id	sid	tid	token	lemma	pos
fsr-4060	1	1	financial	financial	PROPN
fsr-4060	1	2	services	service	NOUN
fsr-4060	1	3	review	review	NOUN
fsr-4060	1	4	,	,	PUNCT
fsr-4060	1	5	33(2	33(2	NUM
fsr-4060	1	6	)	)	PUNCT
fsr-4060	1	7	74	74	NUM
fsr-4060	1	8	student	student	NOUN
fsr-4060	1	9	willingness	willingness	NOUN
fsr-4060	1	10	to	to	PART
fsr-4060	1	11	borrow	borrow	VERB
fsr-4060	1	12	for	for	ADP
fsr-4060	1	13	higher	high	ADJ
fsr-4060	1	14	education	education	NOUN
fsr-4060	1	15	stuart	stuart	PROPN
fsr-4060	1	16	heckman,1	heckman,1	PROPN
fsr-4060	1	17	jodi	jodi	PROPN
fsr-4060	1	18	letkiewicz,2	letkiewicz,2	PROPN
fsr-4060	1	19	and	and	CCONJ
fsr-4060	1	20	hanna	hanna	PROPN
fsr-4060	1	21	lim3	lim3	PROPN
fsr-4060	1	22	abstract	abstract	PROPN
fsr-4060	1	23	a	a	DET
fsr-4060	1	24	human	human	ADJ
fsr-4060	1	25	capital	capital	NOUN
fsr-4060	1	26	model	model	NOUN
fsr-4060	1	27	is	be	AUX
fsr-4060	1	28	used	use	VERB
fsr-4060	1	29	to	to	PART
fsr-4060	1	30	examine	examine	VERB
fsr-4060	1	31	students	student	NOUN
fsr-4060	1	32	’	'	PUNCT
fsr-4060	1	33	willingness	willingness	NOUN
fsr-4060	1	34	to	to	PART
fsr-4060	1	35	borrow	borrow	VERB
fsr-4060	1	36	to	to	PART
fsr-4060	1	37	pay	pay	VERB
fsr-4060	1	38	for	for	ADP
fsr-4060	1	39	a	a	DET
fsr-4060	1	40	college	college	NOUN
fsr-4060	1	41	degree	degree	NOUN
fsr-4060	1	42	.	.	PUNCT
fsr-4060	2	1	we	we	PRON
fsr-4060	2	2	hypothesize	hypothesize	VERB
fsr-4060	2	3	direct	direct	ADJ
fsr-4060	2	4	costs	cost	NOUN
fsr-4060	2	5	of	of	ADP
fsr-4060	2	6	education	education	NOUN
fsr-4060	2	7	and	and	CCONJ
fsr-4060	2	8	education	education	NOUN
fsr-4060	2	9	goals	goal	NOUN
fsr-4060	2	10	to	to	PART
fsr-4060	2	11	be	be	AUX
fsr-4060	2	12	positively	positively	ADV
fsr-4060	2	13	associated	associate	VERB
fsr-4060	2	14	and	and	CCONJ
fsr-4060	2	15	current	current	ADJ
fsr-4060	2	16	income	income	NOUN
fsr-4060	2	17	and	and	CCONJ
fsr-4060	2	18	alternative	alternative	ADJ
fsr-4060	2	19	financial	financial	ADJ
fsr-4060	2	20	support	support	NOUN
fsr-4060	2	21	to	to	PART
fsr-4060	2	22	be	be	AUX
fsr-4060	2	23	negatively	negatively	ADV
fsr-4060	2	24	associated	associate	VERB
fsr-4060	2	25	with	with	ADP
fsr-4060	2	26	willingness	willingness	NOUN
fsr-4060	2	27	to	to	PART
fsr-4060	2	28	borrow	borrow	VERB
fsr-4060	2	29	.	.	PUNCT
fsr-4060	3	1	using	use	VERB
fsr-4060	3	2	college	college	NOUN
fsr-4060	3	3	student	student	NOUN
fsr-4060	3	4	data	datum	NOUN
fsr-4060	3	5	from	from	ADP
fsr-4060	3	6	the	the	DET
fsr-4060	3	7	2020	2020	NUM
fsr-4060	3	8	study	study	NOUN
fsr-4060	3	9	on	on	ADP
fsr-4060	3	10	collegiate	collegiate	ADJ
fsr-4060	3	11	financial	financial	ADJ
fsr-4060	3	12	wellness	wellness	NOUN
fsr-4060	3	13	,	,	PUNCT
fsr-4060	3	14	we	we	PRON
fsr-4060	3	15	found	find	VERB
fsr-4060	3	16	that	that	SCONJ
fsr-4060	3	17	13	13	NUM
fsr-4060	3	18	%	%	NOUN
fsr-4060	3	19	of	of	ADP
fsr-4060	3	20	college	college	NOUN
fsr-4060	3	21	students	student	NOUN
fsr-4060	3	22	are	be	AUX
fsr-4060	3	23	not	not	PART
fsr-4060	3	24	willing	willing	ADJ
fsr-4060	3	25	to	to	PART
fsr-4060	3	26	borrow	borrow	VERB
fsr-4060	3	27	to	to	PART
fsr-4060	3	28	pay	pay	VERB
fsr-4060	3	29	for	for	ADP
fsr-4060	3	30	school	school	NOUN
fsr-4060	3	31	,	,	PUNCT
fsr-4060	3	32	31	31	NUM
fsr-4060	3	33	%	%	NOUN
fsr-4060	3	34	are	be	AUX
fsr-4060	3	35	willing	willing	ADJ
fsr-4060	3	36	to	to	PART
fsr-4060	3	37	borrow	borrow	VERB
fsr-4060	3	38	up	up	ADP
fsr-4060	3	39	to	to	PART
fsr-4060	3	40	$	$	SYM
fsr-4060	3	41	20,000	20,000	NUM
fsr-4060	3	42	,	,	PUNCT
fsr-4060	3	43	and	and	CCONJ
fsr-4060	3	44	27	27	NUM
fsr-4060	3	45	%	%	NOUN
fsr-4060	3	46	are	be	AUX
fsr-4060	3	47	willing	willing	ADJ
fsr-4060	3	48	to	to	PART
fsr-4060	3	49	borrow	borrow	VERB
fsr-4060	3	50	up	up	ADP
fsr-4060	3	51	to	to	PART
fsr-4060	3	52	$	$	SYM
fsr-4060	3	53	50,000	50,000	NUM
fsr-4060	3	54	.	.	PUNCT
fsr-4060	4	1	overall	overall	ADV
fsr-4060	4	2	,	,	PUNCT
fsr-4060	4	3	we	we	PRON
fsr-4060	4	4	find	find	VERB
fsr-4060	4	5	evidence	evidence	NOUN
fsr-4060	4	6	that	that	SCONJ
fsr-4060	4	7	students	student	NOUN
fsr-4060	4	8	’	'	PUNCT
fsr-4060	4	9	willingness	willingness	NOUN
fsr-4060	4	10	to	to	PART
fsr-4060	4	11	borrow	borrow	VERB
fsr-4060	4	12	corresponds	correspond	NOUN
fsr-4060	4	13	to	to	ADP
fsr-4060	4	14	the	the	DET
fsr-4060	4	15	rational	rational	ADJ
fsr-4060	4	16	decisions	decision	NOUN
fsr-4060	4	17	predicted	predict	VERB
fsr-4060	4	18	from	from	ADP
fsr-4060	4	19	human	human	ADJ
fsr-4060	4	20	capital	capital	NOUN
fsr-4060	4	21	theory	theory	NOUN
fsr-4060	4	22	.	.	PUNCT
fsr-4060	5	1	higher	high	ADJ
fsr-4060	5	2	tuition	tuition	NOUN
fsr-4060	5	3	costs	cost	NOUN
fsr-4060	5	4	,	,	PUNCT
fsr-4060	5	5	educational	educational	ADJ
fsr-4060	5	6	goals	goal	NOUN
fsr-4060	5	7	,	,	PUNCT
fsr-4060	5	8	and	and	CCONJ
fsr-4060	5	9	fields	field	NOUN
fsr-4060	5	10	of	of	ADP
fsr-4060	5	11	study	study	NOUN
fsr-4060	5	12	with	with	ADP
fsr-4060	5	13	higher	high	ADJ
fsr-4060	5	14	expected	expect	VERB
fsr-4060	5	15	pay	pay	NOUN
fsr-4060	5	16	were	be	AUX
fsr-4060	5	17	all	all	PRON
fsr-4060	5	18	positively	positively	ADV
fsr-4060	5	19	associated	associate	VERB
fsr-4060	5	20	with	with	ADP
fsr-4060	5	21	willingness	willingness	NOUN
fsr-4060	5	22	to	to	PART
fsr-4060	5	23	borrow	borrow	VERB
fsr-4060	5	24	.	.	PUNCT
fsr-4060	6	1	income	income	NOUN
fsr-4060	6	2	is	be	AUX
fsr-4060	6	3	positively	positively	ADV
fsr-4060	6	4	correlated	correlate	VERB
fsr-4060	6	5	with	with	ADP
fsr-4060	6	6	willingness	willingness	NOUN
fsr-4060	6	7	to	to	PART
fsr-4060	6	8	borrow	borrow	VERB
fsr-4060	6	9	at	at	ADP
fsr-4060	6	10	the	the	DET
fsr-4060	6	11	lower	low	ADJ
fsr-4060	6	12	end	end	NOUN
fsr-4060	6	13	of	of	ADP
fsr-4060	6	14	income	income	NOUN
fsr-4060	6	15	,	,	PUNCT
fsr-4060	6	16	but	but	CCONJ
fsr-4060	6	17	as	as	ADP
fsr-4060	6	18	income	income	NOUN
fsr-4060	6	19	increases	increase	NOUN
fsr-4060	6	20	,	,	PUNCT
fsr-4060	6	21	the	the	DET
fsr-4060	6	22	amount	amount	NOUN
fsr-4060	6	23	students	student	NOUN
fsr-4060	6	24	are	be	AUX
fsr-4060	6	25	willing	willing	ADJ
fsr-4060	6	26	to	to	PART
fsr-4060	6	27	borrow	borrow	VERB
fsr-4060	6	28	is	be	AUX
fsr-4060	6	29	less	less	ADJ
fsr-4060	6	30	.	.	PUNCT
fsr-4060	7	1	alternative	alternative	ADJ
fsr-4060	7	2	financial	financial	ADJ
fsr-4060	7	3	support	support	NOUN
fsr-4060	7	4	from	from	ADP
fsr-4060	7	5	either	either	DET
fsr-4060	7	6	scholarships	scholarship	NOUN
fsr-4060	7	7	,	,	PUNCT
fsr-4060	7	8	grants	grant	NOUN
fsr-4060	7	9	,	,	PUNCT
fsr-4060	7	10	or	or	CCONJ
fsr-4060	7	11	family	family	NOUN
fsr-4060	7	12	is	be	AUX
fsr-4060	7	13	negatively	negatively	ADV
fsr-4060	7	14	associated	associate	VERB
fsr-4060	7	15	with	with	ADP
fsr-4060	7	16	willingness	willingness	NOUN
fsr-4060	7	17	to	to	PART
fsr-4060	7	18	borrow	borrow	VERB
fsr-4060	7	19	,	,	PUNCT
fsr-4060	7	20	which	which	PRON
fsr-4060	7	21	is	be	AUX
fsr-4060	7	22	all	all	ADV
fsr-4060	7	23	consistent	consistent	ADJ
fsr-4060	7	24	with	with	ADP
fsr-4060	7	25	the	the	DET
fsr-4060	7	26	twoperiod	twoperiod	NOUN
fsr-4060	7	27	human	human	ADJ
fsr-4060	7	28	capital	capital	NOUN
fsr-4060	7	29	model	model	NOUN
fsr-4060	7	30	.	.	PUNCT
fsr-4060	8	1	creative	creative	ADJ
fsr-4060	8	2	commons	commons	PROPN
fsr-4060	8	3	license	license	NOUN
fsr-4060	8	4	this	this	DET
fsr-4060	8	5	work	work	NOUN
fsr-4060	8	6	is	be	AUX
fsr-4060	8	7	licensed	license	VERB
fsr-4060	8	8	under	under	ADP
fsr-4060	8	9	a	a	DET
fsr-4060	8	10	creative	creative	ADJ
fsr-4060	8	11	commons	common	NOUN
fsr-4060	8	12	attribution	attribution	NOUN
fsr-4060	8	13	-	-	PUNCT
fsr-4060	8	14	noncommercial	noncommercial	ADJ
fsr-4060	8	15	4.0	4.0	NUM
fsr-4060	8	16	license	license	NOUN
fsr-4060	8	17	recommended	recommend	VERB
fsr-4060	8	18	citation	citation	PROPN
fsr-4060	8	19	heckman	heckman	PROPN
fsr-4060	8	20	,	,	PUNCT
fsr-4060	8	21	s.	s.	PROPN
fsr-4060	8	22	,	,	PUNCT
fsr-4060	8	23	letkiewicz	letkiewicz	NOUN
fsr-4060	8	24	,	,	PUNCT
fsr-4060	8	25	j.	j.	PROPN
fsr-4060	8	26	,	,	PUNCT
fsr-4060	8	27	&	&	CCONJ
fsr-4060	8	28	lim	lim	PROPN
fsr-4060	8	29	,	,	PUNCT
fsr-4060	8	30	h.	h.	PROPN
fsr-4060	8	31	(	(	PUNCT
fsr-4060	8	32	2025	2025	NUM
fsr-4060	8	33	)	)	PUNCT
fsr-4060	8	34	.	.	PUNCT
fsr-4060	9	1	student	student	NOUN
fsr-4060	9	2	willingness	willingness	NOUN
fsr-4060	9	3	to	to	PART
fsr-4060	9	4	borrow	borrow	VERB
fsr-4060	9	5	for	for	ADP
fsr-4060	9	6	higher	high	ADJ
fsr-4060	9	7	education	education	NOUN
fsr-4060	9	8	.	.	PUNCT
fsr-4060	10	1	financial	financial	ADJ
fsr-4060	10	2	services	service	NOUN
fsr-4060	10	3	review	review	PROPN
fsr-4060	10	4	,	,	PUNCT
fsr-4060	10	5	33(2	33(2	NUM
fsr-4060	10	6	)	)	PUNCT
fsr-4060	10	7	,	,	PUNCT
fsr-4060	10	8	74	74	NUM
fsr-4060	10	9	-	-	SYM
fsr-4060	10	10	92	92	NUM
fsr-4060	10	11	.	.	PUNCT
fsr-4060	10	12	introduction	introduction	NOUN
fsr-4060	10	13	among	among	ADP
fsr-4060	10	14	policymakers	policymaker	NOUN
fsr-4060	10	15	,	,	PUNCT
fsr-4060	10	16	researchers	researcher	NOUN
fsr-4060	10	17	,	,	PUNCT
fsr-4060	10	18	and	and	CCONJ
fsr-4060	10	19	media	medium	NOUN
fsr-4060	10	20	outlets	outlet	NOUN
fsr-4060	10	21	,	,	PUNCT
fsr-4060	10	22	concerns	concern	NOUN
fsr-4060	10	23	abound	abound	VERB
fsr-4060	10	24	regarding	regard	VERB
fsr-4060	10	25	the	the	DET
fsr-4060	10	26	diminishing	diminish	VERB
fsr-4060	10	27	value	value	NOUN
fsr-4060	10	28	of	of	ADP
fsr-4060	10	29	a	a	DET
fsr-4060	10	30	college	college	NOUN
fsr-4060	10	31	degree	degree	NOUN
fsr-4060	10	32	and	and	CCONJ
fsr-4060	10	33	the	the	DET
fsr-4060	10	34	widespread	widespread	ADJ
fsr-4060	10	35	borrowing	borrowing	NOUN
fsr-4060	10	36	behavior	behavior	NOUN
fsr-4060	10	37	of	of	ADP
fsr-4060	10	38	college	college	NOUN
fsr-4060	10	39	students	student	NOUN
fsr-4060	10	40	.	.	PUNCT
fsr-4060	11	1	these	these	PRON
fsr-4060	11	2	are	be	AUX
fsr-4060	11	3	important	important	ADJ
fsr-4060	11	4	concerns	concern	NOUN
fsr-4060	11	5	since	since	SCONJ
fsr-4060	11	6	current	current	ADJ
fsr-4060	11	7	public	public	ADJ
fsr-4060	11	8	policy	policy	NOUN
fsr-4060	11	9	in	in	ADP
fsr-4060	11	10	the	the	DET
fsr-4060	11	11	u.s	u.s	PROPN
fsr-4060	11	12	.	.	PROPN
fsr-4060	11	13	is	be	AUX
fsr-4060	11	14	designed	design	VERB
fsr-4060	11	15	to	to	PART
fsr-4060	11	16	ensure	ensure	VERB
fsr-4060	11	17	equal	equal	ADJ
fsr-4060	11	18	access	access	NOUN
fsr-4060	11	19	to	to	ADP
fsr-4060	11	20	post	post	ADJ
fsr-4060	11	21	-	-	ADJ
fsr-4060	11	22	secondary	secondary	ADJ
fsr-4060	11	23	educational	educational	ADJ
fsr-4060	11	24	opportunities	opportunity	NOUN
fsr-4060	11	25	.	.	PUNCT
fsr-4060	12	1	while	while	SCONJ
fsr-4060	12	2	equal	equal	ADJ
fsr-4060	12	3	access	access	NOUN
fsr-4060	12	4	is	be	AUX
fsr-4060	12	5	the	the	DET
fsr-4060	12	6	intended	intended	ADJ
fsr-4060	12	7	effect	effect	NOUN
fsr-4060	12	8	of	of	ADP
fsr-4060	12	9	financial	financial	ADJ
fsr-4060	12	10	aid	aid	NOUN
fsr-4060	12	11	,	,	PUNCT
fsr-4060	12	12	students	student	NOUN
fsr-4060	12	13	have	have	VERB
fsr-4060	12	14	diverse	diverse	ADJ
fsr-4060	12	15	economic	economic	ADJ
fsr-4060	12	16	backgrounds	background	NOUN
fsr-4060	12	17	and	and	CCONJ
fsr-4060	12	18	circumstances	circumstance	NOUN
fsr-4060	12	19	which	which	PRON
fsr-4060	12	20	may	may	AUX
fsr-4060	12	21	result	result	VERB
fsr-4060	12	22	in	in	ADP
fsr-4060	12	23	high	high	ADJ
fsr-4060	12	24	student	student	NOUN
fsr-4060	12	25	debt	debt	NOUN
fsr-4060	12	26	that	that	PRON
fsr-4060	12	27	can	can	AUX
fsr-4060	12	28	significantly	significantly	ADV
fsr-4060	12	29	impact	impact	VERB
fsr-4060	12	30	long	long	ADJ
fsr-4060	12	31	-	-	PUNCT
fsr-4060	12	32	term	term	NOUN
fsr-4060	12	33	1	1	NUM
fsr-4060	12	34	corresponding	correspond	VERB
fsr-4060	12	35	author	author	NOUN
fsr-4060	12	36	(	(	PUNCT
fsr-4060	12	37	stuart.j.heckman@ttu.edu	stuart.j.heckman@ttu.edu	PROPN
fsr-4060	12	38	)	)	PUNCT
fsr-4060	12	39	.	.	PUNCT
fsr-4060	13	1	texas	texas	PROPN
fsr-4060	13	2	tech	tech	PROPN
fsr-4060	13	3	university	university	PROPN
fsr-4060	13	4	,	,	PUNCT
fsr-4060	13	5	lubbock	lubbock	PROPN
fsr-4060	13	6	,	,	PUNCT
fsr-4060	13	7	texas	texas	PROPN
fsr-4060	13	8	,	,	PUNCT
fsr-4060	13	9	usa	usa	PROPN
fsr-4060	13	10	.	.	PROPN
fsr-4060	13	11	2	2	NUM
fsr-4060	13	12	california	california	PROPN
fsr-4060	13	13	state	state	PROPN
fsr-4060	13	14	university	university	PROPN
fsr-4060	13	15	-	-	PUNCT
fsr-4060	13	16	northridge	northridge	PROPN
fsr-4060	13	17	,	,	PUNCT
fsr-4060	13	18	los	los	PROPN
fsr-4060	13	19	angeles	angeles	PROPN
fsr-4060	13	20	,	,	PUNCT
fsr-4060	13	21	california	california	PROPN
fsr-4060	13	22	,	,	PUNCT
fsr-4060	13	23	usa	usa	PROPN
fsr-4060	13	24	.	.	PROPN
fsr-4060	13	25	3	3	NUM
fsr-4060	13	26	california	california	PROPN
fsr-4060	13	27	state	state	PROPN
fsr-4060	13	28	university	university	PROPN
fsr-4060	13	29	-	-	PUNCT
fsr-4060	13	30	fullerton	fullerton	PROPN
fsr-4060	13	31	,	,	PUNCT
fsr-4060	13	32	fullerton	fullerton	PROPN
fsr-4060	13	33	,	,	PUNCT
fsr-4060	13	34	california	california	PROPN
fsr-4060	13	35	,	,	PUNCT
fsr-4060	13	36	usa	usa	PROPN
fsr-4060	13	37	.	.	PROPN
fsr-4060	13	38	financial	financial	ADJ
fsr-4060	13	39	planning	planning	NOUN
fsr-4060	13	40	goals	goal	NOUN
fsr-4060	13	41	for	for	ADP
fsr-4060	13	42	individuals	individual	NOUN
fsr-4060	13	43	and	and	CCONJ
fsr-4060	13	44	families	family	NOUN
fsr-4060	13	45	.	.	PUNCT
fsr-4060	14	1	federal	federal	ADJ
fsr-4060	14	2	financial	financial	ADJ
fsr-4060	14	3	aid	aid	NOUN
fsr-4060	14	4	policy	policy	NOUN
fsr-4060	14	5	subsidizes	subsidize	VERB
fsr-4060	14	6	higher	high	ADJ
fsr-4060	14	7	education	education	NOUN
fsr-4060	14	8	approximately	approximately	ADV
fsr-4060	14	9	$	$	SYM
fsr-4060	14	10	125	125	NUM
fsr-4060	14	11	billion	billion	NUM
fsr-4060	14	12	per	per	ADP
fsr-4060	14	13	year	year	NOUN
fsr-4060	14	14	through	through	ADP
fsr-4060	14	15	grants	grant	NOUN
fsr-4060	14	16	,	,	PUNCT
fsr-4060	14	17	loans	loan	NOUN
fsr-4060	14	18	,	,	PUNCT
fsr-4060	14	19	and	and	CCONJ
fsr-4060	14	20	work	work	NOUN
fsr-4060	14	21	-	-	PUNCT
fsr-4060	14	22	study	study	NOUN
fsr-4060	14	23	(	(	PUNCT
fsr-4060	14	24	federal	federal	ADJ
fsr-4060	14	25	student	student	NOUN
fsr-4060	14	26	aid	aid	NOUN
fsr-4060	14	27	,	,	PUNCT
fsr-4060	14	28	2021	2021	NUM
fsr-4060	14	29	)	)	PUNCT
fsr-4060	14	30	.	.	PUNCT
fsr-4060	15	1	this	this	DET
fsr-4060	15	2	figure	figure	NOUN
fsr-4060	15	3	does	do	AUX
fsr-4060	15	4	not	not	PART
fsr-4060	15	5	include	include	VERB
fsr-4060	15	6	other	other	ADJ
fsr-4060	15	7	public	public	ADJ
fsr-4060	15	8	subsidies	subsidy	NOUN
fsr-4060	15	9	through	through	ADP
fsr-4060	15	10	tax	tax	NOUN
fsr-4060	15	11	credits	credit	NOUN
fsr-4060	15	12	(	(	PUNCT
fsr-4060	15	13	i.e.	i.e.	X
fsr-4060	15	14	,	,	PUNCT
fsr-4060	15	15	the	the	DET
fsr-4060	15	16	american	american	ADJ
fsr-4060	15	17	opportunity	opportunity	NOUN
fsr-4060	15	18	tax	tax	NOUN
fsr-4060	15	19	credit	credit	NOUN
fsr-4060	15	20	and	and	CCONJ
fsr-4060	15	21	the	the	DET
fsr-4060	15	22	lifetime	lifetime	NOUN
fsr-4060	15	23	learning	learn	VERB
fsr-4060	15	24	credit	credit	NOUN
fsr-4060	15	25	)	)	PUNCT
fsr-4060	15	26	,	,	PUNCT
fsr-4060	15	27	a	a	DET
fsr-4060	15	28	deduction	deduction	NOUN
fsr-4060	15	29	for	for	ADP
fsr-4060	15	30	student	student	NOUN
fsr-4060	15	31	loan	loan	NOUN
fsr-4060	15	32	interest	interest	NOUN
fsr-4060	15	33	,	,	PUNCT
fsr-4060	15	34	and	and	CCONJ
fsr-4060	15	35	tax	tax	NOUN
fsr-4060	15	36	advantaged	advantaged	ADJ
fsr-4060	15	37	investment	investment	NOUN
fsr-4060	15	38	accounts	account	NOUN
fsr-4060	15	39	(	(	PUNCT
fsr-4060	15	40	e.g.	e.g.	ADV
fsr-4060	15	41	,	,	PUNCT
fsr-4060	15	42	529	529	NUM
fsr-4060	15	43	plans	plan	NOUN
fsr-4060	15	44	)	)	PUNCT
fsr-4060	15	45	.	.	PUNCT
fsr-4060	16	1	the	the	DET
fsr-4060	16	2	justification	justification	NOUN
fsr-4060	16	3	for	for	ADP
fsr-4060	16	4	this	this	DET
fsr-4060	16	5	substantial	substantial	ADJ
fsr-4060	16	6	public	public	ADJ
fsr-4060	16	7	investment	investment	NOUN
fsr-4060	16	8	is	be	AUX
fsr-4060	16	9	typically	typically	ADV
fsr-4060	16	10	grounded	ground	VERB
fsr-4060	16	11	in	in	ADP
fsr-4060	16	12	human	human	ADJ
fsr-4060	16	13	capital	capital	NOUN
fsr-4060	16	14	theory	theory	NOUN
fsr-4060	16	15	because	because	SCONJ
fsr-4060	16	16	society	society	NOUN
fsr-4060	16	17	benefits	benefit	VERB
fsr-4060	16	18	from	from	ADP
fsr-4060	16	19	having	have	VERB
fsr-4060	16	20	a	a	DET
fsr-4060	16	21	more	more	ADJ
fsr-4060	16	22	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4060	16	23	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4060	16	24	heckman	heckman	PROPN
fsr-4060	16	25	et	et	PROPN
fsr-4060	16	26	al	al	PROPN
fsr-4060	16	27	.	.	PROPN
fsr-4060	16	28	75	75	NUM
fsr-4060	16	29	productive	productive	ADJ
fsr-4060	16	30	workforce	workforce	NOUN
fsr-4060	16	31	.	.	PUNCT
fsr-4060	17	1	however	however	ADV
fsr-4060	17	2	,	,	PUNCT
fsr-4060	17	3	the	the	DET
fsr-4060	17	4	implications	implication	NOUN
fsr-4060	17	5	of	of	ADP
fsr-4060	17	6	student	student	NOUN
fsr-4060	17	7	borrowing	borrowing	NOUN
fsr-4060	17	8	extend	extend	NOUN
fsr-4060	17	9	beyond	beyond	ADP
fsr-4060	17	10	individual	individual	ADJ
fsr-4060	17	11	students	student	NOUN
fsr-4060	17	12	to	to	ADP
fsr-4060	17	13	the	the	DET
fsr-4060	17	14	broader	broad	ADJ
fsr-4060	17	15	economy	economy	NOUN
fsr-4060	17	16	,	,	PUNCT
fsr-4060	17	17	affecting	affect	VERB
fsr-4060	17	18	everything	everything	PRON
fsr-4060	17	19	from	from	ADP
fsr-4060	17	20	risk	risk	NOUN
fsr-4060	17	21	assessment	assessment	NOUN
fsr-4060	17	22	in	in	ADP
fsr-4060	17	23	lending	lending	NOUN
fsr-4060	17	24	practices	practice	NOUN
fsr-4060	17	25	to	to	ADP
fsr-4060	17	26	the	the	DET
fsr-4060	17	27	development	development	NOUN
fsr-4060	17	28	of	of	ADP
fsr-4060	17	29	financial	financial	ADJ
fsr-4060	17	30	products	product	NOUN
fsr-4060	17	31	tailored	tailor	VERB
fsr-4060	17	32	to	to	PART
fsr-4060	17	33	manage	manage	VERB
fsr-4060	17	34	educational	educational	ADJ
fsr-4060	17	35	debt	debt	NOUN
fsr-4060	17	36	.	.	PUNCT
fsr-4060	18	1	understanding	understand	VERB
fsr-4060	18	2	students	student	NOUN
fsr-4060	18	3	'	'	PART
fsr-4060	18	4	willingness	willingness	NOUN
fsr-4060	18	5	to	to	PART
fsr-4060	18	6	borrow	borrow	VERB
fsr-4060	18	7	is	be	AUX
fsr-4060	18	8	crucial	crucial	ADJ
fsr-4060	18	9	for	for	ADP
fsr-4060	18	10	financial	financial	ADJ
fsr-4060	18	11	planners	planner	NOUN
