	75	26	by	by	ADP
amae-407	75	27	all	all	DET
amae-407	75	28	three	three	NUM
amae-407	75	29	authors	author	NOUN
amae-407	75	30	,	,	PUNCT
amae-407	75	31	first	first	ADV
amae-407	75	32	“	"	PUNCT
amae-407	75	33	without	without	ADP
amae-407	75	34	them	they	PRON
amae-407	75	35	”	"	PUNCT
amae-407	75	36	association	association	NOUN
amae-407	75	37	of	of	ADP
amae-407	75	38	mexican	mexican	PROPN
amae-407	75	39	american	american	PROPN
amae-407	75	40	educators	educator	NOUN
amae-407	75	41	(	(	PUNCT
amae-407	75	42	amae	amae	NOUN
amae-407	75	43	)	)	PUNCT
amae-407	75	44	journal	journal	NOUN
amae-407	75	45	©	©	PROPN
amae-407	75	46	2020	2020	NUM
amae-407	75	47	,	,	PUNCT
amae-407	75	48	volume	volume	NOUN
amae-407	75	49	14	14	NUM
amae-407	75	50	,	,	PUNCT
amae-407	75	51	issue	issue	NOUN
amae-407	75	52	3	3	NUM
amae-407	75	53	36	36	NUM
amae-407	75	54	separately	separately	ADV
amae-407	75	55	,	,	PUNCT
amae-407	75	56	then	then	ADV
amae-407	75	57	collectively	collectively	ADV
amae-407	75	58	as	as	ADP
amae-407	75	59	a	a	DET
amae-407	75	60	group	group	NOUN
amae-407	75	61	,	,	PUNCT
amae-407	75	62	for	for	ADP
amae-407	75	63	triangulation	triangulation	NOUN
amae-407	75	64	purposes	purpose	NOUN
amae-407	75	65	(	(	PUNCT
amae-407	75	66	creswell	creswell	PROPN
amae-407	75	67	,	,	PUNCT
amae-407	75	68	2013	2013	NUM
amae-407	75	69	)	)	PUNCT
amae-407	75	70	.	.	PUNCT
amae-407	76	1	throughout	throughout	ADP
amae-407	76	2	this	this	DET
amae-407	76	3	meaning	meaning	NOUN
amae-407	76	4	-	-	PUNCT
amae-407	76	5	making	make	VERB
amae-407	76	6	process	process	NOUN
amae-407	76	7	of	of	ADP
amae-407	76	8	the	the	DET
amae-407	76	9	data	datum	NOUN
amae-407	76	10	,	,	PUNCT
amae-407	76	11	we	we	PRON
amae-407	76	12	searched	search	VERB
amae-407	76	13	for	for	ADP
amae-407	76	14	common	common	ADJ
amae-407	76	15	or	or	CCONJ
amae-407	76	16	shared	share	VERB
amae-407	76	17	experiences	experience	NOUN
amae-407	76	18	based	base	VERB
amae-407	76	19	on	on	ADP
amae-407	76	20	reflective	reflective	ADJ
amae-407	76	21	and	and	CCONJ
amae-407	76	22	inductive	inductive	ADJ
amae-407	76	23	analysis	analysis	NOUN
amae-407	76	24	and	and	CCONJ
amae-407	76	25	interpretation	interpretation	NOUN
amae-407	76	26	of	of	ADP
amae-407	76	27	participants	participant	NOUN
amae-407	76	28	’	'	PUNCT
amae-407	76	29	accounts	account	NOUN
amae-407	76	30	(	(	PUNCT
amae-407	76	31	moustakas	moustakas	NOUN
amae-407	76	32	,	,	PUNCT
amae-407	76	33	1994	1994	NUM
amae-407	76	34	)	)	PUNCT
amae-407	76	35	.	.	PUNCT
amae-407	77	1	after	after	ADP
amae-407	77	2	consensus	consensus	NOUN
amae-407	77	3	among	among	ADP
amae-407	77	4	the	the	DET
amae-407	77	5	researchers	researcher	NOUN
amae-407	77	6	,	,	PUNCT
amae-407	77	7	the	the	DET
amae-407	77	8	most	most	ADV
amae-407	77	9	representative	representative	ADJ
amae-407	77	10	quotes	quote	NOUN
amae-407	77	11	from	from	ADP
amae-407	77	12	the	the	DET
amae-407	77	13	emergent	emergent	ADJ
amae-407	77	14	findings	finding	NOUN
amae-407	77	15	were	be	AUX
amae-407	77	16	chosen	choose	VERB
amae-407	77	17	to	to	PART
amae-407	77	18	support	support	VERB
amae-407	77	19	each	each	DET
amae-407	77	20	theme	theme	NOUN
amae-407	77	21	.	.	PUNCT
amae-407	78	1	researcher	researcher	NOUN
amae-407	78	2	positionality	positionality	NOUN
amae-407	78	3	and	and	CCONJ
amae-407	78	4	study	study	NOUN
amae-407	78	5	limitations	limitation	NOUN
amae-407	78	6	qualitative	qualitative	ADJ
amae-407	78	7	research	research	NOUN
amae-407	78	8	involves	involve	VERB
amae-407	78	9	a	a	DET
amae-407	78	10	process	process	NOUN
amae-407	78	11	of	of	ADP
amae-407	78	12	reflection	reflection	NOUN
amae-407	78	13	by	by	ADP
amae-407	78	14	researchers	researcher	NOUN
amae-407	78	15	regarding	regard	VERB
amae-407	78	16	their	their	PRON
amae-407	78	17	previous	previous	ADJ
amae-407	78	18	experiences	experience	NOUN
amae-407	78	19	and	and	CCONJ
amae-407	78	20	current	current	ADJ
amae-407	78	21	perspectives	perspective	NOUN
amae-407	78	22	that	that	PRON
amae-407	78	23	might	might	AUX
amae-407	78	24	shape	shape	VERB
amae-407	78	25	aspects	aspect	NOUN
amae-407	78	26	of	of	ADP
amae-407	78	27	the	the	DET
amae-407	78	28	study	study	NOUN
amae-407	78	29	(	(	PUNCT
amae-407	78	30	milner	milner	NOUN
amae-407	78	31	,	,	PUNCT
amae-407	78	32	2007	2007	NUM
amae-407	78	33	)	)	PUNCT
amae-407	78	34	.	.	PUNCT
amae-407	79	1	we	we	PRON
amae-407	79	2	were	be	AUX
amae-407	79	3	reflexive	reflexive	ADJ
amae-407	79	4	in	in	ADP
amae-407	79	5	that	that	SCONJ
amae-407	79	6	we	we	PRON
amae-407	79	7	recognized	recognize	VERB
amae-407	79	8	how	how	SCONJ
amae-407	79	9	our	our	PRON
amae-407	79	10	personal	personal	ADJ
amae-407	79	11	biases	bias	NOUN
amae-407	79	12	might	might	AUX
amae-407	79	13	influence	influence	VERB
amae-407	79	14	the	the	DET
amae-407	79	15	findings	finding	NOUN
amae-407	79	16	from	from	ADP
amae-407	79	17	the	the	DET
amae-407	79	18	current	current	ADJ
amae-407	79	19	study	study	NOUN
amae-407	79	20	.	.	PUNCT
amae-407	80	1	in	in	ADP
amae-407	80	2	his	his	PRON
amae-407	80	3	former	former	ADJ
amae-407	80	4	role	role	NOUN
amae-407	80	5	as	as	ADP
amae-407	80	6	a	a	DET
amae-407	80	7	student	student	NOUN
amae-407	80	8	loan	loan	NOUN
amae-407	80	9	consultant	consultant	NOUN
amae-407	80	10	,	,	PUNCT
amae-407	80	11	author	author	NOUN
amae-407	80	12	1	1	NUM
amae-407	80	13	was	be	AUX
amae-407	80	14	responsible	responsible	ADJ
amae-407	80	15	for	for	ADP
amae-407	80	16	conducting	conduct	VERB
amae-407	80	17	loan	loan	NOUN
amae-407	80	18	counseling	counseling	NOUN
amae-407	80	19	,	,	PUNCT
amae-407	80	20	financial	financial	ADJ
amae-407	80	21	aid	aid	NOUN
amae-407	80	22	,	,	PUNCT
amae-407	80	23	and	and	CCONJ
amae-407	80	24	financial	financial	ADJ
amae-407	80	25	literacy	literacy	NOUN
amae-407	80	26	workshops	workshop	NOUN
amae-407	80	27	for	for	ADP
amae-407	80	28	college	college	NOUN
amae-407	80	29	students	student	NOUN
amae-407	80	30	,	,	PUNCT
amae-407	80	31	high	high	ADJ
amae-407	80	32	school	school	NOUN
amae-407	80	33	students	student	NOUN
amae-407	80	34	,	,	PUNCT
amae-407	80	35	and	and	CCONJ
amae-407	80	36	families	family	NOUN
amae-407	80	37	.	.	PUNCT
amae-407	81	1	this	this	DET
amae-407	81	2	experience	experience	NOUN
amae-407	81	3	provided	provide	VERB
amae-407	81	4	him	he	PRON
amae-407	81	5	with	with	ADP
amae-407	81	6	an	an	DET
amae-407	81	7	insider	insider	NOUN
amae-407	81	8	perspective	perspective	NOUN
amae-407	81	9	on	on	ADP
amae-407	81	10	students	student	NOUN
amae-407	81	11	’	'	PUNCT
amae-407	81	12	general	general	ADJ
amae-407	81	13	understanding	understanding	NOUN
amae-407	81	14	of	of	ADP
amae-407	81	15	the	the	DET
amae-407	81	16	student	student	NOUN
amae-407	81	17	loan	loan	NOUN
amae-407	81	18	and	and	CCONJ
amae-407	81	19	financial	financial	ADJ
amae-407	81	20	aid	aid	NOUN
amae-407	81	21	process	process	NOUN
amae-407	81	22	.	.	PUNCT
amae-407	82	1	author	author	NOUN
amae-407	82	2	2	2	NUM
amae-407	82	3	held	hold	VERB
amae-407	82	4	previous	previous	ADJ
amae-407	82	5	roles	role	NOUN
amae-407	82	6	as	as	ADP
amae-407	82	7	an	an	DET
amae-407	82	8	academic	academic	ADJ
amae-407	82	9	advisor	advisor	NOUN
amae-407	82	10	and	and	CCONJ
amae-407	82	11	mental	mental	ADJ
amae-407	82	12	health	health	NOUN
amae-407	82	13	counselor	counselor	NOUN
amae-407	82	14	at	at	ADP
amae-407	82	15	public	public	ADJ
amae-407	82	16	and	and	CCONJ
amae-407	82	17	private	private	ADJ
amae-407	82	18	postsecondary	postsecondary	ADJ
amae-407	82	19	institutions	institution	NOUN
amae-407	82	20	,	,	PUNCT
amae-407	82	21	also	also	ADV
amae-407	82	22	giving	give	VERB
amae-407	82	23	him	he	PRON
amae-407	82	24	insider	insider	NOUN
amae-407	82	25	knowledge	knowledge	NOUN
amae-407	82	26	of	of	ADP
amae-407	82	27	the	the	DET
amae-407	82	28	financial	financial	ADJ
amae-407	82	29	aid	aid	NOUN
amae-407	82	30	process	process	NOUN
amae-407	82	31	and	and	CCONJ
amae-407	82	32	the	the	DET
amae-407	82	33	effects	effect	NOUN
amae-407	82	34	student	student	NOUN
amae-407	82	35	loans	loan	NOUN
amae-407	82	36	can	can	AUX
amae-407	82	37	have	have	VERB
amae-407	82	38	on	on	ADP
amae-407	82	39	students	student	NOUN
amae-407	82	40	'	'	PART
amae-407	82	41	personal	personal	ADJ
amae-407	82	42	lives	life	NOUN
amae-407	82	43	.	.	PUNCT
amae-407	83	1	author	author	NOUN
amae-407	83	2	3	3	NUM
amae-407	83	3	holds	hold	VERB
amae-407	83	4	a	a	DET
amae-407	83	5	significant	significant	ADJ
amae-407	83	6	amount	amount	NOUN
amae-407	83	7	of	of	ADP
amae-407	83	8	student	student	NOUN
amae-407	83	9	debt	debt	NOUN
amae-407	83	10	,	,	PUNCT
amae-407	83	11	and	and	CCONJ
amae-407	83	12	therefore	therefore	ADV
amae-407	83	13	,	,	PUNCT
amae-407	83	14	is	be	AUX
amae-407	83	15	similarly	similarly	ADV
amae-407	83	16	situated	situate	VERB
amae-407	83	17	to	to	ADP
amae-407	83	18	several	several	ADJ
amae-407	83	19	of	of	ADP
amae-407	83	20	the	the	DET
amae-407	83	21	participants	participant	NOUN
amae-407	83	22	in	in	ADP
amae-407	83	23	this	this	DET
amae-407	83	24	study	study	NOUN
amae-407	83	25	.	.	PUNCT
amae-407	84	1	a	a	DET
amae-407	84	2	few	few	ADJ
amae-407	84	3	limitations	limitation	NOUN
amae-407	84	4	must	must	AUX
amae-407	84	5	be	be	AUX
amae-407	84	6	noted	note	VERB
amae-407	84	7	in	in	ADP
amae-407	84	8	the	the	DET
amae-407	84	9	interpretation	interpretation	NOUN
amae-407	84	10	of	of	ADP
amae-407	84	11	the	the	DET
amae-407	84	12	findings	finding	NOUN
amae-407	84	13	.	.	PUNCT
amae-407	85	1	first	first	ADV
amae-407	85	2	,	,	PUNCT
amae-407	85	3	this	this	DET
amae-407	85	4	study	study	NOUN
amae-407	85	5	describes	describe	VERB
amae-407	85	6	the	the	DET
amae-407	85	7	perspectives	perspective	NOUN
amae-407	85	8	of	of	ADP
amae-407	85	9	student	student	NOUN
amae-407	85	10	loan	loan	NOUN
amae-407	85	11	borrowers	borrower	NOUN
amae-407	85	12	who	who	PRON
amae-407	85	13	attended	attend	VERB
amae-407	85	14	a	a	DET
amae-407	85	15	hispanic	hispanic	NOUN
amae-407	85	16	-	-	PUNCT
amae-407	85	17	serving	serve	VERB
amae-407	85	18	institution	institution	NOUN
amae-407	85	19	.	.	PUNCT
amae-407	86	1	therefore	therefore	ADV
amae-407	86	2	,	,	PUNCT
amae-407	86	3	findings	finding	NOUN
amae-407	86	4	can	can	AUX
amae-407	86	5	not	not	PART
amae-407	86	6	be	be	AUX
amae-407	86	7	generalized	generalize	VERB
amae-407	86	8	to	to	ADP
amae-407	86	9	all	all	DET
amae-407	86	10	latinx	latinx	NOUN
amae-407	86	11	students	student	NOUN
amae-407	86	12	,	,	PUNCT
amae-407	86	13	particularly	particularly	ADV
amae-407	86	14	for	for	ADP
amae-407	86	15	those	those	PRON
amae-407	86	16	who	who	PRON
amae-407	86	17	do	do	AUX
amae-407	86	18	not	not	PART
amae-407	86	19	have	have	VERB
amae-407	86	20	student	student	NOUN
amae-407	86	21	loan	loan	NOUN
amae-407	86	22	debt	debt	NOUN
amae-407	86	23	.	.	PUNCT
amae-407	87	1	also	also	ADV
amae-407	87	2	,	,	PUNCT
amae-407	87	3	while	while	SCONJ
amae-407	87	4	the	the	DET
amae-407	87	5	majority	majority	NOUN
amae-407	87	6	of	of	ADP
amae-407	87	7	our	our	PRON
amae-407	87	8	participants	participant	NOUN
amae-407	87	9	indicated	indicate	VERB
amae-407	87	10	they	they	PRON
amae-407	87	11	were	be	AUX
amae-407	87	12	low	low	ADJ
amae-407	87	13	income	income	NOUN
amae-407	87	14	,	,	PUNCT
amae-407	87	15	we	we	PRON
amae-407	87	16	did	do	AUX
amae-407	87	17	not	not	PART
amae-407	87	18	focus	focus	VERB
amae-407	87	19	on	on	ADP
amae-407	87	20	unpacking	unpack	VERB
amae-407	87	21	this	this	DET
amae-407	87	22	context	context	NOUN
amae-407	87	23	,	,	PUNCT
amae-407	87	24	as	as	SCONJ
amae-407	87	25	it	it	PRON
amae-407	87	26	was	be	AUX
amae-407	87	27	beyond	beyond	ADP
amae-407	87	28	the	the	DET
amae-407	87	29	scope	scope	NOUN
amae-407	87	30	of	of	ADP
amae-407	87	31	the	the	DET
amae-407	87	32	study	study	NOUN
amae-407	87	33	.	.	PUNCT
amae-407	88	1	future	future	ADJ
amae-407	88	2	research	research	NOUN
amae-407	88	3	should	should	AUX
amae-407	88	4	explore	explore	VERB
amae-407	88	5	specifically	specifically	ADV
amae-407	88	6	how	how	SCONJ
amae-407	88	7	parental	parental	ADJ
amae-407	88	8	income	income	NOUN
amae-407	88	9	,	,	PUNCT
amae-407	88	10	wealth	wealth	NOUN
amae-407	88	11	,	,	PUNCT
amae-407	88	12	and	and	CCONJ
amae-407	88	13	family	family	NOUN
amae-407	88	14	contributions	contribution	NOUN
amae-407	88	15	influence	influence	NOUN
amae-407	88	16	perceptions	perception	NOUN
amae-407	88	17	of	of	ADP
amae-407	88	18	student	student	NOUN
amae-407	88	19	loan	loan	NOUN
amae-407	88	20	debt	debt	NOUN
amae-407	88	21	.	.	PUNCT
amae-407	89	1	findings	finding	NOUN
amae-407	89	2	drawing	draw	VERB
amae-407	89	3	on	on	ADP
amae-407	89	4	our	our	PRON
amae-407	89	5	theoretical	theoretical	ADJ
amae-407	89	6	framework	framework	NOUN
amae-407	89	7	,	,	PUNCT
amae-407	89	8	we	we	PRON
amae-407	89	9	organized	organize	VERB
amae-407	89	10	our	our	PRON
amae-407	89	11	findings	finding	NOUN
amae-407	89	12	around	around	ADP
amae-407	89	13	three	three	NUM
amae-407	89	14	themes	theme	NOUN
amae-407	89	15	:	:	PUNCT
amae-407	89	16	lack	lack	NOUN
amae-407	89	17	of	of	ADP
amae-407	89	18	institutional	institutional	ADJ
amae-407	89	19	guidance	guidance	NOUN
amae-407	89	20	,	,	PUNCT
amae-407	89	21	rationale	rationale	NOUN
amae-407	89	22	for	for	ADP
amae-407	89	23	borrowing	borrowing	NOUN
amae-407	89	24	,	,	PUNCT
amae-407	89	25	and	and	CCONJ
amae-407	89	26	the	the	DET
amae-407	89	27	burden	burden	NOUN
amae-407	89	28	of	of	ADP
amae-407	89	29	debt	debt	NOUN
amae-407	89	30	.	.	PUNCT
amae-407	90	1	from	from	ADP
amae-407	90	2	these	these	DET
amae-407	90	3	themes	theme	NOUN
amae-407	90	4	,	,	PUNCT
amae-407	90	5	we	we	PRON
amae-407	90	6	carales	carale	VERB
amae-407	90	7	,	,	PUNCT
amae-407	90	8	molina	molina	PROPN
amae-407	90	9	&	&	CCONJ
amae-407	90	10	hooker	hooker	PROPN
amae-407	90	11	association	association	PROPN
amae-407	90	12	of	of	ADP
amae-407	90	13	mexican	mexican	PROPN
amae-407	90	14	american	american	PROPN
amae-407	90	15	educators	educator	NOUN
amae-407	90	16	(	(	PUNCT
amae-407	90	17	amae	amae	NOUN
amae-407	90	18	)	)	PUNCT
amae-407	90	19	journal	journal	NOUN
amae-407	90	20	©	©	PROPN
amae-407	90	21	2020	2020	NUM
amae-407	90	22	,	,	PUNCT
amae-407	90	23	volume	volume	NOUN
amae-407	90	24	14	14	NUM
amae-407	90	25	,	,	PUNCT
amae-407	90	26	issue	issue	NOUN
amae-407	90	27	3	3	NUM
amae-407	90	28	37	37	NUM
amae-407	90	29	discovered	discover	VERB
amae-407	90	30	where	where	SCONJ
amae-407	90	31	participants	participant	NOUN
amae-407	90	32	obtained	obtain	VERB
amae-407	90	33	information	information	NOUN
amae-407	90	34	about	about	ADP
amae-407	90	35	loans	loan	NOUN
amae-407	90	36	and	and	CCONJ
amae-407	90	37	borrowing	borrowing	NOUN
amae-407	90	38	,	,	PUNCT
amae-407	90	39	how	how	SCONJ
amae-407	90	40	they	they	PRON
amae-407	90	41	rationalized	rationalize	VERB
amae-407	90	42	the	the	DET
amae-407	90	43	choice	choice	NOUN
amae-407	90	44	to	to	PART
amae-407	90	45	borrow	borrow	VERB
amae-407	90	46	,	,	PUNCT
amae-407	90	47	and	and	CCONJ
amae-407	90	48	how	how	SCONJ
amae-407	90	49	they	they	PRON
amae-407	90	50	processed	process	VERB
amae-407	90	51	what	what	PRON
amae-407	90	52	their	their	PRON
amae-407	90	53	debt	debt	NOUN
amae-407	90	54	meant	mean	VERB
amae-407	90	55	to	to	ADP
amae-407	90	56	them	they	PRON
amae-407	90	57	.	.	PUNCT
amae-407	91	1	lack	lack	NOUN
amae-407	91	2	of	of	ADP
amae-407	91	3	institutional	institutional	ADJ
amae-407	91	4	guidance	guidance	NOUN
amae-407	91	5	participants	participant	NOUN
amae-407	91	6	obtained	obtain	VERB
amae-407	91	7	information	information	NOUN
amae-407	91	8	about	about	ADP
amae-407	91	9	student	student	NOUN
amae-407	91	10	loans	loan	NOUN
amae-407	91	11	from	from	ADP
amae-407	91	12	various	various	ADJ
amae-407	91	13	contexts	contexts	NOUN
amae-407	91	14	,	,	PUNCT
amae-407	91	15	including	include	VERB
amae-407	91	16	parents	parent	NOUN
amae-407	91	17	,	,	PUNCT
amae-407	91	18	siblings	sibling	NOUN
amae-407	91	19	,	,	PUNCT
amae-407	91	20	friends	friend	NOUN
amae-407	91	21	,	,	PUNCT
amae-407	91	22	and	and	CCONJ
amae-407	91	23	strangers	stranger	NOUN
amae-407	91	24	.	.	PUNCT
amae-407	92	1	institutionally	institutionally	ADV
amae-407	92	2	,	,	PUNCT
amae-407	92	3	some	some	PRON
amae-407	92	4	expressed	express	VERB
amae-407	92	5	obtaining	obtain	VERB
amae-407	92	6	information	information	NOUN
amae-407	92	7	from	from	ADP
amae-407	92	8	the	the	DET
amae-407	92	9	financial	financial	ADJ
amae-407	92	10	aid	aid	NOUN
amae-407	92	11	office	office	NOUN
amae-407	92	12	,	,	PUNCT
amae-407	92	13	while	while	SCONJ
amae-407	92	14	transfer	transfer	NOUN
amae-407	92	15	students	student	NOUN
amae-407	92	16	acknowledged	acknowledge	VERB
amae-407	92	17	obtaining	obtain	VERB
amae-407	92	18	information	information	NOUN
amae-407	92	19	from	from	ADP
amae-407	92	20	a	a	DET
amae-407	92	21	community	community	NOUN
amae-407	92	22	college	college	NOUN
amae-407	92	23	.	.	PUNCT
amae-407	93	1	in	in	ADP
amae-407	93	2	many	many	ADJ
amae-407	93	3	circumstances	circumstance	NOUN
amae-407	93	4	,	,	PUNCT
amae-407	93	5	the	the	DET
amae-407	93	6	information	information	NOUN
amae-407	93	7	was	be	AUX
amae-407	93	8	incomplete	incomplete	ADJ
amae-407	93	9	or	or	CCONJ
amae-407	93	10	unavailable	unavailable	ADJ
amae-407	93	11	from	from	ADP
amae-407	93	12	the	the	DET
amae-407	93	13	study	study	NOUN
amae-407	93	14	institution	institution	NOUN
amae-407	93	15	.	.	PUNCT
amae-407	94	1	even	even	ADV
amae-407	94	2	though	though	SCONJ
amae-407	94	3	participants	participant	NOUN
amae-407	94	4	were	be	AUX
amae-407	94	5	enrolled	enrol	VERB
amae-407	94	6	at	at	ADP
amae-407	94	7	an	an	DET
amae-407	94	8	institution	institution	NOUN
amae-407	94	9	designated	designate	VERB
amae-407	94	10	as	as	ADP
amae-407	94	11	“	"	PUNCT
amae-407	94	12	hispanic	hispanic	ADJ
amae-407	94	13	-	-	PUNCT
amae-407	94	14	serving	serve	VERB
amae-407	94	15	”	"	PUNCT
amae-407	94	16	,	,	PUNCT
amae-407	94	17	their	their	PRON
amae-407	94	18	informational	informational	ADJ
amae-407	94	19	needs	need	NOUN
amae-407	94	20	were	be	AUX
amae-407	94	21	unmet	unmet	NOUN
amae-407	94	22	.	.	PUNCT
amae-407	95	1	for	for	ADP
amae-407	95	2	example	example	NOUN
amae-407	95	3	,	,	PUNCT
amae-407	95	4	when	when	SCONJ
amae-407	95	5	asked	ask	VERB
amae-407	95	6	about	about	ADP
amae-407	95	7	what	what	DET
amae-407	95	8	type	type	NOUN
amae-407	95	9	of	of	ADP
amae-407	95	10	information	information	NOUN
amae-407	95	11	she	she	PRON
amae-407	95	12	received	receive	VERB
amae-407	95	13	from	from	ADP
amae-407	95	14	the	the	DET
amae-407	95	15	institution	institution	NOUN
amae-407	95	16	’s	’s	PART
amae-407	95	17	financial	financial	ADJ
amae-407	95	18	aid	aid	NOUN
amae-407	95	19	office	office	NOUN
amae-407	95	20	,	,	PUNCT
amae-407	95	21	cece	cece	PROPN
amae-407	95	22	states	state	VERB
amae-407	95	23	:	:	PUNCT
amae-407	95	24	nothing	nothing	PRON
amae-407	95	25	.	.	PUNCT
amae-407	96	1	nothing	nothing	PRON
amae-407	96	2	.	.	PUNCT
amae-407	97	1	i	i	PRON
amae-407	97	2	never	never	ADV
amae-407	97	3	got	get	VERB
amae-407	97	4	any	any	DET
amae-407	97	5	information	information	NOUN
amae-407	97	6	from	from	ADP
amae-407	97	7	anybody	anybody	PRON
amae-407	97	8	in	in	ADP
amae-407	97	9	the	the	DET
amae-407	97	10	[	[	X
amae-407	97	11	financial	financial	ADJ
amae-407	97	12	aid	aid	NOUN
amae-407	97	13	]	]	PUNCT
amae-407	97	14	office	office	NOUN
amae-407	97	15	…	…	PUNCT
amae-407	97	16	i	i	PRON
amae-407	97	17	did	do	AUX
amae-407	97	18	n't	not	PART
amae-407	97	19	have	have	VERB
amae-407	97	20	hbsa	hbsa	NOUN
amae-407	97	21	like	like	ADP
amae-407	97	22	the	the	DET
amae-407	97	23	houston	houston	PROPN
amae-407	97	24	based	base	VERB
amae-407	97	25	,	,	PUNCT
amae-407	97	26	hispanic	hispanic	ADJ
amae-407	97	27	business	business	NOUN
amae-407	97	28	,	,	PUNCT
amae-407	97	29	i	i	PRON
amae-407	97	30	did	do	AUX
amae-407	97	31	n't	not	PART
amae-407	97	32	have	have	VERB
amae-407	97	33	any	any	PRON
amae-407	97	34	of	of	ADP
amae-407	97	35	that	that	PRON
amae-407	97	36	to	to	PART
amae-407	97	37	turn	turn	VERB
amae-407	97	38	to	to	ADP
amae-407	97	39	,	,	PUNCT
amae-407	97	40	to	to	PART
amae-407	97	41	say	say	VERB
amae-407	97	42	,	,	PUNCT
amae-407	97	43	“	"	PUNCT
amae-407	97	44	oh	oh	INTJ
amae-407	97	45	,	,	PUNCT
amae-407	97	46	we	we	PRON
amae-407	97	47	're	be	AUX
amae-407	97	48	all	all	PRON
amae-407	97	49	first	first	ADJ
amae-407	97	50	generation	generation	NOUN
amae-407	97	51	,	,	PUNCT
amae-407	97	52	here	here	ADV
amae-407	97	53	's	be	AUX
amae-407	97	54	my	my	PRON
amae-407	97	55	people	people	NOUN
amae-407	97	56	…	…	PUNCT
amae-407	97	57	but	but	CCONJ
amae-407	97	58	i	i	PRON
amae-407	97	59	did	do	AUX
amae-407	97	60	n't	not	PART
amae-407	97	61	have	have	VERB
amae-407	97	62	that	that	PRON
amae-407	97	63	here	here	ADV
amae-407	97	64	.	.	PUNCT
amae-407	98	1	cece	cece	PROPN
amae-407	98	2	’s	’s	PART
amae-407	98	3	experience	experience	NOUN
amae-407	98	4	not	not	PART
amae-407	98	5	only	only	ADV
amae-407	98	6	explains	explain	VERB
amae-407	98	7	the	the	DET
amae-407	98	8	lack	lack	NOUN
amae-407	98	9	of	of	ADP
amae-407	98	10	information	information	NOUN
amae-407	98	11	made	make	VERB
amae-407	98	12	available	available	ADJ
amae-407	98	13	,	,	PUNCT
amae-407	98	14	but	but	CCONJ
amae-407	98	15	also	also	ADV
amae-407	98	16	highlights	highlight	VERB
amae-407	98	17	the	the	DET
amae-407	98	18	disconnect	disconnect	NOUN
amae-407	98	19	between	between	ADP
amae-407	98	20	the	the	DET
amae-407	98	21	institution	institution	NOUN
amae-407	98	22	,	,	PUNCT
amae-407	98	23	an	an	DET
amae-407	98	24	hsi	hsi	PROPN
amae-407	98	25	,	,	PUNCT
amae-407	98	26	and	and	CCONJ
amae-407	98	27	its	its	PRON
amae-407	98	28	hispanic	hispanic	ADJ
amae-407	98	29	students	student	NOUN
amae-407	98	30	seeking	seek	VERB
amae-407	98	31	connection	connection	NOUN
amae-407	98	32	.	.	PUNCT
amae-407	99	1	cece	cece	PROPN
