id	sid	eid	entity	type
fsr-4060	1	1	33(2	CARDINAL
fsr-4060	1	2	74	CARDINAL
fsr-4060	1	3	stuart heckman,1 jodi letkiewicz,2	PERSON
fsr-4060	3	1	2020	DATE
fsr-4060	3	2	13%	PERCENT
fsr-4060	3	3	31%	PERCENT
fsr-4060	3	4	up to $20,000	MONEY
fsr-4060	3	5	27%	PERCENT
fsr-4060	3	6	up to $50,000	MONEY
fsr-4060	8	1	4.0	CARDINAL
fsr-4060	8	2	citation heckman	PERSON
fsr-4060	8	3	s.	PERSON
fsr-4060	8	4	letkiewicz	PERSON
fsr-4060	8	5	j., & lim	ORG
fsr-4060	8	6	2025	DATE
fsr-4060	10	1	33(2	DATE
fsr-4060	10	2	74	CARDINAL
fsr-4060	11	1	u.s.	GPE
fsr-4060	12	1	1	CARDINAL
fsr-4060	13	1	texas tech university	ORG
fsr-4060	13	2	lubbock	GPE
fsr-4060	13	3	texas	GPE
fsr-4060	13	4	2	CARDINAL
fsr-4060	13	5	california	GPE
fsr-4060	13	6	university-northridge	ORG
fsr-4060	13	7	los angeles	GPE
fsr-4060	13	8	california	GPE
fsr-4060	13	9	3	CARDINAL
fsr-4060	13	10	california	GPE
fsr-4060	13	11	university-fullerton	ORG
fsr-4060	13	12	fullerton	GPE
fsr-4060	13	13	california	GPE
fsr-4060	14	1	approximately $125 billion	MONEY
fsr-4060	14	2	2021	CARDINAL
fsr-4060	15	1	american	NORP
fsr-4060	15	2	529	CARDINAL
fsr-4060	16	1	https://creativecommons.org/licenses/by-nc/4.0/	NORP
fsr-4060	16	2	heckman et al	PERSON
fsr-4060	16	3	75	CARDINAL
fsr-4060	20	1	ma & pender	ORG
fsr-4060	20	2	2023	CARDINAL
fsr-4060	20	3	2011	DATE
fsr-4060	21	1	li	PERSON
fsr-4060	21	2	2013	DATE
fsr-4060	22	1	2010	DATE
fsr-4060	22	2	jacob et al.	PERSON
fsr-4060	22	3	2013	DATE
fsr-4060	24	1	cadena & keys	ORG
fsr-4060	24	2	2013	DATE
fsr-4060	25	1	2017	DATE
fsr-4060	27	1	heckman et al	PERSON
fsr-4060	28	1	2014	DATE
fsr-4060	28	2	71%	PERCENT
fsr-4060	29	1	avery & turner	ORG
fsr-4060	29	2	2012	DATE
fsr-4060	29	3	more than a million	CARDINAL
fsr-4060	29	4	first	ORDINAL
fsr-4060	29	5	2016	DATE
fsr-4060	29	6	frotman & williams	ORG
fsr-4060	29	7	2017	DATE
fsr-4060	30	1	2020	DATE
fsr-4060	30	2	u.s. department of education	ORG
fsr-4060	30	3	2020	DATE
fsr-4060	30	4	2020	DATE
fsr-4060	36	1	ohio	GPE
fsr-4060	36	2	approximately 25%	PERCENT
fsr-4060	36	3	2017	DATE
fsr-4060	37	1	33(2	CARDINAL
fsr-4060	37	2	76	CARDINAL
fsr-4060	39	1	oreopoulus & petronijevic	ORG
fsr-4060	39	2	2013	DATE
fsr-4060	39	3	ma & pender	ORG
fsr-4060	39	4	2023	CARDINAL
fsr-4060	40	1	avery & turner	ORG
fsr-4060	40	2	2012	DATE
fsr-4060	40	3	carnevale	ORG
fsr-4060	40	4	cheah, & wenzinger	ORG
fsr-4060	40	5	2021	DATE
fsr-4060	41	1	6575%	PERCENT
fsr-4060	41	2	approximately $1.2 million	MONEY
fsr-4060	41	3	cheah, & wenzinger	ORG
fsr-4060	41	4	2021	CARDINAL
fsr-4060	41	5	ma & pender	ORG
fsr-4060	41	6	2023	CARDINAL
fsr-4060	42	1	damon & glewwe	ORG
fsr-4060	42	2	2011	DATE
fsr-4060	44	1	2011	DATE
fsr-4060	45	1	2011	DATE
fsr-4060	46	1	sigelman & selingo	ORG
fsr-4060	46	2	2021	CARDINAL
fsr-4060	47	1	2012	DATE
fsr-4060	47	2	2020	DATE
fsr-4060	48	1	2023	CARDINAL
fsr-4060	49	1	baum & payea	ORG
fsr-4060	49	2	2012	DATE
fsr-4060	49	3	cha & weagley	ORG
fsr-4060	49	4	2002	DATE
fsr-4060	49	5	cunningham & santiago	ORG
fsr-4060	49	6	2008	DATE
fsr-4060	49	7	goldrick-rab & kelchen	ORG
fsr-4060	49	8	2015	DATE
fsr-4060	49	9	perna, 2008	ORG
fsr-4060	50	1	cha	PERSON
fsr-4060	50	2	weagley	GPE
fsr-4060	50	3	2002	DATE
fsr-4060	51	1	baum & payea	ORG
fsr-4060	51	2	2012	DATE
fsr-4060	51	3	baum & schwartz	ORG
fsr-4060	51	4	2015	DATE
fsr-4060	52	1	less than $30,000	MONEY
fsr-4060	52	2	16,500	MONEY
fsr-4060	52	3	more than $120,000	MONEY
fsr-4060	52	4	14,000	MONEY
fsr-4060	52	5	baum & payea	ORG
fsr-4060	52	6	2012	DATE
fsr-4060	54	1	cha & weagley	ORG
fsr-4060	54	2	2002	DATE