fsr-4060	18	12	and	and	CCONJ
fsr-4060	18	13	advisors	advisor	NOUN
fsr-4060	18	14	who	who	PRON
fsr-4060	18	15	must	must	AUX
fsr-4060	18	16	help	help	VERB
fsr-4060	18	17	clients	client	NOUN
fsr-4060	18	18	navigate	navigate	VERB
fsr-4060	18	19	the	the	DET
fsr-4060	18	20	complex	complex	ADJ
fsr-4060	18	21	interplay	interplay	NOUN
fsr-4060	18	22	between	between	ADP
fsr-4060	18	23	education	education	NOUN
fsr-4060	18	24	financing	financing	NOUN
fsr-4060	18	25	and	and	CCONJ
fsr-4060	18	26	long	long	ADJ
fsr-4060	18	27	-	-	PUNCT
fsr-4060	18	28	term	term	NOUN
fsr-4060	18	29	financial	financial	ADJ
fsr-4060	18	30	goals	goal	NOUN
fsr-4060	18	31	,	,	PUNCT
fsr-4060	18	32	ultimately	ultimately	ADV
fsr-4060	18	33	influencing	influence	VERB
fsr-4060	18	34	wealth	wealth	NOUN
fsr-4060	18	35	accumulation	accumulation	NOUN
fsr-4060	18	36	and	and	CCONJ
fsr-4060	18	37	economic	economic	ADJ
fsr-4060	18	38	stability	stability	NOUN
fsr-4060	18	39	for	for	ADP
fsr-4060	18	40	both	both	DET
fsr-4060	18	41	individuals	individual	NOUN
fsr-4060	18	42	,	,	PUNCT
fsr-4060	18	43	families	family	NOUN
fsr-4060	18	44	,	,	PUNCT
fsr-4060	18	45	and	and	CCONJ
fsr-4060	18	46	the	the	DET
fsr-4060	18	47	economy	economy	NOUN
fsr-4060	18	48	as	as	ADP
fsr-4060	18	49	a	a	DET
fsr-4060	18	50	whole	whole	NOUN
fsr-4060	18	51	.	.	PUNCT
fsr-4060	19	1	while	while	SCONJ
fsr-4060	19	2	the	the	DET
fsr-4060	19	3	rationale	rationale	NOUN
fsr-4060	19	4	for	for	ADP
fsr-4060	19	5	the	the	DET
fsr-4060	19	6	public	public	ADJ
fsr-4060	19	7	subsidy	subsidy	NOUN
fsr-4060	19	8	of	of	ADP
fsr-4060	19	9	higher	high	ADJ
fsr-4060	19	10	education	education	NOUN
fsr-4060	19	11	is	be	AUX
fsr-4060	19	12	clear	clear	ADJ
fsr-4060	19	13	from	from	ADP
fsr-4060	19	14	the	the	DET
fsr-4060	19	15	perspective	perspective	NOUN
fsr-4060	19	16	of	of	ADP
fsr-4060	19	17	policymakers	policymaker	NOUN
fsr-4060	19	18	,	,	PUNCT
fsr-4060	19	19	the	the	DET
fsr-4060	19	20	rationale	rationale	NOUN
fsr-4060	19	21	for	for	ADP
fsr-4060	19	22	investing	invest	VERB
fsr-4060	19	23	(	(	PUNCT
fsr-4060	19	24	both	both	CCONJ
fsr-4060	19	25	money	money	NOUN
fsr-4060	19	26	and	and	CCONJ
fsr-4060	19	27	time	time	NOUN
fsr-4060	19	28	)	)	PUNCT
fsr-4060	19	29	in	in	ADP
fsr-4060	19	30	their	their	PRON
fsr-4060	19	31	own	own	ADJ
fsr-4060	19	32	college	college	NOUN
fsr-4060	19	33	education	education	NOUN
fsr-4060	19	34	is	be	AUX
fsr-4060	19	35	less	less	ADV
fsr-4060	19	36	understood	understand	VERB
fsr-4060	19	37	from	from	ADP
fsr-4060	19	38	the	the	DET
fsr-4060	19	39	student	student	NOUN
fsr-4060	19	40	perspective	perspective	NOUN
fsr-4060	19	41	.	.	PUNCT
fsr-4060	20	1	although	although	SCONJ
fsr-4060	20	2	there	there	PRON
fsr-4060	20	3	is	be	VERB
fsr-4060	20	4	a	a	DET
fsr-4060	20	5	rich	rich	ADJ
fsr-4060	20	6	literature	literature	NOUN
fsr-4060	20	7	regarding	regard	VERB
fsr-4060	20	8	the	the	DET
fsr-4060	20	9	pecuniary	pecuniary	ADJ
fsr-4060	20	10	returns	return	NOUN
fsr-4060	20	11	and	and	CCONJ
fsr-4060	20	12	nonpecuniary	nonpecuniary	ADJ
fsr-4060	20	13	benefits	benefit	NOUN
fsr-4060	20	14	(	(	PUNCT
fsr-4060	20	15	ma	ma	PROPN
fsr-4060	20	16	&	&	CCONJ
fsr-4060	20	17	pender	pender	PROPN
fsr-4060	20	18	,	,	PUNCT
fsr-4060	20	19	2023	2023	NUM
fsr-4060	20	20	;	;	PUNCT
fsr-4060	20	21	oreopoulos	oreopoulos	PROPN
fsr-4060	20	22	&	&	CCONJ
fsr-4060	20	23	salvanes	salvane	NOUN
fsr-4060	20	24	,	,	PUNCT
fsr-4060	20	25	2011	2011	NUM
fsr-4060	20	26	)	)	PUNCT
fsr-4060	20	27	of	of	ADP
fsr-4060	20	28	attending	attend	VERB
fsr-4060	20	29	post	post	ADJ
fsr-4060	20	30	-	-	ADJ
fsr-4060	20	31	secondary	secondary	ADJ
fsr-4060	20	32	education	education	NOUN
fsr-4060	20	33	,	,	PUNCT
fsr-4060	20	34	there	there	PRON
fsr-4060	20	35	remains	remain	VERB
fsr-4060	20	36	a	a	DET
fsr-4060	20	37	deficient	deficient	ADJ
fsr-4060	20	38	understanding	understanding	NOUN
fsr-4060	20	39	of	of	ADP
fsr-4060	20	40	student	student	NOUN
fsr-4060	20	41	valuations	valuation	NOUN
fsr-4060	20	42	of	of	ADP
fsr-4060	20	43	higher	high	ADJ
fsr-4060	20	44	education	education	NOUN
fsr-4060	20	45	.	.	PUNCT
fsr-4060	21	1	borrowing	borrow	VERB
fsr-4060	21	2	for	for	ADP
fsr-4060	21	3	college	college	NOUN
fsr-4060	21	4	is	be	AUX
fsr-4060	21	5	different	different	ADJ
fsr-4060	21	6	from	from	ADP
fsr-4060	21	7	other	other	ADJ
fsr-4060	21	8	consumer	consumer	NOUN
fsr-4060	21	9	loans	loan	NOUN
fsr-4060	21	10	in	in	ADP
fsr-4060	21	11	that	that	PRON
fsr-4060	21	12	while	while	SCONJ
fsr-4060	21	13	individuals	individual	NOUN
fsr-4060	21	14	immediately	immediately	ADV
fsr-4060	21	15	consume	consume	VERB
fsr-4060	21	16	the	the	DET
fsr-4060	21	17	goods	good	NOUN
fsr-4060	21	18	purchased	purchase	VERB
fsr-4060	21	19	with	with	ADP
fsr-4060	21	20	consumer	consumer	NOUN
fsr-4060	21	21	loans	loan	NOUN
fsr-4060	21	22	such	such	ADJ
fsr-4060	21	23	as	as	ADP
fsr-4060	21	24	credit	credit	NOUN
fsr-4060	21	25	card	card	NOUN
fsr-4060	21	26	debt	debt	NOUN
fsr-4060	21	27	,	,	PUNCT
fsr-4060	21	28	borrowing	borrow	VERB
fsr-4060	21	29	for	for	ADP
fsr-4060	21	30	college	college	NOUN
fsr-4060	21	31	is	be	AUX
fsr-4060	21	32	usually	usually	ADV
fsr-4060	21	33	used	use	VERB
fsr-4060	21	34	for	for	ADP
fsr-4060	21	35	future	future	ADJ
fsr-4060	21	36	production	production	NOUN
fsr-4060	21	37	over	over	ADP
fsr-4060	21	38	the	the	DET
fsr-4060	21	39	long	long	ADJ
fsr-4060	21	40	-	-	PUNCT
fsr-4060	21	41	term	term	NOUN
fsr-4060	21	42	(	(	PUNCT
fsr-4060	21	43	li	li	PROPN
fsr-4060	21	44	,	,	PUNCT
fsr-4060	21	45	2013	2013	NUM
fsr-4060	21	46	)	)	PUNCT
fsr-4060	21	47	.	.	PUNCT
fsr-4060	22	1	furthermore	furthermore	ADV
fsr-4060	22	2	,	,	PUNCT
fsr-4060	22	3	some	some	PRON
fsr-4060	22	4	have	have	AUX
fsr-4060	22	5	argued	argue	VERB
fsr-4060	22	6	that	that	SCONJ
fsr-4060	22	7	the	the	DET
fsr-4060	22	8	consumption	consumption	NOUN
fsr-4060	22	9	value	value	NOUN
fsr-4060	22	10	of	of	ADP
fsr-4060	22	11	higher	high	ADJ
fsr-4060	22	12	education	education	NOUN
fsr-4060	22	13	could	could	AUX
fsr-4060	22	14	be	be	AUX
fsr-4060	22	15	quite	quite	ADV
fsr-4060	22	16	substantial	substantial	ADJ
fsr-4060	22	17	,	,	PUNCT
fsr-4060	22	18	i.e.	i.e.	X
fsr-4060	22	19	,	,	PUNCT
fsr-4060	22	20	students	student	NOUN
fsr-4060	22	21	may	may	AUX
fsr-4060	22	22	be	be	AUX
fsr-4060	22	23	willing	willing	ADJ
fsr-4060	22	24	to	to	PART
fsr-4060	22	25	pay	pay	VERB
fsr-4060	22	26	a	a	DET
fsr-4060	22	27	high	high	ADJ
fsr-4060	22	28	price	price	NOUN
fsr-4060	22	29	to	to	PART
fsr-4060	22	30	simply	simply	ADV
fsr-4060	22	31	have	have	VERB
fsr-4060	22	32	the	the	DET
fsr-4060	22	33	college	college	NOUN
fsr-4060	22	34	experience	experience	NOUN
fsr-4060	22	35	without	without	ADP
fsr-4060	22	36	regard	regard	NOUN
fsr-4060	22	37	to	to	ADP
fsr-4060	22	38	the	the	DET
fsr-4060	22	39	financial	financial	ADJ
fsr-4060	22	40	payoff	payoff	NOUN
fsr-4060	22	41	(	(	PUNCT
fsr-4060	22	42	alstadsæter	alstadsæter	ADV
fsr-4060	22	43	,	,	PUNCT
fsr-4060	22	44	2010	2010	NUM
fsr-4060	22	45	;	;	PUNCT
fsr-4060	22	46	jacob	jacob	PROPN
fsr-4060	22	47	et	et	PROPN
fsr-4060	22	48	al	al	PROPN
fsr-4060	22	49	.	.	PROPN
fsr-4060	22	50	,	,	PUNCT
fsr-4060	22	51	2013	2013	NUM
fsr-4060	22	52	)	)	PUNCT
fsr-4060	22	53	,	,	PUNCT
fsr-4060	22	54	and	and	CCONJ
fsr-4060	22	55	it	it	PRON
fsr-4060	22	56	makes	make	VERB
fsr-4060	22	57	the	the	DET
fsr-4060	22	58	decision	decision	NOUN
fsr-4060	22	59	to	to	PART
fsr-4060	22	60	borrow	borrow	VERB
fsr-4060	22	61	for	for	ADP
fsr-4060	22	62	college	college	NOUN
fsr-4060	22	63	education	education	NOUN
fsr-4060	22	64	more	more	ADV
fsr-4060	22	65	complicated	complicated	ADJ
fsr-4060	22	66	.	.	PUNCT
fsr-4060	23	1	the	the	DET
fsr-4060	23	2	literature	literature	NOUN
fsr-4060	23	3	gives	give	VERB
fsr-4060	23	4	little	little	ADJ
fsr-4060	23	5	guidance	guidance	NOUN
fsr-4060	23	6	regarding	regard	VERB
fsr-4060	23	7	the	the	DET
fsr-4060	23	8	relative	relative	ADJ
fsr-4060	23	9	importance	importance	NOUN
fsr-4060	23	10	of	of	ADP
fsr-4060	23	11	these	these	DET
fsr-4060	23	12	considerations	consideration	NOUN
fsr-4060	23	13	as	as	SCONJ
fsr-4060	23	14	students	student	NOUN
fsr-4060	23	15	make	make	VERB
fsr-4060	23	16	borrowing	borrowing	NOUN
fsr-4060	23	17	decisions	decision	NOUN
fsr-4060	23	18	.	.	PUNCT
fsr-4060	24	1	from	from	ADP
fsr-4060	24	2	an	an	DET
fsr-4060	24	3	economic	economic	ADJ
fsr-4060	24	4	standpoint	standpoint	NOUN
fsr-4060	24	5	,	,	PUNCT
fsr-4060	24	6	some	some	PRON
fsr-4060	24	7	have	have	AUX
fsr-4060	24	8	suggested	suggest	VERB
fsr-4060	24	9	that	that	SCONJ
fsr-4060	24	10	declining	decline	VERB
fsr-4060	24	11	to	to	PART
fsr-4060	24	12	use	use	VERB
fsr-4060	24	13	loans	loan	NOUN
fsr-4060	24	14	to	to	PART
fsr-4060	24	15	invest	invest	VERB
fsr-4060	24	16	in	in	ADP
fsr-4060	24	17	human	human	ADJ
fsr-4060	24	18	capital	capital	NOUN
fsr-4060	24	19	is	be	AUX
fsr-4060	24	20	an	an	DET
fsr-4060	24	21	irrational	irrational	ADJ
fsr-4060	24	22	decision	decision	NOUN
fsr-4060	24	23	(	(	PUNCT
fsr-4060	24	24	cadena	cadena	NOUN
fsr-4060	24	25	&	&	CCONJ
fsr-4060	24	26	keys	key	NOUN
fsr-4060	24	27	,	,	PUNCT
fsr-4060	24	28	2013	2013	NUM
fsr-4060	24	29	)	)	PUNCT
fsr-4060	24	30	.	.	PUNCT
fsr-4060	25	1	on	on	ADP
fsr-4060	25	2	the	the	DET
fsr-4060	25	3	other	other	ADJ
fsr-4060	25	4	hand	hand	NOUN
fsr-4060	25	5	,	,	PUNCT
fsr-4060	25	6	it	it	PRON
fsr-4060	25	7	may	may	AUX
fsr-4060	25	8	be	be	AUX
fsr-4060	25	9	rational	rational	ADJ
fsr-4060	25	10	for	for	SCONJ
fsr-4060	25	11	students	student	NOUN
fsr-4060	25	12	to	to	PART
fsr-4060	25	13	decide	decide	VERB
fsr-4060	25	14	not	not	PART
fsr-4060	25	15	to	to	PART
fsr-4060	25	16	borrow	borrow	VERB
fsr-4060	25	17	if	if	SCONJ
fsr-4060	25	18	they	they	PRON
fsr-4060	25	19	do	do	VERB
fsr-4060	25	20	the	the	DET
fsr-4060	25	21	calculations	calculation	NOUN
fsr-4060	25	22	and	and	CCONJ
fsr-4060	25	23	determine	determine	VERB
fsr-4060	25	24	their	their	PRON
fsr-4060	25	25	choice	choice	NOUN
fsr-4060	25	26	of	of	ADP
fsr-4060	25	27	major	major	ADJ
fsr-4060	25	28	and	and	CCONJ
fsr-4060	25	29	labor	labor	NOUN
fsr-4060	25	30	market	market	NOUN
fsr-4060	25	31	prospects	prospect	NOUN
fsr-4060	25	32	will	will	AUX
fsr-4060	25	33	make	make	VERB
fsr-4060	25	34	repaying	repay	VERB
fsr-4060	25	35	their	their	PRON
fsr-4060	25	36	loans	loan	NOUN
fsr-4060	25	37	difficult	difficult	ADJ
fsr-4060	25	38	(	(	PUNCT
fsr-4060	25	39	boatman	boatman	NOUN
fsr-4060	25	40	et	et	PROPN
fsr-4060	25	41	al	al	PROPN
fsr-4060	25	42	.	.	PROPN
fsr-4060	25	43	,	,	PUNCT
fsr-4060	25	44	2017	2017	NUM
fsr-4060	25	45	)	)	PUNCT
fsr-4060	25	46	.	.	PUNCT
fsr-4060	26	1	regardless	regardless	ADV
fsr-4060	26	2	of	of	ADP
fsr-4060	26	3	the	the	DET
fsr-4060	26	4	question	question	NOUN
fsr-4060	26	5	of	of	ADP
fsr-4060	26	6	whether	whether	SCONJ
fsr-4060	26	7	borrowing	borrowing	NOUN
fsr-4060	26	8	is	be	AUX
fsr-4060	26	9	rational	rational	ADJ
fsr-4060	26	10	,	,	PUNCT
fsr-4060	26	11	there	there	PRON
fsr-4060	26	12	is	be	VERB
fsr-4060	26	13	evidence	evidence	NOUN
fsr-4060	26	14	that	that	SCONJ
fsr-4060	26	15	student	student	NOUN
fsr-4060	26	16	wellness	wellness	NOUN
fsr-4060	26	17	may	may	AUX
fsr-4060	26	18	be	be	AUX
fsr-4060	26	19	suffering	suffer	VERB
fsr-4060	26	20	due	due	ADJ
fsr-4060	26	21	to	to	ADP
fsr-4060	26	22	higher	high	ADJ
fsr-4060	26	23	education	education	NOUN
fsr-4060	26	24	financing	financing	NOUN
fsr-4060	26	25	decisions	decision	NOUN
fsr-4060	26	26	.	.	PUNCT
fsr-4060	27	1	heckman	heckman	PROPN
fsr-4060	27	2	et	et	PROPN
fsr-4060	27	3	al	al	PROPN
fsr-4060	27	4	.	.	PROPN
fsr-4060	28	1	(	(	PUNCT
fsr-4060	28	2	2014	2014	NUM
fsr-4060	28	3	)	)	PUNCT
fsr-4060	28	4	found	find	VERB
fsr-4060	28	5	that	that	SCONJ
fsr-4060	28	6	71	71	NUM
fsr-4060	28	7	%	%	NOUN
fsr-4060	28	8	of	of	ADP
fsr-4060	28	9	college	college	NOUN
fsr-4060	28	10	students	student	NOUN
fsr-4060	28	11	report	report	VERB
fsr-4060	28	12	feeling	feel	VERB
fsr-4060	28	13	financially	financially	ADV
fsr-4060	28	14	stressed	stress	VERB
fsr-4060	28	15	and	and	CCONJ
fsr-4060	28	16	that	that	SCONJ
fsr-4060	28	17	expecting	expect	VERB
fsr-4060	28	18	to	to	PART
fsr-4060	28	19	have	have	VERB
fsr-4060	28	20	debt	debt	NOUN
fsr-4060	28	21	at	at	ADP
fsr-4060	28	22	graduation	graduation	NOUN
fsr-4060	28	23	was	be	AUX
fsr-4060	28	24	associated	associate	VERB
fsr-4060	28	25	with	with	ADP
fsr-4060	28	26	higher	high	ADJ
fsr-4060	28	27	likelihoods	likelihood	NOUN
fsr-4060	28	28	of	of	ADP
fsr-4060	28	29	financial	financial	ADJ
fsr-4060	28	30	stress	stress	NOUN
fsr-4060	28	31	.	.	PUNCT
fsr-4060	29	1	perhaps	perhaps	ADV
fsr-4060	29	2	this	this	DET
fsr-4060	29	3	stress	stress	NOUN
fsr-4060	29	4	is	be	AUX
fsr-4060	29	5	valid	valid	ADJ
fsr-4060	29	6	given	give	VERB
fsr-4060	29	7	that	that	SCONJ
fsr-4060	29	8	many	many	ADJ
fsr-4060	29	9	students	student	NOUN
fsr-4060	29	10	struggle	struggle	VERB
fsr-4060	29	11	with	with	ADP
fsr-4060	29	12	repayment	repayment	NOUN
fsr-4060	29	13	(	(	PUNCT
fsr-4060	29	14	avery	avery	PROPN
fsr-4060	29	15	&	&	CCONJ
fsr-4060	29	16	turner	turner	PROPN
fsr-4060	29	17	,	,	PUNCT
fsr-4060	29	18	2012	2012	NUM
fsr-4060	29	19	)	)	PUNCT
fsr-4060	29	20	and	and	CCONJ
fsr-4060	29	21	more	more	ADJ
fsr-4060	29	22	than	than	ADP
fsr-4060	29	23	a	a	DET
fsr-4060	29	24	million	million	NUM
fsr-4060	29	25	students	student	NOUN
fsr-4060	29	26	defaulted	default	VERB
fsr-4060	29	27	for	for	ADP
fsr-4060	29	28	the	the	DET
fsr-4060	29	29	first	first	ADJ
fsr-4060	29	30	time	time	NOUN
fsr-4060	29	31	in	in	ADP
fsr-4060	29	32	2016	2016	NUM
fsr-4060	29	33	(	(	PUNCT
fsr-4060	29	34	frotman	frotman	PROPN
fsr-4060	29	35	&	&	CCONJ
fsr-4060	29	36	williams	williams	PROPN
fsr-4060	29	37	,	,	PUNCT
fsr-4060	29	38	2017	2017	NUM
fsr-4060	29	39	)	)	PUNCT
fsr-4060	29	40	.	.	PUNCT
fsr-4060	30	1	the	the	DET
fsr-4060	30	2	number	number	NOUN
fsr-4060	30	3	of	of	ADP
fsr-4060	30	4	defaults	default	NOUN
fsr-4060	30	5	continued	continue	VERB
fsr-4060	30	6	to	to	PART
fsr-4060	30	7	climb	climb	VERB
fsr-4060	30	8	until	until	ADP
fsr-4060	30	9	2020	2020	NUM
fsr-4060	30	10	(	(	PUNCT
fsr-4060	30	11	u.s	u.s	PROPN
fsr-4060	30	12	.	.	PROPN
fsr-4060	30	13	department	department	PROPN
fsr-4060	30	14	of	of	ADP
fsr-4060	30	15	education	education	NOUN
fsr-4060	30	16	,	,	PUNCT
fsr-4060	30	17	2020	2020	NUM
fsr-4060	30	18	)	)	PUNCT
fsr-4060	30	19	when	when	SCONJ
fsr-4060	30	20	the	the	DET
fsr-4060	30	21	coronavirus	coronavirus	NOUN
fsr-4060	30	22	aid	aid	NOUN
fsr-4060	30	23	,	,	PUNCT
fsr-4060	30	24	relief	relief	NOUN
fsr-4060	30	25	,	,	PUNCT
fsr-4060	30	26	and	and	CCONJ
fsr-4060	30	27	economic	economic	ADJ
fsr-4060	30	28	security	security	NOUN
fsr-4060	30	29	act	act	NOUN
fsr-4060	30	30	(	(	PUNCT
fsr-4060	30	31	cares	cares	PROPN
fsr-4060	30	32	act	act	PROPN
fsr-4060	30	33	)	)	PUNCT
fsr-4060	30	34	halted	halt	VERB
fsr-4060	30	35	collection	collection	NOUN
fsr-4060	30	36	on	on	ADP
fsr-4060	30	37	defaulted	defaulted	ADJ
fsr-4060	30	38	loans	loan	NOUN
fsr-4060	30	39	,	,	PUNCT
fsr-4060	30	40	credited	credit	VERB
fsr-4060	30	41	payments	payment	NOUN
fsr-4060	30	42	towards	towards	ADP
fsr-4060	30	43	income	income	NOUN
fsr-4060	30	44	-	-	PUNCT
fsr-4060	30	45	driven	drive	VERB
fsr-4060	30	46	repayment	repayment	NOUN
fsr-4060	30	47	(	(	PUNCT
fsr-4060	30	48	idr	idr	PROPN
fsr-4060	30	49	)	)	PUNCT
fsr-4060	30	50	,	,	PUNCT
fsr-4060	30	51	and	and	CCONJ
fsr-4060	30	52	temporarily	temporarily	ADV
fsr-4060	30	53	blocked	block	VERB
fsr-4060	30	54	the	the	DET
fsr-4060	30	55	accrual	accrual	ADJ
fsr-4060	30	56	of	of	ADP
fsr-4060	30	57	interest	interest	NOUN
fsr-4060	30	58	for	for	ADP
fsr-4060	30	59	a	a	DET
fsr-4060	30	60	set	set	ADJ
fsr-4060	30	61	period	period	NOUN
fsr-4060	30	62	of	of	ADP
fsr-4060	30	63	time	time	NOUN
fsr-4060	30	64	(	(	PUNCT
fsr-4060	30	65	cares	cares	PROPN
fsr-4060	30	66	act	act	PROPN
fsr-4060	30	67	,	,	PUNCT
fsr-4060	30	68	2020	2020	NUM
fsr-4060	30	69	)	)	PUNCT
fsr-4060	30	70	.	.	PUNCT
fsr-4060	31	1	examining	examine	VERB
fsr-4060	31	2	students	student	NOUN
fsr-4060	31	3	'	'	PART
fsr-4060	31	4	willingness	willingness	NOUN
fsr-4060	31	5	to	to	PART
fsr-4060	31	6	borrow	borrow	VERB
fsr-4060	31	7	for	for	ADP
fsr-4060	31	8	higher	high	ADJ
fsr-4060	31	9	education	education	NOUN
fsr-4060	31	10	provides	provide	VERB
fsr-4060	31	11	crucial	crucial	ADJ
fsr-4060	31	12	insights	insight	NOUN
fsr-4060	31	13	that	that	PRON
fsr-4060	31	14	can	can	AUX
fsr-4060	31	15	inform	inform	VERB
fsr-4060	31	16	financial	financial	ADJ
fsr-4060	31	17	advisors	advisor	NOUN
fsr-4060	31	18	,	,	PUNCT
fsr-4060	31	19	institutions	institution	NOUN
fsr-4060	31	20	,	,	PUNCT
fsr-4060	31	21	and	and	CCONJ
fsr-4060	31	22	policymakers	policymaker	NOUN
fsr-4060	31	23	about	about	ADP
fsr-4060	31	24	the	the	DET
fsr-4060	31	25	borrowing	borrowing	NOUN
fsr-4060	31	26	behaviors	behavior	NOUN
fsr-4060	31	27	of	of	ADP
fsr-4060	31	28	a	a	DET
fsr-4060	31	29	key	key	ADJ
fsr-4060	31	30	demographic	demographic	NOUN
fsr-4060	31	31	.	.	PUNCT
fsr-4060	32	1	this	this	DET
fsr-4060	32	2	research	research	NOUN
fsr-4060	32	3	not	not	PART
fsr-4060	32	4	only	only	ADV
fsr-4060	32	5	reveals	reveal	VERB
fsr-4060	32	6	the	the	DET
fsr-4060	32	7	extent	extent	NOUN
fsr-4060	32	8	to	to	PART
fsr-4060	32	9	which	which	PRON
fsr-4060	32	10	borrowing	borrowing	NOUN
fsr-4060	32	11	decisions	decision	NOUN
fsr-4060	32	12	align	align	VERB
fsr-4060	32	13	with	with	ADP
fsr-4060	32	14	human	human	ADJ
fsr-4060	32	15	capital	capital	NOUN
fsr-4060	32	16	theory	theory	NOUN
fsr-4060	32	17	expectations	expectation	NOUN
fsr-4060	32	18	,	,	PUNCT
fsr-4060	32	19	but	but	CCONJ
fsr-4060	32	20	also	also	ADV
fsr-4060	32	21	contributes	contribute	VERB
fsr-4060	32	22	to	to	PART
fsr-4060	32	23	curriculum	curriculum	VERB
fsr-4060	32	24	development	development	NOUN
fsr-4060	32	25	in	in	ADP
fsr-4060	32	26	financial	financial	ADJ
fsr-4060	32	27	services	service	NOUN
fsr-4060	32	28	education	education	NOUN
fsr-4060	32	29	,	,	PUNCT
fsr-4060	32	30	ensuring	ensure	VERB
fsr-4060	32	31	future	future	ADJ
fsr-4060	32	32	professionals	professional	NOUN
fsr-4060	32	33	are	be	AUX
fsr-4060	32	34	equipped	equip	VERB
fsr-4060	32	35	to	to	PART
fsr-4060	32	36	address	address	VERB
fsr-4060	32	37	the	the	DET
fsr-4060	32	38	challenges	challenge	NOUN
fsr-4060	32	39	faced	face	VERB