amae-407	99	2	’s	’s	PART
amae-407	99	3	experience	experience	NOUN
amae-407	99	4	was	be	AUX
amae-407	99	5	not	not	PART
amae-407	99	6	unique	unique	ADJ
amae-407	99	7	.	.	PUNCT
amae-407	100	1	daniel	daniel	PROPN
amae-407	100	2	’s	’s	PART
amae-407	100	3	experience	experience	NOUN
amae-407	100	4	with	with	ADP
amae-407	100	5	having	have	VERB
amae-407	100	6	a	a	DET
amae-407	100	7	limited	limited	ADJ
amae-407	100	8	source	source	NOUN
amae-407	100	9	of	of	ADP
amae-407	100	10	information	information	NOUN
amae-407	100	11	from	from	ADP
amae-407	100	12	the	the	DET
amae-407	100	13	institution	institution	NOUN
amae-407	100	14	went	go	VERB
amae-407	100	15	beyond	beyond	ADP
amae-407	100	16	financial	financial	ADJ
amae-407	100	17	aid	aid	NOUN
amae-407	100	18	offices	office	NOUN
amae-407	100	19	and	and	CCONJ
amae-407	100	20	into	into	ADP
amae-407	100	21	faculty	faculty	NOUN
amae-407	100	22	.	.	PUNCT
amae-407	101	1	he	he	PRON
amae-407	101	2	wondered	wonder	VERB
amae-407	101	3	what	what	PRON
amae-407	101	4	their	their	PRON
amae-407	101	5	role	role	NOUN
amae-407	101	6	was	be	AUX
amae-407	101	7	regarding	regard	VERB
amae-407	101	8	financial	financial	ADJ
amae-407	101	9	aid	aid	NOUN
amae-407	101	10	-	-	PUNCT
amae-407	101	11	related	relate	VERB
amae-407	101	12	information	information	NOUN
amae-407	101	13	,	,	PUNCT
amae-407	101	14	sharing	share	VERB
amae-407	101	15	:	:	PUNCT
amae-407	101	16	i	i	PRON
amae-407	101	17	do	do	AUX
amae-407	101	18	n't	not	PART
amae-407	101	19	know	know	VERB
amae-407	101	20	if	if	SCONJ
amae-407	101	21	there	there	PRON
amae-407	101	22	's	be	VERB
amae-407	101	23	any	any	DET
amae-407	101	24	faculty	faculty	NOUN
amae-407	101	25	help	help	NOUN
amae-407	101	26	on	on	ADP
amae-407	101	27	these	these	DET
amae-407	101	28	things	thing	NOUN
amae-407	101	29	.	.	PUNCT
amae-407	102	1	although	although	SCONJ
amae-407	102	2	i	i	PRON
amae-407	102	3	'm	be	AUX
amae-407	102	4	sure	sure	ADJ
amae-407	102	5	they	they	PRON
amae-407	102	6	've	have	AUX
amae-407	102	7	helped	help	VERB
amae-407	102	8	lots	lot	NOUN
amae-407	102	9	…	…	PUNCT
amae-407	102	10	but	but	CCONJ
amae-407	102	11	,	,	PUNCT
amae-407	102	12	mostly	mostly	ADV
amae-407	102	13	just	just	ADV
amae-407	102	14	things	thing	NOUN
amae-407	102	15	i	i	PRON
amae-407	102	16	've	have	AUX
amae-407	102	17	done	do	VERB
amae-407	102	18	on	on	ADP
amae-407	102	19	my	my	PRON
amae-407	102	20	own	own	ADJ
amae-407	102	21	,	,	PUNCT
amae-407	102	22	i	i	PRON
amae-407	102	23	have	have	AUX
amae-407	102	24	n't	not	PART
amae-407	102	25	gotten	get	VERB
amae-407	102	26	as	as	ADV
amae-407	102	27	much	much	ADJ
amae-407	102	28	information	information	NOUN
amae-407	102	29	from	from	ADP
amae-407	102	30	the	the	DET
amae-407	102	31	people	people	NOUN
amae-407	102	32	.	.	PUNCT
amae-407	103	1	these	these	DET
amae-407	103	2	findings	finding	NOUN
amae-407	103	3	resonate	resonate	VERB
amae-407	103	4	with	with	ADP
amae-407	103	5	existing	exist	VERB
amae-407	103	6	research	research	NOUN
amae-407	103	7	on	on	ADP
amae-407	103	8	hsis	hsis	NOUN
amae-407	103	9	that	that	PRON
amae-407	103	10	tries	try	VERB
amae-407	103	11	to	to	PART
amae-407	103	12	define	define	VERB
amae-407	103	13	the	the	DET
amae-407	103	14	concept	concept	NOUN
amae-407	103	15	of	of	ADP
amae-407	103	16	servingness	servingness	NOUN
amae-407	103	17	into	into	ADP
amae-407	103	18	specific	specific	ADJ
amae-407	103	19	processes	process	NOUN
amae-407	103	20	,	,	PUNCT
amae-407	103	21	like	like	ADP
amae-407	103	22	institutional	institutional	ADJ
amae-407	103	23	programs	program	NOUN
amae-407	103	24	and	and	CCONJ
amae-407	103	25	policies	policy	NOUN
amae-407	103	26	(	(	PUNCT
amae-407	103	27	garcia	garcia	PROPN
amae-407	103	28	,	,	PUNCT
amae-407	103	29	2019	2019	NUM
amae-407	103	30	)	)	PUNCT
amae-407	103	31	,	,	PUNCT
amae-407	103	32	while	while	SCONJ
amae-407	103	33	also	also	ADV
amae-407	103	34	hinting	hint	VERB
amae-407	103	35	at	at	ADP
amae-407	103	36	the	the	DET
amae-407	103	37	typified	typify	VERB
amae-407	103	38	lack	lack	NOUN
amae-407	103	39	of	of	ADP
amae-407	103	40	resources	resource	NOUN
amae-407	103	41	at	at	ADP
amae-407	103	42	hsis	hsis	NOUN
amae-407	103	43	(	(	PUNCT
amae-407	103	44	santiago	santiago	PROPN
amae-407	103	45	et	et	PROPN
amae-407	103	46	al	al	PROPN
amae-407	103	47	.	.	PROPN
amae-407	103	48	,	,	PUNCT
amae-407	103	49	2016	2016	NUM
amae-407	103	50	)	)	PUNCT
amae-407	103	51	.	.	PUNCT
amae-407	104	1	two	two	NUM
amae-407	104	2	other	other	ADJ
amae-407	104	3	participants	participant	NOUN
amae-407	104	4	expressed	express	VERB
amae-407	104	5	similar	similar	ADJ
amae-407	104	6	feelings	feeling	NOUN
amae-407	104	7	regarding	regard	VERB
amae-407	104	8	information	information	NOUN
amae-407	104	9	from	from	ADP
amae-407	104	10	the	the	DET
amae-407	104	11	institution	institution	NOUN
amae-407	104	12	.	.	PUNCT
amae-407	105	1	for	for	ADP
amae-407	105	2	example	example	NOUN
amae-407	105	3	,	,	PUNCT
amae-407	105	4	marissa	marissa	PROPN
amae-407	105	5	stated	state	VERB
amae-407	105	6	,	,	PUNCT
amae-407	105	7	“	"	PUNCT
amae-407	105	8	i	i	PRON
amae-407	105	9	’m	’m	AUX
amae-407	105	10	constantly	constantly	ADV
amae-407	105	11	coming	come	VERB
amae-407	105	12	up	up	ADP
amae-407	105	13	against	against	ADP
amae-407	105	14	information	information	NOUN
amae-407	105	15	that	that	SCONJ
amae-407	105	16	if	if	SCONJ
amae-407	105	17	i	i	PRON
amae-407	105	18	had	have	VERB
amae-407	105	19	a	a	DET
amae-407	105	20	year	year	NOUN
amae-407	105	21	ago	ago	ADV
amae-407	105	22	,	,	PUNCT
amae-407	105	23	i	i	PRON
amae-407	105	24	could	could	AUX
amae-407	105	25	’ve	’ve	ADV
amae-407	105	26	applied	apply	VERB
amae-407	105	27	…	…	PUNCT
amae-407	105	28	i	i	PRON
amae-407	105	29	did	do	AUX
amae-407	105	30	n’t	not	PART
amae-407	105	31	even	even	ADV
amae-407	105	32	know	know	VERB
amae-407	105	33	that	that	SCONJ
amae-407	105	34	assistance	assistance	NOUN
amae-407	105	35	was	be	AUX
amae-407	105	36	available	available	ADJ
amae-407	105	37	…	…	PUNCT
amae-407	105	38	”	"	PUNCT
amae-407	105	39	christopher	christopher	NOUN
amae-407	105	40	,	,	PUNCT
amae-407	105	41	expressing	express	VERB
amae-407	105	42	his	his	PRON
amae-407	105	43	sense	sense	NOUN
amae-407	105	44	of	of	ADP
amae-407	105	45	being	be	AUX
amae-407	105	46	on	on	ADP
amae-407	105	47	his	his	PRON
amae-407	105	48	own	own	ADJ
amae-407	105	49	,	,	PUNCT
amae-407	105	50	adds	add	VERB
amae-407	105	51	:	:	PUNCT
amae-407	105	52	“	"	PUNCT
amae-407	105	53	the	the	DET
amae-407	105	54	only	only	ADJ
amae-407	105	55	information	information	NOUN
amae-407	105	56	i	i	PRON
amae-407	105	57	got	get	VERB
amae-407	105	58	i	i	PRON
amae-407	105	59	sought	seek	VERB
amae-407	105	60	out	out	ADP
amae-407	105	61	myself	myself	PRON
amae-407	105	62	.	.	PUNCT
amae-407	106	1	the	the	DET
amae-407	106	2	[	[	X
amae-407	106	3	institution	institution	NOUN
amae-407	106	4	]	]	PUNCT
amae-407	106	5	did	do	AUX
amae-407	106	6	“	"	PUNCT
amae-407	106	7	without	without	ADP
amae-407	106	8	them	they	PRON
amae-407	106	9	”	"	PUNCT
amae-407	106	10	association	association	NOUN
amae-407	106	11	of	of	ADP
amae-407	106	12	mexican	mexican	PROPN
amae-407	106	13	american	american	PROPN
amae-407	106	14	educators	educator	NOUN
amae-407	106	15	(	(	PUNCT
amae-407	106	16	amae	amae	NOUN
amae-407	106	17	)	)	PUNCT
amae-407	106	18	journal	journal	NOUN
amae-407	106	19	©	©	PROPN
amae-407	106	20	2020	2020	NUM
amae-407	106	21	,	,	PUNCT
amae-407	106	22	volume	volume	NOUN
amae-407	106	23	14	14	NUM
amae-407	106	24	,	,	PUNCT
amae-407	106	25	issue	issue	VERB
amae-407	106	26	3	3	NUM
amae-407	106	27	38	38	NUM
amae-407	106	28	not	not	PART
amae-407	106	29	support	support	VERB
amae-407	106	30	me	i	PRON
amae-407	106	31	in	in	ADP
amae-407	106	32	explaining	explain	VERB
amae-407	106	33	what	what	PRON
amae-407	106	34	student	student	NOUN
amae-407	106	35	loans	loan	NOUN
amae-407	106	36	are	be	AUX
amae-407	106	37	.	.	PUNCT
amae-407	106	38	”	"	PUNCT
amae-407	107	1	this	this	DET
amae-407	107	2	palpable	palpable	ADJ
amae-407	107	3	lack	lack	NOUN
amae-407	107	4	of	of	ADP
amae-407	107	5	information	information	NOUN
amae-407	107	6	that	that	PRON
amae-407	107	7	participants	participant	NOUN
amae-407	107	8	reported	report	VERB
amae-407	107	9	from	from	ADP
amae-407	107	10	their	their	PRON
amae-407	107	11	institution	institution	NOUN
amae-407	107	12	,	,	PUNCT
amae-407	107	13	an	an	DET
amae-407	107	14	hsi	hsi	PROPN
amae-407	107	15	,	,	PUNCT
amae-407	107	16	confirms	confirm	VERB
amae-407	107	17	the	the	DET
amae-407	107	18	work	work	NOUN
amae-407	107	19	still	still	ADV
amae-407	107	20	left	leave	VERB
amae-407	107	21	to	to	PART
amae-407	107	22	do	do	VERB
amae-407	107	23	at	at	ADP
amae-407	107	24	these	these	DET
amae-407	107	25	institutions	institution	NOUN
amae-407	107	26	and	and	CCONJ
amae-407	107	27	their	their	PRON
amae-407	107	28	capabilities	capability	NOUN
amae-407	107	29	to	to	PART
amae-407	107	30	serve	serve	VERB
amae-407	107	31	.	.	PUNCT
amae-407	108	1	rationale	rationale	NOUN
amae-407	108	2	for	for	ADP
amae-407	108	3	borrowing	borrow	VERB
amae-407	108	4	similar	similar	ADJ
amae-407	108	5	to	to	ADP
amae-407	108	6	other	other	ADJ
amae-407	108	7	research	research	NOUN
amae-407	108	8	,	,	PUNCT
amae-407	108	9	our	our	PRON
amae-407	108	10	participants	participant	NOUN
amae-407	108	11	rationalized	rationalize	VERB
amae-407	108	12	borrowing	borrowing	NOUN
amae-407	108	13	as	as	ADP
amae-407	108	14	a	a	DET
amae-407	108	15	necessary	necessary	ADJ
amae-407	108	16	means	mean	NOUN
amae-407	108	17	to	to	ADP
amae-407	108	18	an	an	DET
amae-407	108	19	end	end	NOUN
amae-407	108	20	for	for	ADP
amae-407	108	21	attaining	attain	VERB
amae-407	108	22	a	a	DET
amae-407	108	23	college	college	NOUN
amae-407	108	24	degree	degree	NOUN
amae-407	108	25	(	(	PUNCT
amae-407	108	26	norvilitis	norvilitis	PROPN
amae-407	108	27	&	&	CCONJ
amae-407	108	28	batt	batt	NOUN
amae-407	108	29	,	,	PUNCT
amae-407	108	30	2016	2016	NUM
amae-407	108	31	)	)	PUNCT
amae-407	108	32	.	.	PUNCT
amae-407	109	1	cristobal	cristobal	PROPN
amae-407	109	2	summarizes	summarize	VERB
amae-407	109	3	this	this	DET
amae-407	109	4	sentiment	sentiment	NOUN
amae-407	109	5	by	by	ADP
amae-407	109	6	saying	say	VERB
amae-407	109	7	:	:	PUNCT
amae-407	109	8	it	it	PRON
amae-407	109	9	kind	kind	ADV
amae-407	109	10	of	of	ADV
amae-407	109	11	sucks	suck	VERB
amae-407	109	12	that	that	PRON
amae-407	109	13	our	our	PRON
amae-407	109	14	system	system	NOUN
amae-407	109	15	is	be	AUX
amae-407	109	16	set	set	VERB
amae-407	109	17	up	up	ADP
amae-407	109	18	like	like	ADP
amae-407	109	19	this	this	PRON
amae-407	109	20	,	,	PUNCT
amae-407	109	21	but	but	CCONJ
amae-407	109	22	at	at	ADP
amae-407	109	23	the	the	DET
amae-407	109	24	same	same	ADJ
amae-407	109	25	time	time	NOUN
amae-407	109	26	,	,	PUNCT
amae-407	109	27	it	it	PRON
amae-407	109	28	's	be	AUX
amae-407	109	29	like	like	INTJ
amae-407	109	30	what	what	PRON
amae-407	109	31	are	be	AUX
amae-407	109	32	you	you	PRON
amae-407	109	33	going	go	VERB
amae-407	109	34	to	to	PART
amae-407	109	35	do	do	VERB
amae-407	109	36	?	?	PUNCT
amae-407	109	37	...	...	PUNCT
amae-407	110	1	but	but	CCONJ
amae-407	110	2	yeah	yeah	INTJ
amae-407	110	3	,	,	PUNCT
amae-407	110	4	it	it	PRON
amae-407	110	5	has	have	AUX
amae-407	110	6	very	very	ADV
amae-407	110	7	much	much	ADV
amae-407	110	8	so	so	ADV
amae-407	110	9	broadened	broaden	VERB
amae-407	110	10	my	my	PRON
amae-407	110	11	horizon	horizon	NOUN
amae-407	110	12	,	,	PUNCT
amae-407	110	13	so	so	SCONJ
amae-407	110	14	now	now	ADV
amae-407	110	15	i	i	PRON
amae-407	110	16	do	do	AUX
amae-407	110	17	n't	not	PART
amae-407	110	18	feel	feel	VERB
amae-407	110	19	bad	bad	ADJ
amae-407	110	20	because	because	SCONJ
amae-407	110	21	…	…	PUNCT
amae-407	110	22	student	student	NOUN
amae-407	110	23	loans	loan	NOUN
amae-407	110	24	have	have	AUX
amae-407	110	25	helped	help	VERB
amae-407	110	26	me	i	PRON
amae-407	110	27	get	get	VERB
amae-407	110	28	through	through	ADP
amae-407	110	29	college	college	NOUN
amae-407	110	30	.	.	PUNCT
amae-407	111	1	without	without	ADP
amae-407	111	2	them	they	PRON
amae-407	111	3	i	i	PRON
amae-407	111	4	could	could	AUX
amae-407	111	5	n't	not	PART
amae-407	111	6	pay	pay	VERB
amae-407	111	7	for	for	ADP
amae-407	111	8	my	my	PRON
amae-407	111	9	education	education	NOUN
amae-407	111	10	,	,	PUNCT
amae-407	111	11	so	so	CCONJ
amae-407	111	12	here	here	ADV
amae-407	111	13	i	i	PRON
amae-407	111	14	am	be	AUX
amae-407	111	15	.	.	PUNCT
amae-407	112	1	for	for	ADP
amae-407	112	2	this	this	DET
amae-407	112	3	reason	reason	NOUN
amae-407	112	4	,	,	PUNCT
amae-407	112	5	participants	participant	NOUN
amae-407	112	6	sought	seek	VERB
amae-407	112	7	out	out	ADP
amae-407	112	8	the	the	DET
amae-407	112	9	information	information	NOUN
amae-407	112	10	they	they	PRON
amae-407	112	11	needed	need	VERB
amae-407	112	12	,	,	PUNCT
amae-407	112	13	regardless	regardless	ADV
amae-407	112	14	if	if	SCONJ
amae-407	112	15	it	it	PRON
amae-407	112	16	came	come	VERB
amae-407	112	17	from	from	ADP
amae-407	112	18	the	the	DET
amae-407	112	19	institution	institution	NOUN
amae-407	112	20	or	or	CCONJ
amae-407	112	21	not	not	PART
amae-407	112	22	,	,	PUNCT
amae-407	112	23	and	and	CCONJ
amae-407	112	24	were	be	AUX
amae-407	112	25	committed	commit	VERB
amae-407	112	26	to	to	ADP
amae-407	112	27	borrowing	borrow	VERB
amae-407	112	28	.	.	PUNCT
amae-407	113	1	roberto	roberto	PROPN
amae-407	113	2	describes	describe	VERB
amae-407	113	3	how	how	SCONJ
amae-407	113	4	he	he	PRON
amae-407	113	5	gathered	gather	VERB
amae-407	113	6	information	information	NOUN
amae-407	113	7	from	from	ADP
amae-407	113	8	strangers	stranger	NOUN
amae-407	113	9	stating	state	VERB
amae-407	113	10	:	:	PUNCT
amae-407	113	11	“	"	PUNCT
amae-407	113	12	just	just	ADV
amae-407	113	13	from	from	ADP
amae-407	113	14	my	my	PRON
amae-407	113	15	talking	talk	VERB
amae-407	113	16	with	with	ADP
amae-407	113	17	random	random	ADJ
amae-407	113	18	people	people	NOUN
amae-407	113	19	,	,	PUNCT
amae-407	113	20	not	not	PART
amae-407	113	21	necessarily	necessarily	ADV
amae-407	113	22	to	to	PART
amae-407	113	23	educate	educate	VERB
amae-407	113	24	myself	myself	PRON
amae-407	113	25	,	,	PUNCT
amae-407	113	26	just	just	ADV
amae-407	113	27	from	from	ADP
amae-407	113	28	my	my	PRON
amae-407	113	29	coming	come	VERB
amae-407	113	30	up	up	ADP
amae-407	113	31	.	.	PUNCT
amae-407	114	1	i	i	PRON
amae-407	114	2	never	never	ADV
amae-407	114	3	had	have	VERB
amae-407	114	4	a	a	DET
amae-407	114	5	targeted	targeted	ADJ
amae-407	114	6	discussion	discussion	NOUN
amae-407	114	7	on	on	ADP
amae-407	114	8	that	that	DET
amae-407	114	9	beforehand	beforehand	ADV
amae-407	114	10	.	.	PUNCT
amae-407	115	1	it	it	PRON
amae-407	115	2	was	be	AUX
amae-407	115	3	just	just	ADV
amae-407	115	4	from	from	ADP
amae-407	115	5	what	what	PRON
amae-407	115	6	i	i	PRON
amae-407	115	7	heard	hear	VERB
amae-407	115	8	.	.	PUNCT
amae-407	115	9	”	"	PUNCT
amae-407	116	1	other	other	ADJ
amae-407	116	2	participants	participant	NOUN
amae-407	116	3	made	make	VERB
amae-407	116	4	financial	financial	ADJ
amae-407	116	5	decisions	decision	NOUN
amae-407	116	6	without	without	ADP
amae-407	116	7	fully	fully	ADV
amae-407	116	8	understanding	understand	VERB
amae-407	116	9	the	the	DET
amae-407	116	10	details	detail	NOUN
amae-407	116	11	of	of	ADP
amae-407	116	12	student	student	NOUN
amae-407	116	13	loan	loan	NOUN
amae-407	116	14	borrowing	borrowing	NOUN
amae-407	116	15	.	.	PUNCT
amae-407	117	1	for	for	ADP
amae-407	117	2	example	example	NOUN
amae-407	117	3	,	,	PUNCT
amae-407	117	4	on	on	ADP
amae-407	117	5	the	the	DET
amae-407	117	6	amount	amount	NOUN
amae-407	117	7	of	of	ADP
amae-407	117	8	loans	loan	NOUN
amae-407	117	9	to	to	PART
amae-407	117	10	accept	accept	VERB
amae-407	117	11	and	and	CCONJ
amae-407	117	12	take	take	VERB
amae-407	117	13	out	out	ADP
amae-407	117	14	,	,	PUNCT
amae-407	117	15	james	james	PROPN
amae-407	117	16	stated	state	VERB
amae-407	117	17	:	:	PUNCT
amae-407	117	18	“	"	PUNCT
amae-407	117	19	i	i	PRON
amae-407	117	20	actually	actually	ADV
amae-407	117	21	did	do	AUX
amae-407	117	22	n't	not	PART
amae-407	117	23	know	know	VERB
amae-407	117	24	that	that	SCONJ
amae-407	117	25	until	until	SCONJ
amae-407	117	26	this	this	DET
amae-407	117	27	semester	semester	NOUN
amae-407	117	28	that	that	SCONJ
amae-407	117	29	you	you	PRON
amae-407	117	30	did	do	AUX
amae-407	117	31	n't	not	PART
amae-407	117	32	have	have	VERB
amae-407	117	33	to	to	PART
amae-407	117	34	take	take	VERB
amae-407	117	35	out	out	ADP
amae-407	117	36	everything	everything	PRON
amae-407	117	37	.	.	PUNCT
amae-407	117	38	”	"	PUNCT
amae-407	118	1	interestingly	interestingly	ADV
amae-407	118	2	,	,	PUNCT
amae-407	118	3	several	several	ADJ
amae-407	118	4	of	of	ADP
amae-407	118	5	our	our	PRON
amae-407	118	6	study	study	NOUN
amae-407	118	7	participants	participant	NOUN
amae-407	118	8	acknowledged	acknowledge	VERB
amae-407	118	9	their	their	PRON
amae-407	118	10	lack	lack	NOUN
amae-407	118	11	of	of	ADP
amae-407	118	12	experience	experience	NOUN
amae-407	118	13	with	with	ADP
amae-407	118	14	managing	manage	VERB
amae-407	118	15	money	money	NOUN
amae-407	118	16	and	and	CCONJ
amae-407	118	17	the	the	DET
amae-407	118	18	intricacies	intricacy	NOUN
amae-407	118	19	involved	involve	VERB
amae-407	118	20	in	in	ADP
amae-407	118	21	borrowing	borrow	VERB
amae-407	118	22	loans	loan	NOUN
amae-407	118	23	(	(	PUNCT
amae-407	118	24	e.g.	e.g.	ADV
amae-407	118	25	,	,	PUNCT
amae-407	118	26	how	how	SCONJ
amae-407	118	27	credit	credit	NOUN
amae-407	118	28	and	and	CCONJ
amae-407	118	29	interest	interest	NOUN
amae-407	118	30	rates	rate	NOUN
amae-407	118	31	work	work	VERB
amae-407	118	32	)	)	PUNCT
amae-407	118	33	.	.	PUNCT
amae-407	119	1	james	james	PROPN
amae-407	119	2	continued	continue	VERB
amae-407	119	3	by	by	ADP
amae-407	119	4	sharing	share	VERB
amae-407	119	5	his	his	PRON
amae-407	119	6	willingness	willingness	NOUN
amae-407	119	7	to	to	PART
amae-407	119	8	borrow	borrow	VERB
amae-407	119	9	despite	despite	SCONJ
amae-407	119	10	having	have	VERB
amae-407	119	11	this	this	DET
amae-407	119	12	lack	lack	NOUN
amae-407	119	13	of	of	ADP
amae-407	119	14	financial	financial	ADJ
amae-407	119	15	literacy	literacy	NOUN
amae-407	119	16	:	:	PUNCT
amae-407	119	17	“	"	PUNCT
amae-407	119	18	i	i	PRON
amae-407	119	19	just	just	ADV
amae-407	119	20	kind	kind	ADV
amae-407	119	21	of	of	ADV
amae-407	119	22	just	just	ADV
amae-407	119	23	took	take	VERB
amae-407	119	24	them	they	PRON
amae-407	119	25	…	…	PUNCT
amae-407	119	26	even	even	ADV
amae-407	119	27	then	then	ADV
amae-407	119	28	,	,	PUNCT
amae-407	119	29	i	i	PRON
amae-407	119	30	did	do	AUX
amae-407	119	31	n't	not	PART
amae-407	119	32	even	even	ADV
amae-407	119	33	know	know	VERB
amae-407	119	34	about	about	ADP
amae-407	119	35	interest	interest	NOUN
amae-407	119	36	rates	rate	NOUN
amae-407	119	37	.	.	PUNCT
amae-407	119	38	”	"	PUNCT
amae-407	120	1	participants	participant	NOUN
amae-407	120	2	intentionally	intentionally	ADV
amae-407	120	3	sought	seek	VERB
amae-407	120	4	out	out	ADP
amae-407	120	5	information	information	NOUN
amae-407	120	6	and	and	CCONJ
amae-407	120	7	made	make	VERB
amae-407	120	8	conscious	conscious	ADJ
amae-407	120	9	decisions	decision	NOUN
amae-407	120	10	to	to	PART
amae-407	120	11	borrow	borrow	VERB
amae-407	120	12	with	with	ADP
amae-407	120	13	whatever	whatever	DET
amae-407	120	14	knowledge	knowledge	NOUN
amae-407	120	15	they	they	PRON
amae-407	120	16	could	could	AUX
amae-407	120	17	gather	gather	VERB
amae-407	120	18	in	in	ADP
amae-407	120	19	order	order	NOUN
amae-407	120	20	to	to	PART
amae-407	120	21	attain	attain	VERB
amae-407	120	22	their	their	PRON
amae-407	120	23	degrees	degree	NOUN
amae-407	120	24	.	.	PUNCT
amae-407	121	1	several	several	ADJ
amae-407	121	2	participants	participant	NOUN
amae-407	121	3	expressed	express	VERB
amae-407	121	4	borrowing	borrowing	NOUN
amae-407	121	5	as	as	ADP
amae-407	121	6	a	a	DET
amae-407	121	7	trade	trade	NOUN
amae-407	121	8	-	-	PUNCT
amae-407	121	9	off	off	NOUN
amae-407	121	10	,	,	PUNCT
amae-407	121	11	such	such	ADJ
amae-407	121	12	as	as	ADP
amae-407	121	13	cece	cece	PROPN
amae-407	121	14	when	when	SCONJ
amae-407	121	15	she	she	PRON
amae-407	121	16	states	state	VERB
amae-407	121	17	the	the	DET
amae-407	121	18	following	follow	VERB
amae-407	121	19	:	:	PUNCT
amae-407	121	20	carales	carale	NOUN
amae-407	121	21	,	,	PUNCT
amae-407	121	22	molina	molina	PROPN
amae-407	121	23	&	&	CCONJ
amae-407	121	24	hooker	hooker	PROPN
amae-407	121	25	association	association	PROPN
amae-407	121	26	of	of	ADP
amae-407	121	27	mexican	mexican	PROPN
amae-407	121	28	american	american	PROPN
amae-407	121	29	educators	educator	NOUN
amae-407	121	30	(	(	PUNCT
amae-407	121	31	amae	amae	NOUN
amae-407	121	32	)	)	PUNCT
amae-407	121	33	journal	journal	NOUN
amae-407	121	34	©	©	PROPN
amae-407	121	35	2020	2020	NUM
amae-407	121	36	,	,	PUNCT
amae-407	121	37	volume	volume	NOUN
amae-407	121	38	14	14	NUM
amae-407	121	39	,	,	PUNCT
amae-407	121	40	issue	issue	NOUN
amae-407	121	41	3	3	NUM
amae-407	121	42	39	39	NUM
amae-407	121	43	i	i	PRON
amae-407	121	44	did	do	AUX
amae-407	121	45	n't	not	PART
amae-407	121	46	go	go	VERB
amae-407	121	47	into	into	ADP
amae-407	121	48	it	it	PRON
amae-407	121	49	thinking	think	VERB
amae-407	121	50	that	that	SCONJ
amae-407	121	51	like	like	ADP
amae-407	121	52	it	it	PRON
amae-407	121	53	was	be	AUX
amae-407	121	54	free	free	ADJ
amae-407	121	55	money	money	NOUN
amae-407	121	56	or	or	CCONJ
amae-407	121	57	anything	anything	PRON
amae-407	121	58	like	like	ADP
amae-407	121	59	that	that	PRON
amae-407	121	60	.	.	PUNCT
amae-407	122	1	i	i	PRON
amae-407	122	2	'm	be	AUX
amae-407	122	3	very	very	ADV
amae-407	122	4	aware	aware	ADJ