fsr-4060	56	1	cunningham & santiago	ORG
fsr-4060	56	2	2008	DATE
fsr-4060	56	3	goldrick-rab & kelchen	ORG
fsr-4060	56	4	2015	DATE
fsr-4060	56	5	perna, 2008	ORG
fsr-4060	57	1	goldrick-rab	PERSON
fsr-4060	57	2	2015	DATE
fsr-4060	57	3	pell grant	PERSON
fsr-4060	57	4	the wisconsin scholars longitudinal study	ORG
fsr-4060	59	1	heckman et al	PERSON
fsr-4060	60	1	2015	DATE
fsr-4060	61	1	45%	PERCENT
fsr-4060	61	2	cunningham & santiago	ORG
fsr-4060	61	3	2008	DATE
fsr-4060	62	1	perna	PERSON
fsr-4060	62	2	2008	DATE
fsr-4060	64	1	2008	DATE
fsr-4060	65	1	2017	CARDINAL
fsr-4060	65	2	perna	PERSON
fsr-4060	65	3	2008	DATE
fsr-4060	66	1	2017	CARDINAL
fsr-4060	67	1	boatman & evans	ORG
fsr-4060	67	2	2017	DATE
fsr-4060	69	1	2015	DATE
fsr-4060	70	1	ohio state university’s	ORG
fsr-4060	70	2	hart	FAC
fsr-4060	70	3	mustafa	PERSON
fsr-4060	70	4	2008	DATE
fsr-4060	73	1	cha	PERSON
fsr-4060	73	2	weagley	GPE
fsr-4060	73	3	2002	DATE
fsr-4060	74	1	2015	DATE
fsr-4060	76	1	2011	DATE
fsr-4060	78	1	avery	ORG
fsr-4060	78	2	turner	ORG
fsr-4060	78	3	2012	DATE
fsr-4060	80	1	2016	DATE
fsr-4060	80	2	heckman et al.	PERSON
fsr-4060	80	3	2014	DATE
fsr-4060	80	4	martin & dwyer	ORG
fsr-4060	80	5	2021	CARDINAL
fsr-4060	80	6	mckinnery & burridge	ORG
fsr-4060	80	7	2015	DATE
fsr-4060	81	1	2016	DATE
fsr-4060	82	1	heckman et al	PERSON
fsr-4060	82	2	2014	DATE
fsr-4060	83	1	mckinnery	PERSON
fsr-4060	83	2	burridge	PERSON
fsr-4060	83	3	2015	DATE
fsr-4060	84	1	hispanic	NORP
fsr-4060	84	2	martin & financial services review	ORG
fsr-4060	84	3	33(2	CARDINAL
fsr-4060	84	4	78	CARDINAL
fsr-4060	84	5	2021	DATE
fsr-4060	93	1	becker	PERSON
fsr-4060	93	2	1964	DATE
fsr-4060	97	1	daniele checchi	PERSON
fsr-4060	97	2	2006	DATE
fsr-4060	98	1	20-23	CARDINAL
fsr-4060	98	2	ben	PERSON
fsr-4060	98	3	1967	DATE
fsr-4060	99	1	first	ORDINAL
fsr-4060	99	2	𝑆𝑖𝑡 ∗	ORG
fsr-4060	100	1	first	ORDINAL
fsr-4060	100	2	first	ORDINAL
fsr-4060	102	1	0	CARDINAL
fsr-4060	102	2	first	ORDINAL
fsr-4060	102	3	𝑀𝑖𝑡 ∗	PERSON
fsr-4060	105	1	1	CARDINAL
fsr-4060	106	1	𝐹𝑖𝑡	ORG
fsr-4060	107	1	𝑀𝑖𝑡 ∗	PERSON
fsr-4060	107	2	𝛾𝑆𝑖𝑡 ∗	ORG
fsr-4060	109	1	− 𝑆𝑖𝑡 ∗	PERSON
fsr-4060	111	1	1	CARDINAL
fsr-4060	111	2	simon, 1955	ORG
fsr-4060	112	1	desjardins & toutkoushian	ORG
fsr-4060	112	2	2005	DATE
fsr-4060	113	1	heckman et al	PERSON
fsr-4060	113	2	79	CARDINAL
fsr-4060	113	3	1	CARDINAL
fsr-4060	114	1	− 𝐹𝑖𝑡	PERSON
fsr-4060	115	1	2	CARDINAL
fsr-4060	119	1	2020	DATE
fsr-4060	119	2	scfw	GPE
fsr-4060	119	3	the national student financial wellness	ORG
fsr-4060	120	1	scfw	GPE
fsr-4060	120	2	us	GPE
fsr-4060	121	1	the ohio state university	ORG
fsr-4060	121	2	february 2020	DATE
fsr-4060	122	1	60 two-year	DATE
fsr-4060	122	2	four-year	DATE
fsr-4060	123	1	29,883	CARDINAL
fsr-4060	123	2	24,121	CARDINAL
fsr-4060	124	1	pell	PERSON
fsr-4060	125	1	two	CARDINAL
fsr-4060	126	1	first	ORDINAL
fsr-4060	127	1	first	ORDINAL
fsr-4060	129	1	second	ORDINAL
fsr-4060	131	1	eight	CARDINAL
fsr-4060	131	2	zero	CARDINAL
fsr-4060	131	3	over $60,000	MONEY
fsr-4060	132	1	second	ORDINAL
fsr-4060	136	1	two	CARDINAL
fsr-4060	137	1	first	ORDINAL
fsr-4060	137	2	second	ORDINAL
fsr-4060	139	1	more than two	CARDINAL
fsr-4060	140	1	𝑓(𝑘	ORG
fsr-4060	142	1	3	CARDINAL
fsr-4060	142	2	33(2	CARDINAL
fsr-4060	142	3	80	DATE
fsr-4060	142	4	i.	PERSON
fsr-4060	142	5	three	CARDINAL
fsr-4060	146	1	zero	CARDINAL
fsr-4060	146	2	zero	CARDINAL
fsr-4060	147	1	two	CARDINAL
fsr-4060	148	1	zero	CARDINAL
fsr-4060	151	1	𝑢|𝑋	PERSON
fsr-4060	151	2	0	CARDINAL
fsr-4060	155	1	first	ORDINAL