fsr-4060	32	40	by	by	ADP
fsr-4060	32	41	students	student	NOUN
fsr-4060	32	42	in	in	ADP
fsr-4060	32	43	financing	finance	VERB
fsr-4060	32	44	their	their	PRON
fsr-4060	32	45	education	education	NOUN
fsr-4060	32	46	and	and	CCONJ
fsr-4060	32	47	repaying	repay	VERB
fsr-4060	32	48	their	their	PRON
fsr-4060	32	49	debt	debt	NOUN
fsr-4060	32	50	.	.	PUNCT
fsr-4060	33	1	the	the	DET
fsr-4060	33	2	findings	finding	NOUN
fsr-4060	33	3	offer	offer	VERB
fsr-4060	33	4	important	important	ADJ
fsr-4060	33	5	perspectives	perspective	NOUN
fsr-4060	33	6	on	on	ADP
fsr-4060	33	7	students	student	NOUN
fsr-4060	33	8	'	'	PART
fsr-4060	33	9	perceptions	perception	NOUN
fsr-4060	33	10	of	of	ADP
fsr-4060	33	11	the	the	DET
fsr-4060	33	12	value	value	NOUN
fsr-4060	33	13	of	of	ADP
fsr-4060	33	14	a	a	DET
fsr-4060	33	15	college	college	NOUN
fsr-4060	33	16	degree	degree	NOUN
fsr-4060	33	17	,	,	PUNCT
fsr-4060	33	18	including	include	VERB
fsr-4060	33	19	the	the	DET
fsr-4060	33	20	accuracy	accuracy	NOUN
fsr-4060	33	21	of	of	ADP
fsr-4060	33	22	information	information	NOUN
fsr-4060	33	23	on	on	ADP
fsr-4060	33	24	costs	cost	NOUN
fsr-4060	33	25	and	and	CCONJ
fsr-4060	33	26	returns	return	NOUN
fsr-4060	33	27	to	to	ADP
fsr-4060	33	28	education	education	NOUN
fsr-4060	33	29	.	.	PUNCT
fsr-4060	34	1	such	such	ADJ
fsr-4060	34	2	insights	insight	NOUN
fsr-4060	34	3	can	can	AUX
fsr-4060	34	4	inform	inform	VERB
fsr-4060	34	5	policies	policy	NOUN
fsr-4060	34	6	designed	design	VERB
fsr-4060	34	7	to	to	PART
fsr-4060	34	8	improve	improve	VERB
fsr-4060	34	9	access	access	NOUN
fsr-4060	34	10	to	to	ADP
fsr-4060	34	11	higher	high	ADJ
fsr-4060	34	12	education	education	NOUN
fsr-4060	34	13	among	among	ADP
fsr-4060	34	14	prospective	prospective	ADJ
fsr-4060	34	15	students	student	NOUN
fsr-4060	34	16	from	from	ADP
fsr-4060	34	17	diverse	diverse	ADJ
fsr-4060	34	18	socioeconomic	socioeconomic	ADJ
fsr-4060	34	19	backgrounds	background	NOUN
fsr-4060	34	20	and	and	CCONJ
fsr-4060	34	21	support	support	VERB
fsr-4060	34	22	the	the	DET
fsr-4060	34	23	retention	retention	NOUN
fsr-4060	34	24	of	of	ADP
fsr-4060	34	25	current	current	ADJ
fsr-4060	34	26	students	student	NOUN
fsr-4060	34	27	in	in	ADP
fsr-4060	34	28	an	an	DET
fsr-4060	34	29	uncertain	uncertain	ADJ
fsr-4060	34	30	economy	economy	NOUN
fsr-4060	34	31	.	.	PUNCT
fsr-4060	35	1	further	far	ADV
fsr-4060	35	2	,	,	PUNCT
fsr-4060	35	3	findings	finding	NOUN
fsr-4060	35	4	from	from	ADP
fsr-4060	35	5	this	this	DET
fsr-4060	35	6	study	study	NOUN
fsr-4060	35	7	can	can	AUX
fsr-4060	35	8	be	be	AUX
fsr-4060	35	9	useful	useful	ADJ
fsr-4060	35	10	in	in	ADP
fsr-4060	35	11	preventing	prevent	VERB
fsr-4060	35	12	student	student	NOUN
fsr-4060	35	13	loan	loan	NOUN
fsr-4060	35	14	defaults	default	NOUN
fsr-4060	35	15	,	,	PUNCT
fsr-4060	35	16	which	which	PRON
fsr-4060	35	17	is	be	AUX
fsr-4060	35	18	an	an	DET
fsr-4060	35	19	important	important	ADJ
fsr-4060	35	20	concern	concern	NOUN
fsr-4060	35	21	among	among	ADP
fsr-4060	35	22	policymakers	policymaker	NOUN
fsr-4060	35	23	and	and	CCONJ
fsr-4060	35	24	higher	high	ADJ
fsr-4060	35	25	education	education	NOUN
fsr-4060	35	26	administrators	administrator	NOUN
fsr-4060	35	27	.	.	PUNCT
fsr-4060	36	1	in	in	ADP
fsr-4060	36	2	a	a	DET
fsr-4060	36	3	study	study	NOUN
fsr-4060	36	4	of	of	ADP
fsr-4060	36	5	ohio	ohio	PROPN
fsr-4060	36	6	colleges	college	NOUN
fsr-4060	36	7	,	,	PUNCT
fsr-4060	36	8	approximately	approximately	ADV
fsr-4060	36	9	25	25	NUM
fsr-4060	36	10	%	%	NOUN
fsr-4060	36	11	of	of	ADP
fsr-4060	36	12	students	student	NOUN
fsr-4060	36	13	anticipated	anticipate	VERB
fsr-4060	36	14	defaulting	default	VERB
fsr-4060	36	15	on	on	ADP
fsr-4060	36	16	their	their	PRON
fsr-4060	36	17	loans	loan	NOUN
fsr-4060	36	18	and	and	CCONJ
fsr-4060	36	19	students	student	NOUN
fsr-4060	36	20	who	who	PRON
fsr-4060	36	21	believed	believe	VERB
fsr-4060	36	22	that	that	SCONJ
fsr-4060	36	23	higher	high	ADJ
fsr-4060	36	24	education	education	NOUN
fsr-4060	36	25	was	be	AUX
fsr-4060	36	26	a	a	DET
fsr-4060	36	27	good	good	ADJ
fsr-4060	36	28	investment	investment	NOUN
fsr-4060	36	29	were	be	AUX
fsr-4060	36	30	less	less	ADV
fsr-4060	36	31	likely	likely	ADJ
fsr-4060	36	32	to	to	PART
fsr-4060	36	33	anticipate	anticipate	VERB
fsr-4060	36	34	default	default	NOUN
fsr-4060	36	35	(	(	PUNCT
fsr-4060	36	36	fox	fox	NOUN
fsr-4060	36	37	et	et	PROPN
fsr-4060	36	38	al	al	PROPN
fsr-4060	36	39	.	.	PROPN
fsr-4060	36	40	,	,	PUNCT
fsr-4060	36	41	2017	2017	NUM
fsr-4060	36	42	)	)	PUNCT
fsr-4060	36	43	.	.	PUNCT
fsr-4060	37	1	subsequently	subsequently	ADV
fsr-4060	37	2	,	,	PUNCT
fsr-4060	37	3	helping	help	VERB
fsr-4060	37	4	students	student	NOUN
fsr-4060	37	5	make	make	VERB
fsr-4060	37	6	good	good	ADJ
fsr-4060	37	7	borrowing	borrowing	NOUN
fsr-4060	37	8	choices	choice	NOUN
fsr-4060	37	9	could	could	AUX
fsr-4060	37	10	improve	improve	VERB
fsr-4060	37	11	the	the	DET
fsr-4060	37	12	financial	financial	ADJ
fsr-4060	37	13	services	service	NOUN
fsr-4060	37	14	review	review	NOUN
fsr-4060	37	15	,	,	PUNCT
fsr-4060	37	16	33(2	33(2	NUM
fsr-4060	37	17	)	)	PUNCT
fsr-4060	37	18	76	76	NUM
fsr-4060	37	19	likelihood	likelihood	NOUN
fsr-4060	37	20	of	of	ADP
fsr-4060	37	21	repayment	repayment	NOUN
fsr-4060	37	22	.	.	PUNCT
fsr-4060	38	1	this	this	DET
fsr-4060	38	2	study	study	NOUN
fsr-4060	38	3	seeks	seek	VERB
fsr-4060	38	4	to	to	PART
fsr-4060	38	5	advance	advance	VERB
fsr-4060	38	6	the	the	DET
fsr-4060	38	7	literature	literature	NOUN
fsr-4060	38	8	by	by	ADP
fsr-4060	38	9	examining	examine	VERB
fsr-4060	38	10	factors	factor	NOUN
fsr-4060	38	11	related	relate	VERB
fsr-4060	38	12	to	to	ADP
fsr-4060	38	13	students	student	NOUN
fsr-4060	38	14	’	'	PUNCT
fsr-4060	38	15	willingness	willingness	NOUN
fsr-4060	38	16	to	to	PART
fsr-4060	38	17	borrow	borrow	VERB
fsr-4060	38	18	in	in	ADP
fsr-4060	38	19	order	order	NOUN
fsr-4060	38	20	to	to	PART
fsr-4060	38	21	pay	pay	VERB
fsr-4060	38	22	for	for	ADP
fsr-4060	38	23	a	a	DET
fsr-4060	38	24	college	college	NOUN
fsr-4060	38	25	degree	degree	NOUN
fsr-4060	38	26	,	,	PUNCT
fsr-4060	38	27	utilizing	utilize	VERB
fsr-4060	38	28	responses	response	NOUN
fsr-4060	38	29	from	from	ADP
fsr-4060	38	30	a	a	DET
fsr-4060	38	31	national	national	ADJ
fsr-4060	38	32	dataset	dataset	NOUN
fsr-4060	38	33	that	that	PRON
fsr-4060	38	34	directly	directly	ADV
fsr-4060	38	35	queries	query	VERB
fsr-4060	38	36	current	current	ADJ
fsr-4060	38	37	college	college	NOUN
fsr-4060	38	38	students	student	NOUN
fsr-4060	38	39	about	about	ADP
fsr-4060	38	40	their	their	PRON
fsr-4060	38	41	personal	personal	ADJ
fsr-4060	38	42	borrowing	borrowing	NOUN
fsr-4060	38	43	limits	limit	NOUN
fsr-4060	38	44	.	.	PUNCT
fsr-4060	39	1	literature	literature	NOUN
fsr-4060	39	2	review	review	NOUN
fsr-4060	39	3	value	value	NOUN
fsr-4060	39	4	of	of	ADP
fsr-4060	39	5	college	college	NOUN
fsr-4060	39	6	degree	degree	NOUN
fsr-4060	39	7	current	current	ADJ
fsr-4060	39	8	consensus	consensus	NOUN
fsr-4060	39	9	from	from	ADP
fsr-4060	39	10	the	the	DET
fsr-4060	39	11	economic	economic	ADJ
fsr-4060	39	12	literature	literature	NOUN
fsr-4060	39	13	is	be	AUX
fsr-4060	39	14	that	that	SCONJ
fsr-4060	39	15	the	the	DET
fsr-4060	39	16	monetary	monetary	ADJ
fsr-4060	39	17	returns	return	NOUN
fsr-4060	39	18	to	to	ADP
fsr-4060	39	19	college	college	NOUN
fsr-4060	39	20	education	education	NOUN
fsr-4060	39	21	outweigh	outweigh	VERB
fsr-4060	39	22	the	the	DET
fsr-4060	39	23	costs	cost	NOUN
fsr-4060	39	24	(	(	PUNCT
fsr-4060	39	25	oreopoulus	oreopoulus	PROPN
fsr-4060	39	26	&	&	CCONJ
fsr-4060	39	27	petronijevic	petronijevic	PROPN
fsr-4060	39	28	,	,	PUNCT
fsr-4060	39	29	2013	2013	NUM
fsr-4060	39	30	;	;	PUNCT
fsr-4060	39	31	ma	ma	PROPN
fsr-4060	39	32	&	&	CCONJ
fsr-4060	39	33	pender	pender	PROPN
fsr-4060	39	34	,	,	PUNCT
fsr-4060	39	35	2023	2023	NUM
fsr-4060	39	36	)	)	PUNCT
fsr-4060	39	37	.	.	PUNCT
fsr-4060	40	1	the	the	DET
fsr-4060	40	2	literature	literature	NOUN
fsr-4060	40	3	also	also	ADV
fsr-4060	40	4	suggests	suggest	VERB
fsr-4060	40	5	that	that	SCONJ
fsr-4060	40	6	the	the	DET
fsr-4060	40	7	wage	wage	NOUN
fsr-4060	40	8	premium	premium	NOUN
fsr-4060	40	9	has	have	AUX
fsr-4060	40	10	been	be	AUX
fsr-4060	40	11	growing	grow	VERB
fsr-4060	40	12	(	(	PUNCT
fsr-4060	40	13	avery	avery	PROPN
fsr-4060	40	14	&	&	CCONJ
fsr-4060	40	15	turner	turner	PROPN
fsr-4060	40	16	,	,	PUNCT
fsr-4060	40	17	2012	2012	NUM
fsr-4060	40	18	;	;	PUNCT
fsr-4060	40	19	carnevale	carnevale	NOUN
fsr-4060	40	20	,	,	PUNCT
fsr-4060	40	21	cheah	cheah	PROPN
fsr-4060	40	22	,	,	PUNCT
fsr-4060	40	23	&	&	CCONJ
fsr-4060	40	24	wenzinger	wenzinger	PROPN
fsr-4060	40	25	,	,	PUNCT
fsr-4060	40	26	2021	2021	NUM
fsr-4060	40	27	)	)	PUNCT
fsr-4060	40	28	.	.	PUNCT
fsr-4060	41	1	recent	recent	ADJ
fsr-4060	41	2	studies	study	NOUN
fsr-4060	41	3	report	report	VERB
fsr-4060	41	4	that	that	SCONJ
fsr-4060	41	5	those	those	PRON
fsr-4060	41	6	with	with	ADP
fsr-4060	41	7	a	a	DET
fsr-4060	41	8	bachelor	bachelor	NOUN
fsr-4060	41	9	’s	’s	NOUN
fsr-4060	41	10	degree	degree	NOUN
fsr-4060	41	11	earn	earn	VERB
fsr-4060	41	12	6575	6575	NUM
fsr-4060	41	13	%	%	NOUN
fsr-4060	41	14	more	more	ADJ
fsr-4060	41	15	than	than	ADP
fsr-4060	41	16	those	those	PRON
fsr-4060	41	17	with	with	ADP
fsr-4060	41	18	no	no	DET
fsr-4060	41	19	education	education	NOUN
fsr-4060	41	20	past	past	ADP
fsr-4060	41	21	a	a	DET
fsr-4060	41	22	high	high	ADJ
fsr-4060	41	23	school	school	NOUN
fsr-4060	41	24	diploma	diploma	NOUN
fsr-4060	41	25	and	and	CCONJ
fsr-4060	41	26	approximately	approximately	ADV
fsr-4060	41	27	$	$	SYM
fsr-4060	41	28	1.2	1.2	NUM
fsr-4060	41	29	million	million	NUM
fsr-4060	41	30	more	more	ADJ
fsr-4060	41	31	over	over	ADP
fsr-4060	41	32	their	their	PRON
fsr-4060	41	33	lifetimes	lifetime	NOUN
fsr-4060	41	34	(	(	PUNCT
fsr-4060	41	35	carnevale	carnevale	NOUN
fsr-4060	41	36	,	,	PUNCT
fsr-4060	41	37	cheah	cheah	PROPN
fsr-4060	41	38	,	,	PUNCT
fsr-4060	41	39	&	&	CCONJ
fsr-4060	41	40	wenzinger	wenzinger	PROPN
fsr-4060	41	41	,	,	PUNCT
fsr-4060	41	42	2021	2021	NUM
fsr-4060	41	43	;	;	PUNCT
fsr-4060	41	44	ma	ma	PROPN
fsr-4060	41	45	&	&	CCONJ
fsr-4060	41	46	pender	pender	PROPN
fsr-4060	41	47	,	,	PUNCT
fsr-4060	41	48	2023	2023	NUM
fsr-4060	41	49	)	)	PUNCT
fsr-4060	41	50	.	.	PUNCT
fsr-4060	42	1	in	in	ADP
fsr-4060	42	2	addition	addition	NOUN
fsr-4060	42	3	to	to	ADP
fsr-4060	42	4	the	the	DET
fsr-4060	42	5	private	private	ADJ
fsr-4060	42	6	returns	return	NOUN
fsr-4060	42	7	to	to	ADP
fsr-4060	42	8	education	education	NOUN
fsr-4060	42	9	,	,	PUNCT
fsr-4060	42	10	researchers	researcher	NOUN
fsr-4060	42	11	argue	argue	VERB
fsr-4060	42	12	that	that	SCONJ
fsr-4060	42	13	there	there	PRON
fsr-4060	42	14	are	be	VERB
fsr-4060	42	15	many	many	ADJ
fsr-4060	42	16	public	public	ADJ
fsr-4060	42	17	benefits	benefit	NOUN
fsr-4060	42	18	to	to	ADP
fsr-4060	42	19	higher	high	ADJ
fsr-4060	42	20	education	education	NOUN
fsr-4060	42	21	(	(	PUNCT
fsr-4060	42	22	e.g.	e.g.	ADV
fsr-4060	42	23	,	,	PUNCT
fsr-4060	42	24	see	see	VERB
fsr-4060	42	25	damon	damon	PROPN
fsr-4060	42	26	&	&	CCONJ
fsr-4060	42	27	glewwe	glewwe	PROPN
fsr-4060	42	28	,	,	PUNCT
fsr-4060	42	29	2011	2011	NUM
fsr-4060	42	30	)	)	PUNCT
fsr-4060	42	31	.	.	PUNCT
fsr-4060	43	1	for	for	ADP
fsr-4060	43	2	the	the	DET
fsr-4060	43	3	purposes	purpose	NOUN
fsr-4060	43	4	of	of	ADP
fsr-4060	43	5	our	our	PRON
fsr-4060	43	6	discussion	discussion	NOUN
fsr-4060	43	7	,	,	PUNCT
fsr-4060	43	8	it	it	PRON
fsr-4060	43	9	is	be	AUX
fsr-4060	43	10	sufficient	sufficient	ADJ
fsr-4060	43	11	to	to	PART
fsr-4060	43	12	keep	keep	VERB
fsr-4060	43	13	the	the	DET
fsr-4060	43	14	focus	focus	NOUN
fsr-4060	43	15	on	on	ADP
fsr-4060	43	16	the	the	DET
fsr-4060	43	17	private	private	ADJ
fsr-4060	43	18	returns	return	NOUN
fsr-4060	43	19	to	to	ADP
fsr-4060	43	20	education	education	NOUN
fsr-4060	43	21	,	,	PUNCT
fsr-4060	43	22	which	which	PRON
fsr-4060	43	23	include	include	VERB
fsr-4060	43	24	many	many	ADJ
fsr-4060	43	25	benefits	benefit	NOUN
fsr-4060	43	26	beyond	beyond	ADP
fsr-4060	43	27	the	the	DET
fsr-4060	43	28	obvious	obvious	ADJ
fsr-4060	43	29	monetary	monetary	ADJ
fsr-4060	43	30	returns	return	NOUN
fsr-4060	43	31	.	.	PUNCT
fsr-4060	44	1	oreopoulus	oreopoulus	NOUN
fsr-4060	44	2	and	and	CCONJ
fsr-4060	44	3	salvanes	salvane	NOUN
fsr-4060	44	4	(	(	PUNCT
fsr-4060	44	5	2011	2011	NUM
fsr-4060	44	6	)	)	PUNCT
fsr-4060	44	7	outline	outline	NOUN
fsr-4060	44	8	a	a	DET
fsr-4060	44	9	host	host	NOUN
fsr-4060	44	10	of	of	ADP
fsr-4060	44	11	other	other	ADJ
fsr-4060	44	12	non	non	ADJ
fsr-4060	44	13	-	-	ADJ
fsr-4060	44	14	pecuniary	pecuniary	ADJ
fsr-4060	44	15	private	private	ADJ
fsr-4060	44	16	benefits	benefit	NOUN
fsr-4060	44	17	,	,	PUNCT
fsr-4060	44	18	including	include	VERB
fsr-4060	44	19	improved	improved	ADJ
fsr-4060	44	20	work	work	NOUN
fsr-4060	44	21	environments	environment	NOUN
fsr-4060	44	22	,	,	PUNCT
fsr-4060	44	23	sense	sense	NOUN
fsr-4060	44	24	of	of	ADP
fsr-4060	44	25	accomplishment	accomplishment	NOUN
fsr-4060	44	26	,	,	PUNCT
fsr-4060	44	27	autonomy	autonomy	NOUN
fsr-4060	44	28	,	,	PUNCT
fsr-4060	44	29	job	job	NOUN
fsr-4060	44	30	security	security	NOUN
fsr-4060	44	31	,	,	PUNCT
fsr-4060	44	32	opportunity	opportunity	NOUN
fsr-4060	44	33	for	for	ADP
fsr-4060	44	34	social	social	ADJ
fsr-4060	44	35	interaction	interaction	NOUN
fsr-4060	44	36	,	,	PUNCT
fsr-4060	44	37	and	and	CCONJ
fsr-4060	44	38	prestige	prestige	NOUN
fsr-4060	44	39	.	.	PUNCT
fsr-4060	45	1	they	they	PRON
fsr-4060	45	2	also	also	ADV
fsr-4060	45	3	point	point	VERB
fsr-4060	45	4	out	out	ADP
fsr-4060	45	5	that	that	SCONJ
fsr-4060	45	6	increased	increase	VERB
fsr-4060	45	7	education	education	NOUN
fsr-4060	45	8	can	can	AUX
fsr-4060	45	9	lead	lead	VERB
fsr-4060	45	10	to	to	ADP
fsr-4060	45	11	better	well	ADJ
fsr-4060	45	12	marriage	marriage	NOUN
fsr-4060	45	13	opportunities	opportunity	NOUN
fsr-4060	45	14	,	,	PUNCT
fsr-4060	45	15	improved	improve	VERB
fsr-4060	45	16	health	health	NOUN
fsr-4060	45	17	choices	choice	NOUN
fsr-4060	45	18	,	,	PUNCT
fsr-4060	45	19	and	and	CCONJ
fsr-4060	45	20	an	an	DET
fsr-4060	45	21	enjoyable	enjoyable	ADJ
fsr-4060	45	22	college	college	NOUN
fsr-4060	45	23	experience	experience	NOUN
fsr-4060	45	24	,	,	PUNCT
fsr-4060	45	25	concluding	conclude	VERB
fsr-4060	45	26	that	that	SCONJ
fsr-4060	45	27	the	the	DET
fsr-4060	45	28	combined	combined	ADJ
fsr-4060	45	29	effect	effect	NOUN
fsr-4060	45	30	of	of	ADP
fsr-4060	45	31	pecuniary	pecuniary	ADJ
fsr-4060	45	32	and	and	CCONJ
fsr-4060	45	33	non	non	ADJ
fsr-4060	45	34	-	-	ADJ
fsr-4060	45	35	pecuniary	pecuniary	ADJ
fsr-4060	45	36	returns	return	NOUN
fsr-4060	45	37	would	would	AUX
fsr-4060	45	38	be	be	AUX
fsr-4060	45	39	quite	quite	ADV
fsr-4060	45	40	large	large	ADJ
fsr-4060	45	41	(	(	PUNCT
fsr-4060	45	42	oreopoulos	oreopoulo	NOUN
fsr-4060	45	43	&	&	CCONJ
fsr-4060	45	44	salvanes	salvane	NOUN
fsr-4060	45	45	,	,	PUNCT
fsr-4060	45	46	2011	2011	NUM
fsr-4060	45	47	)	)	PUNCT
fsr-4060	45	48	.	.	PUNCT
fsr-4060	46	1	those	those	PRON
fsr-4060	46	2	with	with	ADP
fsr-4060	46	3	college	college	NOUN
fsr-4060	46	4	degrees	degree	NOUN
fsr-4060	46	5	also	also	ADV
fsr-4060	46	6	face	face	VERB
fsr-4060	46	7	much	much	ADV
fsr-4060	46	8	lower	low	ADJ
fsr-4060	46	9	unemployment	unemployment	NOUN
fsr-4060	46	10	rates	rate	NOUN
fsr-4060	46	11	,	,	PUNCT
fsr-4060	46	12	although	although	SCONJ
fsr-4060	46	13	there	there	PRON
fsr-4060	46	14	is	be	VERB
fsr-4060	46	15	substantial	substantial	ADJ
fsr-4060	46	16	variation	variation	NOUN
fsr-4060	46	17	considering	consider	VERB
fsr-4060	46	18	factors	factor	NOUN
fsr-4060	46	19	such	such	ADJ
fsr-4060	46	20	as	as	ADP
fsr-4060	46	21	an	an	DET
fsr-4060	46	22	institution	institution	NOUN
fsr-4060	46	23	’s	’s	PART
fsr-4060	46	24	reputation	reputation	NOUN
fsr-4060	46	25	,	,	PUNCT
fsr-4060	46	26	a	a	DET
fsr-4060	46	27	student	student	NOUN
fsr-4060	46	28	’s	’s	PART
fsr-4060	46	29	major	major	ADJ
fsr-4060	46	30	,	,	PUNCT
fsr-4060	46	31	and	and	CCONJ
fsr-4060	46	32	the	the	DET
fsr-4060	46	33	skills	skill	NOUN
fsr-4060	46	34	they	they	PRON
fsr-4060	46	35	learn	learn	VERB
fsr-4060	46	36	(	(	PUNCT
fsr-4060	46	37	sigelman	sigelman	NOUN
fsr-4060	46	38	&	&	CCONJ
fsr-4060	46	39	selingo	selingo	PROPN
fsr-4060	46	40	,	,	PUNCT
fsr-4060	46	41	2021	2021	NUM
fsr-4060	46	42	)	)	PUNCT
fsr-4060	46	43	.	.	PUNCT
fsr-4060	47	1	during	during	ADP
fsr-4060	47	2	difficult	difficult	ADJ
fsr-4060	47	3	economic	economic	ADJ
fsr-4060	47	4	periods	period	NOUN
fsr-4060	47	5	,	,	PUNCT
fsr-4060	47	6	such	such	ADJ
fsr-4060	47	7	as	as	ADP
fsr-4060	47	8	a	a	DET
fsr-4060	47	9	recession	recession	NOUN
fsr-4060	47	10	(	(	PUNCT
fsr-4060	47	11	hoynes	hoyne	NOUN
fsr-4060	47	12	et	et	NOUN
fsr-4060	47	13	al	al	PROPN
fsr-4060	47	14	.	.	PROPN
fsr-4060	47	15	,	,	PUNCT
fsr-4060	47	16	2012	2012	NUM
fsr-4060	47	17	)	)	PUNCT
fsr-4060	47	18	and	and	CCONJ
fsr-4060	47	19	the	the	DET
fsr-4060	47	20	covid19	covid19	NOUN
fsr-4060	47	21	pandemic	pandemic	PROPN
fsr-4060	47	22	(	(	PUNCT
fsr-4060	47	23	daly	daly	PROPN
fsr-4060	47	24	et	et	PROPN
fsr-4060	47	25	al	al	PROPN
fsr-4060	47	26	.	.	PROPN
fsr-4060	47	27	,	,	PUNCT
fsr-4060	47	28	2020	2020	NUM
fsr-4060	47	29	)	)	PUNCT
fsr-4060	47	30	,	,	PUNCT
fsr-4060	47	31	those	those	PRON
fsr-4060	47	32	with	with	ADP
fsr-4060	47	33	college	college	NOUN
fsr-4060	47	34	degrees	degree	NOUN
fsr-4060	47	35	have	have	AUX
fsr-4060	47	36	been	be	AUX
fsr-4060	47	37	found	find	VERB
fsr-4060	47	38	to	to	PART
fsr-4060	47	39	suffer	suffer	VERB
fsr-4060	47	40	less	less	ADJ
fsr-4060	47	41	from	from	ADP
fsr-4060	47	42	unemployment	unemployment	NOUN
fsr-4060	47	43	than	than	ADP
fsr-4060	47	44	those	those	PRON
fsr-4060	47	45	without	without	ADP
fsr-4060	47	46	college	college	NOUN
fsr-4060	47	47	degrees	degree	NOUN
fsr-4060	47	48	.	.	PUNCT
fsr-4060	48	1	in	in	ADP
fsr-4060	48	2	terms	term	NOUN
fsr-4060	48	3	of	of	ADP
fsr-4060	48	4	other	other	ADJ
fsr-4060	48	5	non	non	ADJ
fsr-4060	48	6	-	-	ADJ
fsr-4060	48	7	pecuniary	pecuniary	ADJ
fsr-4060	48	8	benefits	benefit	NOUN
fsr-4060	48	9	,	,	PUNCT
fsr-4060	48	10	ma	ma	PROPN
fsr-4060	48	11	and	and	CCONJ
fsr-4060	48	12	pender	pender	PROPN
fsr-4060	48	13	(	(	PUNCT
fsr-4060	48	14	2023	2023	NUM
fsr-4060	48	15	)	)	PUNCT
fsr-4060	48	16	report	report	NOUN
fsr-4060	48	17	that	that	SCONJ