amae-407	122	5	of	of	ADP
amae-407	122	6	interest	interest	NOUN
amae-407	122	7	rates	rate	NOUN
amae-407	122	8	,	,	PUNCT
amae-407	122	9	i	i	PRON
amae-407	122	10	'm	be	AUX
amae-407	122	11	very	very	ADV
amae-407	122	12	aware	aware	ADJ
amae-407	122	13	of	of	ADP
amae-407	122	14	what	what	PRON
amae-407	122	15	things	thing	NOUN
amae-407	122	16	cost	cost	VERB
amae-407	122	17	,	,	PUNCT
amae-407	122	18	and	and	CCONJ
amae-407	122	19	we	we	PRON
amae-407	122	20	definitely	definitely	ADV
amae-407	122	21	do	do	VERB
amae-407	122	22	the	the	DET
amae-407	122	23	trade	trade	NOUN
amae-407	122	24	-	-	PUNCT
amae-407	122	25	off	off	NOUN
amae-407	122	26	,	,	PUNCT
amae-407	122	27	right	right	ADJ
amae-407	122	28	?	?	PUNCT
amae-407	123	1	the	the	DET
amae-407	123	2	opportunity	opportunity	NOUN
amae-407	123	3	costs	cost	NOUN
amae-407	123	4	,	,	PUNCT
amae-407	123	5	what	what	PRON
amae-407	123	6	's	be	AUX
amae-407	123	7	going	go	VERB
amae-407	123	8	to	to	PART
amae-407	123	9	be	be	AUX
amae-407	123	10	worth	worth	ADJ
amae-407	123	11	for	for	ADP
amae-407	123	12	me	i	PRON
amae-407	123	13	now	now	ADV
amae-407	123	14	to	to	PART
amae-407	123	15	borrow	borrow	VERB
amae-407	123	16	this	this	DET
amae-407	123	17	money	money	NOUN
amae-407	123	18	versus	versus	ADP
amae-407	123	19	if	if	SCONJ
amae-407	123	20	i	i	PRON
amae-407	123	21	do	do	VERB
amae-407	123	22	n't	not	PART
amae-407	123	23	,	,	PUNCT
amae-407	123	24	and	and	CCONJ
amae-407	123	25	then	then	ADV
amae-407	123	26	i	i	PRON
amae-407	123	27	do	do	AUX
amae-407	123	28	n't	not	PART
amae-407	123	29	finish	finish	VERB
amae-407	123	30	this	this	DET
amae-407	123	31	degree	degree	NOUN
amae-407	123	32	,	,	PUNCT
amae-407	123	33	what	what	PRON
amae-407	123	34	am	be	AUX
amae-407	123	35	i	i	PRON
amae-407	123	36	not	not	PART
amae-407	123	37	getting	get	VERB
amae-407	123	38	in	in	ADP
amae-407	123	39	return	return	NOUN
amae-407	123	40	?	?	PUNCT
amae-407	124	1	it	it	PRON
amae-407	124	2	made	make	VERB
amae-407	124	3	sense	sense	NOUN
amae-407	124	4	to	to	PART
amae-407	124	5	do	do	VERB
amae-407	124	6	it	it	PRON
amae-407	124	7	.	.	PUNCT
amae-407	125	1	the	the	DET
amae-407	125	2	rationale	rationale	NOUN
amae-407	125	3	to	to	PART
amae-407	125	4	borrow	borrow	VERB
amae-407	125	5	came	come	VERB
amae-407	125	6	with	with	ADP
amae-407	125	7	an	an	DET
amae-407	125	8	understanding	understanding	NOUN
amae-407	125	9	of	of	ADP
amae-407	125	10	the	the	DET
amae-407	125	11	eventual	eventual	ADJ
amae-407	125	12	payoff	payoff	NOUN
amae-407	125	13	from	from	ADP
amae-407	125	14	obtaining	obtain	VERB
amae-407	125	15	a	a	DET
amae-407	125	16	degree	degree	NOUN
amae-407	125	17	.	.	PUNCT
amae-407	126	1	cece	cece	PROPN
amae-407	126	2	,	,	PUNCT
amae-407	126	3	who	who	PRON
amae-407	126	4	may	may	AUX
amae-407	126	5	have	have	AUX
amae-407	126	6	had	have	VERB
amae-407	126	7	an	an	DET
amae-407	126	8	advantage	advantage	NOUN
amae-407	126	9	in	in	ADP
amae-407	126	10	understanding	understand	VERB
amae-407	126	11	the	the	DET
amae-407	126	12	intricate	intricate	ADJ
amae-407	126	13	details	detail	NOUN
amae-407	126	14	of	of	ADP
amae-407	126	15	personal	personal	ADJ
amae-407	126	16	borrowing	borrowing	NOUN
amae-407	126	17	as	as	ADP
amae-407	126	18	a	a	DET
amae-407	126	19	business	business	NOUN
amae-407	126	20	marketing	marketing	NOUN
amae-407	126	21	major	major	NOUN
amae-407	126	22	,	,	PUNCT
amae-407	126	23	articulated	articulate	VERB
amae-407	126	24	this	this	DET
amae-407	126	25	awareness	awareness	NOUN
amae-407	126	26	of	of	ADP
amae-407	126	27	her	her	PRON
amae-407	126	28	debt	debt	NOUN
amae-407	126	29	obligations	obligation	NOUN
amae-407	126	30	,	,	PUNCT
amae-407	126	31	as	as	SCONJ
amae-407	126	32	did	do	VERB
amae-407	126	33	many	many	ADJ
amae-407	126	34	of	of	ADP
amae-407	126	35	our	our	PRON
amae-407	126	36	other	other	ADJ
amae-407	126	37	participants	participant	NOUN
amae-407	126	38	,	,	PUNCT
amae-407	126	39	which	which	PRON
amae-407	126	40	is	be	AUX
amae-407	126	41	contrary	contrary	ADJ
amae-407	126	42	to	to	ADP
amae-407	126	43	findings	finding	NOUN
amae-407	126	44	that	that	PRON
amae-407	126	45	reported	report	VERB
amae-407	126	46	students	student	NOUN
amae-407	126	47	having	have	VERB
amae-407	126	48	a	a	DET
amae-407	126	49	limited	limited	ADJ
amae-407	126	50	understanding	understanding	NOUN
amae-407	126	51	of	of	ADP
amae-407	126	52	their	their	PRON
amae-407	126	53	loans	loan	NOUN
amae-407	126	54	(	(	PUNCT
amae-407	126	55	akers	akers	PROPN
amae-407	126	56	&	&	CCONJ
amae-407	126	57	chingos	chingos	PROPN
amae-407	126	58	,	,	PUNCT
amae-407	126	59	2014	2014	NUM
amae-407	126	60	;	;	PUNCT
amae-407	126	61	johnson	johnson	PROPN
amae-407	126	62	et	et	PROPN
amae-407	126	63	al	al	PROPN
amae-407	126	64	.	.	PROPN
amae-407	126	65	,	,	PUNCT
amae-407	126	66	2016	2016	NUM
amae-407	126	67	)	)	PUNCT
amae-407	126	68	.	.	PUNCT
amae-407	127	1	roberto	roberto	PROPN
amae-407	127	2	demonstrates	demonstrate	VERB
amae-407	127	3	this	this	PRON
amae-407	127	4	by	by	ADP
amae-407	127	5	explaining	explain	VERB
amae-407	127	6	why	why	SCONJ
amae-407	127	7	he	he	PRON
amae-407	127	8	borrowed	borrow	VERB
amae-407	127	9	in	in	ADP
amae-407	127	10	the	the	DET
amae-407	127	11	following	follow	VERB
amae-407	127	12	quote	quote	NOUN
amae-407	127	13	:	:	PUNCT
amae-407	127	14	“	"	PUNCT
amae-407	127	15	i	i	PRON
amae-407	127	16	had	have	AUX
amae-407	127	17	already	already	ADV
amae-407	127	18	heard	hear	VERB
amae-407	127	19	they	they	PRON
amae-407	127	20	would	would	AUX
amae-407	127	21	give	give	VERB
amae-407	127	22	me	i	PRON
amae-407	127	23	about	about	ADP
amae-407	127	24	six	six	NUM
amae-407	127	25	months	month	NOUN
amae-407	127	26	until	until	ADP
amae-407	127	27	after	after	SCONJ
amae-407	127	28	i	i	PRON
amae-407	127	29	graduate	graduate	VERB
amae-407	127	30	to	to	PART
amae-407	127	31	start	start	VERB
amae-407	127	32	paying	pay	VERB
amae-407	127	33	back	back	ADV
amae-407	127	34	,	,	PUNCT
amae-407	127	35	and	and	CCONJ
amae-407	127	36	i	i	PRON
amae-407	127	37	figured	figure	VERB
amae-407	127	38	it	it	PRON
amae-407	127	39	's	be	AUX
amae-407	127	40	an	an	DET
amae-407	127	41	investment	investment	NOUN
amae-407	127	42	…	…	PUNCT
amae-407	127	43	i	i	PRON
amae-407	127	44	'm	be	AUX
amae-407	127	45	investing	invest	VERB
amae-407	127	46	in	in	ADP
amae-407	127	47	my	my	PRON
amae-407	127	48	career	career	NOUN
amae-407	127	49	.	.	PUNCT
amae-407	127	50	”	"	PUNCT
amae-407	128	1	marissa	marissa	PROPN
amae-407	128	2	also	also	ADV
amae-407	128	3	saw	see	VERB
amae-407	128	4	borrowing	borrowing	NOUN
amae-407	128	5	as	as	ADP
amae-407	128	6	an	an	DET
amae-407	128	7	investment	investment	NOUN
amae-407	128	8	in	in	ADP
amae-407	128	9	articulating	articulate	VERB
amae-407	128	10	her	her	PRON
amae-407	128	11	ambitious	ambitious	ADJ
amae-407	128	12	payoff	payoff	NOUN
amae-407	128	13	plans	plan	NOUN
amae-407	128	14	,	,	PUNCT
amae-407	128	15	stating	state	VERB
amae-407	128	16	:	:	PUNCT
amae-407	128	17	i	i	PRON
amae-407	128	18	feel	feel	VERB
amae-407	128	19	that	that	SCONJ
amae-407	128	20	i	i	PRON
amae-407	128	21	will	will	AUX
amae-407	128	22	be	be	AUX
amae-407	128	23	able	able	ADJ
amae-407	128	24	to	to	PART
amae-407	128	25	recoup	recoup	VERB
amae-407	128	26	the	the	DET
amae-407	128	27	investment	investment	NOUN
amae-407	128	28	i	i	PRON
amae-407	128	29	have	have	AUX
amae-407	128	30	made	make	VERB
amae-407	128	31	within	within	ADP
amae-407	128	32	probably	probably	ADV
amae-407	128	33	a	a	DET
amae-407	128	34	couple	couple	NOUN
amae-407	128	35	of	of	ADP
amae-407	128	36	years	year	NOUN
amae-407	128	37	,	,	PUNCT
amae-407	128	38	i	i	PRON
amae-407	128	39	should	should	AUX
amae-407	128	40	be	be	AUX
amae-407	128	41	able	able	ADJ
amae-407	128	42	to	to	PART
amae-407	128	43	pay	pay	VERB
amae-407	128	44	it	it	PRON
amae-407	128	45	off	off	ADP
amae-407	128	46	…	…	PUNCT
amae-407	128	47	but	but	CCONJ
amae-407	128	48	,	,	PUNCT
amae-407	128	49	even	even	ADV
amae-407	128	50	if	if	SCONJ
amae-407	128	51	i	i	PRON
amae-407	128	52	had	have	AUX
amae-407	128	53	not	not	PART
amae-407	128	54	chosen	choose	VERB
amae-407	128	55	a	a	DET
amae-407	128	56	lucrative	lucrative	ADJ
amae-407	128	57	field	field	NOUN
amae-407	128	58	,	,	PUNCT
amae-407	128	59	even	even	ADV
amae-407	128	60	if	if	SCONJ
amae-407	128	61	it	it	PRON
amae-407	128	62	were	be	AUX
amae-407	128	63	to	to	PART
amae-407	128	64	take	take	VERB
amae-407	128	65	me	i	PRON
amae-407	128	66	15	15	NUM
amae-407	128	67	years	year	NOUN
amae-407	128	68	to	to	PART
amae-407	128	69	pay	pay	VERB
amae-407	128	70	it	it	PRON
amae-407	128	71	back	back	ADP
amae-407	128	72	,	,	PUNCT
amae-407	128	73	my	my	PRON
amae-407	128	74	desire	desire	NOUN
amae-407	128	75	for	for	ADP
amae-407	128	76	a	a	DET
amae-407	128	77	degree	degree	NOUN
amae-407	128	78	is	be	AUX
amae-407	128	79	so	so	ADV
amae-407	128	80	strong	strong	ADJ
amae-407	128	81	,	,	PUNCT
amae-407	128	82	i	i	PRON
amae-407	128	83	would	would	AUX
amae-407	128	84	've	've	AUX
amae-407	128	85	done	do	VERB
amae-407	128	86	it	it	PRON
amae-407	128	87	no	no	ADV
amae-407	128	88	matter	matter	ADV
amae-407	128	89	what	what	PRON
amae-407	128	90	.	.	PUNCT
amae-407	129	1	similarly	similarly	ADV
amae-407	129	2	,	,	PUNCT
amae-407	129	3	giselle	giselle	PROPN
amae-407	129	4	said	say	VERB
amae-407	129	5	,	,	PUNCT
amae-407	129	6	“	"	PUNCT
amae-407	129	7	i	i	PRON
amae-407	129	8	'm	be	AUX
amae-407	129	9	going	go	VERB
amae-407	129	10	to	to	PART
amae-407	129	11	pay	pay	VERB
amae-407	129	12	it	it	PRON
amae-407	129	13	off	off	ADP
amae-407	129	14	and	and	CCONJ
amae-407	129	15	i	i	PRON
amae-407	129	16	'm	be	AUX
amae-407	129	17	going	go	VERB
amae-407	129	18	to	to	PART
amae-407	129	19	do	do	VERB
amae-407	129	20	well	well	ADV
amae-407	129	21	and	and	CCONJ
amae-407	129	22	this	this	PRON
amae-407	129	23	is	be	AUX
amae-407	129	24	why	why	SCONJ
amae-407	129	25	i	i	PRON
amae-407	129	26	'm	be	AUX
amae-407	129	27	giving	give	VERB
amae-407	129	28	it	it	PRON
amae-407	129	29	my	my	PRON
amae-407	129	30	all	all	PRON
amae-407	129	31	.	.	PUNCT
amae-407	130	1	it	it	PRON
amae-407	130	2	's	be	AUX
amae-407	130	3	an	an	DET
amae-407	130	4	investment	investment	NOUN
amae-407	130	5	.	.	PUNCT
amae-407	130	6	”	"	PUNCT
amae-407	131	1	these	these	DET
amae-407	131	2	quotes	quote	VERB
amae-407	131	3	underscore	underscore	VERB
amae-407	131	4	how	how	SCONJ
amae-407	131	5	confident	confident	ADJ
amae-407	131	6	students	student	NOUN
amae-407	131	7	were	be	AUX
amae-407	131	8	in	in	ADP
amae-407	131	9	their	their	PRON
amae-407	131	10	ability	ability	NOUN
amae-407	131	11	to	to	PART
amae-407	131	12	repay	repay	VERB
amae-407	131	13	their	their	PRON
amae-407	131	14	debt	debt	NOUN
amae-407	131	15	,	,	PUNCT
amae-407	131	16	perceiving	perceive	VERB
amae-407	131	17	it	it	PRON
amae-407	131	18	as	as	ADP
amae-407	131	19	an	an	DET
amae-407	131	20	investment	investment	NOUN
amae-407	131	21	in	in	ADP
amae-407	131	22	their	their	PRON
amae-407	131	23	future	future	NOUN
amae-407	131	24	.	.	PUNCT
amae-407	132	1	similar	similar	ADJ
amae-407	132	2	to	to	ADP
amae-407	132	3	other	other	ADJ
amae-407	132	4	findings	finding	NOUN
amae-407	132	5	,	,	PUNCT
amae-407	132	6	they	they	PRON
amae-407	132	7	were	be	AUX
amae-407	132	8	enthusiastic	enthusiastic	ADJ
amae-407	132	9	,	,	PUNCT
amae-407	132	10	amid	amid	ADP
amae-407	132	11	having	have	VERB
amae-407	132	12	to	to	PART
amae-407	132	13	borrow	borrow	VERB
amae-407	132	14	loans	loan	NOUN
amae-407	132	15	,	,	PUNCT
amae-407	132	16	towards	towards	ADP
amae-407	132	17	wanting	want	VERB
amae-407	132	18	to	to	PART
amae-407	132	19	complete	complete	VERB
amae-407	132	20	their	their	PRON
amae-407	132	21	degrees	degree	NOUN
amae-407	132	22	(	(	PUNCT
amae-407	132	23	barnard	barnard	PROPN
amae-407	132	24	et	et	PROPN
amae-407	132	25	al	al	PROPN
amae-407	132	26	.	.	PROPN
amae-407	132	27	,	,	PUNCT
amae-407	132	28	2018	2018	NUM
amae-407	132	29	)	)	PUNCT
amae-407	132	30	.	.	PUNCT
amae-407	133	1	the	the	DET
amae-407	133	2	burden	burden	NOUN
amae-407	133	3	of	of	ADP
amae-407	133	4	debt	debt	NOUN
amae-407	133	5	despite	despite	SCONJ
amae-407	133	6	the	the	DET
amae-407	133	7	positive	positive	ADJ
amae-407	133	8	outlook	outlook	NOUN
amae-407	133	9	on	on	ADP
amae-407	133	10	debt	debt	NOUN
amae-407	133	11	for	for	ADP
amae-407	133	12	most	most	ADJ
amae-407	133	13	of	of	ADP
amae-407	133	14	our	our	PRON
amae-407	133	15	participants	participant	NOUN
amae-407	133	16	,	,	PUNCT
amae-407	133	17	some	some	PRON
amae-407	133	18	expressed	express	VERB
amae-407	133	19	feelings	feeling	NOUN
amae-407	133	20	of	of	ADP
amae-407	133	21	vulnerability	vulnerability	NOUN
amae-407	133	22	,	,	PUNCT
amae-407	133	23	and	and	CCONJ
amae-407	133	24	perceived	perceive	VERB
amae-407	133	25	their	their	PRON
amae-407	133	26	loan	loan	NOUN
amae-407	133	27	debt	debt	NOUN
amae-407	133	28	as	as	ADP
amae-407	133	29	a	a	DET
amae-407	133	30	burden	burden	NOUN
amae-407	133	31	.	.	PUNCT
amae-407	134	1	study	study	NOUN
amae-407	134	2	participants	participant	NOUN
amae-407	134	3	allude	allude	VERB
amae-407	134	4	to	to	ADP
amae-407	134	5	understanding	understand	VERB
amae-407	134	6	the	the	DET
amae-407	134	7	lengthy	lengthy	ADJ
amae-407	134	8	process	process	NOUN
amae-407	134	9	that	that	DET
amae-407	134	10	repayment	repayment	NOUN
amae-407	134	11	could	could	AUX
amae-407	134	12	be	be	AUX
amae-407	134	13	.	.	PUNCT
amae-407	135	1	this	this	PRON
amae-407	135	2	was	be	AUX
amae-407	135	3	evident	evident	ADJ
amae-407	135	4	in	in	ADP
amae-407	135	5	doug	doug	NOUN
amae-407	135	6	stating	state	VERB
amae-407	135	7	:	:	PUNCT
amae-407	135	8	“	"	PUNCT
amae-407	135	9	it	it	PRON
amae-407	135	10	's	be	AUX
amae-407	135	11	a	a	DET
amae-407	135	12	lot	lot	NOUN
amae-407	135	13	of	of	ADP
amae-407	135	14	money	money	NOUN
amae-407	135	15	so	so	SCONJ
amae-407	135	16	it	it	PRON
amae-407	135	17	's	be	AUX
amae-407	135	18	going	go	VERB
amae-407	135	19	to	to	PART
amae-407	135	20	take	take	VERB
amae-407	135	21	a	a	DET
amae-407	135	22	lot	lot	NOUN
amae-407	135	23	of	of	ADP
amae-407	135	24	commitment	commitment	NOUN
amae-407	135	25	and	and	CCONJ
amae-407	135	26	resources	resource	NOUN
amae-407	135	27	to	to	PART
amae-407	135	28	chip	chip	VERB
amae-407	135	29	away	away	ADV
amae-407	135	30	at	at	ADP
amae-407	135	31	.	.	PUNCT
amae-407	135	32	”	"	PUNCT
amae-407	136	1	cece	cece	PROPN
amae-407	136	2	went	go	VERB
amae-407	136	3	as	as	ADV
amae-407	136	4	far	far	ADV
amae-407	136	5	as	as	ADP
amae-407	136	6	exclaiming	exclaim	VERB
amae-407	136	7	that	that	SCONJ
amae-407	136	8	she	she	PRON
amae-407	136	9	wo	will	AUX
amae-407	136	10	n’t	not	PART
amae-407	136	11	view	view	VERB
amae-407	136	12	money	money	NOUN
amae-407	136	13	as	as	ADP
amae-407	136	14	her	her	PRON
amae-407	136	15	own	own	ADJ
amae-407	136	16	“	"	PUNCT
amae-407	136	17	until	until	SCONJ
amae-407	136	18	[	[	X
amae-407	136	19	she	she	PRON
amae-407	136	20	]	]	PUNCT
amae-407	136	21	can	can	AUX
amae-407	136	22	live	live	VERB
amae-407	136	23	debt	debt	NOUN
amae-407	136	24	“	"	PUNCT
amae-407	136	25	without	without	ADP
amae-407	136	26	them	they	PRON
amae-407	136	27	”	"	PUNCT
amae-407	136	28	association	association	NOUN
amae-407	136	29	of	of	ADP
amae-407	136	30	mexican	mexican	PROPN
amae-407	136	31	american	american	PROPN
amae-407	136	32	educators	educator	NOUN
amae-407	136	33	(	(	PUNCT
amae-407	136	34	amae	amae	NOUN
amae-407	136	35	)	)	PUNCT
amae-407	136	36	journal	journal	NOUN
amae-407	136	37	©	©	PROPN
amae-407	136	38	2020	2020	NUM
amae-407	136	39	,	,	PUNCT
amae-407	136	40	volume	volume	NOUN
amae-407	136	41	14	14	NUM
amae-407	136	42	,	,	PUNCT
amae-407	136	43	issue	issue	VERB
amae-407	136	44	3	3	NUM
amae-407	136	45	40	40	NUM
amae-407	136	46	free	free	ADJ
amae-407	136	47	”	"	PUNCT
amae-407	136	48	.	.	PUNCT
amae-407	137	1	other	other	ADJ
amae-407	137	2	participants	participant	NOUN
amae-407	137	3	stated	state	VERB
amae-407	137	4	opinions	opinion	NOUN
amae-407	137	5	on	on	ADP
amae-407	137	6	repayment	repayment	NOUN
amae-407	137	7	duration	duration	NOUN
amae-407	137	8	based	base	VERB
amae-407	137	9	on	on	ADP
amae-407	137	10	various	various	ADJ
amae-407	137	11	scenarios	scenario	NOUN
amae-407	137	12	,	,	PUNCT
amae-407	137	13	such	such	ADJ
amae-407	137	14	as	as	ADP
amae-407	137	15	which	which	PRON
amae-407	137	16	career	career	NOUN
amae-407	137	17	opportunities	opportunity	NOUN
amae-407	137	18	to	to	PART
amae-407	137	19	prioritize	prioritize	VERB
amae-407	137	20	,	,	PUNCT
amae-407	137	21	or	or	CCONJ
amae-407	137	22	how	how	SCONJ
amae-407	137	23	much	much	ADV
amae-407	137	24	they	they	PRON
amae-407	137	25	can	can	AUX
amae-407	137	26	hypothetically	hypothetically	ADV
amae-407	137	27	pay	pay	VERB
amae-407	137	28	each	each	DET
amae-407	137	29	month	month	NOUN
amae-407	137	30	.	.	PUNCT
amae-407	138	1	while	while	SCONJ
amae-407	138	2	roberto	roberto	PROPN
amae-407	138	3	says	say	VERB
amae-407	138	4	that	that	SCONJ
amae-407	138	5	he	he	PRON
amae-407	138	6	could	could	AUX
amae-407	138	7	payoff	payoff	VERB
amae-407	138	8	his	his	PRON
amae-407	138	9	loans	loan	NOUN
amae-407	138	10	“	"	PUNCT
amae-407	138	11	in	in	ADP
amae-407	138	12	like	like	INTJ
amae-407	138	13	a	a	DET
amae-407	138	14	year	year	NOUN
amae-407	138	15	or	or	CCONJ
amae-407	138	16	two	two	NUM
amae-407	138	17	”	"	PUNCT
amae-407	138	18	,	,	PUNCT
amae-407	138	19	christopher	christopher	PROPN
amae-407	138	20	states	states	PROPN
amae-407	138	21	:	:	PUNCT
amae-407	138	22	“	"	PUNCT
amae-407	138	23	i	i	PRON
amae-407	138	24	think	think	VERB
amae-407	138	25	i	i	PRON
amae-407	138	26	have	have	VERB
amae-407	138	27	a	a	DET
amae-407	138	28	five	five	NUM
amae-407	138	29	-	-	PUNCT
amae-407	138	30	year	year	NOUN
amae-407	138	31	plan	plan	NOUN
amae-407	139	1	but	but	CCONJ
amae-407	139	2	i	i	PRON
amae-407	139	3	think	think	VERB
amae-407	139	4	long	long	ADJ
amae-407	139	5	term	term	NOUN
amae-407	139	6	i	i	PRON
amae-407	139	7	’m	’m	VERB
amae-407	139	8	still	still	ADV
amae-407	139	9	unsure	unsure	ADJ
amae-407	139	10	.	.	PUNCT
amae-407	140	1	i	i	PRON
amae-407	140	2	’m	’m	AUX
amae-407	140	3	torn	tear	VERB
amae-407	140	4	between	between	ADP
amae-407	140	5	a	a	DET
amae-407	140	6	few	few	ADJ
amae-407	140	7	paths	path	NOUN
amae-407	140	8	.	.	PUNCT
amae-407	140	9	”	"	PUNCT
amae-407	141	1	lisa	lisa	PROPN
amae-407	141	2	also	also	ADV
amae-407	141	3	presented	present	VERB
amae-407	141	4	thoughts	thought	NOUN
amae-407	141	5	on	on	ADP
amae-407	141	6	uncertain	uncertain	ADJ
amae-407	141	7	timeline	timeline	NOUN
amae-407	141	8	,	,	PUNCT
amae-407	141	9	sharing	share	VERB
amae-407	141	10	:	:	PUNCT
amae-407	141	11	“	"	PUNCT
amae-407	141	12	initially	initially	ADV
amae-407	141	13	,	,	PUNCT
amae-407	141	14	i	i	PRON
amae-407	141	15	was	be	AUX
amae-407	141	16	hoping	hope	VERB
amae-407	141	17	for	for	ADP
amae-407	141	18	a	a	DET
amae-407	141	19	two	two	NUM
amae-407	141	20	-	-	PUNCT
amae-407	141	21	year	year	NOUN
amae-407	141	22	loan	loan	NOUN
amae-407	141	23	repayment	repayment	NOUN
amae-407	141	24	,	,	PUNCT
amae-407	141	25	now	now	ADV
amae-407	141	26	i	i	PRON
amae-407	141	27	'm	be	AUX
amae-407	141	28	looking	look	VERB
amae-407	141	29	at	at	ADP
amae-407	141	30	three	three	NUM
amae-407	141	31	to	to	PART
amae-407	141	32	four	four	NUM
amae-407	141	33	…	…	PUNCT
amae-407	141	34	and	and	CCONJ
amae-407	141	35	so	so	ADV
amae-407	141	36	we	we	PRON
amae-407	141	37	have	have	AUX
amae-407	141	38	been	be	AUX
amae-407	141	39	wondering	wonder	VERB
amae-407	141	40	if	if	SCONJ
amae-407	141	41	we	we	PRON
amae-407	141	42	need	need	VERB
amae-407	141	43	to	to	PART
amae-407	141	44	push	push	VERB
amae-407	141	45	that	that	DET
amae-407	141	46	goal	goal	NOUN
amae-407	141	47	from	from	ADP
amae-407	141	48	five	five	NUM
amae-407	141	49	years	year	NOUN
amae-407	141	50	to	to	ADP
amae-407	141	51	seven	seven	NUM
amae-407	141	52	years	year	NOUN
amae-407	141	53	.	.	PUNCT
amae-407	141	54	”	"	PUNCT
amae-407	142	1	participants	participant	NOUN
amae-407	142	2	described	describe	VERB
amae-407	142	3	the	the	DET
amae-407	142	4	necessity	necessity	NOUN
amae-407	142	5	of	of	ADP
amae-407	142	6	obtaining	obtain	VERB
amae-407	142	7	a	a	DET
amae-407	142	8	well	well	ADV
amae-407	142	9	-	-	PUNCT
amae-407	142	10	paying	pay	VERB
amae-407	142	11	job	job	NOUN
amae-407	142	12	,	,	PUNCT
amae-407	142	13	regardless	regardless	ADV
amae-407	142	14	if	if	SCONJ
amae-407	142	15	it	it	PRON
amae-407	142	16	matched	match	VERB
amae-407	142	17	their	their	PRON
amae-407	142	18	major	major	NOUN
amae-407	142	19	,	,	PUNCT
amae-407	142	20	while	while	SCONJ
amae-407	142	21	others	other	NOUN
amae-407	142	22	contemplated	contemplate	VERB
amae-407	142	23	joining	join	VERB
amae-407	142	24	the	the	DET
amae-407	142	25	peace	peace	NOUN
amae-407	142	26	corps	corps	NOUN
amae-407	142	27	as	as	ADP
amae-407	142	28	a	a	DET
amae-407	142	29	way	way	NOUN
amae-407	142	30	to	to	PART
amae-407	142	31	reduce	reduce	VERB
amae-407	142	32	their	their	PRON
amae-407	142	33	debt	debt	NOUN
amae-407	142	34	.	.	PUNCT
amae-407	143	1	others	other	NOUN
amae-407	143	2	shared	share	VERB
amae-407	143	3	how	how	SCONJ
amae-407	143	4	their	their	PRON
amae-407	143	5	debt	debt	NOUN
amae-407	143	6	led	lead	VERB
amae-407	143	7	to	to	ADP
amae-407	143	8	contingency	contingency	NOUN
amae-407	143	9	plans	plan	NOUN
amae-407	143	10	for	for	ADP
amae-407	143	11	graduate	graduate	ADJ
amae-407	143	12	school	school	NOUN
amae-407	143	13	.	.	PUNCT
amae-407	144	1	this	this	PRON
amae-407	144	2	aligns	align	VERB
amae-407	144	3	with	with	ADP
amae-407	144	4	research	research	NOUN
amae-407	144	5	showing	show	VERB
amae-407	144	6	how	how	SCONJ
amae-407	144	7	students	student	NOUN
amae-407	144	8	are	be	AUX
amae-407	144	9	more	more	ADV
amae-407	144	10	reluctant	reluctant	ADJ
amae-407	144	11	to	to	PART