fsr-4060	159	1	hispanic	NORP
fsr-4060	159	2	asian	NORP
fsr-4060	160	1	“year 1	DATE
fsr-4060	160	2	year 2	DATE
fsr-4060	160	3	year 3	DATE
fsr-4060	160	4	year 4	DATE
fsr-4060	160	5	more than 4	CARDINAL
fsr-4060	160	6	year 1	DATE
fsr-4060	161	1	first	ORDINAL
fsr-4060	162	1	at least 24 years old	DATE
fsr-4060	167	1	2023	CARDINAL
fsr-4060	168	1	two	CARDINAL
fsr-4060	168	2	scfw	GPE
fsr-4060	169	1	one	CARDINAL
fsr-4060	169	2	three	CARDINAL
fsr-4060	169	3	1	CARDINAL
fsr-4060	169	4	2	CARDINAL
fsr-4060	169	5	3	CARDINAL
fsr-4060	171	1	gpa	ORG
fsr-4060	173	1	heckman et al	PERSON
fsr-4060	173	2	81 5.0	CARDINAL
fsr-4060	173	3	0	CARDINAL
fsr-4060	173	4	4.93	CARDINAL
fsr-4060	175	1	1	CARDINAL
fsr-4060	175	2	2	CARDINAL
fsr-4060	175	3	3	CARDINAL
fsr-4060	175	4	4	CARDINAL
fsr-4060	175	5	5	CARDINAL
fsr-4060	175	6	6	CARDINAL
fsr-4060	175	7	7	CARDINAL
fsr-4060	175	8	8)	CARDINAL
fsr-4060	179	1	2-year	DATE
fsr-4060	179	2	4-year	DATE
fsr-4060	180	1	four	CARDINAL
fsr-4060	181	1	1	CARDINAL
fsr-4060	181	2	zero	CARDINAL
fsr-4060	183	1	many hours	TIME
fsr-4060	183	2	hourly	TIME
fsr-4060	184	1	two	CARDINAL
fsr-4060	185	1	one	CARDINAL
fsr-4060	185	2	annual	DATE
fsr-4060	185	3	hours	TIME
fsr-4060	185	4	hourly	TIME
fsr-4060	188	1	1	CARDINAL
fsr-4060	188	2	2	CARDINAL
fsr-4060	189	1	1	CARDINAL
fsr-4060	189	2	4	CARDINAL
fsr-4060	191	1	just over 70%	PERCENT
fsr-4060	191	2	16%	PERCENT
fsr-4060	191	3	13%	PERCENT
fsr-4060	192	1	48%	PERCENT
fsr-4060	192	2	2015	DATE
fsr-4060	193	1	two	CARDINAL
fsr-4060	195	1	26%	PERCENT
fsr-4060	195	2	their first year	DATE
fsr-4060	195	3	23%	PERCENT
fsr-4060	195	4	their second year	DATE
fsr-4060	195	5	25%	PERCENT
fsr-4060	195	6	their third year	DATE
fsr-4060	195	7	20%	PERCENT
fsr-4060	195	8	their fourth year	DATE
fsr-4060	195	9	6%	PERCENT
fsr-4060	195	10	more than four years	DATE
fsr-4060	196	1	67%	PERCENT
fsr-4060	196	2	30%	PERCENT
fsr-4060	196	3	3%	PERCENT
fsr-4060	197	1	approximately two-thirds	CARDINAL
fsr-4060	197	2	6%	PERCENT
fsr-4060	197	3	11%	PERCENT
fsr-4060	197	4	hispanic	NORP
fsr-4060	197	5	8%	PERCENT
fsr-4060	197	6	asian	NORP
fsr-4060	197	7	10%	PERCENT
fsr-4060	198	1	approximately $19,000	MONEY
fsr-4060	198	2	just over $27,000	MONEY
fsr-4060	199	1	64%	PERCENT
fsr-4060	199	2	3.38	CARDINAL
fsr-4060	200	1	approximately 71%	PERCENT
fsr-4060	201	1	65%	PERCENT
fsr-4060	202	1	thirty percent	PERCENT
fsr-4060	202	2	21%	PERCENT
fsr-4060	202	3	19%	PERCENT
fsr-4060	202	4	18%	PERCENT
fsr-4060	202	5	17%	PERCENT
fsr-4060	203	1	just over 60%	PERCENT
fsr-4060	203	2	6,500	MONEY
fsr-4060	204	1	2.3	CARDINAL
fsr-4060	204	2	2.01	CARDINAL
fsr-4060	205	1	33(2	CARDINAL
fsr-4060	205	2	82	CARDINAL
fsr-4060	205	3	1	CARDINAL
fsr-4060	207	1	n=3,976	ORG
fsr-4060	207	2	0.13 0.71 0.16 max	QUANTITY
fsr-4060	207	3	$) $22,942 $27,107	MONEY
fsr-4060	207	4	0.25 year	DATE
fsr-4060	207	5	0.25	CARDINAL
fsr-4060	207	6	4 0.20 0.19 0.21 0.18	QUANTITY
fsr-4060	207	7	more than 4 years	DATE
fsr-4060	207	8	0.06 0.07 0.06 0.05	QUANTITY
fsr-4060	207	9	0.37	CARDINAL
fsr-4060	207	10	0.15 0.20 0.14 0.12	MONEY
fsr-4060	207	11	0.30 0.33 0.31 0.22	QUANTITY
fsr-4060	207	12	0.67	CARDINAL
fsr-4060	207	13	0.03	CARDINAL
fsr-4060	207	14	0.03	CARDINAL
fsr-4060	207	15	0.65 0.56 0.67 0.64	QUANTITY
fsr-4060	207	16	0.06	CARDINAL
fsr-4060	207	17	0.11	CARDINAL
fsr-4060	207	18	0.10 0.13 0.09 0.11	QUANTITY
fsr-4060	207	19	1,000	MONEY
fsr-4060	207	20	1.91	CARDINAL
fsr-4060	207	21	0.68 0.71 0.69	MONEY
fsr-4060	207	22	0.18 0.16	QUANTITY
fsr-4060	207	23	0.18 0.21	CARDINAL
fsr-4060	207	24	0.13 0.13 0.13 0.18	QUANTITY