fsr-4060	48	18	those	those	PRON
fsr-4060	48	19	with	with	ADP
fsr-4060	48	20	at	at	ADP
fsr-4060	48	21	least	least	ADJ
fsr-4060	48	22	a	a	DET
fsr-4060	48	23	bachelor	bachelor	NOUN
fsr-4060	48	24	’s	’s	PART
fsr-4060	48	25	degree	degree	NOUN
fsr-4060	48	26	are	be	AUX
fsr-4060	48	27	more	more	ADV
fsr-4060	48	28	likely	likely	ADJ
fsr-4060	48	29	to	to	PART
fsr-4060	48	30	be	be	AUX
fsr-4060	48	31	engaged	engage	VERB
fsr-4060	48	32	in	in	ADP
fsr-4060	48	33	the	the	DET
fsr-4060	48	34	community	community	NOUN
fsr-4060	48	35	,	,	PUNCT
fsr-4060	48	36	involved	involve	VERB
fsr-4060	48	37	with	with	ADP
fsr-4060	48	38	their	their	PRON
fsr-4060	48	39	children	child	NOUN
fsr-4060	48	40	’s	’s	PART
fsr-4060	48	41	activities	activity	NOUN
fsr-4060	48	42	,	,	PUNCT
fsr-4060	48	43	and	and	CCONJ
fsr-4060	48	44	more	more	ADV
fsr-4060	48	45	likely	likely	ADJ
fsr-4060	48	46	to	to	PART
fsr-4060	48	47	live	live	VERB
fsr-4060	48	48	a	a	DET
fsr-4060	48	49	healthy	healthy	ADJ
fsr-4060	48	50	lifestyle	lifestyle	NOUN
fsr-4060	48	51	.	.	PUNCT
fsr-4060	49	1	borrowing	borrowing	NOUN
fsr-4060	49	2	decisions	decision	NOUN
fsr-4060	49	3	research	research	NOUN
fsr-4060	49	4	on	on	ADP
fsr-4060	49	5	student	student	NOUN
fsr-4060	49	6	borrowing	borrowing	NOUN
fsr-4060	49	7	decisions	decision	NOUN
fsr-4060	49	8	has	have	AUX
fsr-4060	49	9	mostly	mostly	ADV
fsr-4060	49	10	focused	focus	VERB
fsr-4060	49	11	on	on	ADP
fsr-4060	49	12	financial	financial	ADJ
fsr-4060	49	13	resources	resource	NOUN
fsr-4060	49	14	of	of	ADP
fsr-4060	49	15	students	student	NOUN
fsr-4060	49	16	and	and	CCONJ
fsr-4060	49	17	found	find	VERB
fsr-4060	49	18	some	some	DET
fsr-4060	49	19	disparity	disparity	NOUN
fsr-4060	49	20	in	in	ADP
fsr-4060	49	21	borrowing	borrowing	NOUN
fsr-4060	49	22	decisions	decision	NOUN
fsr-4060	49	23	depending	depend	VERB
fsr-4060	49	24	on	on	ADP
fsr-4060	49	25	their	their	PRON
fsr-4060	49	26	available	available	ADJ
fsr-4060	49	27	resources	resource	NOUN
fsr-4060	49	28	(	(	PUNCT
fsr-4060	49	29	baum	baum	PROPN
fsr-4060	49	30	&	&	CCONJ
fsr-4060	49	31	payea	payea	PROPN
fsr-4060	49	32	,	,	PUNCT
fsr-4060	49	33	2012	2012	NUM
fsr-4060	49	34	;	;	PUNCT
fsr-4060	49	35	cha	cha	PROPN
fsr-4060	49	36	&	&	CCONJ
fsr-4060	49	37	weagley	weagley	PROPN
fsr-4060	49	38	,	,	PUNCT
fsr-4060	49	39	2002	2002	NUM
fsr-4060	49	40	;	;	PUNCT
fsr-4060	49	41	cunningham	cunningham	PROPN
fsr-4060	49	42	&	&	CCONJ
fsr-4060	49	43	santiago	santiago	PROPN
fsr-4060	49	44	,	,	PUNCT
fsr-4060	49	45	2008	2008	NUM
fsr-4060	49	46	;	;	PUNCT
fsr-4060	49	47	goldrick	goldrick	NOUN
fsr-4060	49	48	-	-	PUNCT
fsr-4060	49	49	rab	rab	PROPN
fsr-4060	49	50	&	&	CCONJ
fsr-4060	49	51	kelchen	kelchen	PROPN
fsr-4060	49	52	,	,	PUNCT
fsr-4060	49	53	2015	2015	NUM
fsr-4060	49	54	;	;	PUNCT
fsr-4060	49	55	perna	perna	NOUN
fsr-4060	49	56	,	,	PUNCT
fsr-4060	49	57	2008	2008	NUM
fsr-4060	49	58	)	)	PUNCT
fsr-4060	49	59	.	.	PUNCT
fsr-4060	50	1	cha	cha	PROPN
fsr-4060	50	2	and	and	CCONJ
fsr-4060	50	3	weagley	weagley	ADV
fsr-4060	50	4	(	(	PUNCT
fsr-4060	50	5	2002	2002	NUM
fsr-4060	50	6	)	)	PUNCT
fsr-4060	50	7	find	find	VERB
fsr-4060	50	8	that	that	SCONJ
fsr-4060	50	9	students	student	NOUN
fsr-4060	50	10	with	with	ADP
fsr-4060	50	11	higher	high	ADJ
fsr-4060	50	12	income	income	NOUN
fsr-4060	50	13	,	,	PUNCT
fsr-4060	50	14	which	which	PRON
fsr-4060	50	15	includes	include	VERB
fsr-4060	50	16	parental	parental	ADJ
fsr-4060	50	17	income	income	NOUN
fsr-4060	50	18	for	for	ADP
fsr-4060	50	19	dependent	dependent	ADJ
fsr-4060	50	20	students	student	NOUN
fsr-4060	50	21	,	,	PUNCT
fsr-4060	50	22	are	be	AUX
fsr-4060	50	23	significantly	significantly	ADV
fsr-4060	50	24	less	less	ADV
fsr-4060	50	25	likely	likely	ADJ
fsr-4060	50	26	to	to	PART
fsr-4060	50	27	borrow	borrow	VERB
fsr-4060	50	28	to	to	PART
fsr-4060	50	29	pay	pay	VERB
fsr-4060	50	30	for	for	ADP
fsr-4060	50	31	college	college	NOUN
fsr-4060	50	32	than	than	ADP
fsr-4060	50	33	students	student	NOUN
fsr-4060	50	34	with	with	ADP
fsr-4060	50	35	low	low	ADJ
fsr-4060	50	36	-	-	PUNCT
fsr-4060	50	37	income	income	NOUN
fsr-4060	50	38	.	.	PUNCT
fsr-4060	51	1	similarly	similarly	ADV
fsr-4060	51	2	,	,	PUNCT
fsr-4060	51	3	students	student	NOUN
fsr-4060	51	4	from	from	ADP
fsr-4060	51	5	low	low	ADJ
fsr-4060	51	6	-	-	PUNCT
fsr-4060	51	7	income	income	NOUN
fsr-4060	51	8	families	family	NOUN
fsr-4060	51	9	are	be	AUX
fsr-4060	51	10	more	more	ADV
fsr-4060	51	11	likely	likely	ADJ
fsr-4060	51	12	to	to	PART
fsr-4060	51	13	borrow	borrow	VERB
fsr-4060	51	14	(	(	PUNCT
fsr-4060	51	15	baum	baum	PROPN
fsr-4060	51	16	&	&	CCONJ
fsr-4060	51	17	payea	payea	PROPN
fsr-4060	51	18	,	,	PUNCT
fsr-4060	51	19	2012	2012	NUM
fsr-4060	51	20	;	;	PUNCT
fsr-4060	51	21	baum	baum	PROPN
fsr-4060	51	22	&	&	CCONJ
fsr-4060	51	23	schwartz	schwartz	PROPN
fsr-4060	51	24	,	,	PUNCT
fsr-4060	51	25	2015	2015	NUM
fsr-4060	51	26	)	)	PUNCT
fsr-4060	51	27	.	.	PUNCT
fsr-4060	52	1	this	this	DET
fsr-4060	52	2	discrepancy	discrepancy	NOUN
fsr-4060	52	3	results	result	VERB
fsr-4060	52	4	in	in	ADP
fsr-4060	52	5	students	student	NOUN
fsr-4060	52	6	from	from	ADP
fsr-4060	52	7	low	low	ADJ
fsr-4060	52	8	-	-	PUNCT
fsr-4060	52	9	income	income	NOUN
fsr-4060	52	10	households	household	NOUN
fsr-4060	52	11	having	have	VERB
fsr-4060	52	12	more	more	ADJ
fsr-4060	52	13	debt	debt	NOUN
fsr-4060	52	14	(	(	PUNCT
fsr-4060	52	15	households	household	NOUN
fsr-4060	52	16	earning	earn	VERB
fsr-4060	52	17	less	less	ADJ
fsr-4060	52	18	than	than	ADP
fsr-4060	52	19	$	$	SYM
fsr-4060	52	20	30,000	30,000	NUM
fsr-4060	52	21	average	average	ADJ
fsr-4060	52	22	debt	debt	NOUN
fsr-4060	52	23	load	load	NOUN
fsr-4060	52	24	=	=	NOUN
fsr-4060	52	25	$	$	SYM
fsr-4060	52	26	16,500	16,500	NUM
fsr-4060	52	27	)	)	PUNCT
fsr-4060	52	28	compared	compare	VERB
fsr-4060	52	29	to	to	ADP
fsr-4060	52	30	those	those	PRON
fsr-4060	52	31	from	from	ADP
fsr-4060	52	32	higher	high	ADJ
fsr-4060	52	33	income	income	NOUN
fsr-4060	52	34	households	household	NOUN
fsr-4060	52	35	(	(	PUNCT
fsr-4060	52	36	households	household	NOUN
fsr-4060	52	37	earning	earn	VERB
fsr-4060	52	38	more	more	ADJ
fsr-4060	52	39	than	than	ADP
fsr-4060	52	40	$	$	SYM
fsr-4060	52	41	120,000	120,000	NUM
fsr-4060	52	42	average	average	ADJ
fsr-4060	52	43	debt	debt	NOUN
fsr-4060	52	44	load	load	NOUN
fsr-4060	52	45	=	=	PUNCT
fsr-4060	52	46	$	$	SYM
fsr-4060	52	47	14,000	14,000	NUM
fsr-4060	52	48	)	)	PUNCT
fsr-4060	52	49	(	(	PUNCT
fsr-4060	52	50	baum	baum	PROPN
fsr-4060	52	51	&	&	CCONJ
fsr-4060	52	52	payea	payea	PROPN
fsr-4060	52	53	,	,	PUNCT
fsr-4060	52	54	2012	2012	NUM
fsr-4060	52	55	)	)	PUNCT
fsr-4060	52	56	.	.	PUNCT
fsr-4060	53	1	this	this	PRON
fsr-4060	53	2	suggests	suggest	VERB
fsr-4060	53	3	an	an	DET
fsr-4060	53	4	unequal	unequal	ADJ
fsr-4060	53	5	debt	debt	NOUN
fsr-4060	53	6	-	-	PUNCT
fsr-4060	53	7	to	to	ADP
fsr-4060	53	8	-	-	PUNCT
fsr-4060	53	9	income	income	NOUN
fsr-4060	53	10	burden	burden	NOUN
fsr-4060	53	11	for	for	ADP
fsr-4060	53	12	low	low	ADJ
fsr-4060	53	13	-	-	PUNCT
fsr-4060	53	14	income	income	NOUN
fsr-4060	53	15	families	family	NOUN
fsr-4060	53	16	.	.	PUNCT
fsr-4060	54	1	although	although	SCONJ
fsr-4060	54	2	students	student	NOUN
fsr-4060	54	3	with	with	ADP
fsr-4060	54	4	more	more	ADJ
fsr-4060	54	5	assets	asset	NOUN
fsr-4060	54	6	were	be	AUX
fsr-4060	54	7	less	less	ADV
fsr-4060	54	8	likely	likely	ADJ
fsr-4060	54	9	to	to	PART
fsr-4060	54	10	borrow	borrow	VERB
fsr-4060	54	11	,	,	PUNCT
fsr-4060	54	12	they	they	PRON
fsr-4060	54	13	borrowed	borrow	VERB
fsr-4060	54	14	higher	high	ADJ
fsr-4060	54	15	amounts	amount	NOUN
fsr-4060	54	16	than	than	ADP
fsr-4060	54	17	students	student	NOUN
fsr-4060	54	18	with	with	ADP
fsr-4060	54	19	fewer	few	ADJ
fsr-4060	54	20	assets	asset	NOUN
fsr-4060	54	21	when	when	SCONJ
fsr-4060	54	22	they	they	PRON
fsr-4060	54	23	did	do	AUX
fsr-4060	54	24	borrow	borrow	VERB
fsr-4060	54	25	(	(	PUNCT
fsr-4060	54	26	cha	cha	PROPN
fsr-4060	54	27	&	&	CCONJ
fsr-4060	54	28	weagley	weagley	PROPN
fsr-4060	54	29	,	,	PUNCT
fsr-4060	54	30	2002	2002	NUM
fsr-4060	54	31	)	)	PUNCT
fsr-4060	54	32	.	.	PUNCT
fsr-4060	55	1	in	in	ADP
fsr-4060	55	2	addition	addition	NOUN
fsr-4060	55	3	to	to	ADP
fsr-4060	55	4	having	have	VERB
fsr-4060	55	5	a	a	DET
fsr-4060	55	6	direct	direct	ADJ
fsr-4060	55	7	impact	impact	NOUN
fsr-4060	55	8	on	on	ADP
fsr-4060	55	9	the	the	DET
fsr-4060	55	10	available	available	ADJ
fsr-4060	55	11	financial	financial	ADJ
fsr-4060	55	12	resources	resource	NOUN
fsr-4060	55	13	,	,	PUNCT
fsr-4060	55	14	research	research	NOUN
fsr-4060	55	15	shows	show	VERB
fsr-4060	55	16	that	that	SCONJ
fsr-4060	55	17	family	family	NOUN
fsr-4060	55	18	socioeconomic	socioeconomic	ADJ
fsr-4060	55	19	background	background	NOUN
fsr-4060	55	20	has	have	VERB
fsr-4060	55	21	other	other	ADJ
fsr-4060	55	22	effects	effect	NOUN
fsr-4060	55	23	on	on	ADP
fsr-4060	55	24	borrowing	borrowing	NOUN
fsr-4060	55	25	choices	choice	NOUN
fsr-4060	55	26	.	.	PUNCT
fsr-4060	56	1	for	for	ADP
fsr-4060	56	2	example	example	NOUN
fsr-4060	56	3	,	,	PUNCT
fsr-4060	56	4	several	several	ADJ
fsr-4060	56	5	studies	study	NOUN
fsr-4060	56	6	(	(	PUNCT
fsr-4060	56	7	cunningham	cunningham	PROPN
fsr-4060	56	8	&	&	CCONJ
fsr-4060	56	9	santiago	santiago	PROPN
fsr-4060	56	10	,	,	PUNCT
fsr-4060	56	11	2008	2008	NUM
fsr-4060	56	12	;	;	PUNCT
fsr-4060	56	13	goldrick	goldrick	NOUN
fsr-4060	56	14	-	-	PUNCT
fsr-4060	56	15	rab	rab	PROPN
fsr-4060	56	16	&	&	CCONJ
fsr-4060	56	17	kelchen	kelchen	PROPN
fsr-4060	56	18	,	,	PUNCT
fsr-4060	56	19	2015	2015	NUM
fsr-4060	56	20	;	;	PUNCT
fsr-4060	56	21	perna	perna	PROPN
fsr-4060	56	22	,	,	PUNCT
fsr-4060	56	23	2008	2008	NUM
fsr-4060	56	24	)	)	PUNCT
fsr-4060	56	25	find	find	VERB
fsr-4060	56	26	evidence	evidence	NOUN
fsr-4060	56	27	of	of	ADP
fsr-4060	56	28	debt	debt	NOUN
fsr-4060	56	29	aversion	aversion	NOUN
fsr-4060	56	30	among	among	ADP
fsr-4060	56	31	students	student	NOUN
fsr-4060	56	32	from	from	ADP
fsr-4060	56	33	lower	low	ADJ
fsr-4060	56	34	socioeconomic	socioeconomic	ADJ
fsr-4060	56	35	backgrounds	background	NOUN
fsr-4060	56	36	.	.	PUNCT
fsr-4060	57	1	goldrick	goldrick	PROPN
fsr-4060	57	2	-	-	PUNCT
fsr-4060	57	3	rab	rab	PROPN
fsr-4060	57	4	and	and	CCONJ
fsr-4060	57	5	kelchen	kelchen	PROPN
fsr-4060	57	6	(	(	PUNCT
fsr-4060	57	7	2015	2015	NUM
fsr-4060	57	8	)	)	PUNCT
fsr-4060	57	9	explore	explore	VERB
fsr-4060	57	10	the	the	DET
fsr-4060	57	11	topic	topic	NOUN
fsr-4060	57	12	of	of	ADP
fsr-4060	57	13	debt	debt	NOUN
fsr-4060	57	14	aversion	aversion	NOUN
fsr-4060	57	15	using	use	VERB
fsr-4060	57	16	a	a	DET
fsr-4060	57	17	sample	sample	NOUN
fsr-4060	57	18	of	of	ADP
fsr-4060	57	19	pell	pell	PROPN
fsr-4060	57	20	grant	grant	NOUN
fsr-4060	57	21	recipients	recipient	NOUN
fsr-4060	57	22	from	from	ADP
fsr-4060	57	23	the	the	DET
fsr-4060	57	24	wisconsin	wisconsin	PROPN
fsr-4060	57	25	scholars	scholars	PROPN
fsr-4060	57	26	longitudinal	longitudinal	ADJ
fsr-4060	57	27	study	study	NOUN
fsr-4060	57	28	.	.	PUNCT
fsr-4060	58	1	the	the	DET
fsr-4060	58	2	researchers	researcher	NOUN
fsr-4060	58	3	report	report	VERB
fsr-4060	58	4	that	that	SCONJ
fsr-4060	58	5	parental	parental	ADJ
fsr-4060	58	6	education	education	NOUN
fsr-4060	58	7	was	be	AUX
fsr-4060	58	8	positively	positively	ADV
fsr-4060	58	9	correlated	correlate	VERB
fsr-4060	58	10	with	with	ADP
fsr-4060	58	11	the	the	DET
fsr-4060	58	12	decision	decision	NOUN
fsr-4060	58	13	to	to	PART
fsr-4060	58	14	take	take	VERB
fsr-4060	58	15	student	student	NOUN
fsr-4060	58	16	loans	loan	NOUN
fsr-4060	58	17	.	.	PUNCT
fsr-4060	59	1	students	student	NOUN
fsr-4060	59	2	from	from	ADP
fsr-4060	59	3	families	family	NOUN
fsr-4060	59	4	with	with	ADP
fsr-4060	59	5	lower	low	ADJ
fsr-4060	59	6	socioeconomic	socioeconomic	ADJ
fsr-4060	59	7	status	status	NOUN
fsr-4060	59	8	(	(	PUNCT
fsr-4060	59	9	lowses	lowse	NOUN
fsr-4060	59	10	)	)	PUNCT
fsr-4060	59	11	are	be	AUX
fsr-4060	59	12	more	more	ADJ
fsr-4060	59	13	loan	loan	NOUN
fsr-4060	59	14	averse	averse	ADJ
fsr-4060	59	15	,	,	PUNCT
fsr-4060	59	16	particularly	particularly	ADV
fsr-4060	59	17	those	those	DET
fsr-4060	59	18	heckman	heckman	PROPN
fsr-4060	59	19	et	et	PROPN
fsr-4060	59	20	al	al	PROPN
fsr-4060	59	21	.	.	PROPN
fsr-4060	59	22	77	77	NUM
fsr-4060	59	23	growing	grow	VERB
fsr-4060	59	24	up	up	ADP
fsr-4060	59	25	in	in	ADP
fsr-4060	59	26	poverty	poverty	NOUN
fsr-4060	59	27	or	or	CCONJ
fsr-4060	59	28	lacking	lack	VERB
fsr-4060	59	29	financial	financial	ADJ
fsr-4060	59	30	support	support	NOUN
fsr-4060	59	31	from	from	ADP
fsr-4060	59	32	their	their	PRON
fsr-4060	59	33	families	family	NOUN
fsr-4060	59	34	.	.	PUNCT
fsr-4060	60	1	based	base	VERB
fsr-4060	60	2	on	on	ADP
fsr-4060	60	3	their	their	PRON
fsr-4060	60	4	findings	finding	NOUN
fsr-4060	60	5	,	,	PUNCT
fsr-4060	60	6	the	the	DET
fsr-4060	60	7	authors	author	NOUN
fsr-4060	60	8	suggest	suggest	VERB
fsr-4060	60	9	that	that	SCONJ
fsr-4060	60	10	an	an	DET
fsr-4060	60	11	aversion	aversion	NOUN
fsr-4060	60	12	to	to	ADP
fsr-4060	60	13	debt	debt	NOUN
fsr-4060	60	14	might	might	AUX
fsr-4060	60	15	be	be	AUX
fsr-4060	60	16	related	relate	VERB
fsr-4060	60	17	to	to	ADP
fsr-4060	60	18	cultural	cultural	ADJ
fsr-4060	60	19	and	and	CCONJ
fsr-4060	60	20	community	community	NOUN
fsr-4060	60	21	norms	norm	NOUN
fsr-4060	60	22	and	and	CCONJ
fsr-4060	60	23	these	these	DET
fsr-4060	60	24	factors	factor	NOUN
fsr-4060	60	25	are	be	AUX
fsr-4060	60	26	important	important	ADJ
fsr-4060	60	27	to	to	PART
fsr-4060	60	28	consider	consider	VERB
fsr-4060	60	29	when	when	SCONJ
fsr-4060	60	30	developing	develop	VERB
fsr-4060	60	31	college	college	NOUN
fsr-4060	60	32	financing	financing	NOUN
fsr-4060	60	33	interventions	intervention	NOUN
fsr-4060	60	34	(	(	PUNCT
fsr-4060	60	35	goldrick	goldrick	NOUN
fsr-4060	60	36	-	-	PUNCT
fsr-4060	60	37	rab	rab	PROPN
fsr-4060	60	38	&	&	CCONJ
fsr-4060	60	39	kelchen	kelchen	PROPN
fsr-4060	60	40	,	,	PUNCT
fsr-4060	60	41	2015	2015	NUM
fsr-4060	60	42	)	)	PUNCT
fsr-4060	60	43	.	.	PUNCT
fsr-4060	61	1	furthermore	furthermore	ADV
fsr-4060	61	2	,	,	PUNCT
fsr-4060	61	3	a	a	DET
fsr-4060	61	4	survey	survey	NOUN
fsr-4060	61	5	of	of	ADP
fsr-4060	61	6	undergraduate	undergraduate	ADJ
fsr-4060	61	7	students	student	NOUN
fsr-4060	61	8	reports	report	VERB
fsr-4060	61	9	that	that	SCONJ
fsr-4060	61	10	45	45	NUM
fsr-4060	61	11	%	%	NOUN
fsr-4060	61	12	of	of	ADP
fsr-4060	61	13	the	the	DET
fsr-4060	61	14	neediest	needy	ADJ
fsr-4060	61	15	students	student	NOUN
fsr-4060	61	16	decided	decide	VERB
fsr-4060	61	17	not	not	PART
fsr-4060	61	18	to	to	PART
fsr-4060	61	19	take	take	VERB
fsr-4060	61	20	the	the	DET
fsr-4060	61	21	student	student	NOUN
fsr-4060	61	22	loans	loan	NOUN
fsr-4060	61	23	offered	offer	VERB
fsr-4060	61	24	to	to	ADP
fsr-4060	61	25	them	they	PRON
fsr-4060	61	26	,	,	PUNCT
fsr-4060	61	27	which	which	PRON
fsr-4060	61	28	rendered	render	VERB
fsr-4060	61	29	them	they	PRON
fsr-4060	61	30	unable	unable	ADJ
fsr-4060	61	31	to	to	PART
fsr-4060	61	32	cover	cover	VERB
fsr-4060	61	33	the	the	DET
fsr-4060	61	34	expenses	expense	NOUN
fsr-4060	61	35	needed	need	VERB
fsr-4060	61	36	to	to	PART
fsr-4060	61	37	complete	complete	VERB
fsr-4060	61	38	their	their	PRON
fsr-4060	61	39	education	education	NOUN
fsr-4060	61	40	(	(	PUNCT
fsr-4060	61	41	cunningham	cunningham	PROPN
fsr-4060	61	42	&	&	CCONJ
fsr-4060	61	43	santiago	santiago	PROPN
fsr-4060	61	44	,	,	PUNCT
fsr-4060	61	45	2008	2008	NUM
fsr-4060	61	46	)	)	PUNCT
fsr-4060	61	47	.	.	PUNCT
fsr-4060	62	1	in	in	ADP
fsr-4060	62	2	an	an	DET
fsr-4060	62	3	examination	examination	NOUN
fsr-4060	62	4	of	of	ADP
fsr-4060	62	5	high	high	ADJ
fsr-4060	62	6	school	school	NOUN
fsr-4060	62	7	students	student	NOUN
fsr-4060	62	8	’	'	PUNCT
fsr-4060	62	9	willingness	willingness	NOUN
fsr-4060	62	10	to	to	PART
fsr-4060	62	11	borrow	borrow	VERB
fsr-4060	62	12	for	for	ADP
fsr-4060	62	13	college	college	NOUN
fsr-4060	62	14	,	,	PUNCT
fsr-4060	62	15	perna	perna	PROPN
fsr-4060	62	16	(	(	PUNCT
fsr-4060	62	17	2008	2008	NUM
fsr-4060	62	18	)	)	PUNCT
fsr-4060	62	19	finds	find	VERB
fsr-4060	62	20	that	that	SCONJ
fsr-4060	62	21	loan	loan	NOUN
fsr-4060	62	22	perceptions	perception	NOUN
fsr-4060	62	23	are	be	AUX
fsr-4060	62	24	heavily	heavily	ADV
fsr-4060	62	25	influenced	influence	VERB
fsr-4060	62	26	by	by	ADP
fsr-4060	62	27	the	the	DET
fsr-4060	62	28	messages	message	NOUN
fsr-4060	62	29	students	student	NOUN
fsr-4060	62	30	receive	receive	VERB
fsr-4060	62	31	from	from	ADP
fsr-4060	62	32	parents	parent	NOUN
fsr-4060	62	33	and	and	CCONJ
fsr-4060	62	34	teachers	teacher	NOUN
fsr-4060	62	35	regarding	regard	VERB
fsr-4060	62	36	loans	loan	NOUN
fsr-4060	62	37	.	.	PUNCT
fsr-4060	63	1	she	she	PRON
fsr-4060	63	2	also	also	ADV
fsr-4060	63	3	finds	find	VERB
fsr-4060	63	4	that	that	SCONJ
fsr-4060	63	5	lowincome	lowincome	NOUN
fsr-4060	63	6	students	student	NOUN
fsr-4060	63	7	tend	tend	VERB
fsr-4060	63	8	to	to	PART
fsr-4060	63	9	be	be	AUX
fsr-4060	63	10	less	less	ADV
fsr-4060	63	11	informed	informed	ADJ
fsr-4060	63	12	and	and	CCONJ
fsr-4060	63	13	to	to	PART
fsr-4060	63	14	view	view	VERB
fsr-4060	63	15	the	the	DET
fsr-4060	63	16	use	use	NOUN
fsr-4060	63	17	of	of	ADP
fsr-4060	63	18	student	student	NOUN
fsr-4060	63	19	loans	loan	NOUN
fsr-4060	63	20	as	as	ADP
fsr-4060	63	21	riskier	risky	ADJ
fsr-4060	63	22	compared	compare	VERB
fsr-4060	63	23	to	to	ADP
fsr-4060	63	24	students	student	NOUN
fsr-4060	63	25	from	from	ADP
fsr-4060	63	26	high	high	ADJ
fsr-4060	63	27	-	-	PUNCT
fsr-4060	63	28	income	income	NOUN
fsr-4060	63	29	families	family	NOUN
fsr-4060	63	30	.	.	PUNCT
fsr-4060	64	1	her	her	PRON
fsr-4060	64	2	analysis	analysis	NOUN
fsr-4060	64	3	shows	show	VERB
fsr-4060	64	4	that	that	SCONJ
fsr-4060	64	5	students	student	NOUN
fsr-4060	64	6	and	and	CCONJ
fsr-4060	64	7	parents	parent	NOUN
fsr-4060	64	8	generally	generally	ADV
fsr-4060	64	9	thought	think	VERB
fsr-4060	64	10	about	about	ADP
fsr-4060	64	11	student	student	NOUN
fsr-4060	64	12	loan	loan	NOUN
fsr-4060	64	13	borrowing	borrowing	NOUN
fsr-4060	64	14	in	in	ADP
fsr-4060	64	15	terms	term	NOUN
fsr-4060	64	16	of	of	ADP
fsr-4060	64	17	costs	cost	NOUN
fsr-4060	64	18	and	and	CCONJ
fsr-4060	64	19	benefits	benefit	NOUN
fsr-4060	64	20	,	,	PUNCT
fsr-4060	64	21	as	as	SCONJ
fsr-4060	64	22	predicted	predict	VERB
fsr-4060	64	23	by	by	ADP
fsr-4060	64	24	human	human	ADJ