amae-407	144	12	pursue	pursue	VERB
amae-407	144	13	graduate	graduate	NOUN
amae-407	144	14	school	school	NOUN
amae-407	144	15	because	because	SCONJ
amae-407	144	16	of	of	ADP
amae-407	144	17	not	not	PART
amae-407	144	18	wanting	want	VERB
amae-407	144	19	to	to	PART
amae-407	144	20	take	take	VERB
amae-407	144	21	on	on	ADP
amae-407	144	22	more	more	ADJ
amae-407	144	23	debt	debt	NOUN
amae-407	144	24	(	(	PUNCT
amae-407	144	25	zerquera	zerquera	NOUN
amae-407	144	26	et	et	PROPN
amae-407	144	27	al	al	PROPN
amae-407	144	28	.	.	PROPN
amae-407	144	29	,	,	PUNCT
amae-407	144	30	2017	2017	NUM
amae-407	144	31	)	)	PUNCT
amae-407	144	32	.	.	PUNCT
amae-407	145	1	patty	patty	PROPN
amae-407	145	2	described	describe	VERB
amae-407	145	3	this	this	DET
amae-407	145	4	burden	burden	NOUN
amae-407	145	5	when	when	SCONJ
amae-407	145	6	she	she	PRON
amae-407	145	7	stated	state	VERB
amae-407	145	8	:	:	PUNCT
amae-407	145	9	before	before	ADP
amae-407	145	10	graduating	graduate	VERB
amae-407	145	11	my	my	PRON
amae-407	145	12	priority	priority	NOUN
amae-407	145	13	was	be	AUX
amae-407	145	14	grad	grad	ADJ
amae-407	145	15	school	school	NOUN
amae-407	145	16	,	,	PUNCT
amae-407	145	17	and	and	CCONJ
amae-407	145	18	now	now	ADV
amae-407	145	19	my	my	PRON
amae-407	145	20	priority	priority	NOUN
amae-407	145	21	is	be	AUX
amae-407	145	22	looking	look	VERB
amae-407	145	23	for	for	ADP
amae-407	145	24	work	work	NOUN
amae-407	145	25	.	.	PUNCT
amae-407	146	1	so	so	ADV
amae-407	146	2	that	that	DET
amae-407	146	3	kind	kind	NOUN
amae-407	146	4	of	of	ADP
amae-407	146	5	did	do	AUX
amae-407	146	6	change	change	VERB
amae-407	146	7	.	.	PUNCT
amae-407	147	1	i	i	PRON
amae-407	147	2	was	be	AUX
amae-407	147	3	n't	not	PART
amae-407	147	4	...	...	PUNCT
amae-407	148	1	it	it	PRON
amae-407	148	2	did	do	AUX
amae-407	148	3	n't	not	PART
amae-407	148	4	really	really	ADV
amae-407	148	5	hit	hit	VERB
amae-407	148	6	me	i	PRON
amae-407	148	7	that	that	SCONJ
amae-407	148	8	i	i	PRON
amae-407	148	9	was	be	AUX
amae-407	148	10	going	go	VERB
amae-407	148	11	to	to	PART
amae-407	148	12	be	be	AUX
amae-407	148	13	like	like	ADP
amae-407	148	14	,	,	PUNCT
amae-407	148	15	"	"	PUNCT
amae-407	148	16	i	i	PRON
amae-407	148	17	need	need	VERB
amae-407	148	18	to	to	PART
amae-407	148	19	look	look	VERB
amae-407	148	20	for	for	ADP
amae-407	148	21	a	a	DET
amae-407	148	22	job	job	NOUN
amae-407	148	23	.	.	PUNCT
amae-407	148	24	"	"	PUNCT
amae-407	149	1	but	but	CCONJ
amae-407	149	2	now	now	ADV
amae-407	149	3	that	that	SCONJ
amae-407	149	4	i	i	PRON
amae-407	149	5	did	do	AUX
amae-407	149	6	graduate	graduate	VERB
amae-407	149	7	,	,	PUNCT
amae-407	149	8	yeah	yeah	INTJ
amae-407	149	9	,	,	PUNCT
amae-407	149	10	it	it	PRON
amae-407	149	11	has	have	AUX
amae-407	149	12	sunk	sink	VERB
amae-407	149	13	into	into	ADP
amae-407	149	14	me	i	PRON
amae-407	149	15	that	that	SCONJ
amae-407	149	16	i	i	PRON
amae-407	149	17	need	need	VERB
amae-407	149	18	to	to	PART
amae-407	149	19	put	put	VERB
amae-407	149	20	aside	aside	ADV
amae-407	149	21	grad	grad	ADJ
amae-407	149	22	school	school	NOUN
amae-407	149	23	and	and	CCONJ
amae-407	149	24	look	look	VERB
amae-407	149	25	for	for	ADP
amae-407	149	26	a	a	DET
amae-407	149	27	job	job	NOUN
amae-407	149	28	right	right	ADV
amae-407	149	29	now	now	ADV
amae-407	149	30	.	.	PUNCT
amae-407	150	1	christopher	christopher	PROPN
amae-407	150	2	shared	share	VERB
amae-407	150	3	this	this	DET
amae-407	150	4	same	same	ADJ
amae-407	150	5	sentiment	sentiment	NOUN
amae-407	150	6	,	,	PUNCT
amae-407	150	7	but	but	CCONJ
amae-407	150	8	with	with	ADP
amae-407	150	9	a	a	DET
amae-407	150	10	notion	notion	NOUN
amae-407	150	11	of	of	ADP
amae-407	150	12	acceding	accede	VERB
amae-407	150	13	to	to	ADP
amae-407	150	14	a	a	DET
amae-407	150	15	job	job	NOUN
amae-407	150	16	that	that	SCONJ
amae-407	150	17	he	he	PRON
amae-407	150	18	may	may	AUX
amae-407	150	19	not	not	PART
amae-407	150	20	have	have	AUX
amae-407	150	21	cared	care	VERB
amae-407	150	22	for	for	SCONJ
amae-407	150	23	if	if	SCONJ
amae-407	150	24	he	he	PRON
amae-407	150	25	did	do	AUX
amae-407	150	26	not	not	PART
amae-407	150	27	have	have	VERB
amae-407	150	28	student	student	NOUN
amae-407	150	29	debt	debt	NOUN
amae-407	150	30	:	:	PUNCT
amae-407	150	31	i	i	PRON
amae-407	150	32	do	do	AUX
amae-407	150	33	n't	not	PART
amae-407	150	34	think	think	VERB
amae-407	150	35	i	i	PRON
amae-407	150	36	want	want	VERB
amae-407	150	37	to	to	PART
amae-407	150	38	jump	jump	VERB
amae-407	150	39	into	into	ADP
amae-407	150	40	graduate	graduate	ADJ
amae-407	150	41	school	school	NOUN
amae-407	150	42	because	because	SCONJ
amae-407	150	43	i	i	PRON
amae-407	150	44	do	do	AUX
amae-407	150	45	n't	not	PART
amae-407	150	46	want	want	VERB
amae-407	150	47	to	to	PART
amae-407	150	48	pay	pay	VERB
amae-407	150	49	for	for	ADP
amae-407	150	50	it	it	PRON
amae-407	150	51	…	…	PUNCT
amae-407	150	52	so	so	ADV
amae-407	150	53	i	i	PRON
amae-407	150	54	was	be	AUX
amae-407	150	55	like	like	ADP
amae-407	150	56	,	,	PUNCT
amae-407	150	57	i	i	PRON
amae-407	150	58	'll	will	AUX
amae-407	150	59	apply	apply	VERB
amae-407	150	60	to	to	PART
amae-407	150	61	teach	teach	VERB
amae-407	150	62	for	for	ADP
amae-407	150	63	america	america	PROPN
amae-407	150	64	because	because	SCONJ
amae-407	150	65	i	i	PRON
amae-407	150	66	think	think	VERB
amae-407	150	67	they	they	PRON
amae-407	150	68	're	be	AUX
amae-407	150	69	a	a	DET
amae-407	150	70	national	national	ADJ
amae-407	150	71	program	program	NOUN
amae-407	150	72	…	…	PUNCT
amae-407	150	73	they	they	PRON
amae-407	150	74	're	be	AUX
amae-407	150	75	just	just	ADV
amae-407	150	76	a	a	DET
amae-407	150	77	name	name	NOUN
amae-407	151	1	but	but	CCONJ
amae-407	151	2	i	i	PRON
amae-407	151	3	'm	be	AUX
amae-407	151	4	getting	get	VERB
amae-407	151	5	a	a	DET
amae-407	151	6	job	job	NOUN
amae-407	151	7	,	,	PUNCT
amae-407	151	8	but	but	CCONJ
amae-407	151	9	they	they	PRON
amae-407	151	10	're	be	AUX
amae-407	151	11	also	also	ADV
amae-407	151	12	giving	give	VERB
amae-407	151	13	me	i	PRON
amae-407	151	14	money	money	NOUN
amae-407	151	15	to	to	PART
amae-407	151	16	help	help	VERB
amae-407	151	17	pay	pay	VERB
amae-407	151	18	off	off	ADP
amae-407	151	19	my	my	PRON
amae-407	151	20	loan	loan	NOUN
amae-407	151	21	.	.	PUNCT
amae-407	152	1	participants	participant	NOUN
amae-407	152	2	like	like	ADP
amae-407	152	3	christopher	christopher	PROPN
amae-407	152	4	and	and	CCONJ
amae-407	152	5	patty	patty	PROPN
amae-407	152	6	describe	describe	VERB
amae-407	152	7	their	their	PRON
amae-407	152	8	urgency	urgency	NOUN
amae-407	152	9	to	to	PART
amae-407	152	10	find	find	VERB
amae-407	152	11	jobs	job	NOUN
amae-407	152	12	above	above	ADP
amae-407	152	13	any	any	DET
amae-407	152	14	other	other	ADJ
amae-407	152	15	plans	plan	NOUN
amae-407	152	16	.	.	PUNCT
amae-407	153	1	the	the	DET
amae-407	153	2	types	type	NOUN
amae-407	153	3	of	of	ADP
amae-407	153	4	job	job	NOUN
amae-407	153	5	also	also	ADV
amae-407	153	6	matter	matter	VERB
amae-407	153	7	,	,	PUNCT
amae-407	153	8	as	as	SCONJ
amae-407	153	9	different	different	ADJ
amae-407	153	10	jobs	job	NOUN
amae-407	153	11	come	come	VERB
amae-407	153	12	with	with	ADP
amae-407	153	13	different	different	ADJ
amae-407	153	14	pay	pay	NOUN
amae-407	153	15	scales	scale	NOUN
amae-407	153	16	to	to	PART
amae-407	153	17	mitigate	mitigate	VERB
amae-407	153	18	the	the	DET
amae-407	153	19	repayment	repayment	NOUN
amae-407	153	20	amounts	amount	NOUN
amae-407	153	21	.	.	PUNCT
amae-407	154	1	lisa	lisa	PROPN
amae-407	154	2	explains	explain	VERB
amae-407	154	3	how	how	SCONJ
amae-407	154	4	she	she	PRON
amae-407	154	5	plans	plan	VERB
amae-407	154	6	on	on	ADP
amae-407	154	7	dealing	deal	VERB
amae-407	154	8	with	with	ADP
amae-407	154	9	making	make	VERB
amae-407	154	10	less	less	ADJ
amae-407	154	11	money	money	NOUN
amae-407	154	12	after	after	ADP
amae-407	154	13	graduating	graduate	VERB
amae-407	154	14	:	:	PUNCT
amae-407	154	15	“	"	PUNCT
amae-407	154	16	now	now	ADV
amae-407	154	17	i	i	PRON
amae-407	154	18	do	do	AUX
amae-407	154	19	n't	not	PART
amae-407	154	20	know	know	VERB
amae-407	154	21	if	if	SCONJ
amae-407	154	22	that	that	PRON
amae-407	154	23	's	be	AUX
amae-407	154	24	possible	possible	ADJ
amae-407	154	25	,	,	PUNCT
amae-407	154	26	considering	consider	VERB
amae-407	154	27	it	it	PRON
amae-407	154	28	's	be	AUX
amae-407	154	29	way	way	ADV
amae-407	154	30	lower	low	ADJ
amae-407	154	31	pay	pay	NOUN
amae-407	154	32	than	than	SCONJ
amae-407	154	33	i	i	PRON
amae-407	154	34	was	be	AUX
amae-407	154	35	expecting	expect	VERB
amae-407	154	36	…	…	PUNCT
amae-407	154	37	i	i	PRON
amae-407	154	38	'm	be	AUX
amae-407	154	39	going	go	VERB
amae-407	154	40	to	to	PART
amae-407	154	41	do	do	VERB
amae-407	154	42	side	side	NOUN
amae-407	154	43	jobs	job	NOUN
amae-407	154	44	,	,	PUNCT
amae-407	154	45	which	which	PRON
amae-407	154	46	i	i	PRON
amae-407	154	47	already	already	ADV
amae-407	154	48	have	have	AUX
amae-407	154	49	lined	line	VERB
amae-407	154	50	up	up	ADP
amae-407	154	51	.	.	PUNCT
amae-407	154	52	”	"	PUNCT
amae-407	155	1	carales	carale	NOUN
amae-407	155	2	,	,	PUNCT
amae-407	155	3	molina	molina	PROPN
amae-407	155	4	&	&	CCONJ
amae-407	155	5	hooker	hooker	PROPN
amae-407	155	6	association	association	PROPN
amae-407	155	7	of	of	ADP
amae-407	155	8	mexican	mexican	PROPN
amae-407	155	9	american	american	PROPN
amae-407	155	10	educators	educator	NOUN
amae-407	155	11	(	(	PUNCT
amae-407	155	12	amae	amae	NOUN
amae-407	155	13	)	)	PUNCT
amae-407	155	14	journal	journal	NOUN
amae-407	155	15	©	©	PROPN
amae-407	155	16	2020	2020	NUM
amae-407	155	17	,	,	PUNCT
amae-407	155	18	volume	volume	NOUN
amae-407	155	19	14	14	NUM
amae-407	155	20	,	,	PUNCT
amae-407	155	21	issue	issue	VERB
amae-407	155	22	3	3	NUM
amae-407	155	23	41	41	NUM
amae-407	155	24	a	a	DET
amae-407	155	25	similarity	similarity	NOUN
amae-407	155	26	across	across	ADP
amae-407	155	27	all	all	DET
amae-407	155	28	participants	participant	NOUN
amae-407	155	29	’	'	PUNCT
amae-407	155	30	perceived	perceive	VERB
amae-407	155	31	burden	burden	NOUN
amae-407	155	32	of	of	ADP
amae-407	155	33	debt	debt	NOUN
amae-407	155	34	was	be	AUX
amae-407	155	35	their	their	PRON
amae-407	155	36	continued	continue	VERB
amae-407	155	37	effort	effort	NOUN
amae-407	155	38	to	to	PART
amae-407	155	39	plan	plan	VERB
amae-407	155	40	for	for	ADP
amae-407	155	41	repayment	repayment	NOUN
amae-407	155	42	.	.	PUNCT
amae-407	156	1	whether	whether	SCONJ
amae-407	156	2	mentally	mentally	ADV
amae-407	156	3	adjusting	adjust	VERB
amae-407	156	4	their	their	PRON
amae-407	156	5	repayment	repayment	NOUN
amae-407	156	6	timelines	timeline	NOUN
amae-407	156	7	,	,	PUNCT
amae-407	156	8	changing	change	VERB
amae-407	156	9	their	their	PRON
amae-407	156	10	path	path	NOUN
amae-407	156	11	from	from	ADP
amae-407	156	12	graduate	graduate	NOUN
amae-407	156	13	school	school	NOUN
amae-407	156	14	to	to	ADP
amae-407	156	15	immediate	immediate	ADJ
amae-407	156	16	employment	employment	NOUN
amae-407	156	17	,	,	PUNCT
amae-407	156	18	or	or	CCONJ
amae-407	156	19	even	even	ADV
amae-407	156	20	accepting	accept	VERB
amae-407	156	21	jobs	job	NOUN
amae-407	156	22	they	they	PRON
amae-407	156	23	may	may	AUX
amae-407	156	24	not	not	PART
amae-407	156	25	have	have	AUX
amae-407	156	26	considered	consider	VERB
amae-407	156	27	before	before	ADV
amae-407	156	28	,	,	PUNCT
amae-407	156	29	most	most	ADJ
amae-407	156	30	of	of	ADP
amae-407	156	31	the	the	DET
amae-407	156	32	participants	participant	NOUN
amae-407	156	33	still	still	ADV
amae-407	156	34	viewed	view	VERB
amae-407	156	35	their	their	PRON
amae-407	156	36	degree	degree	NOUN
amae-407	156	37	as	as	ADP
amae-407	156	38	worth	worth	ADJ
amae-407	156	39	the	the	DET
amae-407	156	40	debt	debt	NOUN
amae-407	156	41	.	.	PUNCT
amae-407	157	1	a	a	DET
amae-407	157	2	few	few	ADJ
amae-407	157	3	would	would	AUX
amae-407	157	4	have	have	AUX
amae-407	157	5	done	do	VERB
amae-407	157	6	things	thing	NOUN
amae-407	157	7	differently	differently	ADV
amae-407	157	8	,	,	PUNCT
amae-407	157	9	but	but	CCONJ
amae-407	157	10	none	none	NOUN
amae-407	157	11	of	of	ADP
amae-407	157	12	those	those	DET
amae-407	157	13	scenarios	scenario	NOUN
amae-407	157	14	included	include	VERB
amae-407	157	15	not	not	PART
amae-407	157	16	going	go	VERB
amae-407	157	17	to	to	ADP
amae-407	157	18	college	college	NOUN
amae-407	157	19	.	.	PUNCT
amae-407	158	1	discussion	discussion	NOUN
amae-407	158	2	consistent	consistent	ADJ
amae-407	158	3	with	with	ADP
amae-407	158	4	prior	prior	ADJ
amae-407	158	5	research	research	NOUN
amae-407	158	6	,	,	PUNCT
amae-407	158	7	this	this	DET
amae-407	158	8	study	study	NOUN
amae-407	158	9	reaffirms	reaffirm	VERB
amae-407	158	10	the	the	DET
amae-407	158	11	importance	importance	NOUN
amae-407	158	12	of	of	ADP
amae-407	158	13	loans	loan	NOUN
amae-407	158	14	in	in	ADP
amae-407	158	15	helping	help	VERB
amae-407	158	16	college	college	NOUN
amae-407	158	17	students	student	NOUN
amae-407	158	18	succeed	succeed	VERB
amae-407	158	19	(	(	PUNCT
amae-407	158	20	mckinney	mckinney	PROPN
amae-407	158	21	et	et	PROPN
amae-407	158	22	al	al	PROPN
amae-407	158	23	.	.	PROPN
amae-407	158	24	,	,	PUNCT
amae-407	158	25	2015	2015	NUM
amae-407	158	26	)	)	PUNCT
amae-407	158	27	.	.	PUNCT
amae-407	159	1	more	more	ADV
amae-407	159	2	importantly	importantly	ADV
amae-407	159	3	,	,	PUNCT
amae-407	159	4	our	our	PRON
amae-407	159	5	study	study	NOUN
amae-407	159	6	highlights	highlight	NOUN
amae-407	159	7	how	how	SCONJ
amae-407	159	8	latinx	latinx	NOUN
amae-407	159	9	students	student	NOUN
amae-407	159	10	obtained	obtain	VERB
amae-407	159	11	information	information	NOUN
amae-407	159	12	about	about	ADP
amae-407	159	13	loans	loan	NOUN
amae-407	159	14	while	while	SCONJ
amae-407	159	15	underscoring	underscore	VERB
amae-407	159	16	the	the	DET
amae-407	159	17	importance	importance	NOUN
amae-407	159	18	of	of	ADP
amae-407	159	19	financial	financial	ADJ
amae-407	159	20	literacy	literacy	NOUN
amae-407	159	21	.	.	PUNCT
amae-407	160	1	participants	participant	NOUN
amae-407	160	2	expressed	express	VERB
amae-407	160	3	self	self	NOUN
amae-407	160	4	-	-	PUNCT
amae-407	160	5	directed	direct	VERB
amae-407	160	6	intentions	intention	NOUN
amae-407	160	7	on	on	ADP
amae-407	160	8	learning	learn	VERB
amae-407	160	9	about	about	ADP
amae-407	160	10	student	student	NOUN
amae-407	160	11	loans	loan	NOUN
amae-407	160	12	while	while	SCONJ
amae-407	160	13	simultaneously	simultaneously	ADV
amae-407	160	14	deciding	decide	VERB
amae-407	160	15	to	to	PART
amae-407	160	16	borrow	borrow	VERB
amae-407	160	17	.	.	PUNCT
amae-407	161	1	this	this	PRON
amae-407	161	2	occurred	occur	VERB
amae-407	161	3	even	even	ADV
amae-407	161	4	when	when	SCONJ
amae-407	161	5	participants	participant	NOUN
amae-407	161	6	did	do	AUX
amae-407	161	7	not	not	PART
amae-407	161	8	fully	fully	ADV
amae-407	161	9	understand	understand	VERB
amae-407	161	10	loan	loan	NOUN
amae-407	161	11	repayment	repayment	NOUN
amae-407	161	12	.	.	PUNCT
amae-407	162	1	as	as	SCONJ
amae-407	162	2	scholars	scholar	NOUN
amae-407	162	3	point	point	VERB
amae-407	162	4	out	out	ADP
amae-407	162	5	,	,	PUNCT
amae-407	162	6	students	student	NOUN
amae-407	162	7	may	may	AUX
amae-407	162	8	not	not	PART
amae-407	162	9	be	be	AUX
amae-407	162	10	completely	completely	ADV
amae-407	162	11	oblivious	oblivious	ADJ
amae-407	162	12	about	about	ADP
amae-407	162	13	their	their	PRON
amae-407	162	14	debt	debt	NOUN
amae-407	162	15	but	but	CCONJ
amae-407	162	16	are	be	AUX
amae-407	162	17	simply	simply	ADV
amae-407	162	18	putting	put	VERB
amae-407	162	19	it	it	PRON
amae-407	162	20	off	off	ADP
amae-407	162	21	until	until	ADP
amae-407	162	22	graduation	graduation	NOUN
amae-407	162	23	(	(	PUNCT
amae-407	162	24	zerquera	zerquera	NOUN
amae-407	162	25	et	et	PROPN
amae-407	162	26	al	al	PROPN
amae-407	162	27	.	.	PROPN
amae-407	162	28	,	,	PUNCT
amae-407	162	29	2017	2017	NUM
amae-407	162	30	)	)	PUNCT
amae-407	162	31	.	.	PUNCT
amae-407	163	1	our	our	PRON
amae-407	163	2	study	study	NOUN
amae-407	163	3	participants	participant	NOUN
amae-407	163	4	reaffirmed	reaffirm	VERB
amae-407	163	5	this	this	DET
amae-407	163	6	finding	finding	NOUN
amae-407	163	7	when	when	SCONJ
amae-407	163	8	they	they	PRON
amae-407	163	9	frequently	frequently	ADV
amae-407	163	10	could	could	AUX
amae-407	163	11	not	not	PART
amae-407	163	12	recount	recount	VERB
amae-407	163	13	specifics	specific	NOUN
amae-407	163	14	on	on	ADP
amae-407	163	15	the	the	DET
amae-407	163	16	amount	amount	NOUN
amae-407	163	17	they	they	PRON
amae-407	163	18	had	have	AUX
amae-407	163	19	borrowed	borrow	VERB
amae-407	163	20	,	,	PUNCT
amae-407	163	21	or	or	CCONJ
amae-407	163	22	how	how	SCONJ
amae-407	163	23	interest	interest	NOUN
amae-407	163	24	rates	rate	NOUN
amae-407	163	25	impacted	impact	VERB
amae-407	163	26	repayment	repayment	NOUN
amae-407	163	27	.	.	PUNCT
amae-407	164	1	however	however	ADV
amae-407	164	2	,	,	PUNCT
amae-407	164	3	the	the	DET
amae-407	164	4	majority	majority	NOUN
amae-407	164	5	of	of	ADP
amae-407	164	6	our	our	PRON
amae-407	164	7	participants	participant	NOUN
amae-407	164	8	still	still	ADV
amae-407	164	9	expressed	express	VERB
amae-407	164	10	little	little	ADJ
amae-407	164	11	to	to	ADP
amae-407	164	12	no	no	DET
amae-407	164	13	regret	regret	NOUN
amae-407	164	14	in	in	ADP
amae-407	164	15	their	their	PRON
amae-407	164	16	borrowing	borrowing	NOUN
amae-407	164	17	decisions	decision	NOUN
amae-407	164	18	.	.	PUNCT
amae-407	165	1	interestingly	interestingly	ADV
amae-407	165	2	,	,	PUNCT
amae-407	165	3	participants	participant	NOUN
amae-407	165	4	faced	face	VERB
amae-407	165	5	their	their	PRON
amae-407	165	6	lack	lack	NOUN
amae-407	165	7	of	of	ADP
amae-407	165	8	financial	financial	ADJ
amae-407	165	9	literacy	literacy	NOUN
amae-407	165	10	with	with	ADP
amae-407	165	11	a	a	DET
amae-407	165	12	sense	sense	NOUN
amae-407	165	13	of	of	ADP
amae-407	165	14	optimism	optimism	NOUN
amae-407	165	15	,	,	PUNCT
amae-407	165	16	as	as	SCONJ
amae-407	165	17	the	the	DET
amae-407	165	18	obscurities	obscurity	NOUN
amae-407	165	19	surrounding	surround	VERB
amae-407	165	20	the	the	DET
amae-407	165	21	borrowing	borrowing	NOUN
amae-407	165	22	process	process	NOUN
amae-407	165	23	did	do	AUX
amae-407	165	24	not	not	PART
amae-407	165	25	dissuade	dissuade	VERB
amae-407	165	26	their	their	PRON
amae-407	165	27	decisions	decision	NOUN
amae-407	165	28	to	to	PART
amae-407	165	29	pursue	pursue	VERB
amae-407	165	30	a	a	DET
amae-407	165	31	college	college	NOUN
amae-407	165	32	education	education	NOUN
amae-407	165	33	.	.	PUNCT
amae-407	166	1	student	student	NOUN
amae-407	166	2	loans	loan	NOUN
amae-407	166	3	,	,	PUNCT
amae-407	166	4	while	while	SCONJ
amae-407	166	5	burdensome	burdensome	ADJ
amae-407	166	6	,	,	PUNCT
amae-407	166	7	were	be	AUX
amae-407	166	8	essential	essential	ADJ
amae-407	166	9	in	in	ADP
amae-407	166	10	their	their	PRON
amae-407	166	11	pathway	pathway	NOUN
amae-407	166	12	to	to	PART
amae-407	166	13	degree	degree	VERB
amae-407	166	14	attainment	attainment	NOUN
amae-407	166	15	.	.	PUNCT
amae-407	167	1	most	most	ADV
amae-407	167	2	confirmed	confirm	VERB
amae-407	167	3	feeling	feel	VERB
amae-407	167	4	this	this	DET
amae-407	167	5	way	way	NOUN
amae-407	167	6	because	because	SCONJ
amae-407	167	7	they	they	PRON
amae-407	167	8	simply	simply	ADV
amae-407	167	9	lacked	lack	VERB
amae-407	167	10	the	the	DET
amae-407	167	11	financial	financial	ADJ
amae-407	167	12	resources	resource	NOUN
amae-407	167	13	to	to	PART
amae-407	167	14	pay	pay	VERB
amae-407	167	15	for	for	ADP
amae-407	167	16	their	their	PRON
amae-407	167	17	education	education	NOUN
amae-407	167	18	completely	completely	ADV
amae-407	167	19	out	out	ADP
amae-407	167	20	-	-	PUNCT
amae-407	167	21	of	of	ADP
amae-407	167	22	-	-	PUNCT
amae-407	167	23	pocket	pocket	NOUN
amae-407	167	24	.	.	PUNCT
amae-407	168	1	previous	previous	ADJ
amae-407	168	2	research	research	NOUN
amae-407	168	3	found	find	VERB
amae-407	168	4	that	that	SCONJ
amae-407	168	5	latinx	latinx	NOUN
amae-407	168	6	student	student	NOUN
amae-407	168	7	borrowers	borrower	NOUN
amae-407	168	8	saw	see	VERB
amae-407	168	9	loan	loan	NOUN
amae-407	168	10	debt	debt	NOUN
amae-407	168	11	as	as	ADP
amae-407	168	12	a	a	DET
amae-407	168	13	way	way	NOUN
amae-407	168	14	to	to	PART
amae-407	168	15	access	access	VERB
amae-407	168	16	college	college	NOUN
amae-407	168	17	and	and	CCONJ
amae-407	168	18	felt	feel	VERB
amae-407	168	19	the	the	DET
amae-407	168	20	benefits	benefit	NOUN
amae-407	168	21	outweighed	outweigh	VERB
amae-407	168	22	the	the	DET
amae-407	168	23	stresses	stress	NOUN
amae-407	168	24	of	of	ADP
amae-407	168	25	repayment	repayment	NOUN
amae-407	168	26	(	(	PUNCT
amae-407	168	27	barnard	barnard	PROPN
amae-407	168	28	et	et	PROPN
amae-407	168	29	al	al	PROPN
amae-407	168	30	.	.	PROPN
amae-407	168	31	,	,	PUNCT
amae-407	168	32	2018	2018	NUM
amae-407	168	33	)	)	PUNCT
amae-407	168	34	.	.	PUNCT
amae-407	169	1	this	this	DET
amae-407	169	2	trade	trade	NOUN
amae-407	169	3	-	-	PUNCT
amae-407	169	4	off	off	NOUN
amae-407	169	5	presents	present	VERB
amae-407	169	6	the	the	DET
amae-407	169	7	following	follow	VERB
amae-407	169	8	dilemma	dilemma	NOUN
amae-407	169	9	of	of	ADP
amae-407	169	10	student	student	NOUN
amae-407	169	11	loan	loan	NOUN
amae-407	169	12	debt	debt	NOUN
amae-407	169	13	:	:	PUNCT
amae-407	169	14	while	while	SCONJ
amae-407	169	15	taking	take	VERB
amae-407	169	16	on	on	ADP
amae-407	169	17	student	student	NOUN
amae-407	169	18	debt	debt	NOUN
amae-407	169	19	can	can	AUX
amae-407	169	20	negatively	negatively	ADV
amae-407	169	21	impact	impact	VERB
amae-407	169	22	the	the	DET
amae-407	169	23	financial	financial	ADJ
amae-407	169	24	well	well	NOUN
amae-407	169	25	-	-	PUNCT
amae-407	169	26	being	being	NOUN
amae-407	169	27	of	of	ADP