fsr-4060	207	25	3.38 3.38 3.38 3.34	MONEY
fsr-4060	207	26	0.71 0.65 0.73 0.70	QUANTITY
fsr-4060	207	27	0.21	CARDINAL
fsr-4060	207	28	0.19 0.24	CARDINAL
fsr-4060	207	29	0.18	CARDINAL
fsr-4060	207	30	0.19 0.13	CARDINAL
fsr-4060	207	31	0.07	CARDINAL
fsr-4060	207	32	0.07 0.07 0.08	QUANTITY
fsr-4060	207	33	0.19 0.15 0.19 0.21	QUANTITY
fsr-4060	207	34	0.17	CARDINAL
fsr-4060	207	35	0.17 0.19	CARDINAL
fsr-4060	207	36	0.30 0.29 0.31 0.26	QUANTITY
fsr-4060	207	37	0.01 0.01 0.01 0.01	MONEY
fsr-4060	207	38	0.06 0.07 0.05 0.08	QUANTITY
fsr-4060	207	39	two year	DATE
fsr-4060	207	40	0.03 0.04 0.02	MONEY
fsr-4060	207	41	four year	DATE
fsr-4060	207	42	0.96	CARDINAL
fsr-4060	207	43	0.96 0.95	CARDINAL
fsr-4060	207	44	0.01 0.01 0.01 0.01	MONEY
fsr-4060	207	45	0.64 0.58 0.64 0.64 heckman et al	QUANTITY
fsr-4060	207	46	83	CARDINAL
fsr-4060	207	47	0.61	CARDINAL
fsr-4060	207	48	0.63 0.56	CARDINAL
fsr-4060	207	49	1k	MONEY
fsr-4060	207	50	6.55	CARDINAL
fsr-4060	207	51	14	CARDINAL
fsr-4060	207	52	2.31	CARDINAL
fsr-4060	207	53	2.32 2.20	CARDINAL
fsr-4060	207	54	2.01	CARDINAL
fsr-4060	207	55	2.07 1.97 2.15	QUANTITY
fsr-4060	207	56	tobit	ORG
fsr-4060	208	1	2	CARDINAL
fsr-4060	208	2	tobit	ORG
fsr-4060	208	3	3	CARDINAL
fsr-4060	209	1	2	CARDINAL
fsr-4060	210	1	tobit	ORG
fsr-4060	212	1	one	CARDINAL
fsr-4060	213	1	later years	DATE
fsr-4060	214	1	first-year	DATE
fsr-4060	214	2	the later year	DATE
fsr-4060	215	1	more than four years	DATE
fsr-4060	215	2	5.4	CARDINAL
fsr-4060	215	3	their first year	DATE
fsr-4060	216	1	first	ORDINAL
fsr-4060	218	1	2017	CARDINAL
fsr-4060	218	2	first	ORDINAL
fsr-4060	218	3	2015	DATE
fsr-4060	220	1	3.1	CARDINAL
fsr-4060	220	2	4.4 percentage	PERCENT
fsr-4060	221	1	.001	CARDINAL
fsr-4060	226	1	hispanic	NORP
fsr-4060	226	2	asian	NORP
fsr-4060	228	1	2017	CARDINAL
fsr-4060	228	2	hispanic	NORP
fsr-4060	228	3	2015	DATE
fsr-4060	235	1	5.485	CARDINAL
fsr-4060	235	2	.001	CARDINAL
fsr-4060	236	1	33(2	CARDINAL
fsr-4060	236	2	84	CARDINAL
fsr-4060	237	1	5.631	CARDINAL
fsr-4060	237	2	.001	CARDINAL
fsr-4060	238	1	goldrick-rab & kelchen	ORG
fsr-4060	238	2	2015	DATE
fsr-4060	238	3	hart & mustafa, 2008	LAW
fsr-4060	241	1	.001	CARDINAL
fsr-4060	245	1	gpa	PERSON
fsr-4060	246	1	second	ORDINAL
fsr-4060	246	2	.001	CARDINAL
fsr-4060	247	1	2015	CARDINAL
fsr-4060	248	1	scfw	GPE
fsr-4060	249	1	one	CARDINAL
fsr-4060	252	1	4.3	CARDINAL
fsr-4060	252	2	3.138	TIME
fsr-4060	252	3	.001	CARDINAL
fsr-4060	256	1	2.821	CARDINAL
fsr-4060	256	2	.001	CARDINAL
fsr-4060	258	1	.001	CARDINAL
fsr-4060	260	1	3.086	CARDINAL
fsr-4060	260	2	.001	CARDINAL
fsr-4060	261	1	4year degree	QUANTITY
fsr-4060	261	2	2-year	DATE
fsr-4060	261	3	2.006	CARDINAL
fsr-4060	264	1	1.430	CARDINAL
fsr-4060	264	2	.001	CARDINAL
fsr-4060	266	1	.001	CARDINAL
fsr-4060	271	1	h4	ORG
fsr-4060	271	2	heckman et al	PERSON
fsr-4060	271	3	85	CARDINAL
fsr-4060	272	1	3.041	CARDINAL
fsr-4060	272	2	.001	CARDINAL
fsr-4060	273	1	.001	CARDINAL
fsr-4060	274	1	cha	PERSON
fsr-4060	274	2	weagley	GPE
fsr-4060	274	3	2002	DATE
fsr-4060	276	1	letkiewicz et al.	PERSON
fsr-4060	276	2	2019	DATE
fsr-4060	277	1	2	CARDINAL
fsr-4060	277	2	year 1) year	DATE
fsr-4060	277	3	2 .006	QUANTITY
fsr-4060	277	4	.007	CARDINAL
fsr-4060	277	5	.080 year	DATE
fsr-4060	277	6	3 .001	QUANTITY
fsr-4060	277	7	.034 .008	CARDINAL
fsr-4060	277	8	4	CARDINAL
fsr-4060	277	9	.007	CARDINAL
fsr-4060	277	10	.001	CARDINAL
fsr-4060	277	11	.007	CARDINAL
fsr-4060	277	12	.001	CARDINAL
fsr-4060	277	13	more than 4	CARDINAL
fsr-4060	277	14	.239	PRODUCT