fsr-4060	64	25	capital	capital	NOUN
fsr-4060	64	26	theory	theory	NOUN
fsr-4060	64	27	(	(	PUNCT
fsr-4060	64	28	perna	perna	NOUN
fsr-4060	64	29	,	,	PUNCT
fsr-4060	64	30	2008	2008	NUM
fsr-4060	64	31	)	)	PUNCT
fsr-4060	64	32	.	.	PUNCT
fsr-4060	65	1	results	result	NOUN
fsr-4060	65	2	from	from	ADP
fsr-4060	65	3	boatman	boatman	PROPN
fsr-4060	65	4	and	and	CCONJ
fsr-4060	65	5	evans	evans	PROPN
fsr-4060	65	6	(	(	PUNCT
fsr-4060	65	7	2017	2017	NUM
fsr-4060	65	8	)	)	PUNCT
fsr-4060	65	9	are	be	AUX
fsr-4060	65	10	consistent	consistent	ADJ
fsr-4060	65	11	with	with	ADP
fsr-4060	65	12	perna	perna	PROPN
fsr-4060	65	13	’s	’s	PART
fsr-4060	65	14	(	(	PUNCT
fsr-4060	65	15	2008	2008	NUM
fsr-4060	65	16	)	)	PUNCT
fsr-4060	65	17	finding	find	VERB
fsr-4060	65	18	that	that	DET
fsr-4060	65	19	student	student	NOUN
fsr-4060	65	20	loan	loan	NOUN
fsr-4060	65	21	borrowing	borrowing	NOUN
fsr-4060	65	22	is	be	AUX
fsr-4060	65	23	generally	generally	ADV
fsr-4060	65	24	consistent	consistent	ADJ
fsr-4060	65	25	with	with	ADP
fsr-4060	65	26	human	human	ADJ
fsr-4060	65	27	capital	capital	NOUN
fsr-4060	65	28	theory	theory	NOUN
fsr-4060	65	29	.	.	PUNCT
fsr-4060	66	1	boatman	boatman	PROPN
fsr-4060	66	2	and	and	CCONJ
fsr-4060	66	3	evans	evans	PROPN
fsr-4060	66	4	(	(	PUNCT
fsr-4060	66	5	2017	2017	NUM
fsr-4060	66	6	)	)	PUNCT
fsr-4060	66	7	report	report	NOUN
fsr-4060	66	8	that	that	SCONJ
fsr-4060	66	9	awareness	awareness	NOUN
fsr-4060	66	10	of	of	ADP
fsr-4060	66	11	income	income	NOUN
fsr-4060	66	12	-	-	PUNCT
fsr-4060	66	13	based	base	VERB
fsr-4060	66	14	repayment	repayment	NOUN
fsr-4060	66	15	and	and	CCONJ
fsr-4060	66	16	higher	high	ADJ
fsr-4060	66	17	financial	financial	ADJ
fsr-4060	66	18	literacy	literacy	NOUN
fsr-4060	66	19	were	be	AUX
fsr-4060	66	20	both	both	PRON
fsr-4060	66	21	associated	associate	VERB
fsr-4060	66	22	with	with	ADP
fsr-4060	66	23	a	a	DET
fsr-4060	66	24	greater	great	ADJ
fsr-4060	66	25	willingness	willingness	NOUN
fsr-4060	66	26	to	to	PART
fsr-4060	66	27	borrow	borrow	VERB
fsr-4060	66	28	.	.	PUNCT
fsr-4060	67	1	the	the	DET
fsr-4060	67	2	authors	author	NOUN
fsr-4060	67	3	suggest	suggest	VERB
fsr-4060	67	4	that	that	SCONJ
fsr-4060	67	5	knowledge	knowledge	NOUN
fsr-4060	67	6	about	about	ADP
fsr-4060	67	7	how	how	SCONJ
fsr-4060	67	8	federal	federal	ADJ
fsr-4060	67	9	loans	loan	NOUN
fsr-4060	67	10	work	work	VERB
fsr-4060	67	11	and	and	CCONJ
fsr-4060	67	12	repayment	repayment	NOUN
fsr-4060	67	13	options	option	NOUN
fsr-4060	67	14	after	after	SCONJ
fsr-4060	67	15	college	college	NOUN
fsr-4060	67	16	alters	alter	VERB
fsr-4060	67	17	the	the	DET
fsr-4060	67	18	cost	cost	NOUN
fsr-4060	67	19	-	-	PUNCT
fsr-4060	67	20	benefit	benefit	NOUN
fsr-4060	67	21	analysis	analysis	NOUN
fsr-4060	67	22	and	and	CCONJ
fsr-4060	67	23	makes	make	VERB
fsr-4060	67	24	borrowing	borrow	VERB
fsr-4060	67	25	more	more	ADV
fsr-4060	67	26	acceptable	acceptable	ADJ
fsr-4060	67	27	(	(	PUNCT
fsr-4060	67	28	boatman	boatman	PROPN
fsr-4060	67	29	&	&	CCONJ
fsr-4060	67	30	evans	evans	PROPN
fsr-4060	67	31	,	,	PUNCT
fsr-4060	67	32	2017	2017	NUM
fsr-4060	67	33	)	)	PUNCT
fsr-4060	67	34	.	.	PUNCT
fsr-4060	68	1	several	several	ADJ
fsr-4060	68	2	studies	study	NOUN
fsr-4060	68	3	show	show	VERB
fsr-4060	68	4	clear	clear	ADJ
fsr-4060	68	5	relationships	relationship	NOUN
fsr-4060	68	6	between	between	ADP
fsr-4060	68	7	cost	cost	NOUN
fsr-4060	68	8	and	and	CCONJ
fsr-4060	68	9	willingness	willingness	NOUN
fsr-4060	68	10	to	to	PART
fsr-4060	68	11	borrow	borrow	VERB
fsr-4060	68	12	.	.	PUNCT
fsr-4060	69	1	goldrick	goldrick	NOUN
fsr-4060	69	2	-	-	PUNCT
fsr-4060	69	3	rab	rab	PROPN
fsr-4060	69	4	and	and	CCONJ
fsr-4060	69	5	kelchen	kelchen	PROPN
fsr-4060	69	6	(	(	PUNCT
fsr-4060	69	7	2015	2015	NUM
fsr-4060	69	8	)	)	PUNCT
fsr-4060	69	9	find	find	VERB
fsr-4060	69	10	that	that	SCONJ
fsr-4060	69	11	higher	high	ADJ
fsr-4060	69	12	net	net	ADJ
fsr-4060	69	13	tuition	tuition	NOUN
fsr-4060	69	14	prices	price	NOUN
fsr-4060	69	15	were	be	AUX
fsr-4060	69	16	correlated	correlate	VERB
fsr-4060	69	17	with	with	ADP
fsr-4060	69	18	greater	great	ADJ
fsr-4060	69	19	willingness	willingness	NOUN
fsr-4060	69	20	to	to	PART
fsr-4060	69	21	borrow	borrow	VERB
fsr-4060	69	22	.	.	PUNCT
fsr-4060	70	1	in	in	ADP
fsr-4060	70	2	the	the	DET
fsr-4060	70	3	analysis	analysis	NOUN
fsr-4060	70	4	of	of	ADP
fsr-4060	70	5	ohio	ohio	PROPN
fsr-4060	70	6	state	state	PROPN
fsr-4060	70	7	university	university	PROPN
fsr-4060	70	8	’s	’s	PART
fsr-4060	70	9	internal	internal	ADJ
fsr-4060	70	10	data	data	PROPN
fsr-4060	70	11	,	,	PUNCT
fsr-4060	70	12	hart	hart	PROPN
fsr-4060	70	13	and	and	CCONJ
fsr-4060	70	14	mustafa	mustafa	PROPN
fsr-4060	70	15	(	(	PUNCT
fsr-4060	70	16	2008	2008	NUM
fsr-4060	70	17	)	)	PUNCT
fsr-4060	70	18	find	find	VERB
fsr-4060	70	19	that	that	SCONJ
fsr-4060	70	20	the	the	DET
fsr-4060	70	21	net	net	ADJ
fsr-4060	70	22	cost	cost	NOUN
fsr-4060	70	23	of	of	ADP
fsr-4060	70	24	attendance	attendance	NOUN
fsr-4060	70	25	,	,	PUNCT
fsr-4060	70	26	defined	define	VERB
fsr-4060	70	27	as	as	ADP
fsr-4060	70	28	total	total	ADJ
fsr-4060	70	29	costs	cost	NOUN
fsr-4060	70	30	less	less	ADJ
fsr-4060	70	31	aid	aid	NOUN
fsr-4060	70	32	that	that	PRON
fsr-4060	70	33	does	do	AUX
fsr-4060	70	34	not	not	PART
fsr-4060	70	35	need	need	VERB
fsr-4060	70	36	to	to	PART
fsr-4060	70	37	be	be	AUX
fsr-4060	70	38	repaid	repay	VERB
fsr-4060	70	39	,	,	PUNCT
fsr-4060	70	40	is	be	AUX
fsr-4060	70	41	significantly	significantly	ADV
fsr-4060	70	42	positively	positively	ADV
fsr-4060	70	43	related	relate	VERB
fsr-4060	70	44	to	to	ADP
fsr-4060	70	45	student	student	NOUN
fsr-4060	70	46	loan	loan	NOUN
fsr-4060	70	47	amounts	amount	NOUN
fsr-4060	70	48	.	.	PUNCT
fsr-4060	71	1	furthermore	furthermore	ADV
fsr-4060	71	2	,	,	PUNCT
fsr-4060	71	3	they	they	PRON
fsr-4060	71	4	find	find	VERB
fsr-4060	71	5	that	that	SCONJ
fsr-4060	71	6	higher	high	ADJ
fsr-4060	71	7	loan	loan	NOUN
fsr-4060	71	8	limits	limit	NOUN
fsr-4060	71	9	,	,	PUNCT
fsr-4060	71	10	while	while	SCONJ
fsr-4060	71	11	not	not	PART
fsr-4060	71	12	affecting	affect	VERB
fsr-4060	71	13	low	low	ADJ
fsr-4060	71	14	-	-	PUNCT
fsr-4060	71	15	income	income	NOUN
fsr-4060	71	16	borrowers	borrower	NOUN
fsr-4060	71	17	,	,	PUNCT
fsr-4060	71	18	positively	positively	ADV
fsr-4060	71	19	affect	affect	VERB
fsr-4060	71	20	the	the	DET
fsr-4060	71	21	amount	amount	NOUN
fsr-4060	71	22	that	that	PRON
fsr-4060	71	23	middleand	middleand	NOUN
fsr-4060	71	24	upper	upper	ADJ
fsr-4060	71	25	-	-	PUNCT
fsr-4060	71	26	income	income	NOUN
fsr-4060	71	27	students	student	NOUN
fsr-4060	71	28	borrowed	borrow	VERB
fsr-4060	71	29	.	.	PUNCT
fsr-4060	72	1	research	research	NOUN
fsr-4060	72	2	has	have	AUX
fsr-4060	72	3	also	also	ADV
fsr-4060	72	4	consistently	consistently	ADV
fsr-4060	72	5	shown	show	VERB
fsr-4060	72	6	that	that	SCONJ
fsr-4060	72	7	those	those	PRON
fsr-4060	72	8	who	who	PRON
fsr-4060	72	9	expect	expect	VERB
fsr-4060	72	10	higher	high	ADJ
fsr-4060	72	11	wages	wage	NOUN
fsr-4060	72	12	are	be	AUX
fsr-4060	72	13	more	more	ADV
fsr-4060	72	14	willing	willing	ADJ
fsr-4060	72	15	to	to	PART
fsr-4060	72	16	borrow	borrow	VERB
fsr-4060	72	17	.	.	PUNCT
fsr-4060	73	1	cha	cha	PROPN
fsr-4060	73	2	and	and	CCONJ
fsr-4060	73	3	weagley	weagley	ADV
fsr-4060	73	4	(	(	PUNCT
fsr-4060	73	5	2002	2002	NUM
fsr-4060	73	6	)	)	PUNCT
fsr-4060	73	7	find	find	VERB
fsr-4060	73	8	that	that	SCONJ
fsr-4060	73	9	higher	high	ADJ
fsr-4060	73	10	expected	expect	VERB
fsr-4060	73	11	post	post	ADJ
fsr-4060	73	12	-	-	ADJ
fsr-4060	73	13	graduation	graduation	ADJ
fsr-4060	73	14	wages	wage	NOUN
fsr-4060	73	15	are	be	AUX
fsr-4060	73	16	related	relate	VERB
fsr-4060	73	17	to	to	ADP
fsr-4060	73	18	higher	high	ADJ
fsr-4060	73	19	amounts	amount	NOUN
fsr-4060	73	20	of	of	ADP
fsr-4060	73	21	student	student	NOUN
fsr-4060	73	22	loan	loan	NOUN
fsr-4060	73	23	debt	debt	NOUN
fsr-4060	73	24	.	.	PUNCT
fsr-4060	74	1	goldrickrab	goldrickrab	NOUN
fsr-4060	74	2	and	and	CCONJ
fsr-4060	74	3	kelchen	kelchen	PROPN
fsr-4060	74	4	(	(	PUNCT
fsr-4060	74	5	2015	2015	NUM
fsr-4060	74	6	)	)	PUNCT
fsr-4060	74	7	find	find	VERB
fsr-4060	74	8	that	that	SCONJ
fsr-4060	74	9	higher	high	ADJ
fsr-4060	74	10	achieving	achieve	VERB
fsr-4060	74	11	students	student	NOUN
fsr-4060	74	12	and	and	CCONJ
fsr-4060	74	13	those	those	PRON
fsr-4060	74	14	with	with	ADP
fsr-4060	74	15	higher	high	ADJ
fsr-4060	74	16	expected	expect	VERB
fsr-4060	74	17	earnings	earning	NOUN
fsr-4060	74	18	in	in	ADP
fsr-4060	74	19	the	the	DET
fsr-4060	74	20	future	future	NOUN
fsr-4060	74	21	are	be	AUX
fsr-4060	74	22	more	more	ADV
fsr-4060	74	23	likely	likely	ADJ
fsr-4060	74	24	to	to	PART
fsr-4060	74	25	borrow	borrow	VERB
fsr-4060	74	26	.	.	PUNCT
fsr-4060	75	1	this	this	PRON
fsr-4060	75	2	is	be	AUX
fsr-4060	75	3	potentially	potentially	ADV
fsr-4060	75	4	an	an	DET
fsr-4060	75	5	important	important	ADJ
fsr-4060	75	6	concern	concern	NOUN
fsr-4060	75	7	for	for	ADP
fsr-4060	75	8	policymakers	policymaker	NOUN
fsr-4060	75	9	because	because	SCONJ
fsr-4060	75	10	previous	previous	ADJ
fsr-4060	75	11	research	research	NOUN
fsr-4060	75	12	reports	report	VERB
fsr-4060	75	13	that	that	SCONJ
fsr-4060	75	14	earnings	earning	NOUN
fsr-4060	75	15	expectations	expectation	NOUN
fsr-4060	75	16	are	be	AUX
fsr-4060	75	17	heavily	heavily	ADV
fsr-4060	75	18	influenced	influence	VERB
fsr-4060	75	19	by	by	ADP
fsr-4060	75	20	ses	se	NOUN
fsr-4060	75	21	background	background	NOUN
fsr-4060	75	22	of	of	ADP
fsr-4060	75	23	individuals	individual	NOUN
fsr-4060	75	24	.	.	PUNCT
fsr-4060	76	1	low	low	ADJ
fsr-4060	76	2	-	-	PUNCT
fsr-4060	76	3	ses	se	NOUN
fsr-4060	76	4	students	student	NOUN
fsr-4060	76	5	had	have	VERB
fsr-4060	76	6	substantially	substantially	ADV
fsr-4060	76	7	lower	low	ADJ
fsr-4060	76	8	earnings	earning	NOUN
fsr-4060	76	9	expectations	expectation	NOUN
fsr-4060	76	10	,	,	PUNCT
fsr-4060	76	11	which	which	PRON
fsr-4060	76	12	may	may	AUX
fsr-4060	76	13	indicate	indicate	VERB
fsr-4060	76	14	that	that	SCONJ
fsr-4060	76	15	these	these	DET
fsr-4060	76	16	students	student	NOUN
fsr-4060	76	17	anticipated	anticipate	VERB
fsr-4060	76	18	labor	labor	NOUN
fsr-4060	76	19	market	market	NOUN
fsr-4060	76	20	discrimination	discrimination	NOUN
fsr-4060	76	21	or	or	CCONJ
fsr-4060	76	22	were	be	AUX
fsr-4060	76	23	otherwise	otherwise	ADV
fsr-4060	76	24	systematically	systematically	ADV
fsr-4060	76	25	underestimating	underestimate	VERB
fsr-4060	76	26	the	the	DET
fsr-4060	76	27	returns	return	NOUN
fsr-4060	76	28	to	to	ADP
fsr-4060	76	29	education	education	NOUN
fsr-4060	76	30	(	(	PUNCT
fsr-4060	76	31	delaney	delaney	NOUN
fsr-4060	76	32	et	et	PROPN
fsr-4060	76	33	al	al	PROPN
fsr-4060	76	34	.	.	PROPN
fsr-4060	76	35	,	,	PUNCT
fsr-4060	76	36	2011	2011	NUM
fsr-4060	76	37	)	)	PUNCT
fsr-4060	76	38	.	.	PUNCT
fsr-4060	77	1	while	while	SCONJ
fsr-4060	77	2	the	the	DET
fsr-4060	77	3	research	research	NOUN
fsr-4060	77	4	literature	literature	NOUN
fsr-4060	77	5	shows	show	VERB
fsr-4060	77	6	evidence	evidence	NOUN
fsr-4060	77	7	that	that	SCONJ
fsr-4060	77	8	students	student	NOUN
fsr-4060	77	9	generally	generally	ADV
fsr-4060	77	10	make	make	VERB
fsr-4060	77	11	borrowing	borrowing	NOUN
fsr-4060	77	12	decisions	decision	NOUN
fsr-4060	77	13	based	base	VERB
fsr-4060	77	14	on	on	ADP
fsr-4060	77	15	the	the	DET
fsr-4060	77	16	costs	cost	NOUN
fsr-4060	77	17	and	and	CCONJ
fsr-4060	77	18	benefits	benefit	NOUN
fsr-4060	77	19	of	of	ADP
fsr-4060	77	20	higher	high	ADJ
fsr-4060	77	21	education	education	NOUN
fsr-4060	77	22	,	,	PUNCT
fsr-4060	77	23	there	there	PRON
fsr-4060	77	24	is	be	VERB
fsr-4060	77	25	concern	concern	NOUN
fsr-4060	77	26	that	that	SCONJ
fsr-4060	77	27	students	student	NOUN
fsr-4060	77	28	are	be	AUX
fsr-4060	77	29	borrowing	borrow	VERB
fsr-4060	77	30	too	too	ADV
fsr-4060	77	31	much	much	ADV
fsr-4060	77	32	.	.	PUNCT
fsr-4060	78	1	avery	avery	PROPN
fsr-4060	78	2	and	and	CCONJ
fsr-4060	78	3	turner	turner	PROPN
fsr-4060	78	4	(	(	PUNCT
fsr-4060	78	5	2012	2012	NUM
fsr-4060	78	6	)	)	PUNCT
fsr-4060	78	7	examine	examine	VERB
fsr-4060	78	8	this	this	DET
fsr-4060	78	9	concern	concern	NOUN
fsr-4060	78	10	and	and	CCONJ
fsr-4060	78	11	report	report	NOUN
fsr-4060	78	12	that	that	SCONJ
fsr-4060	78	13	students	student	NOUN
fsr-4060	78	14	were	be	AUX
fsr-4060	78	15	not	not	PART
fsr-4060	78	16	borrowing	borrow	VERB
fsr-4060	78	17	excessively	excessively	ADV
fsr-4060	78	18	and	and	CCONJ
fsr-4060	78	19	suggest	suggest	VERB
fsr-4060	78	20	that	that	SCONJ
fsr-4060	78	21	people	people	NOUN
fsr-4060	78	22	may	may	AUX
fsr-4060	78	23	be	be	AUX
fsr-4060	78	24	displaying	display	VERB
fsr-4060	78	25	a	a	DET
fsr-4060	78	26	form	form	NOUN
fsr-4060	78	27	of	of	ADP
fsr-4060	78	28	cognitive	cognitive	ADJ
fsr-4060	78	29	bias	bias	NOUN
fsr-4060	78	30	when	when	SCONJ
fsr-4060	78	31	they	they	PRON
fsr-4060	78	32	put	put	VERB
fsr-4060	78	33	more	more	ADJ
fsr-4060	78	34	weight	weight	NOUN
fsr-4060	78	35	on	on	ADP
fsr-4060	78	36	extreme	extreme	ADJ
fsr-4060	78	37	cases	case	NOUN
fsr-4060	78	38	than	than	ADP
fsr-4060	78	39	paying	pay	VERB
fsr-4060	78	40	attention	attention	NOUN
fsr-4060	78	41	to	to	ADP
fsr-4060	78	42	the	the	DET
fsr-4060	78	43	average	average	ADJ
fsr-4060	78	44	student	student	NOUN
fsr-4060	78	45	.	.	PUNCT
fsr-4060	79	1	people	people	NOUN
fsr-4060	79	2	tend	tend	VERB
fsr-4060	79	3	to	to	PART
fsr-4060	79	4	pay	pay	VERB
fsr-4060	79	5	attention	attention	NOUN
fsr-4060	79	6	to	to	ADP
fsr-4060	79	7	vivid	vivid	ADJ
fsr-4060	79	8	or	or	CCONJ
fsr-4060	79	9	extreme	extreme	ADJ
fsr-4060	79	10	cases	case	NOUN
fsr-4060	79	11	and	and	CCONJ
fsr-4060	79	12	extrapolate	extrapolate	VERB
fsr-4060	79	13	those	those	PRON
fsr-4060	79	14	to	to	ADP
fsr-4060	79	15	the	the	DET
fsr-4060	79	16	general	general	ADJ
fsr-4060	79	17	population	population	NOUN
fsr-4060	79	18	.	.	PUNCT
fsr-4060	80	1	there	there	PRON
fsr-4060	80	2	is	be	VERB
fsr-4060	80	3	,	,	PUNCT
fsr-4060	80	4	of	of	ADP
fsr-4060	80	5	course	course	NOUN
fsr-4060	80	6	,	,	PUNCT
fsr-4060	80	7	evidence	evidence	NOUN
fsr-4060	80	8	that	that	PRON
fsr-4060	80	9	suggests	suggest	VERB
fsr-4060	80	10	some	some	DET
fsr-4060	80	11	students	student	NOUN
fsr-4060	80	12	experience	experience	VERB
fsr-4060	80	13	financial	financial	ADJ
fsr-4060	80	14	distress	distress	NOUN
fsr-4060	80	15	due	due	ADP
fsr-4060	80	16	to	to	ADP
fsr-4060	80	17	their	their	PRON
fsr-4060	80	18	student	student	NOUN
fsr-4060	80	19	debt	debt	NOUN
fsr-4060	80	20	(	(	PUNCT
fsr-4060	80	21	despard	despard	ADV
fsr-4060	80	22	et	et	PROPN
fsr-4060	80	23	al	al	PROPN
fsr-4060	80	24	.	.	PROPN
fsr-4060	80	25	,	,	PUNCT
fsr-4060	80	26	2016	2016	NUM
fsr-4060	80	27	;	;	PUNCT
fsr-4060	80	28	heckman	heckman	PROPN
fsr-4060	80	29	et	et	PROPN
fsr-4060	80	30	al	al	PROPN
fsr-4060	80	31	.	.	PROPN
fsr-4060	80	32	,	,	PUNCT
fsr-4060	80	33	2014	2014	NUM
fsr-4060	80	34	;	;	PUNCT
fsr-4060	80	35	martin	martin	PROPN
fsr-4060	80	36	&	&	CCONJ
fsr-4060	80	37	dwyer	dwyer	PROPN
fsr-4060	80	38	,	,	PUNCT
fsr-4060	80	39	2021	2021	NUM
fsr-4060	80	40	;	;	PUNCT
fsr-4060	80	41	mckinnery	mckinnery	NOUN
fsr-4060	80	42	&	&	CCONJ
fsr-4060	80	43	burridge	burridge	PROPN
fsr-4060	80	44	,	,	PUNCT
fsr-4060	80	45	2015	2015	NUM
fsr-4060	80	46	)	)	PUNCT
fsr-4060	80	47	.	.	PUNCT
fsr-4060	81	1	individuals	individual	NOUN
fsr-4060	81	2	with	with	ADP
fsr-4060	81	3	student	student	NOUN
fsr-4060	81	4	loans	loan	NOUN
fsr-4060	81	5	experience	experience	VERB
fsr-4060	81	6	higher	high	ADJ
fsr-4060	81	7	likelihoods	likelihood	NOUN
fsr-4060	81	8	of	of	ADP
fsr-4060	81	9	material	material	NOUN
fsr-4060	81	10	hardships	hardship	NOUN
fsr-4060	81	11	such	such	ADJ
fsr-4060	81	12	as	as	ADP
fsr-4060	81	13	trouble	trouble	NOUN
fsr-4060	81	14	meeting	meet	VERB
fsr-4060	81	15	basic	basic	ADJ
fsr-4060	81	16	needs	need	NOUN
fsr-4060	81	17	such	such	ADJ
fsr-4060	81	18	as	as	ADP
fsr-4060	81	19	food	food	NOUN
fsr-4060	81	20	,	,	PUNCT
fsr-4060	81	21	medical	medical	ADJ
fsr-4060	81	22	care	care	NOUN
fsr-4060	81	23	,	,	PUNCT
fsr-4060	81	24	and	and	CCONJ
fsr-4060	81	25	shelter	shelter	NOUN
fsr-4060	81	26	(	(	PUNCT
fsr-4060	81	27	despard	despard	ADJ
fsr-4060	81	28	et	et	PROPN
fsr-4060	81	29	al	al	PROPN
fsr-4060	81	30	.	.	PROPN
fsr-4060	81	31	,	,	PUNCT
fsr-4060	81	32	2016	2016	NUM
fsr-4060	81	33	)	)	PUNCT
fsr-4060	81	34	.	.	PUNCT
fsr-4060	82	1	heckman	heckman	PROPN
fsr-4060	82	2	et	et	PROPN
fsr-4060	82	3	al	al	PROPN
fsr-4060	82	4	.	.	PROPN
fsr-4060	82	5	(	(	PUNCT
fsr-4060	82	6	2014	2014	NUM
fsr-4060	82	7	)	)	PUNCT
fsr-4060	82	8	finds	find	VERB
fsr-4060	82	9	that	that	SCONJ
fsr-4060	82	10	any	any	DET
fsr-4060	82	11	debt	debt	NOUN
fsr-4060	82	12	,	,	PUNCT
fsr-4060	82	13	including	include	VERB
fsr-4060	82	14	but	but	CCONJ
fsr-4060	82	15	not	not	PART
fsr-4060	82	16	exclusive	exclusive	ADJ
fsr-4060	82	17	to	to	PART
fsr-4060	82	18	student	student	NOUN
fsr-4060	82	19	loans	loan	NOUN
fsr-4060	82	20	,	,	PUNCT
fsr-4060	82	21	is	be	AUX
fsr-4060	82	22	positively	positively	ADV
fsr-4060	82	23	associated	associate	VERB
fsr-4060	82	24	with	with	ADP
fsr-4060	82	25	financial	financial	ADJ
fsr-4060	82	26	stress	stress	NOUN
fsr-4060	82	27	among	among	ADP
fsr-4060	82	28	college	college	NOUN
fsr-4060	82	29	students	student	NOUN
fsr-4060	82	30	.	.	PUNCT
fsr-4060	83	1	mckinnery	mckinnery	NOUN
fsr-4060	83	2	and	and	CCONJ
fsr-4060	83	3	burridge	burridge	PROPN
fsr-4060	83	4	(	(	PUNCT
fsr-4060	83	5	2015	2015	NUM
fsr-4060	83	6	)	)	PUNCT
fsr-4060	83	7	report	report	NOUN
fsr-4060	83	8	that	that	SCONJ
fsr-4060	83	9	community	community	NOUN
fsr-4060	83	10	college	college	NOUN
fsr-4060	83	11	students	student	NOUN
fsr-4060	83	12	with	with	ADP
fsr-4060	83	13	loans	loan	NOUN
fsr-4060	83	14	are	be	AUX
fsr-4060	83	15	more	more	ADJ
fsr-4060	83	16	than	than	ADP
fsr-4060	83	17	twice	twice	ADV
fsr-4060	83	18	as	as	ADV
fsr-4060	83	19	likely	likely	ADJ
fsr-4060	83	20	to	to	PART
fsr-4060	83	21	drop	drop	VERB
fsr-4060	83	22	out	out	ADP
fsr-4060	83	23	as	as	ADP
fsr-4060	83	24	non	non	NOUN
fsr-4060	83	25	-	-	NOUN
fsr-4060	83	26	borrowers	borrower	NOUN
fsr-4060	83	27	.	.	PUNCT
fsr-4060	84	1	the	the	DET
fsr-4060	84	2	effects	effect	NOUN
fsr-4060	84	3	of	of	ADP
fsr-4060	84	4	debt	debt	NOUN
fsr-4060	84	5	and	and	CCONJ
fsr-4060	84	6	stress	stress	NOUN