amae-407	169	28	borrowers	borrower	NOUN
amae-407	169	29	,	,	PUNCT
amae-407	169	30	it	it	PRON
amae-407	169	31	does	do	AUX
amae-407	169	32	not	not	PART
amae-407	169	33	do	do	VERB
amae-407	169	34	so	so	ADV
amae-407	169	35	to	to	ADP
amae-407	169	36	the	the	DET
amae-407	169	37	extent	extent	NOUN
amae-407	169	38	that	that	SCONJ
amae-407	169	39	attaining	attain	VERB
amae-407	169	40	a	a	DET
amae-407	169	41	college	college	NOUN
amae-407	169	42	degree	degree	NOUN
amae-407	169	43	positively	positively	ADV
amae-407	169	44	affects	affect	VERB
amae-407	169	45	it	it	PRON
amae-407	169	46	(	(	PUNCT
amae-407	169	47	henager	henager	NOUN
amae-407	169	48	&	&	CCONJ
amae-407	169	49	wilmarth	wilmarth	NOUN
amae-407	169	50	,	,	PUNCT
amae-407	169	51	2018	2018	NUM
amae-407	169	52	)	)	PUNCT
amae-407	169	53	.	.	PUNCT
amae-407	170	1	participants	participant	NOUN
amae-407	170	2	also	also	ADV
amae-407	170	3	viewed	view	VERB
amae-407	170	4	student	student	NOUN
amae-407	170	5	debt	debt	NOUN
amae-407	170	6	as	as	ADP
amae-407	170	7	a	a	DET
amae-407	170	8	requisite	requisite	NOUN
amae-407	170	9	for	for	ADP
amae-407	170	10	obtaining	obtain	VERB
amae-407	170	11	a	a	DET
amae-407	170	12	well	well	ADV
amae-407	170	13	-	-	PUNCT
amae-407	170	14	paying	pay	VERB
amae-407	170	15	job	job	NOUN
amae-407	170	16	.	.	PUNCT
amae-407	171	1	however	however	ADV
amae-407	171	2	,	,	PUNCT
amae-407	171	3	our	our	PRON
amae-407	171	4	participants	participant	NOUN
amae-407	171	5	’	'	PUNCT
amae-407	171	6	plans	plan	NOUN
amae-407	171	7	were	be	AUX
amae-407	171	8	altered	alter	VERB
amae-407	171	9	once	once	SCONJ
amae-407	171	10	they	they	PRON
amae-407	171	11	realized	realize	VERB
amae-407	171	12	repayment	repayment	NOUN
amae-407	171	13	was	be	AUX
amae-407	171	14	on	on	ADP
amae-407	171	15	the	the	DET
amae-407	171	16	horizon	horizon	NOUN
amae-407	171	17	,	,	PUNCT
amae-407	171	18	especially	especially	ADV
amae-407	171	19	for	for	ADP
amae-407	171	20	those	those	PRON
amae-407	171	21	who	who	PRON
amae-407	171	22	had	have	AUX
amae-407	171	23	not	not	PART
amae-407	171	24	secured	secure	VERB
amae-407	171	25	full	full	ADJ
amae-407	171	26	-	-	PUNCT
amae-407	171	27	time	time	NOUN
amae-407	171	28	employment	employment	NOUN
amae-407	171	29	.	.	PUNCT
amae-407	172	1	“	"	PUNCT
amae-407	172	2	without	without	ADP
amae-407	172	3	them	they	PRON
amae-407	172	4	”	"	PUNCT
amae-407	172	5	association	association	NOUN
amae-407	172	6	of	of	ADP
amae-407	172	7	mexican	mexican	PROPN
amae-407	172	8	american	american	PROPN
amae-407	172	9	educators	educator	NOUN
amae-407	172	10	(	(	PUNCT
amae-407	172	11	amae	amae	NOUN
amae-407	172	12	)	)	PUNCT
amae-407	172	13	journal	journal	NOUN
amae-407	172	14	©	©	PROPN
amae-407	172	15	2020	2020	NUM
amae-407	172	16	,	,	PUNCT
amae-407	172	17	volume	volume	NOUN
amae-407	172	18	14	14	NUM
amae-407	172	19	,	,	PUNCT
amae-407	172	20	issue	issue	NOUN
amae-407	172	21	3	3	NUM
amae-407	172	22	42	42	NUM
amae-407	172	23	a	a	DET
amae-407	172	24	few	few	ADJ
amae-407	172	25	implications	implication	NOUN
amae-407	172	26	from	from	ADP
amae-407	172	27	this	this	DET
amae-407	172	28	study	study	NOUN
amae-407	172	29	must	must	AUX
amae-407	172	30	be	be	AUX
amae-407	172	31	noted	note	VERB
amae-407	172	32	.	.	PUNCT
amae-407	173	1	first	first	ADV
amae-407	173	2	,	,	PUNCT
amae-407	173	3	findings	finding	NOUN
amae-407	173	4	underscore	underscore	VERB
amae-407	173	5	the	the	DET
amae-407	173	6	importance	importance	NOUN
amae-407	173	7	of	of	ADP
amae-407	173	8	helping	help	VERB
amae-407	173	9	latinx	latinx	NOUN
amae-407	173	10	students	student	NOUN
amae-407	173	11	make	make	VERB
amae-407	173	12	informed	informed	ADJ
amae-407	173	13	decisions	decision	NOUN
amae-407	173	14	about	about	ADP
amae-407	173	15	borrowing	borrow	VERB
amae-407	173	16	loans	loan	NOUN
amae-407	173	17	to	to	PART
amae-407	173	18	pay	pay	VERB
amae-407	173	19	for	for	ADP
amae-407	173	20	college	college	NOUN
amae-407	173	21	(	(	PUNCT
amae-407	173	22	santiago	santiago	PROPN
amae-407	173	23	,	,	PUNCT
amae-407	173	24	2010	2010	NUM
amae-407	173	25	)	)	PUNCT
amae-407	173	26	.	.	PUNCT
amae-407	174	1	secondly	secondly	ADV
amae-407	174	2	,	,	PUNCT
amae-407	174	3	we	we	PRON
amae-407	174	4	provide	provide	VERB
amae-407	174	5	further	further	ADJ
amae-407	174	6	evidence	evidence	NOUN
amae-407	174	7	for	for	SCONJ
amae-407	174	8	institutions	institution	NOUN
amae-407	174	9	to	to	PART
amae-407	174	10	develop	develop	VERB
amae-407	174	11	institutional	institutional	ADJ
amae-407	174	12	policies	policy	NOUN
amae-407	174	13	that	that	PRON
amae-407	174	14	promote	promote	VERB
amae-407	174	15	smart	smart	ADJ
amae-407	174	16	borrowing	borrowing	NOUN
amae-407	174	17	behavior	behavior	NOUN
amae-407	174	18	among	among	ADP
amae-407	174	19	college	college	NOUN
amae-407	174	20	students	student	NOUN
amae-407	174	21	(	(	PUNCT
amae-407	174	22	fletcher	fletcher	PROPN
amae-407	174	23	et	et	PROPN
amae-407	174	24	al	al	PROPN
amae-407	174	25	.	.	PROPN
amae-407	174	26	,	,	PUNCT
amae-407	174	27	2015	2015	NUM
amae-407	174	28	)	)	PUNCT
amae-407	174	29	.	.	PUNCT
amae-407	175	1	timely	timely	ADJ
amae-407	175	2	dissemination	dissemination	NOUN
amae-407	175	3	of	of	ADP
amae-407	175	4	information	information	NOUN
amae-407	175	5	about	about	ADP
amae-407	175	6	student	student	NOUN
amae-407	175	7	loan	loan	NOUN
amae-407	175	8	responsibilities	responsibility	NOUN
amae-407	175	9	might	might	AUX
amae-407	175	10	involve	involve	VERB
amae-407	175	11	distributing	distribute	VERB
amae-407	175	12	annual	annual	ADJ
amae-407	175	13	information	information	NOUN
amae-407	175	14	to	to	ADP
amae-407	175	15	students	student	NOUN
amae-407	175	16	about	about	ADP
amae-407	175	17	current	current	ADJ
amae-407	175	18	debt	debt	NOUN
amae-407	175	19	accumulation	accumulation	NOUN
amae-407	175	20	and	and	CCONJ
amae-407	175	21	projected	project	VERB
amae-407	175	22	monthly	monthly	ADJ
amae-407	175	23	repayment	repayment	NOUN
amae-407	175	24	amounts	amount	NOUN
amae-407	175	25	.	.	PUNCT
amae-407	176	1	similarly	similarly	ADV
amae-407	176	2	,	,	PUNCT
amae-407	176	3	institutions	institution	NOUN
amae-407	176	4	have	have	AUX
amae-407	176	5	developed	develop	VERB
amae-407	176	6	innovative	innovative	ADJ
amae-407	176	7	student	student	NOUN
amae-407	176	8	loan	loan	NOUN
amae-407	176	9	counseling	counseling	NOUN
amae-407	176	10	practices	practice	NOUN
amae-407	176	11	,	,	PUNCT
amae-407	176	12	such	such	ADJ
amae-407	176	13	as	as	ADP
amae-407	176	14	peer	peer	NOUN
amae-407	176	15	-	-	PUNCT
amae-407	176	16	to	to	ADP
amae-407	176	17	-	-	PUNCT
amae-407	176	18	peer	peer	NOUN
amae-407	176	19	coaching	coaching	NOUN
amae-407	176	20	using	use	VERB
amae-407	176	21	students	student	NOUN
amae-407	176	22	in	in	ADP
amae-407	176	23	finance	finance	NOUN
amae-407	176	24	-	-	PUNCT
amae-407	176	25	related	relate	VERB
amae-407	176	26	majors	major	NOUN
amae-407	176	27	,	,	PUNCT
amae-407	176	28	to	to	PART
amae-407	176	29	facilitate	facilitate	VERB
amae-407	176	30	improvement	improvement	NOUN
amae-407	176	31	in	in	ADP
amae-407	176	32	the	the	DET
amae-407	176	33	dissemination	dissemination	NOUN
amae-407	176	34	of	of	ADP
amae-407	176	35	loan	loan	NOUN
amae-407	176	36	information	information	NOUN
amae-407	176	37	(	(	PUNCT
amae-407	176	38	fletcher	fletcher	PROPN
amae-407	176	39	et	et	PROPN
amae-407	176	40	al	al	PROPN
amae-407	176	41	.	.	PROPN
amae-407	176	42	,	,	PUNCT
amae-407	176	43	2015	2015	NUM
amae-407	176	44	)	)	PUNCT
amae-407	176	45	.	.	PUNCT
amae-407	177	1	relatedly	relatedly	ADV
amae-407	177	2	,	,	PUNCT
amae-407	177	3	scholars	scholar	NOUN
amae-407	177	4	have	have	AUX
amae-407	177	5	called	call	VERB
amae-407	177	6	for	for	ADP
amae-407	177	7	the	the	DET
amae-407	177	8	promotion	promotion	NOUN
amae-407	177	9	of	of	ADP
amae-407	177	10	adequate	adequate	ADJ
amae-407	177	11	financial	financial	ADJ
amae-407	177	12	literacy	literacy	NOUN
amae-407	177	13	training	training	NOUN
amae-407	177	14	specifically	specifically	ADV
amae-407	177	15	targeted	target	VERB
amae-407	177	16	at	at	ADP
amae-407	177	17	hsis	hsis	NOUN
amae-407	177	18	,	,	PUNCT
amae-407	177	19	in	in	ADP
amae-407	177	20	order	order	NOUN
amae-407	177	21	to	to	PART
amae-407	177	22	help	help	VERB
amae-407	177	23	latinx	latinx	VERB
amae-407	177	24	students	student	NOUN
amae-407	177	25	responsibly	responsibly	ADV
amae-407	177	26	manage	manage	VERB
amae-407	177	27	their	their	PRON
amae-407	177	28	financial	financial	ADJ
amae-407	177	29	aid	aid	NOUN
amae-407	177	30	and	and	CCONJ
amae-407	177	31	student	student	NOUN
amae-407	177	32	debt	debt	NOUN
amae-407	177	33	(	(	PUNCT
amae-407	177	34	salinas	salinas	PROPN
amae-407	177	35	&	&	CCONJ
amae-407	177	36	hidrowoh	hidrowoh	PROPN
amae-407	177	37	,	,	PUNCT
amae-407	177	38	2018	2018	NUM
amae-407	177	39	;	;	PUNCT
amae-407	177	40	santiago	santiago	NOUN
amae-407	177	41	,	,	PUNCT
amae-407	177	42	2010	2010	NUM
amae-407	177	43	)	)	PUNCT
amae-407	177	44	.	.	PUNCT
amae-407	178	1	taking	take	VERB
amae-407	178	2	such	such	ADJ
amae-407	178	3	targeted	target	VERB
amae-407	178	4	measures	measure	NOUN
amae-407	178	5	will	will	AUX
amae-407	178	6	help	help	VERB
amae-407	178	7	better	well	ADV
amae-407	178	8	clarify	clarify	VERB
amae-407	178	9	the	the	DET
amae-407	178	10	ambiguity	ambiguity	NOUN
amae-407	178	11	surrounding	surround	VERB
amae-407	178	12	the	the	DET
amae-407	178	13	serving	serve	VERB
amae-407	178	14	aspect	aspect	NOUN
amae-407	178	15	designated	designate	VERB
amae-407	178	16	to	to	PART
amae-407	178	17	hsis	hsis	VERB
amae-407	178	18	,	,	PUNCT
amae-407	178	19	and	and	CCONJ
amae-407	178	20	lead	lead	VERB
amae-407	178	21	to	to	ADP
amae-407	178	22	the	the	DET
amae-407	178	23	creation	creation	NOUN
amae-407	178	24	of	of	ADP
amae-407	178	25	tangible	tangible	ADJ
amae-407	178	26	programming	programming	NOUN
amae-407	178	27	with	with	ADP
amae-407	178	28	which	which	PRON
amae-407	178	29	latinx	latinx	NOUN
amae-407	178	30	students	student	NOUN
amae-407	178	31	can	can	AUX
amae-407	178	32	identify	identify	VERB
amae-407	178	33	(	(	PUNCT
amae-407	178	34	gonzalez	gonzalez	PROPN
amae-407	178	35	et	et	PROPN
amae-407	178	36	al	al	PROPN
amae-407	178	37	.	.	PROPN
amae-407	178	38	,	,	PUNCT
amae-407	178	39	2020	2020	NUM
amae-407	178	40	)	)	PUNCT
amae-407	178	41	.	.	PUNCT
amae-407	179	1	future	future	ADJ
amae-407	179	2	research	research	NOUN
amae-407	179	3	should	should	AUX
amae-407	179	4	seek	seek	VERB
amae-407	179	5	to	to	PART
amae-407	179	6	understand	understand	VERB
amae-407	179	7	how	how	SCONJ
amae-407	179	8	well	well	ADV
amae-407	179	9	financial	financial	ADJ
amae-407	179	10	-	-	PUNCT
amae-407	179	11	focused	focus	VERB
amae-407	179	12	programming	programming	NOUN
amae-407	179	13	can	can	AUX
amae-407	179	14	act	act	VERB
amae-407	179	15	as	as	ADP
amae-407	179	16	an	an	DET
amae-407	179	17	institutional	institutional	ADJ
amae-407	179	18	support	support	NOUN
amae-407	179	19	structure	structure	NOUN
amae-407	179	20	in	in	ADP
amae-407	179	21	serving	serve	VERB
amae-407	179	22	latinx	latinx	NOUN
amae-407	179	23	college	college	NOUN
amae-407	179	24	students	student	NOUN
amae-407	179	25	(	(	PUNCT
amae-407	179	26	garcia	garcia	PROPN
amae-407	179	27	et	et	PROPN
amae-407	179	28	al	al	PROPN
amae-407	179	29	.	.	PROPN
amae-407	179	30	,	,	PUNCT
amae-407	179	31	2019	2019	NUM
amae-407	179	32	)	)	PUNCT
amae-407	179	33	.	.	PUNCT
amae-407	180	1	moreover	moreover	ADV
amae-407	180	2	,	,	PUNCT
amae-407	180	3	further	further	ADJ
amae-407	180	4	research	research	NOUN
amae-407	180	5	should	should	AUX
amae-407	180	6	also	also	ADV
amae-407	180	7	focus	focus	VERB
amae-407	180	8	on	on	ADP
amae-407	180	9	describing	describe	VERB
amae-407	180	10	student	student	NOUN
amae-407	180	11	perceptions	perception	NOUN
amae-407	180	12	of	of	ADP
amae-407	180	13	the	the	DET
amae-407	180	14	repayment	repayment	NOUN
amae-407	180	15	process	process	NOUN
amae-407	180	16	,	,	PUNCT
amae-407	180	17	and	and	CCONJ
amae-407	180	18	how	how	SCONJ
amae-407	180	19	repayment	repayment	NOUN
amae-407	180	20	obligations	obligation	NOUN
amae-407	180	21	influences	influence	VERB
amae-407	180	22	their	their	PRON
amae-407	180	23	plans	plan	NOUN
amae-407	180	24	after	after	ADP
amae-407	180	25	graduation	graduation	NOUN
amae-407	180	26	.	.	PUNCT
amae-407	181	1	in	in	ADP
amae-407	181	2	the	the	DET
amae-407	181	3	era	era	NOUN
amae-407	181	4	of	of	ADP
amae-407	181	5	covid-19	covid-19	PROPN
amae-407	181	6	and	and	CCONJ
amae-407	181	7	the	the	DET
amae-407	181	8	concomitant	concomitant	PROPN
amae-407	181	9	pauses	pause	VERB
amae-407	181	10	in	in	ADP
amae-407	181	11	government	government	NOUN
amae-407	181	12	collection	collection	NOUN
amae-407	181	13	on	on	ADP
amae-407	181	14	student	student	NOUN
amae-407	181	15	debt	debt	NOUN
amae-407	181	16	,	,	PUNCT
amae-407	181	17	future	future	ADJ
amae-407	181	18	research	research	NOUN
amae-407	181	19	should	should	AUX
amae-407	181	20	also	also	ADV
amae-407	181	21	investigate	investigate	VERB
amae-407	181	22	how	how	SCONJ
amae-407	181	23	government	government	NOUN
amae-407	181	24	forebearances	forebearance	NOUN
amae-407	181	25	have	have	AUX
amae-407	181	26	affected	affect	VERB
amae-407	181	27	borrower	borrower	NOUN
amae-407	181	28	decisions	decision	NOUN
amae-407	181	29	and	and	CCONJ
amae-407	181	30	paying	pay	VERB
amae-407	181	31	down	down	ADP
amae-407	181	32	their	their	PRON
amae-407	181	33	debt	debt	NOUN
amae-407	181	34	.	.	PUNCT
amae-407	182	1	any	any	DET
amae-407	182	2	changes	change	NOUN
amae-407	182	3	in	in	ADP
amae-407	182	4	federal	federal	ADJ
amae-407	182	5	policy	policy	NOUN
amae-407	182	6	might	might	AUX
amae-407	182	7	ripple	ripple	VERB
amae-407	182	8	out	out	ADP
amae-407	182	9	to	to	PART
amae-407	182	10	influence	influence	VERB
amae-407	182	11	other	other	ADJ
amae-407	182	12	aspects	aspect	NOUN
amae-407	182	13	of	of	ADP
amae-407	182	14	borrowers	borrower	NOUN
amae-407	182	15	’	'	PUNCT
amae-407	182	16	future	future	ADJ
amae-407	182	17	financial	financial	ADJ
amae-407	182	18	practices	practice	NOUN
amae-407	182	19	.	.	PUNCT
amae-407	183	1	conclusion	conclusion	NOUN
amae-407	183	2	postsecondary	postsecondary	ADJ
amae-407	183	3	institutions	institution	NOUN
amae-407	183	4	are	be	AUX
amae-407	183	5	obligated	obligate	VERB
amae-407	183	6	to	to	PART
amae-407	183	7	empower	empower	VERB
amae-407	183	8	students	student	NOUN
amae-407	183	9	to	to	PART
amae-407	183	10	make	make	VERB
amae-407	183	11	educated	educate	VERB
amae-407	183	12	financial	financial	ADJ
amae-407	183	13	decisions	decision	NOUN
amae-407	183	14	througought	througought	NOUN
amae-407	183	15	college	college	NOUN
amae-407	183	16	,	,	PUNCT
amae-407	183	17	especially	especially	ADV
amae-407	183	18	given	give	VERB
amae-407	183	19	that	that	SCONJ
amae-407	183	20	more	more	ADJ
amae-407	183	21	students	student	NOUN
amae-407	183	22	are	be	AUX
amae-407	183	23	borrowing	borrow	VERB
amae-407	183	24	to	to	PART
amae-407	183	25	help	help	VERB
amae-407	183	26	finance	finance	VERB
amae-407	183	27	their	their	PRON
amae-407	183	28	education	education	NOUN
amae-407	183	29	.	.	PUNCT
amae-407	184	1	with	with	ADP
amae-407	184	2	this	this	PRON
amae-407	184	3	in	in	ADP
amae-407	184	4	mind	mind	NOUN
amae-407	184	5	,	,	PUNCT
amae-407	184	6	increasing	increase	VERB
amae-407	184	7	our	our	PRON
amae-407	184	8	understanding	understanding	NOUN
amae-407	184	9	of	of	ADP
amae-407	184	10	the	the	DET
amae-407	184	11	choices	choice	NOUN
amae-407	184	12	students	student	NOUN
amae-407	184	13	make	make	VERB
amae-407	184	14	in	in	ADP
amae-407	184	15	regards	regard	NOUN
amae-407	184	16	to	to	ADP
amae-407	184	17	borrowing	borrowing	NOUN
amae-407	184	18	is	be	AUX
amae-407	184	19	essential	essential	ADJ
amae-407	184	20	for	for	ADP
amae-407	184	21	keeping	keep	VERB
amae-407	184	22	college	college	NOUN
amae-407	184	23	accessible	accessible	ADJ
amae-407	184	24	and	and	CCONJ
amae-407	184	25	affordable	affordable	ADJ
amae-407	184	26	.	.	PUNCT
amae-407	185	1	despite	despite	SCONJ
amae-407	185	2	the	the	DET
amae-407	185	3	negative	negative	ADJ
amae-407	185	4	attention	attention	NOUN
amae-407	185	5	,	,	PUNCT
amae-407	185	6	our	our	PRON
amae-407	185	7	study	study	NOUN
amae-407	185	8	points	point	VERB
amae-407	185	9	to	to	ADP
amae-407	185	10	the	the	DET
amae-407	185	11	necessity	necessity	NOUN
amae-407	185	12	of	of	ADP
amae-407	185	13	student	student	NOUN
amae-407	185	14	loans	loan	NOUN
amae-407	185	15	in	in	ADP
amae-407	185	16	facilitating	facilitate	VERB
amae-407	185	17	degree	degree	NOUN
amae-407	185	18	completion	completion	NOUN
amae-407	185	19	for	for	ADP
amae-407	185	20	latinx	latinx	NOUN
amae-407	185	21	students	student	NOUN
amae-407	185	22	.	.	PUNCT
amae-407	186	1	while	while	SCONJ
amae-407	186	2	most	most	ADJ
amae-407	186	3	of	of	ADP
amae-407	186	4	the	the	DET
amae-407	186	5	participants	participant	NOUN
amae-407	186	6	in	in	ADP
amae-407	186	7	our	our	PRON
amae-407	186	8	study	study	NOUN
amae-407	186	9	were	be	AUX
amae-407	186	10	ambitious	ambitious	ADJ
amae-407	186	11	about	about	ADP
amae-407	186	12	handling	handle	VERB
amae-407	186	13	repayment	repayment	NOUN
amae-407	186	14	,	,	PUNCT
amae-407	186	15	an	an	DET
amae-407	186	16	estimated	estimate	VERB
amae-407	186	17	20	20	NUM
amae-407	186	18	%	%	NOUN
amae-407	186	19	of	of	ADP
amae-407	186	20	latinx	latinx	NOUN
amae-407	186	21	students	student	NOUN
amae-407	186	22	who	who	PRON
amae-407	186	23	began	begin	VERB
amae-407	186	24	college	college	NOUN
amae-407	186	25	in	in	ADP
amae-407	186	26	carales	carale	NOUN
amae-407	186	27	,	,	PUNCT
amae-407	186	28	molina	molina	PROPN
amae-407	186	29	&	&	CCONJ
amae-407	186	30	hooker	hooker	PROPN
amae-407	186	31	association	association	PROPN
amae-407	186	32	of	of	ADP
amae-407	186	33	mexican	mexican	PROPN
amae-407	186	34	american	american	PROPN
amae-407	186	35	educators	educator	NOUN
amae-407	186	36	(	(	PUNCT
amae-407	186	37	amae	amae	NOUN
amae-407	186	38	)	)	PUNCT
amae-407	186	39	journal	journal	NOUN
amae-407	186	40	©	©	PROPN
amae-407	186	41	2020	2020	NUM
amae-407	186	42	,	,	PUNCT
amae-407	186	43	volume	volume	NOUN
amae-407	186	44	14	14	NUM
amae-407	186	45	,	,	PUNCT
amae-407	186	46	issue	issue	NOUN
amae-407	186	47	3	3	NUM
amae-407	186	48	43	43	NUM
amae-407	186	49	2003	2003	NUM
amae-407	186	50	-	-	SYM
amae-407	186	51	2004	2004	NUM
amae-407	186	52	have	have	AUX
amae-407	186	53	defaulted	default	VERB
amae-407	186	54	on	on	ADP
amae-407	186	55	their	their	PRON
amae-407	186	56	student	student	NOUN
amae-407	186	57	loans	loan	NOUN
amae-407	186	58	(	(	PUNCT
amae-407	186	59	unidosus	unidosus	NOUN
amae-407	186	60	,	,	PUNCT
amae-407	186	61	2019b	2019b	NUM
amae-407	186	62	)	)	PUNCT
amae-407	186	63	.	.	PUNCT
amae-407	187	1	projections	projection	NOUN
amae-407	187	2	also	also	ADV
amae-407	187	3	show	show	VERB
amae-407	187	4	that	that	DET
amae-407	187	5	approximatey	approximatey	NOUN
amae-407	187	6	half	half	NOUN
amae-407	187	7	from	from	ADP
amae-407	187	8	that	that	DET
amae-407	187	9	cohort	cohort	NOUN
amae-407	187	10	will	will	AUX
amae-407	187	11	default	default	VERB
amae-407	187	12	by	by	ADP
amae-407	187	13	2024	2024	NUM
amae-407	187	14	(	(	PUNCT
amae-407	187	15	unidosus	unidosus	NOUN
amae-407	187	16	,	,	PUNCT
amae-407	187	17	2019b	2019b	NUM
amae-407	187	18	)	)	PUNCT
amae-407	187	19	.	.	PUNCT
amae-407	188	1	moreover	moreover	ADV
amae-407	188	2	,	,	PUNCT
amae-407	188	3	latinx	latinx	NOUN
amae-407	188	4	graduates	graduate	NOUN
amae-407	188	5	are	be	AUX
amae-407	188	6	faced	face	VERB
amae-407	188	7	with	with	ADP
amae-407	188	8	the	the	DET
amae-407	188	9	lowest	low	ADJ
amae-407	188	10	post	post	ADJ
amae-407	188	11	-	-	ADJ
amae-407	188	12	graduation	graduation	ADJ
amae-407	188	13	earnings	earning	NOUN
amae-407	188	14	of	of	ADP
amae-407	188	15	all	all	DET
amae-407	188	16	racial	racial	ADJ
amae-407	188	17	/	/	SYM
amae-407	188	18	ethnic	ethnic	ADJ
amae-407	188	19	groups	group	NOUN
amae-407	188	20	(	(	PUNCT
amae-407	188	21	unidosus	unidosus	NOUN
amae-407	188	22	,	,	PUNCT
amae-407	188	23	2019b	2019b	NUM
amae-407	188	24	)	)	PUNCT
amae-407	188	25	,	,	PUNCT
amae-407	188	26	making	make	VERB
amae-407	188	27	payoff	payoff	NOUN
amae-407	188	28	even	even	ADV
amae-407	188	29	more	more	ADV
amae-407	188	30	difficult	difficult	ADJ
amae-407	188	31	for	for	ADP
amae-407	188	32	latinx	latinx	NOUN
amae-407	188	33	graduates	graduate	NOUN
amae-407	188	34	.	.	PUNCT
amae-407	189	1	given	give	VERB
amae-407	189	2	these	these	DET
amae-407	189	3	statistics	statistic	NOUN
amae-407	189	4	,	,	PUNCT
amae-407	189	5	it	it	PRON
amae-407	189	6	is	be	AUX
amae-407	189	7	important	important	ADJ
amae-407	189	8	for	for	SCONJ
amae-407	189	9	institutions	institution	NOUN
amae-407	189	10	and	and	CCONJ
amae-407	189	11	policymakers	policymaker	NOUN
amae-407	189	12	to	to	PART
amae-407	189	13	understand	understand	VERB
amae-407	189	14	this	this	DET
amae-407	189	15	complex	complex	ADJ
amae-407	189	16	trade	trade	NOUN
amae-407	189	17	-	-	PUNCT
amae-407	189	18	off	off	NOUN
amae-407	189	19	in	in	ADP
amae-407	189	20	order	order	NOUN
amae-407	189	21	to	to	PART
amae-407	189	22	create	create	VERB
amae-407	189	23	policies	policy	NOUN
amae-407	189	24	that	that	PRON
amae-407	189	25	are	be	AUX
amae-407	189	26	supportive	supportive	ADJ
amae-407	189	27	of	of	ADP
amae-407	189	28	and	and	CCONJ
amae-407	189	29	responsive	responsive	ADJ
amae-407	189	30	to	to	ADP
amae-407	189	31	how	how	SCONJ
amae-407	189	32	students	student	NOUN
amae-407	189	33	perceive	perceive	VERB
amae-407	189	34	,	,	PUNCT
amae-407	189	35	and	and	CCONJ
amae-407	189	36	make	make	VERB
amae-407	189	37	sense	sense	NOUN
amae-407	189	38	of	of	ADP
amae-407	189	39	their	their	PRON
amae-407	189	40	debt	debt	NOUN