fsr-4060	277	15	.001	CARDINAL
fsr-4060	277	16	.011	CARDINAL
fsr-4060	277	17	first	ORDINAL
fsr-4060	277	18	.005	CARDINAL
fsr-4060	277	19	.475 -.012	ORG
fsr-4060	277	20	.005	CARDINAL
fsr-4060	277	21	.006	CARDINAL
fsr-4060	277	22	.001	CARDINAL
fsr-4060	277	23	.009 .001	PERCENT
fsr-4060	277	24	.008 .115	CARDINAL
fsr-4060	277	25	.005	CARDINAL
fsr-4060	277	26	.001	CARDINAL
fsr-4060	277	27	.007	CARDINAL
fsr-4060	277	28	.056 .005	CARDINAL
fsr-4060	277	29	.001	CARDINAL
fsr-4060	277	30	021 .015	CARDINAL
fsr-4060	278	1	.020	CARDINAL
fsr-4060	278	2	.079 .017	PERSON
fsr-4060	278	3	.001	CARDINAL
fsr-4060	278	4	.038 .010	CARDINAL
fsr-4060	279	1	.001	CARDINAL
fsr-4060	279	2	.013	CARDINAL
fsr-4060	279	3	.001	CARDINAL
fsr-4060	279	4	.008	CARDINAL
fsr-4060	279	5	hispanic	NORP
fsr-4060	279	6	.039 .008	QUANTITY
fsr-4060	279	7	.001	CARDINAL
fsr-4060	279	8	.010	CARDINAL
fsr-4060	279	9	.009	ORDINAL
fsr-4060	280	1	.008	CARDINAL
fsr-4060	280	2	asian	NORP
fsr-4060	280	3	.001	CARDINAL
fsr-4060	280	4	.011	CARDINAL
fsr-4060	280	5	.001	CARDINAL
fsr-4060	280	6	.008 .430	CARDINAL
fsr-4060	280	7	.010	CARDINAL
fsr-4060	280	8	.008 .213	CARDINAL
fsr-4060	280	9	.005	CARDINAL
fsr-4060	280	10	.021	ORG
fsr-4060	280	11	.014 .006 .011	ORG
fsr-4060	280	12	.006 .003	CARDINAL
fsr-4060	280	13	.023 .012 .062	PERSON
fsr-4060	281	1	.015 .002	MONEY
fsr-4060	281	2	.012	CARDINAL
fsr-4060	281	3	.016 .004	MONEY
fsr-4060	281	4	.011 .006 .058	ORG
fsr-4060	282	1	.005	CARDINAL
fsr-4060	282	2	.001	CARDINAL
fsr-4060	282	3	.005	CARDINAL
fsr-4060	282	4	.001	CARDINAL
fsr-4060	282	5	.005	CARDINAL
fsr-4060	282	6	financial services review	ORG
fsr-4060	282	7	33(2	CARDINAL
fsr-4060	282	8	86	CARDINAL
fsr-4060	282	9	.020 .006 .001	ORG
fsr-4060	283	1	.012	ORG
fsr-4060	283	2	.094	CARDINAL
fsr-4060	284	1	.003	CARDINAL
fsr-4060	284	2	.007	CARDINAL
fsr-4060	284	3	.056 .010	CARDINAL
fsr-4060	284	4	.001	CARDINAL
fsr-4060	284	5	.008	CARDINAL
fsr-4060	284	6	.001	CARDINAL
fsr-4060	284	7	.009	CARDINAL
fsr-4060	284	8	.012	ORG
fsr-4060	284	9	.002 .010	CARDINAL
fsr-4060	284	10	.007	CARDINAL
fsr-4060	284	11	.007	CARDINAL
fsr-4060	284	12	.007	CARDINAL
fsr-4060	284	13	.009 .281 .002	PRODUCT
fsr-4060	284	14	.781	CARDINAL
fsr-4060	284	15	.006	CARDINAL
fsr-4060	284	16	.009 .004	MONEY
fsr-4060	284	17	.001	CARDINAL
fsr-4060	284	18	.033 .230 -.063 .030	PERSON
fsr-4060	285	1	.036	CARDINAL
fsr-4060	285	2	.013	CARDINAL
fsr-4060	285	3	.016	ORG
fsr-4060	285	4	.115 degree	QUANTITY
fsr-4060	285	5	2 yr	CARDINAL
fsr-4060	285	6	4-year	DATE
fsr-4060	285	7	.013	CARDINAL
fsr-4060	286	1	.016	CARDINAL
fsr-4060	286	2	.240	CARDINAL
fsr-4060	286	3	.032 .263 other -.039 .022 .081	PERSON
fsr-4060	287	1	.034	CARDINAL
fsr-4060	287	2	.033	CARDINAL
fsr-4060	287	3	.005	CARDINAL
fsr-4060	287	4	.001	CARDINAL
fsr-4060	287	5	.001	CARDINAL
fsr-4060	287	6	.001 .042 .008	MONEY
fsr-4060	287	7	.007	CARDINAL
fsr-4060	287	8	.301	CARDINAL
fsr-4060	287	9	.002 .000	MONEY
fsr-4060	287	10	.001 .126	MONEY
fsr-4060	288	1	.000 .003	CARDINAL
fsr-4060	288	2	.020 .003	CARDINAL
fsr-4060	288	3	.001 .001 .004	MONEY
fsr-4060	289	1	.003	CARDINAL
fsr-4060	289	2	.001	CARDINAL
fsr-4060	289	3	.021 .002	MONEY
fsr-4060	289	4	.001	CARDINAL
fsr-4060	290	1	.003	CARDINAL
fsr-4060	293	1	scfw	GPE
fsr-4060	293	2	us	GPE
fsr-4060	297	1	4-year	DATE
fsr-4060	297	2	81%	PERCENT
fsr-4060	297	3	43%	PERCENT
fsr-4060	298	1	4-year	DATE
fsr-4060	298	2	2-year	DATE
fsr-4060	298	3	9%	PERCENT
fsr-4060	298	4	30%	PERCENT
fsr-4060	298	5	4-year	DATE
fsr-4060	298	6	10%	PERCENT