fsr-4060	84	7	have	have	AUX
fsr-4060	84	8	been	be	AUX
fsr-4060	84	9	found	find	VERB
fsr-4060	84	10	to	to	PART
fsr-4060	84	11	be	be	AUX
fsr-4060	84	12	more	more	ADV
fsr-4060	84	13	significant	significant	ADJ
fsr-4060	84	14	among	among	ADP
fsr-4060	84	15	black	black	ADJ
fsr-4060	84	16	and	and	CCONJ
fsr-4060	84	17	hispanic	hispanic	ADJ
fsr-4060	84	18	students	student	NOUN
fsr-4060	84	19	(	(	PUNCT
fsr-4060	84	20	martin	martin	PROPN
fsr-4060	84	21	&	&	CCONJ
fsr-4060	84	22	financial	financial	PROPN
fsr-4060	84	23	services	services	PROPN
fsr-4060	84	24	review	review	PROPN
fsr-4060	84	25	,	,	PUNCT
fsr-4060	84	26	33(2	33(2	NUM
fsr-4060	84	27	)	)	PUNCT
fsr-4060	84	28	78	78	NUM
fsr-4060	84	29	dwyer	dwyer	NOUN
fsr-4060	84	30	,	,	PUNCT
fsr-4060	84	31	2021	2021	NUM
fsr-4060	84	32	)	)	PUNCT
fsr-4060	84	33	.	.	PUNCT
fsr-4060	85	1	although	although	SCONJ
fsr-4060	85	2	some	some	DET
fsr-4060	85	3	literature	literature	NOUN
fsr-4060	85	4	suggests	suggest	VERB
fsr-4060	85	5	that	that	SCONJ
fsr-4060	85	6	students	student	NOUN
fsr-4060	85	7	are	be	AUX
fsr-4060	85	8	not	not	PART
fsr-4060	85	9	systematically	systematically	ADV
fsr-4060	85	10	overborrowing	overborrowe	VERB
fsr-4060	85	11	and	and	CCONJ
fsr-4060	85	12	that	that	DET
fsr-4060	85	13	borrowing	borrowing	NOUN
fsr-4060	85	14	generally	generally	ADV
fsr-4060	85	15	seems	seem	VERB
fsr-4060	85	16	to	to	PART
fsr-4060	85	17	correspond	correspond	VERB
fsr-4060	85	18	to	to	ADP
fsr-4060	85	19	costs	cost	NOUN
fsr-4060	85	20	and	and	CCONJ
fsr-4060	85	21	benefits	benefit	NOUN
fsr-4060	85	22	of	of	ADP
fsr-4060	85	23	higher	high	ADJ
fsr-4060	85	24	education	education	NOUN
fsr-4060	85	25	,	,	PUNCT
fsr-4060	85	26	there	there	PRON
fsr-4060	85	27	is	be	VERB
fsr-4060	85	28	evidence	evidence	NOUN
fsr-4060	85	29	to	to	PART
fsr-4060	85	30	show	show	VERB
fsr-4060	85	31	that	that	SCONJ
fsr-4060	85	32	borrowing	borrowing	NOUN
fsr-4060	85	33	decisions	decision	NOUN
fsr-4060	85	34	are	be	AUX
fsr-4060	85	35	associated	associate	VERB
fsr-4060	85	36	with	with	ADP
fsr-4060	85	37	financial	financial	ADJ
fsr-4060	85	38	distress	distress	NOUN
fsr-4060	85	39	.	.	PUNCT
fsr-4060	86	1	gap	gap	NOUN
fsr-4060	86	2	as	as	SCONJ
fsr-4060	86	3	discussed	discuss	VERB
fsr-4060	86	4	above	above	ADV
fsr-4060	86	5	,	,	PUNCT
fsr-4060	86	6	previous	previous	ADJ
fsr-4060	86	7	researchers	researcher	NOUN
fsr-4060	86	8	were	be	AUX
fsr-4060	86	9	interested	interested	ADJ
fsr-4060	86	10	in	in	ADP
fsr-4060	86	11	factors	factor	NOUN
fsr-4060	86	12	related	relate	VERB
fsr-4060	86	13	to	to	ADP
fsr-4060	86	14	borrowing	borrowing	NOUN
fsr-4060	86	15	decisions	decision	NOUN
fsr-4060	86	16	,	,	PUNCT
fsr-4060	86	17	focusing	focus	VERB
fsr-4060	86	18	on	on	ADP
fsr-4060	86	19	explaining	explain	VERB
fsr-4060	86	20	which	which	PRON
fsr-4060	86	21	individuals	individual	NOUN
fsr-4060	86	22	borrow	borrow	VERB
fsr-4060	86	23	or	or	CCONJ
fsr-4060	86	24	not	not	PART
fsr-4060	86	25	or	or	CCONJ
fsr-4060	86	26	which	which	PRON
fsr-4060	86	27	individuals	individual	NOUN
fsr-4060	86	28	borrow	borrow	VERB
fsr-4060	86	29	too	too	ADV
fsr-4060	86	30	little	little	ADJ
fsr-4060	86	31	or	or	CCONJ
fsr-4060	86	32	too	too	ADV
fsr-4060	86	33	much	much	ADJ
fsr-4060	86	34	.	.	PUNCT
fsr-4060	87	1	while	while	SCONJ
fsr-4060	87	2	the	the	DET
fsr-4060	87	3	current	current	ADJ
fsr-4060	87	4	study	study	NOUN
fsr-4060	87	5	is	be	AUX
fsr-4060	87	6	still	still	ADV
fsr-4060	87	7	interested	interested	ADJ
fsr-4060	87	8	in	in	ADP
fsr-4060	87	9	factors	factor	NOUN
fsr-4060	87	10	related	relate	VERB
fsr-4060	87	11	to	to	ADP
fsr-4060	87	12	borrowing	borrow	VERB
fsr-4060	87	13	,	,	PUNCT
fsr-4060	87	14	we	we	PRON
fsr-4060	87	15	further	further	VERB
fsr-4060	87	16	the	the	DET
fsr-4060	87	17	literature	literature	NOUN
fsr-4060	87	18	by	by	ADP
fsr-4060	87	19	utilizing	utilize	VERB
fsr-4060	87	20	a	a	DET
fsr-4060	87	21	national	national	ADJ
fsr-4060	87	22	dataset	dataset	NOUN
fsr-4060	87	23	with	with	ADP
fsr-4060	87	24	unique	unique	ADJ
fsr-4060	87	25	data	datum	NOUN
fsr-4060	87	26	to	to	PART
fsr-4060	87	27	examine	examine	VERB
fsr-4060	87	28	responses	response	NOUN
fsr-4060	87	29	to	to	ADP
fsr-4060	87	30	a	a	DET
fsr-4060	87	31	hypothetical	hypothetical	ADJ
fsr-4060	87	32	question	question	NOUN
fsr-4060	87	33	about	about	ADP
fsr-4060	87	34	the	the	DET
fsr-4060	87	35	amount	amount	NOUN
fsr-4060	87	36	students	student	NOUN
fsr-4060	87	37	are	be	AUX
fsr-4060	87	38	willing	willing	ADJ
fsr-4060	87	39	to	to	PART
fsr-4060	87	40	personally	personally	ADV
fsr-4060	87	41	borrow	borrow	VERB
fsr-4060	87	42	to	to	PART
fsr-4060	87	43	pay	pay	VERB
fsr-4060	87	44	for	for	ADP
fsr-4060	87	45	their	their	PRON
fsr-4060	87	46	degree	degree	NOUN
fsr-4060	87	47	.	.	PUNCT
fsr-4060	88	1	this	this	DET
fsr-4060	88	2	hypothetical	hypothetical	ADJ
fsr-4060	88	3	question	question	NOUN
fsr-4060	88	4	could	could	AUX
fsr-4060	88	5	give	give	VERB
fsr-4060	88	6	us	we	PRON
fsr-4060	88	7	insight	insight	NOUN
fsr-4060	88	8	into	into	ADP
fsr-4060	88	9	students	student	NOUN
fsr-4060	88	10	’	'	PUNCT
fsr-4060	88	11	thought	think	VERB
fsr-4060	88	12	processes	process	NOUN
fsr-4060	88	13	and	and	CCONJ
fsr-4060	88	14	valuation	valuation	NOUN
fsr-4060	88	15	of	of	ADP
fsr-4060	88	16	a	a	DET
fsr-4060	88	17	college	college	NOUN
fsr-4060	88	18	degree	degree	NOUN
fsr-4060	88	19	.	.	PUNCT
fsr-4060	89	1	to	to	ADP
fsr-4060	89	2	our	our	PRON
fsr-4060	89	3	knowledge	knowledge	NOUN
fsr-4060	89	4	,	,	PUNCT
fsr-4060	89	5	there	there	PRON
fsr-4060	89	6	are	be	VERB
fsr-4060	89	7	currently	currently	ADV
fsr-4060	89	8	no	no	DET
fsr-4060	89	9	studies	study	NOUN
fsr-4060	89	10	that	that	PRON
fsr-4060	89	11	ask	ask	VERB
fsr-4060	89	12	students	student	NOUN
fsr-4060	89	13	directly	directly	ADV
fsr-4060	89	14	for	for	ADP
fsr-4060	89	15	the	the	DET
fsr-4060	89	16	dollar	dollar	NOUN
fsr-4060	89	17	amount	amount	NOUN
fsr-4060	89	18	of	of	ADP
fsr-4060	89	19	student	student	NOUN
fsr-4060	89	20	loan	loan	NOUN
fsr-4060	89	21	debt	debt	NOUN
fsr-4060	89	22	that	that	PRON
fsr-4060	89	23	they	they	PRON
fsr-4060	89	24	would	would	AUX
fsr-4060	89	25	be	be	AUX
fsr-4060	89	26	personally	personally	ADV
fsr-4060	89	27	willing	willing	ADJ
fsr-4060	89	28	to	to	PART
fsr-4060	89	29	accumulate	accumulate	VERB
fsr-4060	89	30	to	to	PART
fsr-4060	89	31	pay	pay	VERB
fsr-4060	89	32	for	for	ADP
fsr-4060	89	33	their	their	PRON
fsr-4060	89	34	college	college	NOUN
fsr-4060	89	35	degree	degree	NOUN
fsr-4060	89	36	.	.	PUNCT
fsr-4060	90	1	the	the	DET
fsr-4060	90	2	current	current	ADJ
fsr-4060	90	3	literature	literature	NOUN
fsr-4060	90	4	is	be	AUX
fsr-4060	90	5	primarily	primarily	ADV
fsr-4060	90	6	based	base	VERB
fsr-4060	90	7	on	on	ADP
fsr-4060	90	8	actual	actual	ADJ
fsr-4060	90	9	student	student	NOUN
fsr-4060	90	10	loan	loan	NOUN
fsr-4060	90	11	borrowing	borrowing	NOUN
fsr-4060	90	12	behavior	behavior	NOUN
fsr-4060	90	13	or	or	CCONJ
fsr-4060	90	14	hypothetical	hypothetical	ADJ
fsr-4060	90	15	questions	question	NOUN
fsr-4060	90	16	about	about	ADP
fsr-4060	90	17	general	general	ADJ
fsr-4060	90	18	loans	loan	NOUN
fsr-4060	90	19	or	or	CCONJ
fsr-4060	90	20	debt	debt	NOUN
fsr-4060	90	21	.	.	PUNCT
fsr-4060	91	1	therefore	therefore	ADV
fsr-4060	91	2	,	,	PUNCT
fsr-4060	91	3	this	this	DET
fsr-4060	91	4	study	study	NOUN
fsr-4060	91	5	aims	aim	VERB
fsr-4060	91	6	to	to	PART
fsr-4060	91	7	contribute	contribute	VERB
fsr-4060	91	8	to	to	ADP
fsr-4060	91	9	the	the	DET
fsr-4060	91	10	growing	grow	VERB
fsr-4060	91	11	body	body	NOUN
fsr-4060	91	12	of	of	ADP
fsr-4060	91	13	research	research	NOUN
fsr-4060	91	14	by	by	ADP
fsr-4060	91	15	studying	study	VERB
fsr-4060	91	16	student	student	NOUN
fsr-4060	91	17	willingness	willingness	NOUN
fsr-4060	91	18	to	to	PART
fsr-4060	91	19	borrow	borrow	VERB
fsr-4060	91	20	.	.	PUNCT
fsr-4060	92	1	theoretical	theoretical	ADJ
fsr-4060	92	2	framework	framework	NOUN
fsr-4060	92	3	the	the	DET
fsr-4060	92	4	theoretical	theoretical	ADJ
fsr-4060	92	5	foundation	foundation	NOUN
fsr-4060	92	6	of	of	ADP
fsr-4060	92	7	this	this	DET
fsr-4060	92	8	study	study	NOUN
fsr-4060	92	9	comes	come	VERB
fsr-4060	92	10	from	from	ADP
fsr-4060	92	11	the	the	DET
fsr-4060	92	12	economics	economic	NOUN
fsr-4060	92	13	of	of	ADP
fsr-4060	92	14	education	education	NOUN
fsr-4060	92	15	and	and	CCONJ
fsr-4060	92	16	human	human	ADJ
fsr-4060	92	17	capital	capital	NOUN
fsr-4060	92	18	theory	theory	NOUN
fsr-4060	92	19	.	.	PUNCT
fsr-4060	93	1	human	human	ADJ
fsr-4060	93	2	capital	capital	PROPN
fsr-4060	93	3	theory	theory	NOUN
fsr-4060	93	4	in	in	ADP
fsr-4060	93	5	the	the	DET
fsr-4060	93	6	context	context	NOUN
fsr-4060	93	7	of	of	ADP
fsr-4060	93	8	education	education	NOUN
fsr-4060	93	9	was	be	AUX
fsr-4060	93	10	first	first	ADV
fsr-4060	93	11	introduced	introduce	VERB
fsr-4060	93	12	by	by	ADP
fsr-4060	93	13	becker	becker	PROPN
fsr-4060	93	14	(	(	PUNCT
fsr-4060	93	15	1964	1964	NUM
fsr-4060	93	16	)	)	PUNCT
fsr-4060	93	17	and	and	CCONJ
fsr-4060	93	18	examines	examine	VERB
fsr-4060	93	19	the	the	DET
fsr-4060	93	20	relationship	relationship	NOUN
fsr-4060	93	21	between	between	ADP
fsr-4060	93	22	investment	investment	NOUN
fsr-4060	93	23	in	in	ADP
fsr-4060	93	24	education	education	NOUN
fsr-4060	93	25	and	and	CCONJ
fsr-4060	93	26	training	training	NOUN
fsr-4060	93	27	(	(	PUNCT
fsr-4060	93	28	i.e.	i.e.	X
fsr-4060	93	29	,	,	PUNCT
fsr-4060	93	30	human	human	ADJ
fsr-4060	93	31	capital	capital	NOUN
fsr-4060	93	32	)	)	PUNCT
fsr-4060	93	33	and	and	CCONJ
fsr-4060	93	34	lifetime	lifetime	NOUN
fsr-4060	93	35	earnings	earning	NOUN
fsr-4060	93	36	.	.	PUNCT
fsr-4060	94	1	following	follow	VERB
fsr-4060	94	2	human	human	ADJ
fsr-4060	94	3	capital	capital	NOUN
fsr-4060	94	4	theory	theory	NOUN
fsr-4060	94	5	,	,	PUNCT
fsr-4060	94	6	individuals	individual	NOUN
fsr-4060	94	7	are	be	AUX
fsr-4060	94	8	willing	willing	ADJ
fsr-4060	94	9	to	to	PART
fsr-4060	94	10	invest	invest	VERB
fsr-4060	94	11	in	in	ADP
fsr-4060	94	12	education	education	NOUN
fsr-4060	94	13	in	in	ADP
fsr-4060	94	14	line	line	NOUN
fsr-4060	94	15	with	with	ADP
fsr-4060	94	16	the	the	DET
fsr-4060	94	17	expected	expect	VERB
fsr-4060	94	18	return	return	NOUN
fsr-4060	94	19	on	on	ADP
fsr-4060	94	20	that	that	DET
fsr-4060	94	21	investment	investment	NOUN
fsr-4060	94	22	.	.	PUNCT
fsr-4060	95	1	investments	investment	NOUN
fsr-4060	95	2	in	in	ADP
fsr-4060	95	3	education	education	NOUN
fsr-4060	95	4	include	include	VERB
fsr-4060	95	5	both	both	CCONJ
fsr-4060	95	6	direct	direct	ADJ
fsr-4060	95	7	expenses	expense	NOUN
fsr-4060	95	8	(	(	PUNCT
fsr-4060	95	9	i.e.	i.e.	X
fsr-4060	95	10	,	,	PUNCT
fsr-4060	95	11	cost	cost	NOUN
fsr-4060	95	12	of	of	ADP
fsr-4060	95	13	tuition	tuition	NOUN
fsr-4060	95	14	)	)	PUNCT
fsr-4060	95	15	and	and	CCONJ
fsr-4060	95	16	the	the	DET
fsr-4060	95	17	opportunity	opportunity	NOUN
fsr-4060	95	18	cost	cost	NOUN
fsr-4060	95	19	of	of	ADP
fsr-4060	95	20	foregone	foregone	NOUN
fsr-4060	95	21	earnings	earning	NOUN
fsr-4060	95	22	while	while	SCONJ
fsr-4060	95	23	obtaining	obtain	VERB
fsr-4060	95	24	the	the	DET
fsr-4060	95	25	education	education	NOUN
fsr-4060	95	26	.	.	PUNCT
fsr-4060	96	1	the	the	DET
fsr-4060	96	2	investment	investment	NOUN
fsr-4060	96	3	in	in	ADP
fsr-4060	96	4	education	education	NOUN
fsr-4060	96	5	will	will	AUX
fsr-4060	96	6	then	then	ADV
fsr-4060	96	7	be	be	AUX
fsr-4060	96	8	made	make	VERB
fsr-4060	96	9	by	by	ADP
fsr-4060	96	10	individuals	individual	NOUN
fsr-4060	96	11	who	who	PRON
fsr-4060	96	12	expect	expect	VERB
fsr-4060	96	13	the	the	DET
fsr-4060	96	14	benefits	benefit	NOUN
fsr-4060	96	15	will	will	AUX
fsr-4060	96	16	outweigh	outweigh	VERB
fsr-4060	96	17	the	the	DET
fsr-4060	96	18	costs	cost	NOUN
fsr-4060	96	19	.	.	PUNCT
fsr-4060	97	1	the	the	DET
fsr-4060	97	2	foundation	foundation	NOUN
fsr-4060	97	3	for	for	ADP
fsr-4060	97	4	our	our	PRON
fsr-4060	97	5	analysis	analysis	NOUN
fsr-4060	97	6	is	be	AUX
fsr-4060	97	7	a	a	DET
fsr-4060	97	8	basic	basic	ADJ
fsr-4060	97	9	twoperiod	twoperiod	NOUN
fsr-4060	97	10	human	human	ADJ
fsr-4060	97	11	capital	capital	NOUN
fsr-4060	97	12	model	model	NOUN
fsr-4060	97	13	presented	present	VERB
fsr-4060	97	14	by	by	ADP
fsr-4060	97	15	daniele	daniele	PROPN
fsr-4060	97	16	checchi	checchi	PROPN
fsr-4060	97	17	(	(	PUNCT
fsr-4060	97	18	2006	2006	NUM
fsr-4060	97	19	,	,	PUNCT
fsr-4060	97	20	pp	pp	ADJ
fsr-4060	97	21	.	.	PUNCT
fsr-4060	98	1	20	20	NUM
fsr-4060	98	2	-	-	SYM
fsr-4060	98	3	23	23	NUM
fsr-4060	98	4	)	)	PUNCT
fsr-4060	98	5	as	as	ADP
fsr-4060	98	6	a	a	DET
fsr-4060	98	7	simplification	simplification	NOUN
fsr-4060	98	8	of	of	ADP
fsr-4060	98	9	the	the	DET
fsr-4060	98	10	well	well	ADV
fsr-4060	98	11	-	-	PUNCT
fsr-4060	98	12	known	know	VERB
fsr-4060	98	13	ben	ben	PROPN
fsr-4060	98	14	-	-	PUNCT
fsr-4060	98	15	porath	porath	PROPN
fsr-4060	98	16	(	(	PUNCT
fsr-4060	98	17	1967	1967	NUM
fsr-4060	98	18	)	)	PUNCT
fsr-4060	98	19	model	model	NOUN
fsr-4060	98	20	.	.	PUNCT
fsr-4060	99	1	in	in	ADP
fsr-4060	99	2	his	his	PRON
fsr-4060	99	3	model	model	NOUN
fsr-4060	99	4	,	,	PUNCT
fsr-4060	99	5	the	the	DET
fsr-4060	99	6	optimal	optimal	ADJ
fsr-4060	99	7	fraction	fraction	NOUN
fsr-4060	99	8	of	of	ADP
fsr-4060	99	9	time	time	NOUN
fsr-4060	99	10	that	that	PRON
fsr-4060	99	11	should	should	AUX
fsr-4060	99	12	be	be	AUX
fsr-4060	99	13	devoted	devote	VERB
fsr-4060	99	14	to	to	ADP
fsr-4060	99	15	education	education	NOUN
fsr-4060	99	16	in	in	ADP
fsr-4060	99	17	the	the	DET
fsr-4060	99	18	first	first	ADJ
fsr-4060	99	19	period	period	NOUN
fsr-4060	99	20	(	(	PUNCT
fsr-4060	99	21	t	t	NOUN
fsr-4060	99	22	)	)	PUNCT
fsr-4060	99	23	for	for	ADP
fsr-4060	99	24	individual	individual	ADJ
fsr-4060	99	25	i	i	PROPN
fsr-4060	99	26	,	,	PUNCT
fsr-4060	99	27	denoted	denote	VERB
fsr-4060	99	28	𝑆𝑖𝑡	𝑆𝑖𝑡	PROPN
fsr-4060	99	29	∗	∗	NOUN
fsr-4060	99	30	,	,	PUNCT
fsr-4060	99	31	is	be	AUX
fsr-4060	99	32	a	a	DET
fsr-4060	99	33	function	function	NOUN
fsr-4060	99	34	of	of	ADP
fsr-4060	99	35	ability	ability	NOUN
fsr-4060	99	36	,	,	PUNCT
fsr-4060	99	37	initial	initial	ADJ
fsr-4060	99	38	endowment	endowment	NOUN
fsr-4060	99	39	of	of	ADP
fsr-4060	99	40	human	human	ADJ
fsr-4060	99	41	capital	capital	NOUN
fsr-4060	99	42	,	,	PUNCT
fsr-4060	99	43	earnings	earning	NOUN
fsr-4060	99	44	premium	premium	NOUN
fsr-4060	99	45	,	,	PUNCT
fsr-4060	99	46	discount	discount	NOUN
fsr-4060	99	47	rate	rate	NOUN
fsr-4060	99	48	,	,	PUNCT
fsr-4060	99	49	effort	effort	NOUN
fsr-4060	99	50	,	,	PUNCT
fsr-4060	99	51	and	and	CCONJ
fsr-4060	99	52	the	the	DET
fsr-4060	99	53	direct	direct	ADJ
fsr-4060	99	54	costs	cost	NOUN
fsr-4060	99	55	of	of	ADP
fsr-4060	99	56	schooling	schooling	NOUN
fsr-4060	99	57	.	.	PUNCT
fsr-4060	100	1	because	because	SCONJ
fsr-4060	100	2	it	it	PRON
fsr-4060	100	3	is	be	AUX
fsr-4060	100	4	possible	possible	ADJ
fsr-4060	100	5	for	for	SCONJ
fsr-4060	100	6	the	the	DET
fsr-4060	100	7	direct	direct	ADJ
fsr-4060	100	8	costs	cost	NOUN
fsr-4060	100	9	of	of	ADP
fsr-4060	100	10	the	the	DET
fsr-4060	100	11	optimal	optimal	ADJ
fsr-4060	100	12	amount	amount	NOUN
fsr-4060	100	13	of	of	ADP
fsr-4060	100	14	schooling	schooling	NOUN
fsr-4060	100	15	to	to	PART
fsr-4060	100	16	be	be	AUX
fsr-4060	100	17	greater	great	ADJ
fsr-4060	100	18	than	than	ADP
fsr-4060	100	19	the	the	DET
fsr-4060	100	20	income	income	NOUN
fsr-4060	100	21	available	available	ADJ
fsr-4060	100	22	in	in	ADP
fsr-4060	100	23	the	the	DET
fsr-4060	100	24	first	first	ADJ
fsr-4060	100	25	period	period	NOUN
fsr-4060	100	26	,	,	PUNCT
fsr-4060	100	27	individuals	individual	NOUN
fsr-4060	100	28	may	may	AUX
fsr-4060	100	29	borrow	borrow	VERB
fsr-4060	100	30	in	in	ADP
fsr-4060	100	31	the	the	DET
fsr-4060	100	32	first	first	ADJ
fsr-4060	100	33	period	period	NOUN
fsr-4060	100	34	to	to	PART
fsr-4060	100	35	maximize	maximize	VERB
fsr-4060	100	36	lifetime	lifetime	NOUN
fsr-4060	100	37	utility	utility	NOUN
fsr-4060	100	38	or	or	CCONJ
fsr-4060	100	39	draw	draw	VERB
fsr-4060	100	40	upon	upon	SCONJ
fsr-4060	100	41	other	other	ADJ
fsr-4060	100	42	financial	financial	ADJ
fsr-4060	100	43	resources	resource	NOUN
fsr-4060	100	44	(	(	PUNCT
fsr-4060	100	45	e.g.	e.g.	ADV
fsr-4060	100	46	,	,	PUNCT
fsr-4060	100	47	personal	personal	ADJ
fsr-4060	100	48	or	or	CCONJ
fsr-4060	100	49	family	family	NOUN
fsr-4060	100	50	wealth	wealth	NOUN
fsr-4060	100	51	)	)	PUNCT
fsr-4060	100	52	to	to	PART
fsr-4060	100	53	finance	finance	VERB
fsr-4060	100	54	the	the	DET
fsr-4060	100	55	human	human	ADJ
fsr-4060	100	56	capital	capital	NOUN
fsr-4060	100	57	investment	investment	NOUN
fsr-4060	100	58	.	.	PUNCT
fsr-4060	101	1	given	give	VERB
fsr-4060	101	2	that	that	SCONJ
fsr-4060	101	3	we	we	PRON
fsr-4060	101	4	analyze	analyze	VERB
fsr-4060	101	5	a	a	DET
fsr-4060	101	6	sample	sample	NOUN
fsr-4060	101	7	of	of	ADP
fsr-4060	101	8	college	college	NOUN
fsr-4060	101	9	students	student	NOUN
fsr-4060	101	10	,	,	PUNCT
fsr-4060	101	11	presumably	presumably	ADV
fsr-4060	101	12	there	there	PRON
fsr-4060	101	13	should	should	AUX
fsr-4060	101	14	be	be	AUX
fsr-4060	101	15	no	no	DET
fsr-4060	101	16	individuals	individual	NOUN
fsr-4060	101	17	for	for	ADP
fsr-4060	101	18	which	which	PRON
fsr-4060	101	19	𝑆𝑖𝑡	𝑆𝑖𝑡	PROPN
fsr-4060	101	20	∗	∗	VERB
fsr-4060	101	21	≤	≤	NUM
fsr-4060	101	22	0	0	NUM
fsr-4060	101	23	.	.	PUNCT
fsr-4060	102	1	assuming	assume	VERB
fsr-4060	102	2	that	that	SCONJ
fsr-4060	102	3	𝑆𝑖𝑡	𝑆𝑖𝑡	PROPN
fsr-4060	102	4	∗	∗	NOUN
fsr-4060	102	5	>	>	X
fsr-4060	102	6	0	0	NUM
fsr-4060	102	7	,	,	PUNCT
fsr-4060	102	8	the	the	DET
fsr-4060	102	9	optimal	optimal	ADJ
fsr-4060	102	10	amount	amount	NOUN
fsr-4060	102	11	that	that	PRON
fsr-4060	102	12	individual	individual	ADJ
fsr-4060	102	13	i	i	PRON
fsr-4060	102	14	should	should	AUX
fsr-4060	102	15	be	be	AUX
fsr-4060	102	16	willing	willing	ADJ
fsr-4060	102	17	to	to	PART
fsr-4060	102	18	invest	invest	VERB
fsr-4060	102	19	in	in	ADP
fsr-4060	102	20	the	the	DET
fsr-4060	102	21	first	first	ADJ
fsr-4060	102	22	period	period	NOUN
fsr-4060	102	23	,	,	PUNCT
fsr-4060	102	24	𝑀𝑖𝑡	𝑀𝑖𝑡	PROPN
fsr-4060	102	25	∗	∗	NOUN
fsr-4060	102	26	,	,	PUNCT
fsr-4060	102	27	is	be	AUX
fsr-4060	102	28	equal	equal	ADJ
fsr-4060	102	29	to	to	ADP
fsr-4060	102	30	the	the	DET
fsr-4060	102	31	direct	direct	ADJ
fsr-4060	102	32	cost	cost	NOUN
fsr-4060	102	33	of	of	ADP
fsr-4060	102	34	education	education	NOUN