amae-407	189	41	.	.	PUNCT
amae-407	190	1	acknowledgements	acknowledgement	NOUN
amae-407	190	2	this	this	DET
amae-407	190	3	study	study	NOUN
amae-407	190	4	is	be	AUX
amae-407	190	5	based	base	VERB
amae-407	190	6	upon	upon	SCONJ
amae-407	190	7	work	work	NOUN
amae-407	190	8	supported	support	VERB
amae-407	190	9	by	by	ADP
amae-407	190	10	the	the	DET
amae-407	190	11	university	university	PROPN
amae-407	190	12	of	of	ADP
amae-407	190	13	houston	houston	PROPN
amae-407	190	14	new	new	ADJ
amae-407	190	15	faculty	faculty	NOUN
amae-407	190	16	grant	grant	NOUN
amae-407	190	17	program	program	NOUN
amae-407	190	18	.	.	PUNCT
amae-407	191	1	“	"	PUNCT
amae-407	191	2	without	without	ADP
amae-407	191	3	them	they	PRON
amae-407	191	4	”	"	PUNCT
amae-407	191	5	association	association	NOUN
amae-407	191	6	of	of	ADP
amae-407	191	7	mexican	mexican	PROPN
amae-407	191	8	american	american	PROPN
amae-407	191	9	educators	educator	NOUN
amae-407	191	10	(	(	PUNCT
amae-407	191	11	amae	amae	NOUN
amae-407	191	12	)	)	PUNCT
amae-407	191	13	journal	journal	NOUN
amae-407	191	14	©	©	PROPN
amae-407	191	15	2020	2020	NUM
amae-407	191	16	,	,	PUNCT
amae-407	191	17	volume	volume	NOUN
amae-407	191	18	14	14	NUM
amae-407	191	19	,	,	PUNCT
amae-407	191	20	issue	issue	VERB
amae-407	191	21	3	3	NUM
amae-407	191	22	44	44	NUM
amae-407	191	23	references	reference	NOUN
amae-407	191	24	avery	avery	PROPN
amae-407	191	25	,	,	PUNCT
amae-407	191	26	c.	c.	PROPN
amae-407	191	27	,	,	PUNCT
amae-407	191	28	&	&	CCONJ
amae-407	191	29	turner	turner	PROPN
amae-407	191	30	,	,	PUNCT
amae-407	191	31	s.	s.	PROPN
amae-407	191	32	(	(	PUNCT
amae-407	191	33	2012	2012	NUM
amae-407	191	34	)	)	PUNCT
amae-407	191	35	.	.	PUNCT
amae-407	192	1	student	student	NOUN
amae-407	192	2	loans	loan	NOUN
amae-407	192	3	:	:	PUNCT
amae-407	192	4	do	do	AUX
amae-407	192	5	college	college	NOUN
amae-407	192	6	students	student	NOUN
amae-407	192	7	borrow	borrow	VERB
amae-407	192	8	too	too	ADV
amae-407	192	9	much	much	ADJ
amae-407	192	10	—	—	PUNCT
amae-407	192	11	or	or	CCONJ
amae-407	192	12	not	not	PART
amae-407	192	13	enough	enough	ADJ
amae-407	192	14	?	?	PUNCT
amae-407	193	1	the	the	DET
amae-407	193	2	journal	journal	NOUN
amae-407	193	3	of	of	ADP
amae-407	193	4	economic	economic	ADJ
amae-407	193	5	perspectives	perspective	NOUN
amae-407	193	6	,	,	PUNCT
amae-407	193	7	26(1	26(1	NUM
amae-407	193	8	):	):	PUNCT
amae-407	193	9	165–192	165–192	NUM
amae-407	193	10	.	.	PUNCT
amae-407	194	1	https://doi.org/10.1257/jep.26.1.165	https://doi.org/10.1257/jep.26.1.165	PROPN
amae-407	194	2	akers	akers	PROPN
amae-407	194	3	,	,	PUNCT
amae-407	194	4	b.	b.	PROPN
amae-407	194	5	,	,	PUNCT
amae-407	194	6	&	&	CCONJ
amae-407	194	7	chingos	chingos	PROPN
amae-407	194	8	,	,	PUNCT
amae-407	194	9	m.	m.	NOUN
amae-407	194	10	m.	m.	NOUN
amae-407	194	11	(	(	PUNCT
amae-407	194	12	2014	2014	NUM
amae-407	194	13	)	)	PUNCT
amae-407	194	14	.	.	PUNCT
amae-407	195	1	are	be	AUX
amae-407	195	2	college	college	NOUN
amae-407	195	3	students	student	NOUN
amae-407	195	4	borrowing	borrow	VERB
amae-407	195	5	blindly	blindly	ADV
amae-407	195	6	?	?	PUNCT
amae-407	196	1	brookings	brookings	PROPN
amae-407	196	2	institution	institution	NOUN
amae-407	196	3	press	press	PROPN
amae-407	196	4	.	.	PUNCT
amae-407	197	1	andruska	andruska	PROPN
amae-407	197	2	,	,	PUNCT
amae-407	197	3	e.	e.	PROPN
amae-407	197	4	a.	a.	PROPN
amae-407	197	5	,	,	PUNCT
amae-407	197	6	hogarth	hogarth	NOUN
amae-407	197	7	,	,	PUNCT
amae-407	197	8	j.	j.	PROPN
amae-407	197	9	m.	m.	PROPN
amae-407	197	10	,	,	PUNCT
amae-407	197	11	fletcher	fletcher	PROPN
amae-407	197	12	,	,	PUNCT
amae-407	197	13	c.	c.	PROPN
amae-407	197	14	n.	n.	PROPN
amae-407	197	15	,	,	PUNCT
amae-407	197	16	forbes	forbes	PROPN
amae-407	197	17	,	,	PUNCT
amae-407	197	18	g.	g.	PROPN
amae-407	197	19	r.	r.	PROPN
amae-407	197	20	,	,	PUNCT
amae-407	197	21	&	&	CCONJ
amae-407	197	22	wohlgemuth	wohlgemuth	PROPN
amae-407	197	23	.	.	PUNCT
amae-407	198	1	(	(	PUNCT
amae-407	198	2	2014	2014	NUM
amae-407	198	3	)	)	PUNCT
amae-407	198	4	.	.	PUNCT
amae-407	199	1	do	do	AUX
amae-407	199	2	you	you	PRON
amae-407	199	3	know	know	VERB
amae-407	199	4	what	what	PRON
amae-407	199	5	you	you	PRON
amae-407	199	6	owe	owe	VERB
amae-407	199	7	?	?	PUNCT
amae-407	200	1	students	student	NOUN
amae-407	200	2	’	’	PART
amae-407	200	3	understanding	understanding	NOUN
amae-407	200	4	of	of	ADP
amae-407	200	5	their	their	PRON
amae-407	200	6	student	student	NOUN
amae-407	200	7	loans	loan	NOUN
amae-407	200	8	.	.	PUNCT
amae-407	201	1	journal	journal	NOUN
amae-407	201	2	of	of	ADP
amae-407	201	3	student	student	NOUN
amae-407	201	4	financial	financial	ADJ
amae-407	201	5	aid	aid	NOUN
amae-407	201	6	,	,	PUNCT
amae-407	201	7	44(2	44(2	NOUN
amae-407	201	8	)	)	PUNCT
amae-407	201	9	,	,	PUNCT
amae-407	201	10	125–148	125–148	NUM
amae-407	201	11	.	.	PUNCT
amae-407	202	1	baker	baker	PROPN
amae-407	202	2	,	,	PUNCT
amae-407	202	3	d.	d.	PROPN
amae-407	202	4	j.	j.	PROPN
amae-407	202	5	(	(	PUNCT
amae-407	202	6	2019a	2019a	NUM
amae-407	202	7	)	)	PUNCT
amae-407	202	8	.	.	PUNCT
amae-407	203	1	when	when	SCONJ
amae-407	203	2	average	average	ADJ
amae-407	203	3	is	be	AUX
amae-407	203	4	not	not	PART
amae-407	203	5	enough	enough	ADJ
amae-407	203	6	:	:	PUNCT
amae-407	203	7	a	a	DET
amae-407	203	8	case	case	NOUN
amae-407	203	9	study	study	NOUN
amae-407	203	10	examining	examine	VERB
amae-407	203	11	the	the	DET
amae-407	203	12	variation	variation	NOUN
amae-407	203	13	in	in	ADP
amae-407	203	14	the	the	DET
amae-407	203	15	influences	influence	NOUN
amae-407	203	16	on	on	ADP
amae-407	203	17	undergraduate	undergraduate	ADJ
amae-407	203	18	debt	debt	NOUN
amae-407	203	19	burden	burden	NOUN
amae-407	203	20	.	.	PUNCT
amae-407	204	1	aera	aera	PROPN
amae-407	204	2	open	open	PROPN
amae-407	204	3	,	,	PUNCT
amae-407	204	4	5(2	5(2	NUM
amae-407	204	5	)	)	PUNCT
amae-407	204	6	.	.	PUNCT
amae-407	205	1	1	1	NUM
amae-407	205	2	-	-	SYM
amae-407	205	3	26	26	NUM
amae-407	205	4	.	.	PUNCT
amae-407	206	1	https://doi.org/10.1177/2332858419860153	https://doi.org/10.1177/2332858419860153	PROPN
amae-407	206	2	baker	baker	PROPN
amae-407	206	3	,	,	PUNCT
amae-407	206	4	d.	d.	PROPN
amae-407	206	5	j.	j.	PROPN
amae-407	206	6	(	(	PUNCT
amae-407	206	7	2019b	2019b	NUM
amae-407	206	8	)	)	PUNCT
amae-407	206	9	.	.	PUNCT
amae-407	207	1	a	a	DET
amae-407	207	2	case	case	NOUN
amae-407	207	3	study	study	NOUN
amae-407	207	4	of	of	ADP
amae-407	207	5	undergraduate	undergraduate	ADJ
amae-407	207	6	debt	debt	NOUN
amae-407	207	7	,	,	PUNCT
amae-407	207	8	repayment	repayment	NOUN
amae-407	207	9	plans	plan	NOUN
amae-407	207	10	,	,	PUNCT
amae-407	207	11	and	and	CCONJ
amae-407	207	12	postbaccalaureate	postbaccalaureate	VERB
amae-407	207	13	decision	decision	NOUN
amae-407	207	14	-	-	PUNCT
amae-407	207	15	making	making	NOUN
amae-407	207	16	among	among	ADP
amae-407	207	17	black	black	ADJ
amae-407	207	18	students	student	NOUN
amae-407	207	19	at	at	ADP
amae-407	207	20	hbcus	hbcus	PROPN
amae-407	207	21	.	.	PUNCT
amae-407	208	1	journal	journal	PROPN
amae-407	208	2	of	of	ADP
amae-407	208	3	student	student	NOUN
amae-407	208	4	financial	financial	ADJ
amae-407	208	5	aid	aid	NOUN
amae-407	208	6	,	,	PUNCT
amae-407	208	7	48(2	48(2	NUM
amae-407	208	8	)	)	PUNCT
amae-407	208	9	,	,	PUNCT
amae-407	208	10	1	1	NUM
amae-407	208	11	-	-	SYM
amae-407	208	12	27	27	NUM
amae-407	208	13	.	.	PUNCT
amae-407	209	1	barnard	barnard	PROPN
amae-407	209	2	,	,	PUNCT
amae-407	209	3	j.	j.	PROPN
amae-407	209	4	,	,	PUNCT
amae-407	209	5	dorrance	dorrance	PROPN
amae-407	209	6	,	,	PUNCT
amae-407	209	7	j.	j.	PROPN
amae-407	209	8	,	,	PUNCT
amae-407	209	9	gorham	gorham	PROPN
amae-407	209	10	,	,	PUNCT
amae-407	209	11	l.	l.	PROPN
amae-407	209	12	,	,	PUNCT
amae-407	209	13	collins	collins	PROPN
amae-407	209	14	,	,	PUNCT
amae-407	209	15	a.	a.	PROPN
amae-407	209	16	,	,	PUNCT
amae-407	209	17	daniels	daniels	PROPN
amae-407	209	18	,	,	PUNCT
amae-407	209	19	l.	l.	PROPN
amae-407	209	20	,	,	PUNCT
amae-407	209	21	&	&	CCONJ
amae-407	209	22	poppe	poppe	PROPN
amae-407	209	23	,	,	PUNCT
amae-407	209	24	s.	s.	PROPN
amae-407	209	25	v.	v.	PROPN
amae-407	209	26	(	(	PUNCT
amae-407	209	27	2018	2018	NUM
amae-407	209	28	)	)	PUNCT
amae-407	209	29	.	.	PUNCT
amae-407	210	1	it	it	PRON
amae-407	210	2	made	make	VERB
amae-407	210	3	the	the	DET
amae-407	210	4	sacrifices	sacrifice	NOUN
amae-407	210	5	worth	worth	ADJ
amae-407	210	6	it	it	PRON
amae-407	210	7	:	:	PUNCT
amae-407	210	8	the	the	DET
amae-407	210	9	latino	latino	ADJ
amae-407	210	10	experience	experience	NOUN
amae-407	210	11	in	in	ADP
amae-407	210	12	higher	high	ADJ
amae-407	210	13	education	education	NOUN
amae-407	210	14	.	.	PUNCT
amae-407	211	1	unidosus	unidosus	PROPN
amae-407	211	2	.	.	PUNCT
amae-407	212	1	baum	baum	PROPN
amae-407	212	2	,	,	PUNCT
amae-407	212	3	s.	s.	PROPN
amae-407	212	4	(	(	PUNCT
amae-407	212	5	2016	2016	NUM
amae-407	212	6	)	)	PUNCT
amae-407	212	7	.	.	PUNCT
amae-407	213	1	student	student	NOUN
amae-407	213	2	debt	debt	NOUN
amae-407	213	3	:	:	PUNCT
amae-407	213	4	rhetoric	rhetoric	NOUN
amae-407	213	5	and	and	CCONJ
amae-407	213	6	realities	reality	NOUN
amae-407	213	7	of	of	ADP
amae-407	213	8	higher	high	ADJ
amae-407	213	9	education	education	NOUN
amae-407	213	10	financing	financing	NOUN
amae-407	213	11	.	.	PUNCT
amae-407	214	1	palgrave	palgrave	PROPN
amae-407	214	2	macmillan	macmillan	PROPN
amae-407	214	3	.	.	PROPN
amae-407	214	4	boatman	boatman	PROPN
amae-407	214	5	,	,	PUNCT
amae-407	214	6	a.	a.	PROPN
amae-407	214	7	,	,	PUNCT
amae-407	214	8	evans	evans	PROPN
amae-407	214	9	,	,	PUNCT
amae-407	214	10	b.	b.	PROPN
amae-407	214	11	j.	j.	PROPN
amae-407	214	12	,	,	PUNCT
amae-407	214	13	&	&	CCONJ
amae-407	214	14	soliz	soliz	PROPN
amae-407	214	15	,	,	PUNCT
amae-407	214	16	a.	a.	NOUN
amae-407	214	17	(	(	PUNCT
amae-407	214	18	2017	2017	NUM
amae-407	214	19	)	)	PUNCT
amae-407	214	20	.	.	PUNCT
amae-407	215	1	understanding	understand	VERB
amae-407	215	2	loan	loan	NOUN
amae-407	215	3	aversion	aversion	NOUN
amae-407	215	4	in	in	ADP
amae-407	215	5	education	education	NOUN
amae-407	215	6	:	:	PUNCT
amae-407	215	7	evidence	evidence	NOUN
amae-407	215	8	from	from	ADP
amae-407	215	9	high	high	ADJ
amae-407	215	10	school	school	NOUN
amae-407	215	11	seniors	senior	NOUN
amae-407	215	12	,	,	PUNCT
amae-407	215	13	community	community	NOUN
amae-407	215	14	college	college	NOUN
amae-407	215	15	students	student	NOUN
amae-407	215	16	,	,	PUNCT
amae-407	215	17	and	and	CCONJ
amae-407	215	18	adults	adult	NOUN
amae-407	215	19	.	.	PUNCT
amae-407	216	1	aera	aera	PROPN
amae-407	216	2	open	open	PROPN
amae-407	216	3	,	,	PUNCT
amae-407	216	4	3(1	3(1	NUM
amae-407	216	5	)	)	PUNCT
amae-407	216	6	,	,	PUNCT
amae-407	216	7	1	1	NUM
amae-407	216	8	-	-	SYM
amae-407	216	9	16	16	NUM
amae-407	216	10	.	.	PUNCT
amae-407	217	1	https://doi.org/10.1177/2332858416683649	https://doi.org/10.1177/2332858416683649	ADP
amae-407	217	2	cho	cho	PROPN
amae-407	217	3	,	,	PUNCT
amae-407	217	4	s.	s.	PROPN
amae-407	217	5	h.	h.	PROPN
amae-407	217	6	,	,	PUNCT
amae-407	217	7	xu	xu	PROPN
amae-407	217	8	,	,	PUNCT
amae-407	217	9	y.	y.	PROPN
amae-407	217	10	,	,	PUNCT
amae-407	217	11	&	&	CCONJ
amae-407	217	12	kiss	kiss	PROPN
amae-407	217	13	,	,	PUNCT
amae-407	217	14	d.	d.	PROPN
amae-407	217	15	e.	e.	PROPN
amae-407	217	16	(	(	PUNCT
amae-407	217	17	2015	2015	NUM
amae-407	217	18	)	)	PUNCT
amae-407	217	19	.	.	PUNCT
amae-407	218	1	understanding	understand	VERB
amae-407	218	2	student	student	NOUN
amae-407	218	3	loan	loan	NOUN
amae-407	218	4	decisions	decision	NOUN
amae-407	218	5	:	:	PUNCT
amae-407	218	6	a	a	DET
amae-407	218	7	literature	literature	NOUN
amae-407	218	8	review	review	NOUN
amae-407	218	9	.	.	PUNCT
amae-407	219	1	family	family	NOUN
amae-407	219	2	and	and	CCONJ
amae-407	219	3	consumer	consumer	NOUN
amae-407	219	4	sciences	sciences	PROPN
amae-407	219	5	research	research	NOUN
amae-407	219	6	journal	journal	PROPN
amae-407	219	7	,	,	PUNCT
amae-407	219	8	43(3	43(3	NUM
amae-407	219	9	)	)	PUNCT
amae-407	219	10	,	,	PUNCT
amae-407	219	11	229	229	NUM
amae-407	219	12	-	-	SYM
amae-407	219	13	243	243	NUM
amae-407	219	14	.	.	PUNCT
amae-407	220	1	https://doi.org/10.1111/fcsr.12099	https://doi.org/10.1111/fcsr.12099	PROPN
amae-407	220	2	college	college	PROPN
amae-407	220	3	board	board	NOUN
amae-407	220	4	(	(	PUNCT
amae-407	220	5	2019	2019	NUM
amae-407	220	6	)	)	PUNCT
amae-407	220	7	.	.	PUNCT
amae-407	221	1	trends	trend	NOUN
amae-407	221	2	in	in	ADP
amae-407	221	3	student	student	NOUN
amae-407	221	4	aid	aid	NOUN
amae-407	221	5	.	.	PUNCT
amae-407	222	1	washington	washington	PROPN
amae-407	222	2	,	,	PUNCT
amae-407	222	3	dc	dc	PROPN
amae-407	222	4	:	:	PUNCT
amae-407	222	5	college	college	NOUN
amae-407	222	6	board	board	PROPN
amae-407	222	7	.	.	PUNCT
amae-407	223	1	college	college	NOUN
amae-407	223	2	scorecard	scorecard	NOUN
amae-407	223	3	(	(	PUNCT
amae-407	223	4	2020	2020	NUM
amae-407	223	5	)	)	PUNCT
amae-407	223	6	.	.	PUNCT
amae-407	224	1	u.s	u.s	PROPN
amae-407	224	2	department	department	PROPN
amae-407	224	3	of	of	ADP
amae-407	224	4	education	education	NOUN
amae-407	224	5	.	.	PUNCT
amae-407	225	1	https://collegescorecard.ed.gov/	https://collegescorecard.ed.gov/	PROPN
amae-407	225	2	creswell	creswell	PROPN
amae-407	225	3	,	,	PUNCT
amae-407	225	4	j.	j.	PROPN
amae-407	225	5	w.	w.	PROPN
amae-407	225	6	(	(	PUNCT
amae-407	225	7	2013	2013	NUM
amae-407	225	8	)	)	PUNCT
amae-407	225	9	.	.	PUNCT
amae-407	226	1	qualitative	qualitative	ADJ
amae-407	226	2	inquiry	inquiry	NOUN
amae-407	226	3	and	and	CCONJ
amae-407	226	4	research	research	NOUN
amae-407	226	5	design	design	NOUN
amae-407	226	6	:	:	PUNCT
amae-407	226	7	choosing	choose	VERB
amae-407	226	8	among	among	ADP
amae-407	226	9	the	the	DET
amae-407	226	10	five	five	NUM
amae-407	226	11	approaches	approach	NOUN
amae-407	226	12	.	.	PUNCT
amae-407	227	1	sage	sage	NOUN
amae-407	227	2	.	.	PUNCT
amae-407	228	1	cunningham	cunningham	PROPN
amae-407	228	2	,	,	PUNCT
amae-407	228	3	a.	a.	PROPN
amae-407	228	4	f.	f.	PROPN
amae-407	228	5	,	,	PUNCT
amae-407	228	6	&	&	CCONJ
amae-407	228	7	santiago	santiago	PROPN
amae-407	228	8	,	,	PUNCT
amae-407	228	9	d.	d.	PROPN
amae-407	228	10	a.	a.	PROPN
amae-407	228	11	(	(	PUNCT
amae-407	228	12	2008	2008	NUM
amae-407	228	13	)	)	PUNCT
amae-407	228	14	.	.	PUNCT
amae-407	229	1	student	student	NOUN
amae-407	229	2	aversion	aversion	NOUN
amae-407	229	3	to	to	ADP
amae-407	229	4	borrowing	borrowing	NOUN
amae-407	229	5	:	:	PUNCT
amae-407	229	6	who	who	PRON
amae-407	229	7	borrows	borrow	VERB
amae-407	229	8	and	and	CCONJ
amae-407	229	9	who	who	PRON
amae-407	229	10	does	do	VERB
amae-407	229	11	n't	not	PART
amae-407	229	12	.	.	PUNCT
amae-407	230	1	institute	institute	VERB
amae-407	230	2	for	for	ADP
amae-407	230	3	higher	high	ADJ
amae-407	230	4	education	education	NOUN
amae-407	230	5	policy	policy	NOUN
amae-407	230	6	.	.	PUNCT
amae-407	231	1	https://files.eric.ed.gov/fulltext/	https://files.eric.ed.gov/fulltext/	VERB
amae-407	231	2	ed503684.pdf	ed503684.pdf	ADJ
amae-407	231	3	cunningham	cunningham	PROPN
amae-407	231	4	,	,	PUNCT
amae-407	231	5	a.	a.	PROPN
amae-407	231	6	,	,	PUNCT
amae-407	231	7	park	park	PROPN
amae-407	231	8	,	,	PUNCT
amae-407	231	9	e.	e.	PROPN
amae-407	231	10	,	,	PUNCT
amae-407	231	11	&	&	CCONJ
amae-407	231	12	engle	engle	PROPN
amae-407	231	13	,	,	PUNCT
amae-407	231	14	j.	j.	PROPN
amae-407	231	15	(	(	PUNCT
amae-407	231	16	2014	2014	NUM
amae-407	231	17	)	)	PUNCT
amae-407	231	18	.	.	PUNCT
amae-407	232	1	minority	minority	NOUN
amae-407	232	2	-	-	PUNCT
amae-407	232	3	serving	serve	VERB
amae-407	232	4	institutions	institution	NOUN
amae-407	232	5	:	:	PUNCT
amae-407	232	6	doing	do	VERB
amae-407	232	7	more	more	ADJ
amae-407	232	8	with	with	ADP
amae-407	232	9	less	less	ADJ
amae-407	232	10	.	.	PUNCT
amae-407	233	1	washington	washington	PROPN
amae-407	233	2	,	,	PUNCT
amae-407	233	3	dc	dc	PROPN
amae-407	233	4	:	:	PUNCT
amae-407	233	5	institute	institute	NOUN
amae-407	233	6	for	for	ADP
amae-407	233	7	higher	high	ADJ
amae-407	233	8	education	education	NOUN
amae-407	233	9	policy	policy	NOUN
amae-407	233	10	.	.	PUNCT
amae-407	234	1	dowd	dowd	PROPN
amae-407	234	2	,	,	PUNCT
amae-407	234	3	c.a	c.a	PROPN
amae-407	234	4	.	.	PROPN
amae-407	234	5	,	,	PUNCT
amae-407	234	6	&	&	CCONJ
amae-407	234	7	coury	coury	PROPN
amae-407	234	8	,	,	PUNCT
amae-407	234	9	t.	t.	PROPN
amae-407	234	10	(	(	PUNCT
amae-407	234	11	2006	2006	NUM
amae-407	234	12	)	)	PUNCT
amae-407	234	13	.	.	PUNCT
amae-407	235	1	the	the	DET
amae-407	235	2	effect	effect	NOUN
amae-407	235	3	of	of	ADP
amae-407	235	4	loans	loan	NOUN
amae-407	235	5	on	on	ADP
amae-407	235	6	the	the	DET
amae-407	235	7	persistence	persistence	NOUN
amae-407	235	8	and	and	CCONJ
amae-407	235	9	attainment	attainment	NOUN
amae-407	235	10	of	of	ADP
amae-407	235	11	community	community	NOUN
amae-407	235	12	college	college	NOUN
amae-407	235	13	students	student	NOUN
amae-407	235	14	.	.	PUNCT
amae-407	236	1	research	research	NOUN
amae-407	236	2	in	in	ADP
amae-407	236	3	higher	high	ADJ
amae-407	236	4	education	education	NOUN
amae-407	236	5	,	,	PUNCT
amae-407	236	6	47(1	47(1	NUM
amae-407	236	7	)	)	PUNCT
amae-407	236	8	,	,	PUNCT
amae-407	236	9	33	33	NUM
amae-407	236	10	-	-	SYM
amae-407	236	11	62	62	NUM
amae-407	236	12	.	.	PUNCT
amae-407	237	1	https://doi.org/10.1007/s11162-005-8151-8	https://doi.org/10.1007/s11162-005-8151-8	NUM
amae-407	237	2	fletcher	fletcher	PROPN
amae-407	237	3	,	,	PUNCT
amae-407	237	4	c.	c.	PROPN
amae-407	237	5	,	,	PUNCT
amae-407	237	6	webster	webster	PROPN
amae-407	237	7	,	,	PUNCT
amae-407	237	8	j.	j.	PROPN
amae-407	237	9	,	,	PUNCT
amae-407	237	10	kepfer	kepfer	PROPN
amae-407	237	11	,	,	PUNCT
amae-407	237	12	k.	k.	PROPN
amae-407	237	13	,	,	PUNCT
amae-407	237	14	&	&	CCONJ
amae-407	237	15	fernandez	fernandez	PROPN
amae-407	237	16	,	,	PUNCT
amae-407	237	17	c.	c.	NOUN
amae-407	237	18	(	(	PUNCT
amae-407	237	19	2015	2015	NUM
amae-407	237	20	)	)	PUNCT
amae-407	237	21	.	.	PUNCT
amae-407	238	1	above	above	ADV
amae-407	238	2	and	and	CCONJ
amae-407	238	3	beyond	beyond	ADP
amae-407	238	4	:	:	PUNCT
amae-407	238	5	what	what	PRON
amae-407	238	6	eight	eight	NUM
amae-407	238	7	colleges	college	NOUN
amae-407	238	8	are	be	AUX
amae-407	238	9	doing	do	VERB
amae-407	238	10	to	to	PART
amae-407	238	11	improve	improve	VERB
amae-407	238	12	student	student	NOUN
amae-407	238	13	loan	loan	NOUN
amae-407	238	14	counseling	counseling	NOUN
amae-407	238	15	.	.	PUNCT
amae-407	239	1	round	round	PROPN
amae-407	239	2	rock	rock	PROPN
amae-407	239	3	,	,	PUNCT
amae-407	239	4	tx	tx	PROPN
amae-407	239	5	:	:	PUNCT
amae-407	239	6	trellis	trellis	PROPN
amae-407	239	7	company	company	NOUN
amae-407	239	8	.	.	PUNCT
amae-407	240	1	https://www.trelliscompany.org/wp-content/uploads/2017/02/above-andbeyond.pdf	https://www.trelliscompany.org/wp-content/uploads/2017/02/above-andbeyond.pdf	PROPN
amae-407	240	2	fox	fox	PROPN
amae-407	240	3	,	,	PUNCT
amae-407	240	4	j.	j.	PROPN
amae-407	240	5	j.	j.	PROPN
amae-407	240	6	,	,	PUNCT
amae-407	240	7	bartholomae	bartholomae	PROPN
amae-407	240	8	,	,	PUNCT
amae-407	240	9	s.	s.	PROPN
amae-407	240	10	,	,	PUNCT
amae-407	240	11	letkiewicz	letkiewicz	NOUN
amae-407	240	12	,	,	PUNCT
amae-407	240	13	j.	j.	PROPN
amae-407	240	14	c.	c.	PROPN
amae-407	240	15	,	,	PUNCT
amae-407	240	16	&	&	CCONJ
amae-407	240	17	montalto	montalto	PROPN
amae-407	240	18	,	,	PUNCT
amae-407	240	19	c.	c.	PROPN
amae-407	240	20	p.	p.	PROPN
amae-407	240	21	(	(	PUNCT
amae-407	240	22	2017	2017	NUM
amae-407	240	23	)	)	PUNCT
amae-407	240	24	.	.	PUNCT
amae-407	241	1	college	college	NOUN
amae-407	241	2	student	student	NOUN
amae-407	241	3	debt	debt	NOUN
amae-407	241	4	and	and	CCONJ
amae-407	241	5	anticipated	anticipate	VERB
amae-407	241	6	repayment	repayment	NOUN
amae-407	241	7	difficulty	difficulty	NOUN
amae-407	241	8	.	.	PUNCT
amae-407	242	1	journal	journal	PROPN
amae-407	242	2	of	of	ADP
amae-407	242	3	student	student	NOUN
amae-407	242	4	financial	financial	ADJ
amae-407	242	5	aid	aid	NOUN
amae-407	242	6	,	,	PUNCT
amae-407	242	7	47(2	47(2	PROPN
amae-407	242	8	)	)	PUNCT
amae-407	242	9	,	,	PUNCT
amae-407	242	10	6	6	X
amae-407	242	11	.	.	PUNCT
amae-407	242	12	furquim	furquim	PROPN
amae-407	242	13	,	,	PUNCT
amae-407	242	14	f.	f.	PROPN
amae-407	242	15	,	,	PUNCT
amae-407	242	16	glasener	glasener	PROPN
amae-407	242	17	,	,	PUNCT
amae-407	242	18	k.m	k.m	PROPN
amae-407	242	19	.	.	PROPN
amae-407	242	20	,	,	PUNCT
amae-407	242	21	oster	oster	NOUN
amae-407	242	22	,	,	PUNCT
amae-407	242	23	m.	m.	NOUN
amae-407	242	24	,	,	PUNCT
amae-407	242	25	mccall	mccall	PROPN
amae-407	242	26	,	,	PUNCT
amae-407	242	27	b.p	b.p	PROPN
amae-407	242	28	.	.	PROPN
amae-407	242	29	,	,	PUNCT
amae-407	242	30	&	&	CCONJ
amae-407	242	31	desjardins	desjardins	PROPN
amae-407	242	32	,	,	PUNCT
amae-407	242	33	s.l	s.l	PROPN
amae-407	242	34	.	.	PROPN
amae-407	242	35	(	(	PUNCT
amae-407	242	36	2017	2017	NUM
amae-407	242	37	)	)	PUNCT
amae-407	242	38	.	.	PUNCT
amae-407	243	1	navigating	navigate	VERB
amae-407	243	2	the	the	DET
amae-407	243	3	financial	financial	ADJ
amae-407	243	4	aid	aid	NOUN
amae-407	243	5	process	process	NOUN
amae-407	243	6	:	:	PUNCT
amae-407	243	7	borrowing	borrow	VERB
amae-407	243	8	outcomes	outcome	NOUN
amae-407	243	9	among	among	ADP
amae-407	243	10	first	first	ADJ
amae-407	243	11	-	-	PUNCT
amae-407	243	12	generation	generation	NOUN
amae-407	243	13	and	and	CCONJ
amae-407	243	14	non	non	ADJ
amae-407	243	15	-	-	ADJ
amae-407	243	16	first	first	ADJ
amae-407	243	17	https://doi.org/10.1257/jep.26.1.165	https://doi.org/10.1257/jep.26.1.165	PROPN
amae-407	243	18	https://doi.org/10.1177/2332858419860153	https://doi.org/10.1177/2332858419860153	X
amae-407	243	19	https://doi.org/10.1177/2332858416683649	https://doi.org/10.1177/2332858416683649	X