fsr-4060	298	7	21%	PERCENT
fsr-4060	299	1	2017	CARDINAL
fsr-4060	299	2	goldrick-rab & kelchen	ORG
fsr-4060	299	3	2015	DATE
fsr-4060	300	1	heckman et al	PERSON
fsr-4060	301	1	87	CARDINAL
fsr-4060	301	2	3	CARDINAL
fsr-4060	301	3	2020	DATE
fsr-4060	303	1	year 1) year 2	DATE
fsr-4060	303	2	3 0.338	CARDINAL
fsr-4060	304	1	first	ORDINAL
fsr-4060	304	2	.408	CARDINAL
fsr-4060	304	3	.292	CARDINAL
fsr-4060	304	4	.005	CARDINAL
fsr-4060	304	5	.575	CARDINAL
fsr-4060	304	6	.001	CARDINAL
fsr-4060	304	7	hispanic	NORP
fsr-4060	304	8	.001	CARDINAL
fsr-4060	304	9	asian	NORP
fsr-4060	304	10	.001	CARDINAL
fsr-4060	304	11	.001	CARDINAL
fsr-4060	304	12	5.485 .311	QUANTITY
fsr-4060	304	13	.001	CARDINAL
fsr-4060	305	1	5.631 .366	MONEY
fsr-4060	305	2	.001	CARDINAL
fsr-4060	305	3	.001	CARDINAL
fsr-4060	305	4	.001	CARDINAL
fsr-4060	305	5	3.138 .290	QUANTITY
fsr-4060	305	6	.001	CARDINAL
fsr-4060	305	7	major: arts & humanities	ORG
fsr-4060	305	8	.001	CARDINAL
fsr-4060	305	9	0.530	CARDINAL
fsr-4060	305	10	.241	CARDINAL
fsr-4060	305	11	3.086	CARDINAL
fsr-4060	305	12	.001	CARDINAL
fsr-4060	305	13	0.317	CARDINAL
fsr-4060	305	14	.423	PRODUCT
fsr-4060	305	15	0.538 .380	CARDINAL
fsr-4060	306	1	1.384	CARDINAL
fsr-4060	306	2	2 yr	CARDINAL
fsr-4060	306	3	4-year 2.006	DATE
fsr-4060	306	4	.019	CARDINAL
fsr-4060	306	5	2.415 1.839	CARDINAL
fsr-4060	306	6	4.695	CARDINAL
fsr-4060	306	7	2.821 .278	QUANTITY
fsr-4060	306	8	.001	CARDINAL
fsr-4060	306	9	1.430 .358	QUANTITY
fsr-4060	306	10	.001	CARDINAL
fsr-4060	306	11	.001	CARDINAL
fsr-4060	306	12	.001	CARDINAL
fsr-4060	306	13	.148	CARDINAL
fsr-4060	306	14	.001	CARDINAL
fsr-4060	306	15	33(2	CARDINAL
fsr-4060	306	16	88	CARDINAL
fsr-4060	306	17	one	CARDINAL
fsr-4060	306	18	dowd & coury	ORG
fsr-4060	306	19	2006	DATE
fsr-4060	306	20	heckman & montalto	ORG
fsr-4060	306	21	2018	DATE
fsr-4060	308	1	two	CARDINAL
fsr-4060	308	2	2006	DATE
fsr-4060	308	3	more than	CARDINAL
fsr-4060	308	4	2-year	DATE
fsr-4060	311	1	two	CARDINAL
fsr-4060	311	2	2006	DATE
fsr-4060	312	1	cadena & keys	ORG
fsr-4060	312	2	2013	DATE
fsr-4060	312	3	avery & turner	ORG
fsr-4060	312	4	2012	DATE
fsr-4060	315	1	2019	DATE
fsr-4060	316	1	u.s. department of education	ORG
fsr-4060	316	2	n.d.	GPE
fsr-4060	318	1	one	CARDINAL
fsr-4060	318	2	anthony et al.	PERSON
fsr-4060	318	3	2016	DATE
fsr-4060	320	1	approximately $29,000	MONEY
fsr-4060	320	2	ma & pender	ORG
fsr-4060	320	3	2023	CARDINAL
fsr-4060	321	1	2018	DATE
fsr-4060	321	2	2019	DATE
fsr-4060	321	3	43,700	MONEY
fsr-4060	321	4	100,000	MONEY
fsr-4060	321	5	ma & pender	ORG
fsr-4060	321	6	2023	CARDINAL
fsr-4060	326	1	first	ORDINAL
fsr-4060	330	1	heckman et al	PERSON
fsr-4060	330	2	2017	DATE
fsr-4060	334	1	second	ORDINAL
fsr-4060	336	1	li	ORG
fsr-4060	336	2	2013	DATE
fsr-4060	336	3	muller & yannelis	ORG
fsr-4060	336	4	2019	DATE
fsr-4060	339	1	2019	DATE
fsr-4060	341	1	2023	CARDINAL
fsr-4060	341	2	2023	CARDINAL
fsr-4060	342	1	u.s.	GPE
fsr-4060	343	1	2013	DATE
fsr-4060	343	2	2017	CARDINAL
fsr-4060	349	1	a.	PERSON
fsr-4060	349	2	2010	DATE
fsr-4060	351	1	57(3	CARDINAL
fsr-4060	351	2	458479	DATE
fsr-4060	352	1	anthony, a. m.	PERSON
fsr-4060	352	2	l. c., & seldin	PERSON
fsr-4060	352	3	a.	PERSON
fsr-4060	352	4	2016	DATE
fsr-4060	355	1	46(2	CARDINAL
fsr-4060	355	2	25-50	CARDINAL
fsr-4060	356	1	avery	ORG
fsr-4060	356	2	c., & turner	ORG
fsr-4060	356	3	s.	PERSON
fsr-4060	356	4	2012	DATE
fsr-4060	358	1	26(1	CARDINAL
fsr-4060	358	2	165	CARDINAL
fsr-4060	358	3	jep.26.1.165 baum	PERSON
fsr-4060	358	4	s., & payea	ORG
fsr-4060	358	5	k.	PERSON