fsr-4060	102	35	(	(	PUNCT
fsr-4060	102	36	𝛾	𝛾	NOUN
fsr-4060	102	37	)	)	PUNCT
fsr-4060	102	38	multiplied	multiply	VERB
fsr-4060	102	39	by	by	ADP
fsr-4060	102	40	the	the	DET
fsr-4060	102	41	optimal	optimal	ADJ
fsr-4060	102	42	amount	amount	NOUN
fsr-4060	102	43	of	of	ADP
fsr-4060	102	44	time	time	NOUN
fsr-4060	102	45	for	for	ADP
fsr-4060	102	46	education	education	NOUN
fsr-4060	102	47	(	(	PUNCT
fsr-4060	102	48	𝑆𝑖𝑡	𝑆𝑖𝑡	PROPN
fsr-4060	102	49	∗	∗	NOUN
fsr-4060	102	50	)	)	PUNCT
fsr-4060	102	51	.	.	PUNCT
fsr-4060	103	1	the	the	DET
fsr-4060	103	2	direct	direct	ADJ
fsr-4060	103	3	cost	cost	NOUN
fsr-4060	103	4	of	of	ADP
fsr-4060	103	5	education	education	NOUN
fsr-4060	103	6	can	can	AUX
fsr-4060	103	7	be	be	AUX
fsr-4060	103	8	proxied	proxie	VERB
fsr-4060	103	9	by	by	ADP
fsr-4060	103	10	the	the	DET
fsr-4060	103	11	tuition	tuition	NOUN
fsr-4060	103	12	cost	cost	NOUN
fsr-4060	103	13	and	and	CCONJ
fsr-4060	103	14	the	the	DET
fsr-4060	103	15	optimal	optimal	ADJ
fsr-4060	103	16	amount	amount	NOUN
fsr-4060	103	17	of	of	ADP
fsr-4060	103	18	time	time	NOUN
fsr-4060	103	19	for	for	ADP
fsr-4060	103	20	education	education	NOUN
fsr-4060	103	21	can	can	AUX
fsr-4060	103	22	be	be	AUX
fsr-4060	103	23	proxied	proxie	VERB
fsr-4060	103	24	by	by	ADP
fsr-4060	103	25	the	the	DET
fsr-4060	103	26	individual	individual	NOUN
fsr-4060	103	27	’s	’s	PART
fsr-4060	103	28	educational	educational	ADJ
fsr-4060	103	29	goal	goal	NOUN
fsr-4060	103	30	.	.	PUNCT
fsr-4060	104	1	the	the	DET
fsr-4060	104	2	optimal	optimal	ADJ
fsr-4060	104	3	amount	amount	NOUN
fsr-4060	104	4	to	to	PART
fsr-4060	104	5	invest	invest	VERB
fsr-4060	104	6	for	for	ADP
fsr-4060	104	7	education	education	NOUN
fsr-4060	104	8	may	may	AUX
fsr-4060	104	9	be	be	AUX
fsr-4060	104	10	reduced	reduce	VERB
fsr-4060	104	11	by	by	ADP
fsr-4060	104	12	either	either	CCONJ
fsr-4060	104	13	current	current	ADJ
fsr-4060	104	14	income	income	NOUN
fsr-4060	104	15	or	or	CCONJ
fsr-4060	104	16	alternative	alternative	ADJ
fsr-4060	104	17	financial	financial	ADJ
fsr-4060	104	18	resources	resource	NOUN
fsr-4060	104	19	.	.	PUNCT
fsr-4060	105	1	assume	assume	VERB
fsr-4060	105	2	that	that	SCONJ
fsr-4060	105	3	current	current	ADJ
fsr-4060	105	4	income	income	NOUN
fsr-4060	105	5	is	be	AUX
fsr-4060	105	6	the	the	DET
fsr-4060	105	7	product	product	NOUN
fsr-4060	105	8	of	of	ADP
fsr-4060	105	9	wages	wage	NOUN
fsr-4060	105	10	(	(	PUNCT
fsr-4060	105	11	𝛽𝑡	𝛽𝑡	NOUN
fsr-4060	105	12	)	)	PUNCT
fsr-4060	105	13	and	and	CCONJ
fsr-4060	105	14	the	the	DET
fsr-4060	105	15	amount	amount	NOUN
fsr-4060	105	16	of	of	ADP
fsr-4060	105	17	time	time	NOUN
fsr-4060	105	18	spent	spend	VERB
fsr-4060	105	19	in	in	ADP
fsr-4060	105	20	the	the	DET
fsr-4060	105	21	labor	labor	NOUN
fsr-4060	105	22	market	market	NOUN
fsr-4060	105	23	(	(	PUNCT
fsr-4060	105	24	1	1	NUM
fsr-4060	105	25	−	−	PROPN
fsr-4060	105	26	𝑆𝑖𝑡	𝑆𝑖𝑡	PROPN
fsr-4060	105	27	∗	∗	NOUN
fsr-4060	105	28	)	)	PUNCT
fsr-4060	105	29	.	.	PUNCT
fsr-4060	106	1	alternative	alternative	ADJ
fsr-4060	106	2	financial	financial	ADJ
fsr-4060	106	3	resources	resource	NOUN
fsr-4060	106	4	,	,	PUNCT
fsr-4060	106	5	denoted	denote	VERB
fsr-4060	106	6	(	(	PUNCT
fsr-4060	106	7	𝐹𝑖𝑡	𝐹𝑖𝑡	PROPN
fsr-4060	106	8	)	)	PUNCT
fsr-4060	106	9	,	,	PUNCT
fsr-4060	106	10	include	include	VERB
fsr-4060	106	11	but	but	CCONJ
fsr-4060	106	12	are	be	AUX
fsr-4060	106	13	not	not	PART
fsr-4060	106	14	limited	limit	VERB
fsr-4060	106	15	to	to	ADP
fsr-4060	106	16	,	,	PUNCT
fsr-4060	106	17	personal	personal	ADJ
fsr-4060	106	18	or	or	CCONJ
fsr-4060	106	19	family	family	NOUN
fsr-4060	106	20	wealth	wealth	NOUN
fsr-4060	106	21	and	and	CCONJ
fsr-4060	106	22	nonloan	nonloan	NOUN
fsr-4060	106	23	aid	aid	NOUN
fsr-4060	106	24	.	.	PUNCT
fsr-4060	107	1	therefore	therefore	ADV
fsr-4060	107	2	,	,	PUNCT
fsr-4060	107	3	𝑀𝑖𝑡	𝑀𝑖𝑡	PROPN
fsr-4060	107	4	∗	∗	NOUN
fsr-4060	107	5	is	be	AUX
fsr-4060	107	6	reduced	reduce	VERB
fsr-4060	107	7	accordingly	accordingly	ADV
fsr-4060	107	8	:	:	PUNCT
fsr-4060	107	9	𝑀𝑖𝑡	𝑀𝑖𝑡	PROPN
fsr-4060	107	10	∗	∗	NOUN
fsr-4060	107	11	=	=	PUNCT
fsr-4060	107	12	(	(	PUNCT
fsr-4060	107	13	𝛾𝑆𝑖𝑡	𝛾𝑆𝑖𝑡	PROPN
fsr-4060	107	14	∗	∗	NOUN
fsr-4060	107	15	)	)	PUNCT
fsr-4060	108	1	−	−	PROPN
fsr-4060	109	1	𝛽𝑡(1	𝛽𝑡(1	NOUN
fsr-4060	109	2	−	−	PROPN
fsr-4060	109	3	𝑆𝑖𝑡	𝑆𝑖𝑡	PROPN
fsr-4060	109	4	∗	∗	NOUN
fsr-4060	109	5	)	)	PUNCT
fsr-4060	110	1	−	−	PROPN
fsr-4060	111	1	𝐹𝑖𝑡	𝐹𝑖𝑡	PROPN
fsr-4060	111	2	[	[	X
fsr-4060	111	3	1	1	X
fsr-4060	111	4	]	]	PUNCT
fsr-4060	111	5	the	the	DET
fsr-4060	111	6	axiom	axiom	NOUN
fsr-4060	111	7	of	of	ADP
fsr-4060	111	8	a	a	DET
fsr-4060	111	9	“	"	PUNCT
fsr-4060	111	10	rational	rational	ADJ
fsr-4060	111	11	agent	agent	NOUN
fsr-4060	111	12	”	"	PUNCT
fsr-4060	111	13	in	in	ADP
fsr-4060	111	14	economic	economic	ADJ
fsr-4060	111	15	theory	theory	NOUN
fsr-4060	111	16	proposes	propose	VERB
fsr-4060	111	17	that	that	SCONJ
fsr-4060	111	18	an	an	DET
fsr-4060	111	19	individual	individual	NOUN
fsr-4060	111	20	will	will	AUX
fsr-4060	111	21	account	account	VERB
fsr-4060	111	22	for	for	ADP
fsr-4060	111	23	all	all	DET
fsr-4060	111	24	available	available	ADJ
fsr-4060	111	25	information	information	NOUN
fsr-4060	111	26	,	,	PUNCT
fsr-4060	111	27	costs	cost	NOUN
fsr-4060	111	28	,	,	PUNCT
fsr-4060	111	29	and	and	CCONJ
fsr-4060	111	30	benefits	benefit	NOUN
fsr-4060	111	31	when	when	SCONJ
fsr-4060	111	32	determining	determine	VERB
fsr-4060	111	33	a	a	DET
fsr-4060	111	34	course	course	NOUN
fsr-4060	111	35	of	of	ADP
fsr-4060	111	36	action	action	NOUN
fsr-4060	111	37	that	that	PRON
fsr-4060	111	38	is	be	AUX
fsr-4060	111	39	in	in	ADP
fsr-4060	111	40	their	their	PRON
fsr-4060	111	41	best	good	ADJ
fsr-4060	111	42	interest	interest	NOUN
fsr-4060	111	43	(	(	PUNCT
fsr-4060	111	44	simon	simon	PROPN
fsr-4060	111	45	,	,	PUNCT
fsr-4060	111	46	1955	1955	NUM
fsr-4060	111	47	)	)	PUNCT
fsr-4060	111	48	.	.	PUNCT
fsr-4060	112	1	while	while	SCONJ
fsr-4060	112	2	there	there	PRON
fsr-4060	112	3	is	be	VERB
fsr-4060	112	4	some	some	DET
fsr-4060	112	5	controversy	controversy	NOUN
fsr-4060	112	6	over	over	ADP
fsr-4060	112	7	the	the	DET
fsr-4060	112	8	term	term	NOUN
fsr-4060	112	9	“	"	PUNCT
fsr-4060	112	10	rational	rational	ADJ
fsr-4060	112	11	”	"	PUNCT
fsr-4060	112	12	(	(	PUNCT
fsr-4060	112	13	desjardins	desjardins	PROPN
fsr-4060	112	14	&	&	CCONJ
fsr-4060	112	15	toutkoushian	toutkoushian	PROPN
fsr-4060	112	16	,	,	PUNCT
fsr-4060	112	17	2005	2005	NUM
fsr-4060	112	18	)	)	PUNCT
fsr-4060	112	19	,	,	PUNCT
fsr-4060	112	20	we	we	PRON
fsr-4060	112	21	use	use	VERB
fsr-4060	112	22	“	"	PUNCT
fsr-4060	112	23	rational	rational	ADJ
fsr-4060	112	24	”	"	PUNCT
fsr-4060	112	25	in	in	ADP
fsr-4060	112	26	this	this	DET
fsr-4060	112	27	study	study	NOUN
fsr-4060	112	28	to	to	PART
fsr-4060	112	29	simply	simply	ADV
fsr-4060	112	30	describe	describe	VERB
fsr-4060	112	31	adherence	adherence	NOUN
fsr-4060	112	32	to	to	ADP
fsr-4060	112	33	the	the	DET
fsr-4060	112	34	economic	economic	ADJ
fsr-4060	112	35	model	model	NOUN
fsr-4060	112	36	outlined	outline	VERB
fsr-4060	112	37	above	above	ADV
fsr-4060	112	38	and	and	CCONJ
fsr-4060	112	39	“	"	PUNCT
fsr-4060	112	40	irrational	irrational	ADJ
fsr-4060	112	41	”	"	PUNCT
fsr-4060	112	42	to	to	PART
fsr-4060	112	43	describe	describe	VERB
fsr-4060	112	44	a	a	DET
fsr-4060	112	45	deviation	deviation	NOUN
fsr-4060	112	46	from	from	ADP
fsr-4060	112	47	the	the	DET
fsr-4060	112	48	expected	expect	VERB
fsr-4060	112	49	model	model	NOUN
fsr-4060	112	50	.	.	PUNCT
fsr-4060	113	1	heckman	heckman	PROPN
fsr-4060	113	2	et	et	PROPN
fsr-4060	113	3	al	al	PROPN
fsr-4060	113	4	.	.	PROPN
fsr-4060	113	5	79	79	NUM
fsr-4060	113	6	hypotheses	hypothesis	NOUN
fsr-4060	113	7	equation	equation	NOUN
fsr-4060	113	8	[	[	X
fsr-4060	113	9	1	1	NUM
fsr-4060	113	10	]	]	PUNCT
fsr-4060	113	11	implies	imply	VERB
fsr-4060	113	12	the	the	DET
fsr-4060	113	13	following	follow	VERB
fsr-4060	113	14	relationships	relationship	NOUN
fsr-4060	113	15	:	:	PUNCT
fsr-4060	113	16	𝑀𝑖𝑡	𝑀𝑖𝑡	PROPN
fsr-4060	113	17	∗	∗	NOUN
fsr-4060	113	18	=	=	PUNCT
fsr-4060	113	19	(	(	PUNCT
fsr-4060	113	20	+	+	NUM
fsr-4060	113	21	𝛾	𝛾	ADP
fsr-4060	113	22	,	,	PUNCT
fsr-4060	113	23	+	+	CCONJ
fsr-4060	114	1	𝑆𝑖𝑡	𝑆𝑖𝑡	NOUN
fsr-4060	114	2	∗	∗	NOUN
fsr-4060	114	3	,	,	PUNCT
fsr-4060	114	4	−	−	PROPN
fsr-4060	114	5	𝛽𝑡	𝛽𝑡	ADP
fsr-4060	114	6	,	,	PUNCT
fsr-4060	114	7	−	−	PROPN
fsr-4060	114	8	𝐹𝑖𝑡	𝐹𝑖𝑡	PROPN
fsr-4060	114	9	)	)	PUNCT
fsr-4060	114	10	.	.	PUNCT
fsr-4060	115	1	[	[	X
fsr-4060	115	2	2	2	NUM
fsr-4060	115	3	]	]	PUNCT
fsr-4060	115	4	therefore	therefore	ADV
fsr-4060	115	5	,	,	PUNCT
fsr-4060	115	6	the	the	DET
fsr-4060	115	7	following	follow	VERB
fsr-4060	115	8	hypotheses	hypothesis	NOUN
fsr-4060	115	9	are	be	AUX
fsr-4060	115	10	postulated	postulate	VERB
fsr-4060	115	11	:	:	PUNCT
fsr-4060	115	12	h1	h1	NOUN
fsr-4060	115	13	:	:	PUNCT
fsr-4060	115	14	direct	direct	ADJ
fsr-4060	115	15	costs	cost	NOUN
fsr-4060	115	16	of	of	ADP
fsr-4060	115	17	education	education	NOUN
fsr-4060	115	18	will	will	AUX
fsr-4060	115	19	be	be	AUX
fsr-4060	115	20	positively	positively	ADV
fsr-4060	115	21	associated	associate	VERB
fsr-4060	115	22	with	with	ADP
fsr-4060	115	23	willingness	willingness	NOUN
fsr-4060	115	24	to	to	PART
fsr-4060	115	25	borrow	borrow	VERB
fsr-4060	115	26	.	.	PUNCT
fsr-4060	116	1	h2	h2	NOUN
fsr-4060	116	2	:	:	PUNCT
fsr-4060	116	3	education	education	NOUN
fsr-4060	116	4	goals	goal	NOUN
fsr-4060	116	5	will	will	AUX
fsr-4060	116	6	be	be	AUX
fsr-4060	116	7	positively	positively	ADV
fsr-4060	116	8	associated	associate	VERB
fsr-4060	116	9	with	with	ADP
fsr-4060	116	10	willingness	willingness	NOUN
fsr-4060	116	11	to	to	PART
fsr-4060	116	12	borrow	borrow	VERB
fsr-4060	116	13	.	.	PUNCT
fsr-4060	117	1	h3	h3	NOUN
fsr-4060	117	2	:	:	PUNCT
fsr-4060	117	3	current	current	ADJ
fsr-4060	117	4	income	income	NOUN
fsr-4060	117	5	will	will	AUX
fsr-4060	117	6	be	be	AUX
fsr-4060	117	7	negatively	negatively	ADV
fsr-4060	117	8	associated	associate	VERB
fsr-4060	117	9	with	with	ADP
fsr-4060	117	10	willingness	willingness	NOUN
fsr-4060	117	11	to	to	PART
fsr-4060	117	12	borrow	borrow	VERB
fsr-4060	117	13	.	.	PUNCT
fsr-4060	118	1	h4	h4	NOUN
fsr-4060	118	2	:	:	PUNCT
fsr-4060	118	3	alternative	alternative	ADJ
fsr-4060	118	4	financial	financial	ADJ
fsr-4060	118	5	support	support	NOUN
fsr-4060	118	6	will	will	AUX
fsr-4060	118	7	be	be	AUX
fsr-4060	118	8	negatively	negatively	ADV
fsr-4060	118	9	associated	associate	VERB
fsr-4060	118	10	with	with	ADP
fsr-4060	118	11	willingness	willingness	NOUN
fsr-4060	118	12	to	to	PART
fsr-4060	118	13	borrow	borrow	VERB
fsr-4060	118	14	.	.	PUNCT
fsr-4060	119	1	methodology	methodology	NOUN
fsr-4060	119	2	data	datum	NOUN
fsr-4060	119	3	and	and	CCONJ
fsr-4060	119	4	sample	sample	NOUN
fsr-4060	119	5	this	this	DET
fsr-4060	119	6	study	study	NOUN
fsr-4060	119	7	uses	use	VERB
fsr-4060	119	8	data	datum	NOUN
fsr-4060	119	9	from	from	ADP
fsr-4060	119	10	the	the	DET
fsr-4060	119	11	2020	2020	NUM
fsr-4060	119	12	study	study	NOUN
fsr-4060	119	13	on	on	ADP
fsr-4060	119	14	collegiate	collegiate	ADJ
fsr-4060	119	15	financial	financial	PROPN
fsr-4060	119	16	wellness	wellness	NOUN
fsr-4060	119	17	(	(	PUNCT
fsr-4060	119	18	scfw	scfw	NOUN
fsr-4060	119	19	)	)	PUNCT
fsr-4060	119	20	,	,	PUNCT
fsr-4060	119	21	previously	previously	ADV
fsr-4060	119	22	titled	title	VERB
fsr-4060	119	23	the	the	DET
fsr-4060	119	24	national	national	ADJ
fsr-4060	119	25	student	student	PROPN
fsr-4060	119	26	financial	financial	PROPN
fsr-4060	119	27	wellness	wellness	PROPN
fsr-4060	119	28	survey	survey	NOUN
fsr-4060	119	29	(	(	PUNCT
fsr-4060	119	30	nsfws	nsfws	NOUN
fsr-4060	119	31	)	)	PUNCT
fsr-4060	119	32	.	.	PUNCT
fsr-4060	120	1	the	the	DET
fsr-4060	120	2	scfw	scfw	NOUN
fsr-4060	120	3	is	be	AUX
fsr-4060	120	4	a	a	DET
fsr-4060	120	5	survey	survey	NOUN
fsr-4060	120	6	of	of	ADP
fsr-4060	120	7	college	college	NOUN
fsr-4060	120	8	students	student	NOUN
fsr-4060	120	9	examining	examine	VERB
fsr-4060	120	10	the	the	DET
fsr-4060	120	11	financial	financial	ADJ
fsr-4060	120	12	attitudes	attitude	NOUN
fsr-4060	120	13	,	,	PUNCT
fsr-4060	120	14	practices	practice	NOUN
fsr-4060	120	15	,	,	PUNCT
fsr-4060	120	16	and	and	CCONJ
fsr-4060	120	17	knowledge	knowledge	NOUN
fsr-4060	120	18	of	of	ADP
fsr-4060	120	19	students	student	NOUN
fsr-4060	120	20	from	from	ADP
fsr-4060	120	21	higher	high	ADJ
fsr-4060	120	22	education	education	NOUN
fsr-4060	120	23	institutions	institution	NOUN
fsr-4060	120	24	across	across	ADP
fsr-4060	120	25	the	the	DET
fsr-4060	120	26	us	us	PROPN
fsr-4060	120	27	.	.	PUNCT
fsr-4060	121	1	the	the	DET
fsr-4060	121	2	online	online	ADJ
fsr-4060	121	3	survey	survey	NOUN
fsr-4060	121	4	was	be	AUX
fsr-4060	121	5	administered	administer	VERB
fsr-4060	121	6	by	by	ADP
fsr-4060	121	7	the	the	DET
fsr-4060	121	8	center	center	NOUN
fsr-4060	121	9	for	for	ADP
fsr-4060	121	10	the	the	DET
fsr-4060	121	11	study	study	NOUN
fsr-4060	121	12	of	of	ADP
fsr-4060	121	13	student	student	NOUN
fsr-4060	121	14	life	life	NOUN
fsr-4060	121	15	and	and	CCONJ
fsr-4060	121	16	college	college	NOUN
fsr-4060	121	17	of	of	ADP
fsr-4060	121	18	education	education	NOUN
fsr-4060	121	19	and	and	CCONJ
fsr-4060	121	20	human	human	ADJ
fsr-4060	121	21	ecology	ecology	NOUN
fsr-4060	121	22	at	at	ADP
fsr-4060	121	23	the	the	DET
fsr-4060	121	24	ohio	ohio	PROPN
fsr-4060	121	25	state	state	PROPN
fsr-4060	121	26	university	university	PROPN
fsr-4060	121	27	and	and	CCONJ
fsr-4060	121	28	was	be	AUX
fsr-4060	121	29	launched	launch	VERB
fsr-4060	121	30	in	in	ADP
fsr-4060	121	31	february	february	PROPN
fsr-4060	121	32	2020	2020	NUM
fsr-4060	121	33	.	.	PUNCT
fsr-4060	122	1	the	the	DET
fsr-4060	122	2	survey	survey	NOUN
fsr-4060	122	3	is	be	AUX
fsr-4060	122	4	comprised	comprise	VERB
fsr-4060	122	5	of	of	ADP
fsr-4060	122	6	a	a	DET
fsr-4060	122	7	random	random	ADJ
fsr-4060	122	8	sample	sample	NOUN
fsr-4060	122	9	of	of	ADP
fsr-4060	122	10	students	student	NOUN
fsr-4060	122	11	from	from	ADP
fsr-4060	122	12	60	60	NUM
fsr-4060	122	13	two	two	NUM
fsr-4060	122	14	-	-	PUNCT
fsr-4060	122	15	year	year	NOUN
fsr-4060	122	16	and	and	CCONJ
fsr-4060	122	17	four	four	NUM
fsr-4060	122	18	-	-	PUNCT
fsr-4060	122	19	year	year	NOUN
fsr-4060	122	20	institutions	institution	NOUN
fsr-4060	122	21	.	.	PUNCT
fsr-4060	123	1	in	in	ADP
fsr-4060	123	2	total	total	NOUN
fsr-4060	123	3	,	,	PUNCT
fsr-4060	123	4	29,883	29,883	NUM
fsr-4060	123	5	students	student	NOUN
fsr-4060	123	6	responded	respond	VERB
fsr-4060	123	7	to	to	ADP
fsr-4060	123	8	the	the	DET
fsr-4060	123	9	survey	survey	NOUN
fsr-4060	123	10	and	and	CCONJ
fsr-4060	123	11	the	the	DET
fsr-4060	123	12	final	final	ADJ
fsr-4060	123	13	sample	sample	NOUN
fsr-4060	123	14	available	available	ADJ
fsr-4060	123	15	for	for	ADP
fsr-4060	123	16	analyses	analysis	NOUN
fsr-4060	123	17	in	in	ADP
fsr-4060	123	18	the	the	DET
fsr-4060	123	19	current	current	ADJ
fsr-4060	123	20	paper	paper	NOUN
fsr-4060	123	21	includes	include	VERB
fsr-4060	123	22	24,121	24,121	NUM
fsr-4060	123	23	respondents	respondent	NOUN
fsr-4060	123	24	.	.	PUNCT
fsr-4060	124	1	the	the	DET
fsr-4060	124	2	institutional	institutional	ADJ
fsr-4060	124	3	data	datum	NOUN
fsr-4060	124	4	are	be	AUX
fsr-4060	124	5	matched	match	VERB
fsr-4060	124	6	with	with	ADP
fsr-4060	124	7	the	the	DET
fsr-4060	124	8	institution	institution	NOUN
fsr-4060	124	9	postsecondary	postsecondary	ADJ
fsr-4060	124	10	data	datum	NOUN
fsr-4060	124	11	system	system	NOUN
fsr-4060	124	12	(	(	PUNCT
fsr-4060	124	13	ipeds	iped	NOUN
fsr-4060	124	14	)	)	PUNCT
fsr-4060	124	15	of	of	ADP
fsr-4060	124	16	the	the	DET
fsr-4060	124	17	national	national	ADJ
fsr-4060	124	18	center	center	NOUN
fsr-4060	124	19	for	for	ADP
fsr-4060	124	20	education	education	NOUN
fsr-4060	124	21	statistics	statistic	NOUN
fsr-4060	124	22	providing	provide	VERB
fsr-4060	124	23	information	information	NOUN
fsr-4060	124	24	about	about	ADP
fsr-4060	124	25	each	each	DET
fsr-4060	124	26	institution	institution	NOUN
fsr-4060	124	27	,	,	PUNCT
fsr-4060	124	28	such	such	ADJ
fsr-4060	124	29	as	as	ADP
fsr-4060	124	30	tuition	tuition	NOUN
fsr-4060	124	31	,	,	PUNCT
fsr-4060	124	32	faculty	faculty	NOUN
fsr-4060	124	33	-	-	PUNCT
fsr-4060	124	34	to	to	ADP
fsr-4060	124	35	-	-	PUNCT
fsr-4060	124	36	student	student	NOUN
fsr-4060	124	37	ratios	ratio	NOUN
fsr-4060	124	38	,	,	PUNCT
fsr-4060	124	39	and	and	CCONJ
fsr-4060	124	40	rate	rate	NOUN
fsr-4060	124	41	of	of	ADP
fsr-4060	124	42	students	student	NOUN
fsr-4060	124	43	receiving	receive	VERB
fsr-4060	124	44	pell	pell	NOUN
fsr-4060	124	45	grants	grant	NOUN
fsr-4060	124	46	.	.	PUNCT
fsr-4060	125	1	two	two	NUM
fsr-4060	125	2	dependent	dependent	ADJ
fsr-4060	125	3	variables	variable	NOUN
fsr-4060	125	4	are	be	AUX
fsr-4060	125	5	created	create	VERB
fsr-4060	125	6	from	from	ADP
fsr-4060	125	7	the	the	DET
fsr-4060	125	8	categorical	categorical	ADJ
fsr-4060	125	9	responses	response	NOUN
fsr-4060	125	10	on	on	ADP
fsr-4060	125	11	the	the	DET
fsr-4060	125	12	following	follow	VERB
fsr-4060	125	13	question	question	NOUN
fsr-4060	125	14	:	:	PUNCT
fsr-4060	125	15	“	"	PUNCT
fsr-4060	125	16	assuming	assume	VERB
fsr-4060	125	17	you	you	PRON
fsr-4060	125	18	are	be	AUX
fsr-4060	125	19	paying	pay	VERB
fsr-4060	125	20	,	,	PUNCT
fsr-4060	125	21	or	or	CCONJ
fsr-4060	125	22	had	have	VERB
fsr-4060	125	23	to	to	PART
fsr-4060	125	24	pay	pay	VERB
fsr-4060	125	25	,	,	PUNCT
fsr-4060	125	26	for	for	ADP
fsr-4060	125	27	college	college	NOUN
fsr-4060	125	28	on	on	ADP
fsr-4060	125	29	your	your	PRON
fsr-4060	125	30	own	own	ADJ
fsr-4060	125	31	,	,	PUNCT
fsr-4060	125	32	how	how	SCONJ
fsr-4060	125	33	much	much	ADJ
fsr-4060	125	34	debt	debt	NOUN
fsr-4060	125	35	would	would	AUX
fsr-4060	125	36	you	you	PRON
fsr-4060	125	37	be	be	AUX
fsr-4060	125	38	willing	willing	ADJ
fsr-4060	125	39	to	to	PART
fsr-4060	125	40	personally	personally	ADV
fsr-4060	125	41	accumulate	accumulate	VERB
fsr-4060	125	42	in	in	ADP
fsr-4060	125	43	order	order	NOUN
fsr-4060	125	44	to	to	PART
fsr-4060	125	45	complete	complete	VERB
fsr-4060	125	46	your	your	PRON
fsr-4060	125	47	current	current	ADJ
fsr-4060	125	48	degree	degree	NOUN
fsr-4060	125	49	?	?	PUNCT
fsr-4060	125	50	”	"	PUNCT
fsr-4060	126	1	first	first	ADV
fsr-4060	126	2	,	,	PUNCT
fsr-4060	126	3	a	a	DET