amae-407	243	20	https://doi.org/10.1111/fcsr.12099	https://doi.org/10.1111/fcsr.12099	PROPN
amae-407	243	21	https://collegescorecard.ed.gov/	https://collegescorecard.ed.gov/	PROPN
amae-407	243	22	https://doi.org/10.1007/s11162-005-8151-8	https://doi.org/10.1007/s11162-005-8151-8	NUM
amae-407	243	23	carales	carale	NOUN
amae-407	243	24	,	,	PUNCT
amae-407	243	25	molina	molina	PROPN
amae-407	243	26	&	&	CCONJ
amae-407	243	27	hooker	hooker	PROPN
amae-407	243	28	association	association	PROPN
amae-407	243	29	of	of	ADP
amae-407	243	30	mexican	mexican	PROPN
amae-407	243	31	american	american	PROPN
amae-407	243	32	educators	educator	NOUN
amae-407	243	33	(	(	PUNCT
amae-407	243	34	amae	amae	NOUN
amae-407	243	35	)	)	PUNCT
amae-407	243	36	journal	journal	NOUN
amae-407	243	37	©	©	PROPN
amae-407	243	38	2020	2020	NUM
amae-407	243	39	,	,	PUNCT
amae-407	243	40	volume	volume	NOUN
amae-407	243	41	14	14	NUM
amae-407	243	42	,	,	PUNCT
amae-407	243	43	issue	issue	VERB
amae-407	243	44	3	3	NUM
amae-407	243	45	45	45	NUM
amae-407	243	46	generation	generation	NOUN
amae-407	243	47	students	student	NOUN
amae-407	243	48	.	.	PUNCT
amae-407	244	1	annals	annal	NOUN
amae-407	244	2	of	of	ADP
amae-407	244	3	the	the	DET
amae-407	244	4	american	american	PROPN
amae-407	244	5	academy	academy	PROPN
amae-407	244	6	of	of	ADP
amae-407	244	7	political	political	ADJ
amae-407	244	8	and	and	CCONJ
amae-407	244	9	social	social	ADJ
amae-407	244	10	science	science	NOUN
amae-407	244	11	,	,	PUNCT
amae-407	244	12	671(1	671(1	NUM
amae-407	244	13	)	)	PUNCT
amae-407	244	14	,	,	PUNCT
amae-407	244	15	69–91	69–91	NUM
amae-407	244	16	.	.	PUNCT
amae-407	245	1	garcia	garcia	PROPN
amae-407	245	2	,	,	PUNCT
amae-407	245	3	g.	g.	PROPN
amae-407	245	4	a.	a.	PROPN
amae-407	245	5	,	,	PUNCT
amae-407	245	6	núñez	núñez	PROPN
amae-407	245	7	,	,	PUNCT
amae-407	245	8	a.	a.	NOUN
amae-407	245	9	m.	m.	NOUN
amae-407	245	10	,	,	PUNCT
amae-407	245	11	&	&	CCONJ
amae-407	245	12	sansone	sansone	PROPN
amae-407	245	13	,	,	PUNCT
amae-407	245	14	v.	v.	ADP
amae-407	245	15	a.	a.	NOUN
amae-407	245	16	(	(	PUNCT
amae-407	245	17	2019	2019	NUM
amae-407	245	18	)	)	PUNCT
amae-407	245	19	.	.	PUNCT
amae-407	246	1	toward	toward	ADP
amae-407	246	2	a	a	DET
amae-407	246	3	multidimensional	multidimensional	ADJ
amae-407	246	4	conceptual	conceptual	ADJ
amae-407	246	5	framework	framework	NOUN
amae-407	246	6	for	for	ADP
amae-407	246	7	understanding	understand	VERB
amae-407	246	8	“	"	PUNCT
amae-407	246	9	servingness	servingness	NOUN
amae-407	246	10	”	"	PUNCT
amae-407	246	11	in	in	ADP
amae-407	246	12	hispanic	hispanic	ADJ
amae-407	246	13	-	-	PUNCT
amae-407	246	14	serving	serve	VERB
amae-407	246	15	institutions	institution	NOUN
amae-407	246	16	:	:	PUNCT
amae-407	246	17	a	a	DET
amae-407	246	18	synthesis	synthesis	NOUN
amae-407	246	19	of	of	ADP
amae-407	246	20	the	the	DET
amae-407	246	21	research	research	NOUN
amae-407	246	22	.	.	PUNCT
amae-407	247	1	review	review	NOUN
amae-407	247	2	of	of	ADP
amae-407	247	3	educational	educational	ADJ
amae-407	247	4	research	research	NOUN
amae-407	247	5	,	,	PUNCT
amae-407	247	6	89(5	89(5	NUM
amae-407	247	7	)	)	PUNCT
amae-407	247	8	,	,	PUNCT
amae-407	247	9	745	745	NUM
amae-407	247	10	-	-	SYM
amae-407	247	11	784	784	NUM
amae-407	247	12	.	.	PUNCT
amae-407	248	1	https://doi.org/10.3102/0034654319864591	https://doi.org/10.3102/0034654319864591	PUNCT
amae-407	248	2	gonzalez	gonzalez	PROPN
amae-407	248	3	,	,	PUNCT
amae-407	248	4	e.	e.	PROPN
amae-407	248	5	,	,	PUNCT
amae-407	248	6	ortega	ortega	PROPN
amae-407	248	7	,	,	PUNCT
amae-407	248	8	g.	g.	PROPN
amae-407	248	9	,	,	PUNCT
amae-407	248	10	molina	molina	PROPN
amae-407	248	11	,	,	PUNCT
amae-407	248	12	m.	m.	NOUN
amae-407	248	13	,	,	PUNCT
amae-407	248	14	&	&	CCONJ
amae-407	248	15	lizalde	lizalde	PROPN
amae-407	248	16	,	,	PUNCT
amae-407	248	17	g.	g.	PROPN
amae-407	248	18	(	(	PUNCT
amae-407	248	19	2020	2020	NUM
amae-407	248	20	)	)	PUNCT
amae-407	248	21	.	.	PUNCT
amae-407	249	1	what	what	PRON
amae-407	249	2	does	do	AUX
amae-407	249	3	it	it	PRON
amae-407	249	4	mean	mean	VERB
amae-407	249	5	to	to	PART
amae-407	249	6	be	be	AUX
amae-407	249	7	a	a	DET
amae-407	249	8	hispanic	hispanic	ADJ
amae-407	249	9	serving	serve	VERB
amae-407	249	10	institution	institution	NOUN
amae-407	249	11	?	?	PUNCT
amae-407	250	1	listening	listen	VERB
amae-407	250	2	to	to	ADP
amae-407	250	3	the	the	DET
amae-407	250	4	latina	latina	NOUN
amae-407	250	5	/	/	SYM
amae-407	250	6	o	o	NOUN
amae-407	250	7	/	/	SYM
amae-407	250	8	x	x	ADP
amae-407	250	9	voices	voice	NOUN
amae-407	250	10	of	of	ADP
amae-407	250	11	students	student	NOUN
amae-407	250	12	.	.	PUNCT
amae-407	251	1	international	international	ADJ
amae-407	251	2	journal	journal	PROPN
amae-407	251	3	of	of	ADP
amae-407	251	4	qualitative	qualitative	ADJ
amae-407	251	5	studies	study	NOUN
amae-407	251	6	in	in	ADP
amae-407	251	7	education	education	NOUN
amae-407	251	8	,	,	PUNCT
amae-407	251	9	33(8	33(8	NUM
amae-407	251	10	)	)	PUNCT
amae-407	251	11	,	,	PUNCT
amae-407	251	12	796–809	796–809	NUM
amae-407	251	13	.	.	PUNCT
amae-407	252	1	henager	henager	PROPN
amae-407	252	2	,	,	PUNCT
amae-407	252	3	r.	r.	PROPN
amae-407	252	4	,	,	PUNCT
amae-407	252	5	&	&	CCONJ
amae-407	252	6	wilmarth	wilmarth	NOUN
amae-407	252	7	,	,	PUNCT
amae-407	252	8	m.	m.	NOUN
amae-407	252	9	j.	j.	PROPN
amae-407	252	10	(	(	PUNCT
amae-407	252	11	2018	2018	NUM
amae-407	252	12	)	)	PUNCT
amae-407	252	13	.	.	PUNCT
amae-407	253	1	the	the	DET
amae-407	253	2	relationship	relationship	NOUN
amae-407	253	3	between	between	ADP
amae-407	253	4	student	student	NOUN
amae-407	253	5	loan	loan	NOUN
amae-407	253	6	debt	debt	NOUN
amae-407	253	7	and	and	CCONJ
amae-407	253	8	financial	financial	ADJ
amae-407	253	9	wellness	wellness	NOUN
amae-407	253	10	.	.	PUNCT
amae-407	254	1	family	family	NOUN
amae-407	254	2	and	and	CCONJ
amae-407	254	3	consumer	consumer	NOUN
amae-407	254	4	sciences	sciences	PROPN
amae-407	254	5	research	research	NOUN
amae-407	254	6	journal	journal	NOUN
amae-407	254	7	,	,	PUNCT
amae-407	254	8	46(4	46(4	NOUN
amae-407	254	9	)	)	PUNCT
amae-407	254	10	,	,	PUNCT
amae-407	254	11	381	381	NUM
amae-407	254	12	-	-	SYM
amae-407	254	13	395	395	NUM
amae-407	254	14	.	.	PUNCT
amae-407	255	1	https://doi.org/10.1111/fcsr.12263	https://doi.org/10.1111/fcsr.12263	X
amae-407	255	2	hira	hira	PROPN
amae-407	255	3	,	,	PUNCT
amae-407	255	4	t.	t.	PROPN
amae-407	255	5	k.	k.	PROPN
amae-407	255	6	,	,	PUNCT
amae-407	255	7	anderson	anderson	PROPN
amae-407	255	8	,	,	PUNCT
amae-407	255	9	m.	m.	NOUN
amae-407	255	10	m.	m.	PROPN
amae-407	255	11	,	,	PUNCT
amae-407	255	12	&	&	CCONJ
amae-407	255	13	petersen	petersen	PROPN
amae-407	255	14	,	,	PUNCT
amae-407	255	15	k.	k.	PROPN
amae-407	255	16	(	(	PUNCT
amae-407	255	17	2000	2000	NUM
amae-407	255	18	)	)	PUNCT
amae-407	255	19	.	.	PUNCT
amae-407	256	1	students	student	NOUN
amae-407	256	2	'	'	PART
amae-407	256	3	perceptions	perception	NOUN
amae-407	256	4	of	of	ADP
amae-407	256	5	their	their	PRON
amae-407	256	6	education	education	NOUN
amae-407	256	7	debt	debt	NOUN
amae-407	256	8	and	and	CCONJ
amae-407	256	9	its	its	PRON
amae-407	256	10	impact	impact	NOUN
amae-407	256	11	on	on	ADP
amae-407	256	12	life	life	NOUN
amae-407	256	13	after	after	ADP
amae-407	256	14	graduation	graduation	NOUN
amae-407	256	15	.	.	PUNCT
amae-407	257	1	journal	journal	PROPN
amae-407	257	2	of	of	ADP
amae-407	257	3	student	student	NOUN
amae-407	257	4	financial	financial	ADJ
amae-407	257	5	aid	aid	NOUN
amae-407	257	6	,	,	PUNCT
amae-407	257	7	30(1	30(1	NUM
amae-407	257	8	)	)	PUNCT
amae-407	257	9	,	,	PUNCT
amae-407	257	10	1	1	NUM
amae-407	257	11	-	-	SYM
amae-407	257	12	19	19	NUM
amae-407	257	13	.	.	PUNCT
amae-407	257	14	hispanic	hispanic	ADJ
amae-407	257	15	association	association	PROPN
amae-407	257	16	of	of	ADP
amae-407	257	17	colleges	college	NOUN
amae-407	257	18	and	and	CCONJ
amae-407	257	19	universities	university	NOUN
amae-407	257	20	.	.	PUNCT
amae-407	258	1	(	(	PUNCT
amae-407	258	2	2020	2020	NUM
amae-407	258	3	)	)	PUNCT
amae-407	258	4	.	.	PUNCT
amae-407	259	1	2020	2020	NUM
amae-407	259	2	fact	fact	NOUN
amae-407	259	3	sheet	sheet	NOUN
amae-407	259	4	:	:	PUNCT
amae-407	259	5	hispanic	hispanic	VERB
amae-407	259	6	higher	high	ADJ
amae-407	259	7	education	education	NOUN
amae-407	259	8	and	and	CCONJ
amae-407	259	9	hispanic	hispanic	ADJ
amae-407	259	10	-	-	PUNCT
amae-407	259	11	serving	serve	VERB
amae-407	259	12	institutions	institution	NOUN
amae-407	259	13	(	(	PUNCT
amae-407	259	14	hsis	hsis	NOUN
amae-407	259	15	)	)	PUNCT
amae-407	259	16	.	.	PUNCT
amae-407	260	1	https://cqrcengage.com/hacu/file/xhcqpbig2rp/2020_hsi_factsheet.pdf	https://cqrcengage.com/hacu/file/xhcqpbig2rp/2020_hsi_factsheet.pdf	PROPN
amae-407	260	2	johnson	johnson	PROPN
amae-407	260	3	,	,	PUNCT
amae-407	260	4	c.	c.	PROPN
amae-407	260	5	l.	l.	PROPN
amae-407	260	6	,	,	PUNCT
amae-407	260	7	o’neill	o’neill	PROPN
amae-407	260	8	,	,	PUNCT
amae-407	260	9	b.	b.	PROPN
amae-407	260	10	,	,	PUNCT
amae-407	260	11	worthy	worthy	ADJ
amae-407	260	12	,	,	PUNCT
amae-407	260	13	s.	s.	PROPN
amae-407	260	14	l.	l.	PROPN
amae-407	260	15	,	,	PUNCT
amae-407	260	16	lown	lown	PROPN
amae-407	260	17	,	,	PUNCT
amae-407	260	18	j.	j.	PROPN
amae-407	260	19	m.	m.	PROPN
amae-407	260	20	,	,	PUNCT
amae-407	260	21	&	&	CCONJ
amae-407	260	22	bowen	bowen	PROPN
amae-407	260	23	,	,	PUNCT
amae-407	260	24	c.	c.	PROPN
amae-407	260	25	f.	f.	PROPN
amae-407	260	26	(	(	PUNCT
amae-407	260	27	2016	2016	NUM
amae-407	260	28	)	)	PUNCT
amae-407	260	29	.	.	PUNCT
amae-407	261	1	what	what	PRON
amae-407	261	2	are	be	AUX
amae-407	261	3	student	student	NOUN
amae-407	261	4	loan	loan	NOUN
amae-407	261	5	borrowers	borrower	NOUN
amae-407	261	6	thinking	think	VERB
amae-407	261	7	?	?	PUNCT
amae-407	262	1	insights	insight	NOUN
amae-407	262	2	from	from	ADP
amae-407	262	3	focus	focus	NOUN
amae-407	262	4	groups	group	NOUN
amae-407	262	5	on	on	ADP
amae-407	262	6	college	college	NOUN
amae-407	262	7	selection	selection	NOUN
amae-407	262	8	and	and	CCONJ
amae-407	262	9	student	student	NOUN
amae-407	262	10	loan	loan	NOUN
amae-407	262	11	decision	decision	NOUN
amae-407	262	12	making	making	NOUN
amae-407	262	13	.	.	PUNCT
amae-407	263	1	journal	journal	NOUN
amae-407	263	2	of	of	ADP
amae-407	263	3	financial	financial	ADJ
amae-407	263	4	counseling	counseling	NOUN
amae-407	263	5	and	and	CCONJ
amae-407	263	6	planning	planning	NOUN
amae-407	263	7	,	,	PUNCT
amae-407	263	8	27(2	27(2	PRON
amae-407	263	9	)	)	PUNCT
amae-407	263	10	,	,	PUNCT
amae-407	263	11	184	184	NUM
amae-407	263	12	-	-	SYM
amae-407	263	13	198	198	NUM
amae-407	263	14	.	.	PUNCT
amae-407	264	1	https://doi.org/10.1891/1052-3073.27.2.184	https://doi.org/10.1891/1052-3073.27.2.184	PROPN
amae-407	264	2	kim	kim	PROPN
amae-407	264	3	,	,	PUNCT
amae-407	264	4	d.	d.	PROPN
amae-407	264	5	(	(	PUNCT
amae-407	264	6	2007	2007	NUM
amae-407	264	7	)	)	PUNCT
amae-407	264	8	.	.	PUNCT
amae-407	265	1	multilevel	multilevel	ADJ
amae-407	265	2	analysis	analysis	NOUN
amae-407	265	3	of	of	ADP
amae-407	265	4	the	the	DET
amae-407	265	5	effect	effect	NOUN
amae-407	265	6	of	of	ADP
amae-407	265	7	loans	loan	NOUN
amae-407	265	8	on	on	ADP
amae-407	265	9	students	student	NOUN
amae-407	265	10	’	'	PUNCT
amae-407	265	11	degree	degree	NOUN
amae-407	265	12	attainment	attainment	NOUN
amae-407	265	13	:	:	PUNCT
amae-407	265	14	differences	difference	NOUN
amae-407	265	15	by	by	ADP
amae-407	265	16	student	student	NOUN
amae-407	265	17	and	and	CCONJ
amae-407	265	18	institutional	institutional	ADJ
amae-407	265	19	characteristics	characteristic	NOUN
amae-407	265	20	.	.	PUNCT
amae-407	266	1	harvard	harvard	PROPN
amae-407	266	2	educational	educational	PROPN
amae-407	266	3	review	review	PROPN
amae-407	266	4	,	,	PUNCT
amae-407	266	5	177(1	177(1	NUM
amae-407	266	6	)	)	PUNCT
amae-407	266	7	,	,	PUNCT
amae-407	266	8	64	64	NUM
amae-407	266	9	-	-	SYM
amae-407	266	10	100	100	NUM
amae-407	266	11	.	.	PUNCT
amae-407	267	1	malcom	malcom	PROPN
amae-407	267	2	,	,	PUNCT
amae-407	267	3	l.	l.	PROPN
amae-407	267	4	e.	e.	PROPN
amae-407	267	5	,	,	PUNCT
amae-407	267	6	&	&	CCONJ
amae-407	267	7	dowd	dowd	PROPN
amae-407	267	8	,	,	PUNCT
amae-407	267	9	a.	a.	PROPN
amae-407	267	10	c.	c.	PROPN
amae-407	267	11	(	(	PUNCT
amae-407	267	12	2012	2012	NUM
amae-407	267	13	)	)	PUNCT
amae-407	267	14	.	.	PUNCT
amae-407	268	1	the	the	DET
amae-407	268	2	impact	impact	NOUN
amae-407	268	3	of	of	ADP
amae-407	268	4	undergraduate	undergraduate	ADJ
amae-407	268	5	debt	debt	NOUN
amae-407	268	6	on	on	ADP
amae-407	268	7	the	the	DET
amae-407	268	8	graduate	graduate	NOUN
amae-407	268	9	school	school	NOUN
amae-407	268	10	enrollment	enrollment	NOUN
amae-407	268	11	of	of	ADP
amae-407	268	12	stem	stem	NOUN
amae-407	268	13	baccalaureates	baccalaureate	NOUN
amae-407	268	14	.	.	PUNCT
amae-407	269	1	the	the	DET
amae-407	269	2	review	review	NOUN
amae-407	269	3	of	of	ADP
amae-407	269	4	higher	high	ADJ
amae-407	269	5	education	education	NOUN
amae-407	269	6	,	,	PUNCT
amae-407	269	7	35(2	35(2	NUM
amae-407	269	8	)	)	PUNCT
amae-407	269	9	,	,	PUNCT
amae-407	269	10	265	265	NUM
amae-407	269	11	-	-	SYM
amae-407	269	12	305	305	NUM
amae-407	269	13	.	.	PUNCT
amae-407	270	1	https://doi.org/10.1353/rhe.2012.0007	https://doi.org/10.1353/rhe.2012.0007	PROPN
amae-407	270	2	mckinney	mckinney	PROPN
amae-407	270	3	,	,	PUNCT
amae-407	270	4	l.	l.	PROPN
amae-407	270	5	&	&	CCONJ
amae-407	270	6	burridge	burridge	PROPN
amae-407	270	7	,	,	PUNCT
amae-407	270	8	a.b	a.b	PROPN
amae-407	270	9	.	.	PROPN
amae-407	270	10	(	(	PUNCT
amae-407	270	11	2015	2015	NUM
amae-407	270	12	)	)	PUNCT
amae-407	270	13	.	.	PUNCT
amae-407	271	1	helping	help	VERB
amae-407	271	2	or	or	CCONJ
amae-407	271	3	hindering	hinder	VERB
amae-407	271	4	?	?	PUNCT
amae-407	272	1	the	the	DET
amae-407	272	2	effects	effect	NOUN
amae-407	272	3	of	of	ADP
amae-407	272	4	loans	loan	NOUN
amae-407	272	5	on	on	ADP
amae-407	272	6	community	community	NOUN
amae-407	272	7	college	college	NOUN
amae-407	272	8	student	student	NOUN
amae-407	272	9	persistence	persistence	NOUN
amae-407	272	10	.	.	PUNCT
amae-407	273	1	research	research	NOUN
amae-407	273	2	in	in	ADP
amae-407	273	3	higher	high	ADJ
amae-407	273	4	education	education	NOUN
amae-407	273	5	,	,	PUNCT
amae-407	273	6	56(4	56(4	NOUN
amae-407	273	7	)	)	PUNCT
amae-407	273	8	,	,	PUNCT
amae-407	273	9	299	299	NUM
amae-407	273	10	-	-	SYM
amae-407	273	11	324	324	NUM
amae-407	273	12	.	.	PUNCT
amae-407	274	1	mckinney	mckinney	PROPN
amae-407	274	2	,	,	PUNCT
amae-407	274	3	l.	l.	PROPN
amae-407	274	4	,	,	PUNCT
amae-407	274	5	mukherjee	mukherjee	PROPN
amae-407	274	6	,	,	PUNCT
amae-407	274	7	m.	m.	NOUN
amae-407	274	8	,	,	PUNCT
amae-407	274	9	wade	wade	PROPN
amae-407	274	10	,	,	PUNCT
amae-407	274	11	j.	j.	PROPN
amae-407	274	12	,	,	PUNCT
amae-407	274	13	shefman	shefman	NOUN
amae-407	274	14	,	,	PUNCT
amae-407	274	15	p.	p.	NOUN
amae-407	274	16	,	,	PUNCT
amae-407	274	17	&	&	CCONJ
amae-407	274	18	breed	breed	PROPN
amae-407	274	19	,	,	PUNCT
amae-407	274	20	r.	r.	PROPN
amae-407	274	21	(	(	PUNCT
amae-407	274	22	2015	2015	NUM
amae-407	274	23	)	)	PUNCT
amae-407	274	24	.	.	PUNCT
amae-407	275	1	community	community	NOUN
amae-407	275	2	college	college	NOUN
amae-407	275	3	students	student	NOUN
amae-407	275	4	’	'	PUNCT
amae-407	275	5	assessments	assessment	NOUN
amae-407	275	6	of	of	ADP
amae-407	275	7	the	the	DET
amae-407	275	8	costs	cost	NOUN
amae-407	275	9	and	and	CCONJ
amae-407	275	10	benefits	benefit	NOUN
amae-407	275	11	of	of	ADP
amae-407	275	12	borrowing	borrowing	NOUN
amae-407	275	13	to	to	PART
amae-407	275	14	finance	finance	VERB
amae-407	275	15	higher	high	ADJ
amae-407	275	16	education	education	NOUN
amae-407	275	17	.	.	PUNCT
amae-407	276	1	community	community	NOUN
amae-407	276	2	college	college	NOUN
amae-407	276	3	review	review	PROPN
amae-407	276	4	,	,	PUNCT
amae-407	276	5	43(4	43(4	NOUN
amae-407	276	6	)	)	PUNCT
amae-407	276	7	,	,	PUNCT
amae-407	276	8	329	329	NUM
amae-407	276	9	-	-	SYM
amae-407	276	10	354	354	NUM
amae-407	276	11	.	.	PUNCT
amae-407	277	1	https://doi.org/10.1177/0091552115594669	https://doi.org/10.1177/0091552115594669	NOUN
amae-407	277	2	milner	milner	NOUN
amae-407	277	3	iv	iv	X
amae-407	277	4	,	,	PUNCT
amae-407	277	5	h.	h.	PROPN
amae-407	277	6	r.	r.	PROPN
amae-407	277	7	(	(	PUNCT
amae-407	277	8	2007	2007	NUM
amae-407	277	9	)	)	PUNCT
amae-407	277	10	.	.	PUNCT
amae-407	278	1	race	race	NOUN
amae-407	278	2	,	,	PUNCT
amae-407	278	3	culture	culture	NOUN
amae-407	278	4	,	,	PUNCT
amae-407	278	5	and	and	CCONJ
amae-407	278	6	researcher	researcher	NOUN
amae-407	278	7	positionality	positionality	NOUN
amae-407	278	8	:	:	PUNCT
amae-407	278	9	working	work	VERB
amae-407	278	10	through	through	ADP
amae-407	278	11	dangers	danger	NOUN
amae-407	278	12	seen	see	VERB
amae-407	278	13	,	,	PUNCT
amae-407	278	14	unseen	unseen	ADJ
amae-407	278	15	,	,	PUNCT
amae-407	278	16	and	and	CCONJ
amae-407	278	17	unforeseen	unforeseen	ADJ
amae-407	278	18	.	.	PUNCT
amae-407	279	1	educational	educational	ADJ
amae-407	279	2	researcher	researcher	NOUN
amae-407	279	3	,	,	PUNCT
amae-407	279	4	36(7	36(7	NUM
amae-407	279	5	)	)	PUNCT
amae-407	279	6	,	,	PUNCT
amae-407	279	7	388	388	NUM
amae-407	279	8	-	-	SYM
amae-407	279	9	400	400	NUM
amae-407	279	10	.	.	PUNCT
amae-407	280	1	moustakas	moustakas	PROPN
amae-407	280	2	,	,	PUNCT
amae-407	280	3	c.	c.	PROPN
amae-407	280	4	(	(	PUNCT
amae-407	280	5	1994	1994	NUM
amae-407	280	6	)	)	PUNCT
amae-407	280	7	.	.	PUNCT
amae-407	281	1	phenomenological	phenomenological	ADJ
amae-407	281	2	research	research	NOUN
amae-407	281	3	methods	method	NOUN
amae-407	281	4	.	.	PUNCT
amae-407	282	1	sage	sage	NOUN
amae-407	282	2	.	.	PUNCT
amae-407	283	1	museus	museus	PROPN
amae-407	283	2	,	,	PUNCT
amae-407	283	3	s.	s.	PROPN
amae-407	283	4	d.	d.	PROPN
amae-407	283	5	(	(	PUNCT
amae-407	283	6	2010	2010	NUM
amae-407	283	7	)	)	PUNCT
amae-407	283	8	.	.	PUNCT
amae-407	284	1	understanding	understand	VERB
amae-407	284	2	racial	racial	ADJ
amae-407	284	3	differences	difference	NOUN
amae-407	284	4	in	in	ADP
amae-407	284	5	the	the	DET
amae-407	284	6	effects	effect	NOUN
amae-407	284	7	of	of	ADP
amae-407	284	8	loans	loan	NOUN
amae-407	284	9	on	on	ADP
amae-407	284	10	degree	degree	NOUN
amae-407	284	11	attainment	attainment	NOUN
amae-407	284	12	:	:	PUNCT
amae-407	284	13	a	a	DET
amae-407	284	14	path	path	NOUN
amae-407	284	15	analysis	analysis	NOUN
amae-407	284	16	.	.	PUNCT
amae-407	285	1	journal	journal	PROPN
amae-407	285	2	of	of	ADP
amae-407	285	3	college	college	NOUN
amae-407	285	4	student	student	NOUN
amae-407	285	5	retention	retention	NOUN
amae-407	285	6	:	:	PUNCT
amae-407	285	7	research	research	NOUN
amae-407	285	8	,	,	PUNCT
amae-407	285	9	theory	theory	NOUN
amae-407	285	10	&	&	CCONJ
amae-407	285	11	practice	practice	NOUN
amae-407	285	12	,	,	PUNCT
amae-407	285	13	11(4	11(4	NUM
amae-407	285	14	)	)	PUNCT
amae-407	285	15	,	,	PUNCT
amae-407	285	16	499	499	NUM
amae-407	285	17	-	-	SYM
amae-407	285	18	527	527	NUM
amae-407	285	19	.	.	PUNCT
amae-407	286	1	https://doi.org/10.2190/cs.11.4.d	https://doi.org/10.2190/cs.11.4.d	NOUN
amae-407	286	2	noopila	noopila	NOUN
amae-407	286	3	,	,	PUNCT
amae-407	286	4	m.	m.	NOUN
amae-407	286	5	y.	y.	PROPN
amae-407	286	6	,	,	PUNCT
amae-407	286	7	&	&	CCONJ
amae-407	286	8	williams	williams	PROPN
amae-407	286	9	pichon	pichon	PROPN
amae-407	286	10	,	,	PUNCT
amae-407	286	11	h.	h.	PROPN
amae-407	286	12	(	(	PUNCT
amae-407	286	13	2020	2020	NUM
amae-407	286	14	)	)	PUNCT
amae-407	286	15	.	.	PUNCT
amae-407	287	1	the	the	DET
amae-407	287	2	influence	influence	NOUN
amae-407	287	3	of	of	ADP
amae-407	287	4	stafford	stafford	PROPN
amae-407	287	5	loan	loan	NOUN
amae-407	287	6	debtload	debtload	NOUN
amae-407	287	7	on	on	ADP
amae-407	287	8	persistence	persistence	NOUN
amae-407	287	9	among	among	ADP
amae-407	287	10	historically	historically	ADV
amae-407	287	11	underserved	underserved	ADJ
amae-407	287	12	populations	population	NOUN
amae-407	287	13	at	at	ADP
amae-407	287	14	a	a	DET
amae-407	287	15	hispanic	hispanic	ADJ
amae-407	287	16	serving	serve	VERB
amae-407	287	17	institution	institution	NOUN
amae-407	287	18	.	.	PUNCT
amae-407	288	1	journal	journal	NOUN
amae-407	288	2	of	of	ADP
amae-407	288	3	student	student	NOUN
amae-407	288	4	financial	financial	ADJ
amae-407	288	5	aid	aid	NOUN
amae-407	288	6	,	,	PUNCT
amae-407	288	7	49(3	49(3	PROPN
amae-407	288	8	)	)	PUNCT
amae-407	288	9	,	,	PUNCT
amae-407	288	10	1	1	NUM
amae-407	288	11	-	-	SYM
amae-407	288	12	28	28	NUM
amae-407	288	13	.	.	PUNCT
amae-407	289	1	norvilitis	norvilitis	PROPN
amae-407	289	2	,	,	PUNCT
amae-407	289	3	j.	j.	PROPN
amae-407	289	4	m.	m.	PROPN
amae-407	289	5	,	,	PUNCT
amae-407	289	6	&	&	CCONJ
amae-407	289	7	batt	batt	NOUN
amae-407	289	8	,	,	PUNCT
amae-407	289	9	m.	m.	NOUN
amae-407	289	10	j.	j.	PROPN
amae-407	289	11	(	(	PUNCT
amae-407	289	12	2016	2016	NUM
amae-407	289	13	)	)	PUNCT
amae-407	289	14	.	.	PUNCT
amae-407	290	1	beyond	beyond	ADP
amae-407	290	2	financial	financial	ADJ
amae-407	290	3	need	need	NOUN
amae-407	290	4	:	:	PUNCT
amae-407	290	5	predictors	predictor	NOUN
amae-407	290	6	of	of	ADP
amae-407	290	7	student	student	NOUN
amae-407	290	8	loans	loan	NOUN
amae-407	290	9	and	and	CCONJ
amae-407	290	10	student	student	NOUN
amae-407	290	11	loan	loan	NOUN
amae-407	290	12	attitudes	attitude	NOUN
amae-407	290	13	.	.	PUNCT
amae-407	291	1	journal	journal	NOUN
amae-407	291	2	of	of	ADP
amae-407	291	3	student	student	NOUN
amae-407	291	4	financial	financial	ADJ
amae-407	291	5	aid	aid	NOUN
amae-407	291	6	,	,	PUNCT
amae-407	291	7	46(3	46(3	NOUN
amae-407	291	8	)	)	PUNCT
amae-407	291	9	,	,	PUNCT
amae-407	291	10	55	55	NUM
amae-407	291	11	-	-	SYM
amae-407	291	12	65	65	NUM