fsr-4060	358	6	2012	DATE
fsr-4060	359	1	2012	DATE
fsr-4060	361	1	baum, s., & schwartz	ORG
fsr-4060	361	2	s. (2015	ORG
fsr-4060	363	1	a.a.	GPE
fsr-4060	363	2	ed	PERSON
fsr-4060	363	3	38	CARDINAL
fsr-4060	364	1	becker	PERSON
fsr-4060	364	2	1964	DATE
fsr-4060	366	1	2nd	ORDINAL
fsr-4060	367	1	columbia university press	ORG
fsr-4060	368	1	ben-porath	PERSON
fsr-4060	368	2	1967	DATE
fsr-4060	370	1	75(4	DATE
fsr-4060	370	2	352	CARDINAL
fsr-4060	370	3	a., & evans	ORG
fsr-4060	370	4	b. j.	PERSON
fsr-4060	370	5	2017	CARDINAL
fsr-4060	372	1	the american academy of political and social science	ORG
fsr-4060	372	2	671(1	CARDINAL
fsr-4060	372	3	49	CARDINAL
fsr-4060	372	4	b. j.	PERSON
fsr-4060	372	5	a.	PERSON
fsr-4060	372	6	2017	CARDINAL
fsr-4060	373	1	33(2	CARDINAL
fsr-4060	373	2	90	CARDINAL
fsr-4060	374	1	aera	PERSON
fsr-4060	374	2	3(1	CARDINAL
fsr-4060	374	3	2332858416683649	DATE
fsr-4060	375	1	cadena	ORG
fsr-4060	375	2	b. c., & keys	PERSON
fsr-4060	375	3	b. j.	PERSON
fsr-4060	375	4	2013	DATE
fsr-4060	378	1	95(4	CARDINAL
fsr-4060	378	2	1117-1129	CARDINAL
fsr-4060	381	1	116–136	CARDINAL
fsr-4060	381	2	134	CARDINAL
fsr-4060	382	1	281	CARDINAL
fsr-4060	382	2	2020	DATE
fsr-4060	383	1	carnevale, a. p.	PERSON
fsr-4060	383	2	cheah	PERSON
fsr-4060	383	3	2021	CARDINAL
fsr-4060	385	1	georgetown university center	ORG
fsr-4060	386	1	r. o.	PERSON
fsr-4060	386	2	2002	DATE
fsr-4060	388	1	13(1	CARDINAL
fsr-4060	388	2	61–73	CARDINAL
fsr-4060	389	1	checchi	ORG
fsr-4060	389	2	2006	DATE
fsr-4060	391	1	cambridge university press	ORG
fsr-4060	393	1	2023	CARDINAL
fsr-4060	394	1	2023	CARDINAL
fsr-4060	394	2	https://research.collegeboard.org/media/	CARDINAL
fsr-4060	394	3	pdf	ORG
fsr-4060	394	4	ated.pdf cunningham	ORG
fsr-4060	394	5	a. f., & santiago	PERSON
fsr-4060	394	6	d. a.	PERSON
fsr-4060	394	7	2008	DATE
fsr-4060	397	1	84.pdf daly	LOC
fsr-4060	397	2	m. c.	PERSON
fsr-4060	397	3	buckman	PERSON
fsr-4060	397	4	s. r., &	PERSON
fsr-4060	397	5	l. m.	PERSON
fsr-4060	397	6	2020	DATE
fsr-4060	399	1	1-5	CARDINAL
fsr-4060	399	2	damon, a., & glewwe	PERSON
fsr-4060	399	3	2011	DATE
fsr-4060	400	1	minnesota	GPE
fsr-4060	401	1	1242-1261	CARDINAL
fsr-4060	402	1	l.	GPE
fsr-4060	402	2	harmon	PERSON
fsr-4060	402	3	c. (2011	GPE
fsr-4060	404	1	1136-1152	CARDINAL
fsr-4060	405	1	s. l., & toutkoushian	PERSON
fsr-4060	405	2	r. k.	PERSON
fsr-4060	405	3	2005	DATE
fsr-4060	408	1	j. c.	GPE
fsr-4060	408	2	20	CARDINAL
fsr-4060	411	1	m. r.	PERSON
fsr-4060	411	2	perantie	GPE
fsr-4060	411	3	d.	NORP
fsr-4060	411	4	taylor	PERSON
fsr-4060	411	5	s.	PERSON
fsr-4060	411	6	m.	PERSON
fsr-4060	411	7	friedline	NORP
fsr-4060	411	8	t., & raghavan	ORG
fsr-4060	411	9	r.	NORP
fsr-4060	411	10	2016	DATE
fsr-4060	413	1	70	DATE
fsr-4060	413	2	8	CARDINAL
fsr-4060	414	1	dowd	PERSON
fsr-4060	414	2	a. c., & coury	PERSON
fsr-4060	414	3	t.	GPE
fsr-4060	414	4	2006	DATE
fsr-4060	416	1	47(1	DATE
fsr-4060	416	2	33	CARDINAL
fsr-4060	417	1	fox	ORG
fsr-4060	417	2	j. j.	PERSON
fsr-4060	417	3	s.	PERSON
fsr-4060	417	4	letkiewicz	PERSON
fsr-4060	417	5	j. c.	PERSON
fsr-4060	418	1	c. p.	PERSON
fsr-4060	418	2	2017	CARDINAL
fsr-4060	420	1	47(2	CARDINAL
fsr-4060	420	2	s., & williams	ORG
fsr-4060	420	3	2017	CARDINAL
fsr-4060	422	1	consumer financial protection bureau	ORG
fsr-4060	423	1	f.	PERSON
fsr-4060	423	2	k. m.	PERSON
fsr-4060	423	3	m., mccall	ORG
fsr-4060	423	4	b. p.,	PERSON
fsr-4060	423	5	s. l.	PERSON
fsr-4060	423	6	2017	CARDINAL
fsr-4060	425	1	the american academy of political and social science	ORG