amae-407	291	13	.	.	PUNCT
amae-407	292	1	núñez	núñez	PROPN
amae-407	292	2	,	,	PUNCT
amae-407	292	3	a.	a.	NOUN
amae-407	292	4	m.	m.	NOUN
amae-407	292	5	,	,	PUNCT
amae-407	292	6	crisp	crisp	ADJ
amae-407	292	7	,	,	PUNCT
amae-407	292	8	g.	g.	PROPN
amae-407	292	9	,	,	PUNCT
amae-407	292	10	&	&	CCONJ
amae-407	292	11	elizondo	elizondo	PROPN
amae-407	292	12	,	,	PUNCT
amae-407	292	13	d.	d.	PROPN
amae-407	292	14	(	(	PUNCT
amae-407	292	15	2016	2016	NUM
amae-407	292	16	)	)	PUNCT
amae-407	292	17	.	.	PUNCT
amae-407	293	1	mapping	map	VERB
amae-407	293	2	hispanic	hispanic	NOUN
amae-407	293	3	-	-	PUNCT
amae-407	293	4	serving	serve	VERB
amae-407	293	5	institutions	institution	NOUN
amae-407	293	6	:	:	PUNCT
amae-407	293	7	a	a	DET
amae-407	293	8	https://doi.org/10.3102/0034654319864591	https://doi.org/10.3102/0034654319864591	NOUN
amae-407	293	9	https://doi.org/10.1111/fcsr.12263	https://doi.org/10.1111/fcsr.12263	NOUN
amae-407	293	10	https://cqrcengage.com/hacu/file/xhcqpbig2rp/2020_hsi_factsheet.pdf	https://cqrcengage.com/hacu/file/xhcqpbig2rp/2020_hsi_factsheet.pdf	NOUN
amae-407	293	11	https://doi.org/10.1891/1052-3073.27.2.184	https://doi.org/10.1891/1052-3073.27.2.184	AUX
amae-407	293	12	https://doi.org/10.1353/rhe.2012.0007	https://doi.org/10.1353/rhe.2012.0007	ADJ
amae-407	293	13	https://doi.org/10.1177/0091552115594669	https://doi.org/10.1177/0091552115594669	NOUN
amae-407	293	14	https://doi.org/10.2190/cs.11.4.d	https://doi.org/10.2190/cs.11.4.d	PROPN
amae-407	293	15	“	"	PUNCT
amae-407	293	16	without	without	ADP
amae-407	293	17	them	they	PRON
amae-407	293	18	”	"	PUNCT
amae-407	293	19	association	association	NOUN
amae-407	293	20	of	of	ADP
amae-407	293	21	mexican	mexican	PROPN
amae-407	293	22	american	american	PROPN
amae-407	293	23	educators	educator	NOUN
amae-407	293	24	(	(	PUNCT
amae-407	293	25	amae	amae	NOUN
amae-407	293	26	)	)	PUNCT
amae-407	293	27	journal	journal	NOUN
amae-407	293	28	©	©	PROPN
amae-407	293	29	2020	2020	NUM
amae-407	293	30	,	,	PUNCT
amae-407	293	31	volume	volume	NOUN
amae-407	293	32	14	14	NUM
amae-407	293	33	,	,	PUNCT
amae-407	293	34	issue	issue	VERB
amae-407	293	35	3	3	NUM
amae-407	293	36	46	46	NUM
amae-407	293	37	typology	typology	NOUN
amae-407	293	38	of	of	ADP
amae-407	293	39	institutional	institutional	ADJ
amae-407	293	40	diversity	diversity	NOUN
amae-407	293	41	.	.	PUNCT
amae-407	294	1	the	the	DET
amae-407	294	2	journal	journal	NOUN
amae-407	294	3	of	of	ADP
amae-407	294	4	higher	high	ADJ
amae-407	294	5	education	education	NOUN
amae-407	294	6	,	,	PUNCT
amae-407	294	7	87(1	87(1	NUM
amae-407	294	8	)	)	PUNCT
amae-407	294	9	,	,	PUNCT
amae-407	294	10	55	55	NUM
amae-407	294	11	-	-	SYM
amae-407	294	12	83	83	NUM
amae-407	294	13	.	.	PUNCT
amae-407	295	1	https://doi.org/10.4324/9781315747552	https://doi.org/10.4324/9781315747552	NOUN
amae-407	295	2	perna	perna	PROPN
amae-407	295	3	,	,	PUNCT
amae-407	295	4	l.	l.	PROPN
amae-407	295	5	w.	w.	PROPN
amae-407	295	6	(	(	PUNCT
amae-407	295	7	2006	2006	NUM
amae-407	295	8	)	)	PUNCT
amae-407	295	9	.	.	PUNCT
amae-407	296	1	studying	study	VERB
amae-407	296	2	college	college	NOUN
amae-407	296	3	access	access	NOUN
amae-407	296	4	and	and	CCONJ
amae-407	296	5	choice	choice	NOUN
amae-407	296	6	:	:	PUNCT
amae-407	296	7	a	a	DET
amae-407	296	8	proposed	propose	VERB
amae-407	296	9	conceptual	conceptual	ADJ
amae-407	296	10	model	model	NOUN
amae-407	296	11	.	.	PUNCT
amae-407	297	1	in	in	ADP
amae-407	297	2	j.	j.	PROPN
amae-407	297	3	c.	c.	PROPN
amae-407	297	4	smart	smart	PROPN
amae-407	297	5	(	(	PUNCT
amae-407	297	6	ed	ed	NOUN
amae-407	297	7	.	.	PUNCT
amae-407	297	8	)	)	PUNCT
amae-407	297	9	,	,	PUNCT
amae-407	297	10	higher	high	ADJ
amae-407	297	11	education	education	NOUN
amae-407	297	12	:	:	PUNCT
amae-407	297	13	handbook	handbook	NOUN
amae-407	297	14	of	of	ADP
amae-407	297	15	theory	theory	NOUN
amae-407	297	16	and	and	CCONJ
amae-407	297	17	research	research	NOUN
amae-407	297	18	(	(	PUNCT
amae-407	297	19	vol	vol	NOUN
amae-407	297	20	.	.	PUNCT
amae-407	298	1	xxi	xxi	PROPN
amae-407	298	2	,	,	PUNCT
amae-407	298	3	pp	pp	ADJ
amae-407	298	4	.	.	PUNCT
amae-407	299	1	99	99	NUM
amae-407	299	2	-	-	SYM
amae-407	299	3	157	157	NUM
amae-407	299	4	)	)	PUNCT
amae-407	299	5	.	.	PUNCT
amae-407	300	1	springer	springer	PROPN
amae-407	300	2	.	.	PUNCT
amae-407	301	1	perna	perna	PROPN
amae-407	301	2	,	,	PUNCT
amae-407	301	3	l.	l.	PROPN
amae-407	301	4	w.	w.	PROPN
amae-407	301	5	,	,	PUNCT
amae-407	301	6	kvaal	kvaal	NOUN
amae-407	301	7	,	,	PUNCT
amae-407	301	8	j.	j.	PROPN
amae-407	301	9	,	,	PUNCT
amae-407	301	10	&	&	CCONJ
amae-407	301	11	ruiz	ruiz	PROPN
amae-407	301	12	,	,	PUNCT
amae-407	301	13	r.	r.	PROPN
amae-407	301	14	(	(	PUNCT
amae-407	301	15	2017	2017	NUM
amae-407	301	16	)	)	PUNCT
amae-407	301	17	.	.	PUNCT
amae-407	302	1	understanding	understand	VERB
amae-407	302	2	student	student	NOUN
amae-407	302	3	debt	debt	NOUN
amae-407	302	4	:	:	PUNCT
amae-407	302	5	implications	implication	NOUN
amae-407	302	6	for	for	ADP
amae-407	302	7	federal	federal	ADJ
amae-407	302	8	policy	policy	NOUN
amae-407	302	9	and	and	CCONJ
amae-407	302	10	future	future	ADJ
amae-407	302	11	research	research	NOUN
amae-407	302	12	.	.	PUNCT
amae-407	303	1	the	the	DET
amae-407	303	2	annals	annal	NOUN
amae-407	303	3	of	of	ADP
amae-407	303	4	the	the	DET
amae-407	303	5	american	american	PROPN
amae-407	303	6	academy	academy	PROPN
amae-407	303	7	of	of	ADP
amae-407	303	8	political	political	ADJ
amae-407	303	9	and	and	CCONJ
amae-407	303	10	social	social	ADJ
amae-407	303	11	science	science	NOUN
amae-407	303	12	,	,	PUNCT
amae-407	303	13	671(1	671(1	NUM
amae-407	303	14	)	)	PUNCT
amae-407	303	15	,	,	PUNCT
amae-407	303	16	270	270	NUM
amae-407	303	17	-	-	SYM
amae-407	303	18	286	286	NUM
amae-407	303	19	.	.	PUNCT
amae-407	303	20	https://doi.org/10.1177/0002716217704002	https://doi.org/10.1177/0002716217704002	NOUN
amae-407	304	1	ratcliffe	ratcliffe	PROPN
amae-407	304	2	,	,	PUNCT
amae-407	304	3	c.	c.	PROPN
amae-407	304	4	,	,	PUNCT
amae-407	304	5	&	&	CCONJ
amae-407	304	6	mckernan	mckernan	PROPN
amae-407	304	7	,	,	PUNCT
amae-407	304	8	s.	s.	PROPN
amae-407	304	9	m.	m.	PROPN
amae-407	304	10	(	(	PUNCT
amae-407	304	11	2015	2015	NUM
amae-407	304	12	)	)	PUNCT
amae-407	304	13	.	.	PUNCT
amae-407	305	1	who	who	PRON
amae-407	305	2	is	be	AUX
amae-407	305	3	most	most	ADV
amae-407	305	4	worried	worried	ADJ
amae-407	305	5	about	about	ADP
amae-407	305	6	student	student	NOUN
amae-407	305	7	-	-	PUNCT
amae-407	305	8	loan	loan	NOUN
amae-407	305	9	debt	debt	NOUN
amae-407	305	10	.	.	PUNCT
amae-407	306	1	communities	community	NOUN
amae-407	306	2	&	&	CCONJ
amae-407	306	3	banking	banking	PROPN
amae-407	306	4	,	,	PUNCT
amae-407	306	5	26(1	26(1	NUM
amae-407	306	6	)	)	PUNCT
amae-407	306	7	,	,	PUNCT
amae-407	306	8	29	29	NUM
amae-407	306	9	-	-	SYM
amae-407	306	10	31	31	NUM
amae-407	306	11	.	.	PUNCT
amae-407	307	1	rendón	rendón	PROPN
amae-407	307	2	,	,	PUNCT
amae-407	307	3	l.	l.	PROPN
amae-407	307	4	,	,	PUNCT
amae-407	307	5	dowd	dowd	PROPN
amae-407	307	6	,	,	PUNCT
amae-407	307	7	a.	a.	PROPN
amae-407	307	8	,	,	PUNCT
amae-407	307	9	&	&	CCONJ
amae-407	307	10	nora	nora	PROPN
amae-407	307	11	,	,	PUNCT
amae-407	307	12	a.	a.	NOUN
amae-407	307	13	(	(	PUNCT
amae-407	307	14	2012	2012	NUM
amae-407	307	15	)	)	PUNCT
amae-407	307	16	.	.	PUNCT
amae-407	308	1	priced	price	VERB
amae-407	308	2	out	out	ADP
amae-407	308	3	:	:	PUNCT
amae-407	308	4	a	a	DET
amae-407	308	5	closer	close	ADJ
amae-407	308	6	look	look	NOUN
amae-407	308	7	at	at	ADP
amae-407	308	8	postsecondary	postsecondary	ADJ
amae-407	308	9	affordability	affordability	NOUN
amae-407	308	10	for	for	ADP
amae-407	308	11	latinos	latinos	PROPN
amae-407	308	12	.	.	PUNCT
amae-407	309	1	washington	washington	PROPN
amae-407	309	2	,	,	PUNCT
amae-407	309	3	dc	dc	PROPN
amae-407	309	4	:	:	PUNCT
amae-407	309	5	the	the	DET
amae-407	309	6	higher	high	ADJ
amae-407	309	7	education	education	NOUN
amae-407	309	8	subcommittee	subcommittee	NOUN
amae-407	309	9	on	on	ADP
amae-407	309	10	president	president	PROPN
amae-407	309	11	barack	barack	PROPN
amae-407	309	12	obama	obama	PROPN
amae-407	309	13	’s	’s	PART
amae-407	309	14	advisory	advisory	ADJ
amae-407	309	15	commission	commission	NOUN
amae-407	309	16	on	on	ADP
amae-407	309	17	educational	educational	ADJ
amae-407	309	18	excellence	excellence	NOUN
amae-407	309	19	for	for	ADP
amae-407	309	20	hispanics	hispanic	NOUN
amae-407	309	21	.	.	PUNCT
amae-407	310	1	saldaña	saldaña	PROPN
amae-407	310	2	,	,	PUNCT
amae-407	310	3	j.	j.	PROPN
amae-407	310	4	(	(	PUNCT
amae-407	310	5	2015	2015	NUM
amae-407	310	6	)	)	PUNCT
amae-407	310	7	.	.	PUNCT
amae-407	311	1	the	the	DET
amae-407	311	2	coding	code	VERB
amae-407	311	3	manual	manual	NOUN
amae-407	311	4	for	for	ADP
amae-407	311	5	qualitative	qualitative	ADJ
amae-407	311	6	researchers	researcher	NOUN
amae-407	311	7	.	.	PUNCT
amae-407	312	1	sage	sage	NOUN
amae-407	312	2	.	.	PUNCT
amae-407	313	1	salinas	salinas	PROPN
amae-407	313	2	,	,	PUNCT
amae-407	313	3	c.	c.	PROPN
amae-407	313	4	,	,	PUNCT
amae-407	313	5	&	&	CCONJ
amae-407	313	6	hidrowoh	hidrowoh	PROPN
amae-407	313	7	,	,	PUNCT
amae-407	313	8	j.	j.	PROPN
amae-407	313	9	r.	r.	PROPN
amae-407	313	10	(	(	PUNCT
amae-407	313	11	2018	2018	NUM
amae-407	313	12	)	)	PUNCT
amae-407	313	13	.	.	PUNCT
amae-407	314	1	promoting	promote	VERB
amae-407	314	2	financial	financial	ADJ
amae-407	314	3	literacy	literacy	NOUN
amae-407	314	4	and	and	CCONJ
amae-407	314	5	latino	latino	ADJ
amae-407	314	6	males	male	NOUN
amae-407	314	7	’	'	PUNCT
amae-407	314	8	success	success	NOUN
amae-407	314	9	at	at	ADP
amae-407	314	10	community	community	NOUN
amae-407	314	11	colleges	college	NOUN
amae-407	314	12	.	.	PUNCT
amae-407	315	1	community	community	NOUN
amae-407	315	2	college	college	PROPN
amae-407	315	3	journal	journal	PROPN
amae-407	315	4	of	of	ADP
amae-407	315	5	research	research	NOUN
amae-407	315	6	and	and	CCONJ
amae-407	315	7	practice	practice	NOUN
amae-407	315	8	,	,	PUNCT
amae-407	315	9	42(5	42(5	NUM
amae-407	315	10	)	)	PUNCT
amae-407	315	11	,	,	PUNCT
amae-407	315	12	330	330	NUM
amae-407	315	13	-	-	SYM
amae-407	315	14	339	339	NUM
amae-407	315	15	.	.	PUNCT
amae-407	316	1	https://doi.org/10.1080/10668926.2017.1301276	https://doi.org/10.1080/10668926.2017.1301276	ADJ
amae-407	316	2	santiago	santiago	PROPN
amae-407	316	3	,	,	PUNCT
amae-407	316	4	d.	d.	PROPN
amae-407	316	5	(	(	PUNCT
amae-407	316	6	2010	2010	NUM
amae-407	316	7	)	)	PUNCT
amae-407	316	8	.	.	PUNCT
amae-407	317	1	reality	reality	NOUN
amae-407	317	2	check	check	NOUN
amae-407	317	3	:	:	PUNCT
amae-407	317	4	hispanic	hispanic	ADJ
amae-407	317	5	-	-	PUNCT
amae-407	317	6	serving	serve	VERB
amae-407	317	7	institutions	institution	NOUN
amae-407	317	8	on	on	ADP
amae-407	317	9	the	the	DET
amae-407	317	10	texas	texas	PROPN
amae-407	317	11	border	border	NOUN
amae-407	317	12	strategizing	strategize	VERB
amae-407	317	13	financial	financial	ADJ
amae-407	317	14	aid	aid	NOUN
amae-407	317	15	.	.	PUNCT
amae-407	318	1	washington	washington	PROPN
amae-407	318	2	,	,	PUNCT
amae-407	318	3	dc	dc	PROPN
amae-407	318	4	:	:	PUNCT
amae-407	318	5	excelencia	excelencia	PROPN
amae-407	318	6	in	in	ADP
amae-407	318	7	education	education	NOUN
amae-407	318	8	.	.	PUNCT
amae-407	319	1	santiago	santiago	PROPN
amae-407	319	2	,	,	PUNCT
amae-407	319	3	d.	d.	PROPN
amae-407	319	4	,	,	PUNCT
amae-407	319	5	taylor	taylor	PROPN
amae-407	319	6	,	,	PUNCT
amae-407	319	7	m.	m.	NOUN
amae-407	319	8	,	,	PUNCT
amae-407	319	9	calderón	calderón	NOUN
amae-407	319	10	galdeano	galdeano	NOUN
amae-407	319	11	,	,	PUNCT
amae-407	319	12	e.	e.	PROPN
amae-407	319	13	(	(	PUNCT
amae-407	319	14	2016	2016	NUM
amae-407	319	15	)	)	PUNCT
amae-407	319	16	.	.	PUNCT
amae-407	320	1	from	from	ADP
amae-407	320	2	capacity	capacity	NOUN
amae-407	320	3	to	to	ADP
amae-407	320	4	success	success	NOUN
amae-407	320	5	:	:	PUNCT
amae-407	320	6	hsis	hsis	NOUN
amae-407	320	7	,	,	PUNCT
amae-407	320	8	title	title	NOUN
amae-407	320	9	v	v	NOUN
amae-407	320	10	,	,	PUNCT
amae-407	320	11	and	and	CCONJ
amae-407	320	12	latino	latino	ADJ
amae-407	320	13	students	student	NOUN
amae-407	320	14	.	.	PUNCT
amae-407	321	1	washington	washington	PROPN
amae-407	321	2	,	,	PUNCT
amae-407	321	3	d.c	d.c	PROPN
amae-407	321	4	.	.	PROPN
amae-407	321	5	:	:	PUNCT
amae-407	321	6	excelencia	excelencia	PROPN
amae-407	321	7	in	in	ADP
amae-407	321	8	education	education	NOUN
amae-407	321	9	.	.	PUNCT
amae-407	322	1	strauss	strauss	PROPN
amae-407	322	2	,	,	PUNCT
amae-407	322	3	a.	a.	PROPN
amae-407	322	4	l.	l.	PROPN
amae-407	322	5	,	,	PUNCT
amae-407	322	6	&	&	CCONJ
amae-407	322	7	corbin	corbin	PROPN
amae-407	322	8	,	,	PUNCT
amae-407	322	9	j.	j.	PROPN
amae-407	322	10	(	(	PUNCT
amae-407	322	11	1998	1998	NUM
amae-407	322	12	)	)	PUNCT
amae-407	322	13	.	.	PUNCT
amae-407	323	1	basics	basic	NOUN
amae-407	323	2	of	of	ADP
amae-407	323	3	qualitative	qualitative	ADJ
amae-407	323	4	research	research	NOUN
amae-407	323	5	(	(	PUNCT
amae-407	323	6	2nd	2nd	ADJ
amae-407	323	7	ed	ed	NOUN
amae-407	323	8	.	.	PUNCT
amae-407	323	9	)	)	PUNCT
amae-407	323	10	.	.	PUNCT
amae-407	324	1	sage	sage	NOUN
amae-407	324	2	.	.	PUNCT
amae-407	325	1	unidosus	unidosus	ADJ
amae-407	325	2	.	.	PUNCT
amae-407	326	1	(	(	PUNCT
amae-407	326	2	2019a	2019a	NUM
amae-407	326	3	)	)	PUNCT
amae-407	326	4	.	.	PUNCT
amae-407	327	1	latinos	latino	NOUN
amae-407	327	2	in	in	ADP
amae-407	327	3	higher	high	ADJ
amae-407	327	4	education	education	NOUN
amae-407	327	5	:	:	PUNCT
amae-407	327	6	financing	financing	NOUN
amae-407	327	7	and	and	CCONJ
amae-407	327	8	student	student	NOUN
amae-407	327	9	loans	loan	NOUN
amae-407	327	10	.	.	PUNCT
amae-407	328	1	http://publications.unidosus.org/bitstream/handle/123456789/1937/financingstudent_loan	http://publications.unidosus.org/bitstream/handle/123456789/1937/financingstudent_loan	PROPN
amae-407	328	2	s_brief_32519.pdf?sequence=1&isallowed=y	s_brief_32519.pdf?sequence=1&isallowed=y	VERB
amae-407	328	3	unidosus	unidosus	ADJ
amae-407	328	4	.	.	PUNCT
amae-407	329	1	(	(	PUNCT
amae-407	329	2	2019b	2019b	NUM
amae-407	329	3	)	)	PUNCT
amae-407	329	4	.	.	PUNCT
amae-407	330	1	latinos	latino	NOUN
amae-407	330	2	in	in	ADP
amae-407	330	3	higher	high	ADJ
amae-407	330	4	education	education	NOUN
amae-407	330	5	:	:	PUNCT
amae-407	330	6	student	student	NOUN
amae-407	330	7	loan	loan	NOUN
amae-407	330	8	repayment	repayment	NOUN
amae-407	330	9	(	(	PUNCT
amae-407	330	10	statistical	statistical	ADJ
amae-407	330	11	brief	brief	NOUN
amae-407	330	12	)	)	PUNCT
amae-407	330	13	.	.	PUNCT
amae-407	331	1	http://publications.unidosus.org/bitstream/handle/123456789/1937/studentloanrepaymen	http://publications.unidosus.org/bitstream/handle/123456789/1937/studentloanrepaymen	PROPN
amae-407	331	2	t_brief_32519.pdf?sequence=2&isallowed=y	t_brief_32519.pdf?sequence=2&isallowed=y	PROPN
amae-407	331	3	valdez	valdez	PROPN
amae-407	331	4	,	,	PUNCT
amae-407	331	5	p.	p.	NOUN
amae-407	331	6	l.	l.	PROPN
amae-407	331	7	(	(	PUNCT
amae-407	331	8	2015	2015	NUM
amae-407	331	9	)	)	PUNCT
amae-407	331	10	.	.	PUNCT
amae-407	332	1	an	an	DET
amae-407	332	2	overview	overview	NOUN
amae-407	332	3	of	of	ADP
amae-407	332	4	hispanic	hispanic	ADJ
amae-407	332	5	-	-	PUNCT
amae-407	332	6	serving	serve	VERB
amae-407	332	7	institutions	institution	NOUN
amae-407	332	8	’	'	PUNCT
amae-407	332	9	legislation	legislation	NOUN
amae-407	332	10	:	:	PUNCT
amae-407	332	11	legislation	legislation	NOUN
amae-407	332	12	policy	policy	NOUN
amae-407	332	13	formation	formation	NOUN
amae-407	332	14	between	between	ADP
amae-407	332	15	1979	1979	NUM
amae-407	332	16	and	and	CCONJ
amae-407	332	17	1992	1992	NUM
amae-407	332	18	.	.	PUNCT
amae-407	333	1	in	in	ADP
amae-407	333	2	j.	j.	PROPN
amae-407	333	3	p.	p.	PROPN
amae-407	333	4	mendez	mendez	PROPN
amae-407	333	5	,	,	PUNCT
amae-407	333	6	i.	i.	PROPN
amae-407	333	7	f.	f.	PROPN
amae-407	333	8	a.	a.	PROPN
amae-407	333	9	bonner	bonner	PROPN
amae-407	333	10	,	,	PUNCT
amae-407	333	11	j.	j.	PROPN
amae-407	333	12	méndez	méndez	PROPN
amae-407	333	13	-	-	PUNCT
amae-407	333	14	negrete	negrete	PROPN
amae-407	333	15	,	,	PUNCT
amae-407	333	16	&	&	CCONJ
amae-407	333	17	r.	r.	PROPN
amae-407	333	18	t.	t.	PROPN
amae-407	333	19	palmer	palmer	PROPN
amae-407	333	20	(	(	PUNCT
amae-407	333	21	eds	eds	PROPN
amae-407	333	22	.	.	PUNCT
amae-407	333	23	)	)	PUNCT
amae-407	333	24	,	,	PUNCT
amae-407	333	25	hispanic	hispanic	NOUN
amae-407	333	26	-	-	PUNCT
amae-407	333	27	serving	serve	VERB
amae-407	333	28	institutions	institution	NOUN
amae-407	333	29	in	in	ADP
amae-407	333	30	american	american	ADJ
amae-407	333	31	higher	high	ADJ
amae-407	333	32	education	education	NOUN
amae-407	333	33	:	:	PUNCT
amae-407	333	34	their	their	PRON
amae-407	333	35	origin	origin	NOUN
amae-407	333	36	,	,	PUNCT
amae-407	333	37	and	and	CCONJ
amae-407	333	38	present	present	ADJ
amae-407	333	39	and	and	CCONJ
amae-407	333	40	future	future	ADJ
amae-407	333	41	challenges	challenge	NOUN
amae-407	333	42	(	(	PUNCT
amae-407	333	43	pp	pp	X
amae-407	333	44	.	.	PUNCT
amae-407	333	45	5–29	5–29	NUM
amae-407	333	46	)	)	PUNCT
amae-407	333	47	.	.	PUNCT
amae-407	334	1	stylus	stylus	ADJ
amae-407	334	2	.	.	PUNCT
amae-407	334	3	wiederspan	wiederspan	NOUN
amae-407	334	4	,	,	PUNCT
amae-407	334	5	m.	m.	NOUN
amae-407	334	6	(	(	PUNCT
amae-407	334	7	2016	2016	NUM
amae-407	334	8	)	)	PUNCT
amae-407	334	9	.	.	PUNCT
amae-407	335	1	denying	deny	VERB
amae-407	335	2	loan	loan	NOUN
amae-407	335	3	access	access	NOUN
amae-407	335	4	:	:	PUNCT
amae-407	335	5	the	the	DET
amae-407	335	6	student	student	NOUN
amae-407	335	7	-	-	PUNCT
amae-407	335	8	level	level	NOUN
amae-407	335	9	consequences	consequence	NOUN
amae-407	335	10	when	when	SCONJ
amae-407	335	11	community	community	NOUN
amae-407	335	12	colleges	college	NOUN
amae-407	335	13	opt	opt	VERB
amae-407	335	14	out	out	ADP
amae-407	335	15	of	of	ADP
amae-407	335	16	the	the	DET
amae-407	335	17	stafford	stafford	PROPN
amae-407	335	18	loan	loan	PROPN
amae-407	335	19	program	program	PROPN
amae-407	335	20	.	.	PUNCT
amae-407	336	1	economics	economic	NOUN
amae-407	336	2	of	of	ADP
amae-407	336	3	education	education	PROPN
amae-407	336	4	review	review	NOUN
amae-407	336	5	,	,	PUNCT
amae-407	336	6	51	51	NUM
amae-407	336	7	,	,	PUNCT
amae-407	336	8	79	79	NUM
amae-407	336	9	-	-	SYM
amae-407	336	10	96	96	NUM
amae-407	336	11	.	.	PUNCT
amae-407	337	1	https://doi.org/10.1016/j.econedurev.2015.06.007	https://doi.org/10.1016/j.econedurev.2015.06.007	PROPN
amae-407	337	2	zerquera	zerquera	NOUN
amae-407	337	3	,	,	PUNCT
amae-407	337	4	d.	d.	PROPN
amae-407	337	5	,	,	PUNCT
amae-407	337	6	mcgowan	mcgowan	PROPN
amae-407	337	7	,	,	PUNCT
amae-407	337	8	b.	b.	PROPN
amae-407	337	9	l.	l.	PROPN
amae-407	337	10	,	,	PUNCT
amae-407	337	11	ferguson	ferguson	PROPN
amae-407	337	12	,	,	PUNCT
amae-407	337	13	t.	t.	PROPN
amae-407	337	14	l.	l.	PROPN
amae-407	337	15	,	,	PUNCT
amae-407	337	16	&	&	CCONJ
amae-407	337	17	torres	torre	NOUN
amae-407	337	18	,	,	PUNCT
amae-407	337	19	v.	v.	PROPN
amae-407	337	20	(	(	PUNCT
amae-407	337	21	2017	2017	NUM
amae-407	337	22	)	)	PUNCT
amae-407	337	23	.	.	PUNCT
amae-407	338	1	the	the	DET
amae-407	338	2	burden	burden	NOUN
amae-407	338	3	of	of	ADP
amae-407	338	4	debt	debt	NOUN
amae-407	338	5	:	:	PUNCT
amae-407	338	6	undergraduate	undergraduate	ADJ
amae-407	338	7	students	student	NOUN
amae-407	338	8	'	'	PART
amae-407	338	9	experiences	experience	NOUN
amae-407	338	10	with	with	ADP
amae-407	338	11	paying	pay	VERB
amae-407	338	12	for	for	ADP
amae-407	338	13	their	their	PRON
amae-407	338	14	education	education	NOUN
amae-407	338	15	.	.	PUNCT
amae-407	339	1	college	college	NOUN
amae-407	339	2	student	student	NOUN
amae-407	339	3	affairs	affairs	PROPN
amae-407	339	4	journal	journal	PROPN
amae-407	339	5	,	,	PUNCT
amae-407	339	6	35(2	35(2	NUM
amae-407	339	7	)	)	PUNCT
amae-407	339	8	,	,	PUNCT
amae-407	339	9	140	140	NUM
amae-407	339	10	-	-	SYM
amae-407	339	11	152	152	NUM
amae-407	339	12	.	.	PUNCT
amae-407	340	1	https://doi.org/10.1353/csj.2017.0019	https://doi.org/10.1353/csj.2017.0019	VERB
amae-407	340	2	https://doi.org/10.4324/9781315747552	https://doi.org/10.4324/9781315747552	NOUN
amae-407	340	3	https://doi.org/10.1177/0002716217704002	https://doi.org/10.1177/0002716217704002	NOUN
amae-407	340	4	https://doi.org/10.1080/10668926.2017.1301276	https://doi.org/10.1080/10668926.2017.1301276	NOUN
amae-407	340	5	http://publications.unidosus.org/bitstream/handle/123456789/1937/financingstudent_loans_brief_32519.pdf?sequence=1&isallowed=y	http://publications.unidosus.org/bitstream/handle/123456789/1937/financingstudent_loans_brief_32519.pdf?sequence=1&isallowed=y	NOUN
amae-407	340	6	http://publications.unidosus.org/bitstream/handle/123456789/1937/financingstudent_loans_brief_32519.pdf?sequence=1&isallowed=y	http://publications.unidosus.org/bitstream/handle/123456789/1937/financingstudent_loans_brief_32519.pdf?sequence=1&isallowed=y	NOUN
amae-407	340	7	http://publications.unidosus.org/bitstream/handle/123456789/1937/studentloanrepayment_brief_32519.pdf?sequence=2&isallowed=y	http://publications.unidosus.org/bitstream/handle/123456789/1937/studentloanrepayment_brief_32519.pdf?sequence=2&isallowed=y	PROPN
amae-407	340	8	http://publications.unidosus.org/bitstream/handle/123456789/1937/studentloanrepayment_brief_32519.pdf?sequence=2&isallowed=y	http://publications.unidosus.org/bitstream/handle/123456789/1937/studentloanrepayment_brief_32519.pdf?sequence=2&isallowed=y	PROPN
amae-407	340	9	https://doi.org/10.1016/j.econedurev.2015.06.007	https://doi.org/10.1016/j.econedurev.2015.06.007	ADJ
amae-407	340	10	https://doi.org/10.1353/csj.2017.0019	https://doi.org/10.1353/csj.2017.0019	VERB