fsr-4060	425	2	671(1	CARDINAL
fsr-4060	425	3	69–91	CARDINAL
fsr-4060	426	1	s., & kelchen	ORG
fsr-4060	426	2	r.	PERSON
fsr-4060	426	3	2015	DATE
fsr-4060	428	1	91	CARDINAL
fsr-4060	428	2	wisconsin	GPE
fsr-4060	429	1	h. hershbein & k. hollenbeck	ORG
fsr-4060	430	1	317–378	CARDINAL
fsr-4060	431	1	w.e. upjohn institute for employment research	ORG
fsr-4060	432	1	https://doi.org/10.17848/978088099487	GPE
fsr-4060	432	2	3.ch10	CARDINAL
fsr-4060	432	3	n. k.	PERSON
fsr-4060	432	4	2008	DATE
fsr-4060	435	1	38(1	CARDINAL
fsr-4060	436	1	heckman	PERSON
fsr-4060	436	2	s. j., lim	PERSON
fsr-4060	436	3	c. p.	PERSON
fsr-4060	436	4	2014	DATE
fsr-4060	438	1	5(1	CARDINAL
fsr-4060	438	2	19–39	CARDINAL
fsr-4060	439	1	https://doi.org/10.4148/1944-9771.1063 heckman	PERSON
fsr-4060	439	2	s. j., & montalto	PERSON
fsr-4060	439	3	c. p.	PERSON
fsr-4060	439	4	2018	DATE
fsr-4060	441	1	166–196	CARDINAL
fsr-4060	442	1	miller	ORG
fsr-4060	442	2	d. l.	PERSON
fsr-4060	442	3	j. (	PERSON
fsr-4060	442	4	2012	DATE
fsr-4060	445	1	jacob	PERSON
fsr-4060	445	2	b.	PERSON
fsr-4060	445	3	b., & strange	ORG
fsr-4060	445	4	k.	PERSON
fsr-4060	445	5	2013	DATE
fsr-4060	447	1	american economic association	ORG
fsr-4060	447	2	103(5	CARDINAL
fsr-4060	447	3	18811915	DATE
fsr-4060	448	1	letkiewicz	PERSON
fsr-4060	448	2	j. c., lim	PERSON
fsr-4060	448	3	heckman	PERSON
fsr-4060	448	4	s. j., & montalto	PERSON
fsr-4060	448	5	c. p.	PERSON
fsr-4060	448	6	2019	DATE
fsr-4060	450	1	consumer sciences research journal	ORG
fsr-4060	450	2	48(2	DATE
fsr-4060	450	3	149–164	CARDINAL
fsr-4060	451	1	li	PERSON
fsr-4060	451	2	w.	PERSON
fsr-4060	451	3	2013	DATE
fsr-4060	453	1	3	CARDINAL
fsr-4060	453	2	1	CARDINAL
fsr-4060	454	1	j., & pender	ORG
fsr-4060	454	2	2023	CARDINAL
fsr-4060	455	1	2023	CARDINAL
fsr-4060	457	1	https://research.collegeboard.org/media/	CARDINAL
fsr-4060	457	2	pdf	ORG
fsr-4060	457	3	e. c.	PERSON
fsr-4060	457	4	r. e.	PERSON
fsr-4060	457	5	2021	CARDINAL
fsr-4060	459	1	424–445	CARDINAL
fsr-4060	460	1	l., & burridge	ORG
fsr-4060	460	2	a. b.	PERSON
fsr-4060	460	3	2015	DATE
fsr-4060	463	1	56(1	CARDINAL
fsr-4060	463	2	299–324	CARDINAL
fsr-4060	464	1	national student clearinghouse research center	ORG
fsr-4060	465	1	2017	CARDINAL
fsr-4060	466	1	2017	CARDINAL
fsr-4060	467	1	2013	DATE
fsr-4060	469	1	41–65	DATE
fsr-4060	469	2	k. g.	PERSON
fsr-4060	469	3	2011	DATE
fsr-4060	471	1	159–184	CARDINAL
fsr-4060	471	2	perna	PERSON
fsr-4060	471	3	l. w.	PERSON
fsr-4060	471	4	2008	DATE
fsr-4060	473	1	49(7	CARDINAL
fsr-4060	473	2	589–606	CARDINAL
fsr-4060	473	3	m., & selingo	ORG
fsr-4060	473	4	j.	PERSON
fsr-4060	473	5	2021	CARDINAL
fsr-4060	476	1	simon	PERSON
fsr-4060	476	2	h.a.	GPE
fsr-4060	476	3	1955	DATE
fsr-4060	478	1	quarterly	DATE
fsr-4060	479	1	99–118	CARDINAL
fsr-4060	479	2	u.s.	GPE
fsr-4060	480	1	2020	DATE
fsr-4060	482	1	https://studentaid.gov/sites/default/files/	ORG
fsr-4060	482	2	https://www.google.com/search?q=https://www.google.com/search%3fq%3dhttps://doi.org/10.17848/9780880994873.ch10	PERSON
fsr-4060	482	3	https://research.collegeboard.org/media/pdf/education-pays-2023.pdf https://research.collegeboard.org/media/pdf/education-pays-2023.pdf	ORG
fsr-4060	482	4	https://studentaid.gov/sites/default/files/dlenteringdefaults.xls https://studentaid.gov/sites/default/files/dlenteringdefaults.xls	ORG
fsr-4060	482	5	33(2	CARDINAL
fsr-4060	482	6	92	CARDINAL
fsr-4060	482	7	u.s.	GPE
fsr-4060	483	1	n.d.	GPE
fsr-4060	485	1	r. g.	PERSON
fsr-4060	485	2	2017	CARDINAL
fsr-4060	488	1	university of chicago	ORG