fsr-4060	126	4	categorical	categorical	ADJ
fsr-4060	126	5	variable	variable	NOUN
fsr-4060	126	6	was	be	AUX
fsr-4060	126	7	created	create	VERB
fsr-4060	126	8	to	to	PART
fsr-4060	126	9	distinguish	distinguish	VERB
fsr-4060	126	10	between	between	ADP
fsr-4060	126	11	students	student	NOUN
fsr-4060	126	12	who	who	PRON
fsr-4060	126	13	are	be	AUX
fsr-4060	126	14	willing	willing	ADJ
fsr-4060	126	15	to	to	PART
fsr-4060	126	16	borrow	borrow	VERB
fsr-4060	126	17	for	for	ADP
fsr-4060	126	18	a	a	DET
fsr-4060	126	19	college	college	NOUN
fsr-4060	126	20	degree	degree	NOUN
fsr-4060	126	21	,	,	PUNCT
fsr-4060	126	22	those	those	PRON
fsr-4060	126	23	who	who	PRON
fsr-4060	126	24	are	be	AUX
fsr-4060	126	25	not	not	PART
fsr-4060	126	26	willing	willing	ADJ
fsr-4060	126	27	to	to	PART
fsr-4060	126	28	borrow	borrow	VERB
fsr-4060	126	29	,	,	PUNCT
fsr-4060	126	30	and	and	CCONJ
fsr-4060	126	31	those	those	PRON
fsr-4060	126	32	who	who	PRON
fsr-4060	126	33	do	do	AUX
fsr-4060	126	34	not	not	PART
fsr-4060	126	35	know	know	VERB
fsr-4060	126	36	if	if	SCONJ
fsr-4060	126	37	they	they	PRON
fsr-4060	126	38	are	be	AUX
fsr-4060	126	39	willing	willing	ADJ
fsr-4060	126	40	to	to	PART
fsr-4060	126	41	borrow	borrow	VERB
fsr-4060	126	42	.	.	PUNCT
fsr-4060	127	1	while	while	SCONJ
fsr-4060	127	2	we	we	PRON
fsr-4060	127	3	recognized	recognize	VERB
fsr-4060	127	4	that	that	SCONJ
fsr-4060	127	5	students	student	NOUN
fsr-4060	127	6	responding	respond	VERB
fsr-4060	127	7	“	"	PUNCT
fsr-4060	127	8	do	do	AUX
fsr-4060	127	9	n’t	not	PART
fsr-4060	127	10	know	know	VERB
fsr-4060	127	11	”	"	PUNCT
fsr-4060	127	12	to	to	ADP
fsr-4060	127	13	the	the	DET
fsr-4060	127	14	question	question	NOUN
fsr-4060	127	15	may	may	AUX
fsr-4060	127	16	be	be	AUX
fsr-4060	127	17	classified	classify	VERB
fsr-4060	127	18	as	as	ADP
fsr-4060	127	19	willing	willing	ADJ
fsr-4060	127	20	to	to	PART
fsr-4060	127	21	borrow	borrow	VERB
fsr-4060	127	22	,	,	PUNCT
fsr-4060	127	23	we	we	PRON
fsr-4060	127	24	found	find	VERB
fsr-4060	127	25	factors	factor	NOUN
fsr-4060	127	26	that	that	PRON
fsr-4060	127	27	distinguish	distinguish	VERB
fsr-4060	127	28	this	this	DET
fsr-4060	127	29	group	group	NOUN
fsr-4060	127	30	from	from	ADP
fsr-4060	127	31	the	the	DET
fsr-4060	127	32	others	other	NOUN
fsr-4060	127	33	and	and	CCONJ
fsr-4060	127	34	decided	decide	VERB
fsr-4060	127	35	to	to	PART
fsr-4060	127	36	keep	keep	VERB
fsr-4060	127	37	them	they	PRON
fsr-4060	127	38	as	as	ADP
fsr-4060	127	39	a	a	DET
fsr-4060	127	40	separate	separate	ADJ
fsr-4060	127	41	group	group	NOUN
fsr-4060	127	42	for	for	ADP
fsr-4060	127	43	the	the	DET
fsr-4060	127	44	first	first	ADJ
fsr-4060	127	45	stage	stage	NOUN
fsr-4060	127	46	of	of	ADP
fsr-4060	127	47	the	the	DET
fsr-4060	127	48	analysis	analysis	NOUN
fsr-4060	127	49	.	.	PUNCT
fsr-4060	128	1	for	for	ADP
fsr-4060	128	2	example	example	NOUN
fsr-4060	128	3	,	,	PUNCT
fsr-4060	128	4	students	student	NOUN
fsr-4060	128	5	who	who	PRON
fsr-4060	128	6	responded	respond	VERB
fsr-4060	128	7	“	"	PUNCT
fsr-4060	128	8	do	do	AUX
fsr-4060	128	9	n’t	not	PART
fsr-4060	128	10	know	know	VERB
fsr-4060	128	11	,	,	PUNCT
fsr-4060	128	12	”	"	PUNCT
fsr-4060	128	13	on	on	ADP
fsr-4060	128	14	average	average	ADJ
fsr-4060	128	15	,	,	PUNCT
fsr-4060	128	16	report	report	VERB
fsr-4060	128	17	more	more	ADJ
fsr-4060	128	18	support	support	NOUN
fsr-4060	128	19	from	from	ADP
fsr-4060	128	20	their	their	PRON
fsr-4060	128	21	parents	parent	NOUN
fsr-4060	128	22	,	,	PUNCT
fsr-4060	128	23	lower	low	ADJ
fsr-4060	128	24	gpas	gpa	NOUN
fsr-4060	128	25	,	,	PUNCT
fsr-4060	128	26	and	and	CCONJ
fsr-4060	128	27	have	have	VERB
fsr-4060	128	28	higher	high	ADJ
fsr-4060	128	29	tuition	tuition	NOUN
fsr-4060	128	30	costs	cost	NOUN
fsr-4060	128	31	.	.	PUNCT
fsr-4060	129	1	second	second	ADJ
fsr-4060	129	2	,	,	PUNCT
fsr-4060	129	3	among	among	ADP
fsr-4060	129	4	those	those	PRON
fsr-4060	129	5	who	who	PRON
fsr-4060	129	6	reported	report	VERB
fsr-4060	129	7	that	that	SCONJ
fsr-4060	129	8	they	they	PRON
fsr-4060	129	9	are	be	AUX
fsr-4060	129	10	willing	willing	ADJ
fsr-4060	129	11	to	to	PART
fsr-4060	129	12	borrow	borrow	VERB
fsr-4060	129	13	for	for	ADP
fsr-4060	129	14	a	a	DET
fsr-4060	129	15	college	college	NOUN
fsr-4060	129	16	degree	degree	NOUN
fsr-4060	129	17	,	,	PUNCT
fsr-4060	129	18	a	a	DET
fsr-4060	129	19	continuous	continuous	ADJ
fsr-4060	129	20	variable	variable	NOUN
fsr-4060	129	21	was	be	AUX
fsr-4060	129	22	created	create	VERB
fsr-4060	129	23	to	to	PART
fsr-4060	129	24	represent	represent	VERB
fsr-4060	129	25	how	how	SCONJ
fsr-4060	129	26	much	much	ADJ
fsr-4060	129	27	debt	debt	NOUN
fsr-4060	129	28	the	the	DET
fsr-4060	129	29	students	student	NOUN
fsr-4060	129	30	are	be	AUX
fsr-4060	129	31	willing	willing	ADJ
fsr-4060	129	32	to	to	PART
fsr-4060	129	33	accumulate	accumulate	VERB
fsr-4060	129	34	.	.	PUNCT
fsr-4060	130	1	we	we	PRON
fsr-4060	130	2	transformed	transform	VERB
fsr-4060	130	3	categorical	categorical	ADJ
fsr-4060	130	4	answers	answer	NOUN
fsr-4060	130	5	to	to	ADP
fsr-4060	130	6	continuous	continuous	ADJ
fsr-4060	130	7	values	value	NOUN
fsr-4060	130	8	by	by	ADP
fsr-4060	130	9	taking	take	VERB
fsr-4060	130	10	the	the	DET
fsr-4060	130	11	midpoint	midpoint	NOUN
fsr-4060	130	12	from	from	ADP
fsr-4060	130	13	each	each	DET
fsr-4060	130	14	range	range	NOUN
fsr-4060	130	15	of	of	ADP
fsr-4060	130	16	categories	category	NOUN
fsr-4060	130	17	.	.	PUNCT
fsr-4060	131	1	there	there	PRON
fsr-4060	131	2	were	be	VERB
fsr-4060	131	3	eight	eight	NUM
fsr-4060	131	4	possible	possible	ADJ
fsr-4060	131	5	ranges	range	NOUN
fsr-4060	131	6	,	,	PUNCT
fsr-4060	131	7	ranging	range	VERB
fsr-4060	131	8	from	from	ADP
fsr-4060	131	9	zero	zero	NUM
fsr-4060	131	10	(	(	PUNCT
fsr-4060	131	11	not	not	PART
fsr-4060	131	12	willing	willing	ADJ
fsr-4060	131	13	)	)	PUNCT
fsr-4060	131	14	to	to	ADP
fsr-4060	131	15	“	"	PUNCT
fsr-4060	131	16	over	over	ADP
fsr-4060	131	17	$	$	SYM
fsr-4060	131	18	60,000	60,000	NUM
fsr-4060	131	19	.	.	PUNCT
fsr-4060	131	20	”	"	PUNCT
fsr-4060	132	1	students	student	NOUN
fsr-4060	132	2	responding	respond	VERB
fsr-4060	132	3	“	"	PUNCT
fsr-4060	132	4	do	do	AUX
fsr-4060	132	5	n’t	not	PART
fsr-4060	132	6	know	know	VERB
fsr-4060	132	7	”	"	PUNCT
fsr-4060	132	8	were	be	AUX
fsr-4060	132	9	excluded	exclude	VERB
fsr-4060	132	10	from	from	ADP
fsr-4060	132	11	the	the	DET
fsr-4060	132	12	second	second	ADJ
fsr-4060	132	13	analysis	analysis	NOUN
fsr-4060	132	14	reducing	reduce	VERB
fsr-4060	132	15	the	the	DET
fsr-4060	132	16	sample	sample	NOUN
fsr-4060	132	17	size	size	NOUN
fsr-4060	132	18	for	for	ADP
fsr-4060	132	19	that	that	DET
fsr-4060	132	20	model	model	NOUN
fsr-4060	132	21	.	.	PUNCT
fsr-4060	133	1	empirical	empirical	ADJ
fsr-4060	133	2	model	model	NOUN
fsr-4060	133	3	although	although	SCONJ
fsr-4060	133	4	we	we	PRON
fsr-4060	133	5	are	be	AUX
fsr-4060	133	6	interested	interested	ADJ
fsr-4060	133	7	in	in	ADP
fsr-4060	133	8	the	the	DET
fsr-4060	133	9	underlying	underlie	VERB
fsr-4060	133	10	value	value	NOUN
fsr-4060	133	11	or	or	CCONJ
fsr-4060	133	12	amount	amount	NOUN
fsr-4060	133	13	that	that	PRON
fsr-4060	133	14	the	the	DET
fsr-4060	133	15	student	student	NOUN
fsr-4060	133	16	is	be	AUX
fsr-4060	133	17	willing	willing	ADJ
fsr-4060	133	18	to	to	PART
fsr-4060	133	19	invest	invest	VERB
fsr-4060	133	20	,	,	PUNCT
fsr-4060	133	21	𝑀𝑖	𝑀𝑖	PROPN
fsr-4060	133	22	∗	∗	NOUN
fsr-4060	133	23	is	be	AUX
fsr-4060	133	24	not	not	PART
fsr-4060	133	25	observed	observe	VERB
fsr-4060	133	26	.	.	PUNCT
fsr-4060	134	1	for	for	ADP
fsr-4060	134	2	convenience	convenience	NOUN
fsr-4060	134	3	,	,	PUNCT
fsr-4060	134	4	we	we	PRON
fsr-4060	134	5	drop	drop	VERB
fsr-4060	134	6	the	the	DET
fsr-4060	134	7	t	t	NOUN
fsr-4060	134	8	subscript	subscript	NOUN
fsr-4060	134	9	when	when	SCONJ
fsr-4060	134	10	discussing	discuss	VERB
fsr-4060	134	11	the	the	DET
fsr-4060	134	12	empirical	empirical	ADJ
fsr-4060	134	13	model	model	NOUN
fsr-4060	134	14	.	.	PUNCT
fsr-4060	135	1	𝑀𝑖	𝑀𝑖	NOUN
fsr-4060	135	2	,	,	PUNCT
fsr-4060	135	3	the	the	DET
fsr-4060	135	4	amount	amount	NOUN
fsr-4060	135	5	of	of	ADP
fsr-4060	135	6	student	student	NOUN
fsr-4060	135	7	loan	loan	NOUN
fsr-4060	135	8	debt	debt	NOUN
fsr-4060	135	9	that	that	PRON
fsr-4060	135	10	individual	individual	ADJ
fsr-4060	135	11	i	i	PRON
fsr-4060	135	12	would	would	AUX
fsr-4060	135	13	be	be	AUX
fsr-4060	135	14	willing	willing	ADJ
fsr-4060	135	15	to	to	PART
fsr-4060	135	16	personally	personally	ADV
fsr-4060	135	17	accumulate	accumulate	VERB
fsr-4060	135	18	in	in	ADP
fsr-4060	135	19	order	order	NOUN
fsr-4060	135	20	to	to	PART
fsr-4060	135	21	pay	pay	VERB
fsr-4060	135	22	for	for	ADP
fsr-4060	135	23	college	college	NOUN
fsr-4060	135	24	,	,	PUNCT
fsr-4060	135	25	is	be	AUX
fsr-4060	135	26	observed	observe	VERB
fsr-4060	135	27	in	in	ADP
fsr-4060	135	28	the	the	DET
fsr-4060	135	29	data	datum	NOUN
fsr-4060	135	30	.	.	PUNCT
fsr-4060	136	1	we	we	PRON
fsr-4060	136	2	use	use	VERB
fsr-4060	136	3	two	two	NUM
fsr-4060	136	4	empirical	empirical	ADJ
fsr-4060	136	5	models	model	NOUN
fsr-4060	136	6	to	to	PART
fsr-4060	136	7	test	test	VERB
fsr-4060	136	8	the	the	DET
fsr-4060	136	9	hypotheses	hypothesis	NOUN
fsr-4060	136	10	regarding	regard	VERB
fsr-4060	136	11	the	the	DET
fsr-4060	136	12	amount	amount	NOUN
fsr-4060	136	13	students	student	NOUN
fsr-4060	136	14	are	be	AUX
fsr-4060	136	15	willing	willing	ADJ
fsr-4060	136	16	to	to	PART
fsr-4060	136	17	borrow	borrow	VERB
fsr-4060	136	18	.	.	PUNCT
fsr-4060	137	1	the	the	DET
fsr-4060	137	2	first	first	ADJ
fsr-4060	137	3	is	be	AUX
fsr-4060	137	4	a	a	DET
fsr-4060	137	5	multinomial	multinomial	ADJ
fsr-4060	137	6	regression	regression	NOUN
fsr-4060	137	7	and	and	CCONJ
fsr-4060	137	8	the	the	DET
fsr-4060	137	9	second	second	NOUN
fsr-4060	137	10	is	be	AUX
fsr-4060	137	11	a	a	DET
fsr-4060	137	12	tobit	tobit	NOUN
fsr-4060	137	13	regression	regression	NOUN
fsr-4060	137	14	.	.	PUNCT
fsr-4060	138	1	both	both	DET
fsr-4060	138	2	models	model	NOUN
fsr-4060	138	3	utilize	utilize	VERB
fsr-4060	138	4	maximum	maximum	ADJ
fsr-4060	138	5	likelihood	likelihood	NOUN
fsr-4060	138	6	for	for	ADP
fsr-4060	138	7	parameter	parameter	NOUN
fsr-4060	138	8	estimation	estimation	NOUN
fsr-4060	138	9	.	.	PUNCT
fsr-4060	139	1	a	a	DET
fsr-4060	139	2	multinomial	multinomial	ADJ
fsr-4060	139	3	logistic	logistic	ADJ
fsr-4060	139	4	regression	regression	NOUN
fsr-4060	139	5	is	be	AUX
fsr-4060	139	6	a	a	DET
fsr-4060	139	7	method	method	NOUN
fsr-4060	139	8	that	that	PRON
fsr-4060	139	9	generalizes	generalize	VERB
fsr-4060	139	10	logistic	logistic	ADJ
fsr-4060	139	11	regression	regression	NOUN
fsr-4060	139	12	to	to	ADP
fsr-4060	139	13	multiclass	multiclass	ADJ
fsr-4060	139	14	problems	problem	NOUN
fsr-4060	139	15	where	where	SCONJ
fsr-4060	139	16	there	there	PRON
fsr-4060	139	17	are	be	VERB
fsr-4060	139	18	more	more	ADJ
fsr-4060	139	19	than	than	ADP
fsr-4060	139	20	two	two	NUM
fsr-4060	139	21	discrete	discrete	ADJ
fsr-4060	139	22	outcomes	outcome	NOUN
fsr-4060	139	23	.	.	PUNCT
fsr-4060	140	1	multinomial	multinomial	ADJ
fsr-4060	140	2	logistic	logistic	ADJ
fsr-4060	140	3	regression	regression	NOUN
fsr-4060	140	4	uses	use	VERB
fsr-4060	140	5	a	a	DET
fsr-4060	140	6	linear	linear	ADJ
fsr-4060	140	7	predictor	predictor	NOUN
fsr-4060	140	8	function	function	NOUN
fsr-4060	140	9	𝑓(𝑘	𝑓(𝑘	PROPN
fsr-4060	140	10	,	,	PUNCT
fsr-4060	140	11	𝑖	𝑖	PUNCT
fsr-4060	140	12	)	)	PUNCT
fsr-4060	140	13	to	to	PART
fsr-4060	140	14	predict	predict	VERB
fsr-4060	140	15	the	the	DET
fsr-4060	140	16	probability	probability	NOUN
fsr-4060	140	17	that	that	SCONJ
fsr-4060	140	18	the	the	DET
fsr-4060	140	19	observation	observation	NOUN
fsr-4060	140	20	𝑖	𝑖	X
fsr-4060	140	21	has	have	AUX
fsr-4060	140	22	outcome	outcome	VERB
fsr-4060	140	23	𝑘	𝑘	PRON
fsr-4060	140	24	as	as	SCONJ
fsr-4060	140	25	modeled	model	VERB
fsr-4060	140	26	below	below	ADV
fsr-4060	140	27	:	:	PUNCT
fsr-4060	140	28	𝑓(𝑘	𝑓(𝑘	PROPN
fsr-4060	140	29	,	,	PUNCT
fsr-4060	140	30	𝑖	𝑖	X
fsr-4060	140	31	)	)	PUNCT
fsr-4060	140	32	=	=	NOUN
fsr-4060	140	33	𝛽𝑘	𝛽𝑘	NOUN
fsr-4060	140	34	.	.	PUNCT
fsr-4060	141	1	𝑥𝑖	𝑥𝑖	X
fsr-4060	142	1	[	[	X
fsr-4060	142	2	3	3	X
fsr-4060	142	3	]	]	X
fsr-4060	142	4	financial	financial	ADJ
fsr-4060	142	5	services	service	NOUN
fsr-4060	142	6	review	review	PROPN
fsr-4060	142	7	,	,	PUNCT
fsr-4060	142	8	33(2	33(2	NUM
fsr-4060	142	9	)	)	PUNCT
fsr-4060	142	10	80	80	NUM
fsr-4060	142	11	where	where	SCONJ
fsr-4060	142	12	𝛽𝑘	𝛽𝑘	ADV
fsr-4060	142	13	is	be	AUX
fsr-4060	142	14	the	the	DET
fsr-4060	142	15	set	set	NOUN
fsr-4060	142	16	of	of	ADP
fsr-4060	142	17	regression	regression	NOUN
fsr-4060	142	18	coefficients	coefficient	NOUN
fsr-4060	142	19	associated	associate	VERB
fsr-4060	142	20	with	with	ADP
fsr-4060	142	21	outcome	outcome	NOUN
fsr-4060	142	22	k	k	PROPN
fsr-4060	142	23	,	,	PUNCT
fsr-4060	142	24	and	and	CCONJ
fsr-4060	142	25	𝑥𝑖	𝑥𝑖	PROPN
fsr-4060	142	26	is	be	AUX
fsr-4060	142	27	the	the	DET
fsr-4060	142	28	set	set	NOUN
fsr-4060	142	29	of	of	ADP
fsr-4060	142	30	explanatory	explanatory	ADJ
fsr-4060	142	31	variables	variable	NOUN
fsr-4060	142	32	associated	associate	VERB
fsr-4060	142	33	with	with	ADP
fsr-4060	142	34	observation	observation	NOUN
fsr-4060	142	35	i.	i.	NOUN
fsr-4060	142	36	we	we	PRON
fsr-4060	142	37	use	use	VERB
fsr-4060	142	38	this	this	DET
fsr-4060	142	39	model	model	NOUN
fsr-4060	142	40	to	to	PART
fsr-4060	142	41	compare	compare	VERB
fsr-4060	142	42	three	three	NUM
fsr-4060	142	43	distinct	distinct	ADJ
fsr-4060	142	44	groups	group	NOUN
fsr-4060	142	45	–	–	PUNCT
fsr-4060	142	46	those	those	PRON
fsr-4060	142	47	willing	willing	ADJ
fsr-4060	142	48	to	to	PART
fsr-4060	142	49	borrow	borrow	VERB
fsr-4060	142	50	,	,	PUNCT
fsr-4060	142	51	those	those	PRON
fsr-4060	142	52	not	not	PART
fsr-4060	142	53	willing	willing	ADJ
fsr-4060	142	54	to	to	PART
fsr-4060	142	55	borrow	borrow	VERB
fsr-4060	142	56	,	,	PUNCT
fsr-4060	142	57	and	and	CCONJ
fsr-4060	142	58	those	those	PRON
fsr-4060	142	59	who	who	PRON
fsr-4060	142	60	do	do	AUX
fsr-4060	142	61	not	not	PART
fsr-4060	142	62	know	know	VERB
fsr-4060	142	63	if	if	SCONJ
fsr-4060	142	64	they	they	PRON
fsr-4060	142	65	are	be	AUX
fsr-4060	142	66	willing	willing	ADJ
fsr-4060	142	67	to	to	PART
fsr-4060	142	68	borrow	borrow	VERB
fsr-4060	142	69	.	.	PUNCT
fsr-4060	143	1	to	to	PART
fsr-4060	143	2	obtain	obtain	VERB
fsr-4060	143	3	actual	actual	ADJ
fsr-4060	143	4	probabilities	probability	NOUN
fsr-4060	143	5	rather	rather	ADV
fsr-4060	143	6	than	than	ADP
fsr-4060	143	7	relative	relative	ADJ
fsr-4060	143	8	probabilities	probability	NOUN
fsr-4060	143	9	,	,	PUNCT
fsr-4060	143	10	we	we	PRON
fsr-4060	143	11	report	report	VERB
fsr-4060	143	12	average	average	ADJ
fsr-4060	143	13	marginal	marginal	ADJ
fsr-4060	143	14	effects	effect	NOUN
fsr-4060	143	15	from	from	ADP
fsr-4060	143	16	the	the	DET
fsr-4060	143	17	multinomial	multinomial	ADJ
fsr-4060	143	18	logistic	logistic	ADJ
fsr-4060	143	19	regression	regression	NOUN
fsr-4060	143	20	model	model	NOUN
fsr-4060	143	21	.	.	PUNCT
fsr-4060	144	1	the	the	DET
fsr-4060	144	2	tobit	tobit	NOUN
fsr-4060	144	3	model	model	NOUN
fsr-4060	144	4	is	be	AUX
fsr-4060	144	5	a	a	DET
fsr-4060	144	6	hybrid	hybrid	NOUN
fsr-4060	144	7	of	of	ADP
fsr-4060	144	8	a	a	DET
fsr-4060	144	9	probit	probit	NOUN
fsr-4060	144	10	and	and	CCONJ
fsr-4060	144	11	an	an	DET
fsr-4060	144	12	ordinary	ordinary	ADJ
fsr-4060	144	13	least	least	ADJ
fsr-4060	144	14	squares	square	NOUN
fsr-4060	144	15	(	(	PUNCT
fsr-4060	144	16	ols	ol	NOUN
fsr-4060	144	17	)	)	PUNCT
fsr-4060	144	18	regression	regression	NOUN
fsr-4060	144	19	and	and	CCONJ
fsr-4060	144	20	allows	allow	VERB
fsr-4060	144	21	us	we	PRON
fsr-4060	144	22	to	to	PART
fsr-4060	144	23	model	model	VERB
fsr-4060	144	24	both	both	CCONJ
fsr-4060	144	25	the	the	DET
fsr-4060	144	26	choice	choice	NOUN
fsr-4060	144	27	to	to	PART
fsr-4060	144	28	borrow	borrow	VERB
fsr-4060	144	29	and	and	CCONJ
fsr-4060	144	30	the	the	DET
fsr-4060	144	31	extent	extent	NOUN
fsr-4060	144	32	to	to	PART
fsr-4060	144	33	which	which	PRON
fsr-4060	144	34	one	one	NOUN
fsr-4060	144	35	is	be	AUX
fsr-4060	144	36	willing	willing	ADJ
fsr-4060	144	37	to	to	PART
fsr-4060	144	38	borrow	borrow	VERB
fsr-4060	144	39	.	.	PUNCT
fsr-4060	145	1	the	the	DET
fsr-4060	145	2	tobit	tobit	NOUN
fsr-4060	145	3	model	model	NOUN
fsr-4060	145	4	is	be	AUX
fsr-4060	145	5	particularly	particularly	ADV
fsr-4060	145	6	suitable	suitable	ADJ
fsr-4060	145	7	for	for	ADP
fsr-4060	145	8	this	this	DET
fsr-4060	145	9	analysis	analysis	NOUN
fsr-4060	145	10	because	because	SCONJ
fsr-4060	145	11	it	it	PRON
fsr-4060	145	12	addresses	address	VERB
fsr-4060	145	13	the	the	DET
fsr-4060	145	14	unique	unique	ADJ
fsr-4060	145	15	characteristics	characteristic	NOUN
fsr-4060	145	16	of	of	ADP
fsr-4060	145	17	the	the	DET
fsr-4060	145	18	sample	sample	NOUN
fsr-4060	145	19	,	,	PUNCT
fsr-4060	145	20	which	which	PRON
fsr-4060	145	21	includes	include	VERB
fsr-4060	145	22	both	both	DET
fsr-4060	145	23	students	student	NOUN
fsr-4060	145	24	who	who	PRON
fsr-4060	145	25	are	be	AUX
fsr-4060	145	26	unwilling	unwilling	ADJ
fsr-4060	145	27	to	to	PART
fsr-4060	145	28	borrow	borrow	VERB
fsr-4060	145	29	and	and	CCONJ
fsr-4060	145	30	those	those	PRON
fsr-4060	145	31	who	who	PRON
fsr-4060	145	32	are	be	AUX
fsr-4060	145	33	willing	willing	ADJ
fsr-4060	145	34	to	to	PART
fsr-4060	145	35	borrow	borrow	VERB
fsr-4060	145	36	.	.	PUNCT
fsr-4060	146	1	in	in	ADP
fsr-4060	146	2	this	this	DET
fsr-4060	146	3	context	context	NOUN
fsr-4060	146	4	,	,	PUNCT
fsr-4060	146	5	the	the	DET
fsr-4060	146	6	dependent	dependent	ADJ
fsr-4060	146	7	variable	variable	NOUN
fsr-4060	146	8	—	—	PUNCT
fsr-4060	146	9	how	how	SCONJ
fsr-4060	146	10	much	much	ADJ
fsr-4060	146	11	students	student	NOUN
fsr-4060	146	12	are	be	AUX
fsr-4060	146	13	willing	willing	ADJ
fsr-4060	146	14	to	to	PART
fsr-4060	146	15	borrow	borrow	VERB
fsr-4060	146	16	—	—	PUNCT
fsr-4060	146	17	is	be	AUX
fsr-4060	146	18	censored	censor	VERB
fsr-4060	146	19	at	at	ADP
fsr-4060	146	20	zero	zero	NUM
fsr-4060	146	21	;	;	PUNCT
fsr-4060	146	22	that	that	PRON
fsr-4060	146	23	is	is	ADV
fsr-4060	146	24	,	,	PUNCT
fsr-4060	146	25	for	for	ADP
fsr-4060	146	26	those	those	PRON
fsr-4060	146	27	who	who	PRON
fsr-4060	146	28	choose	choose	VERB
fsr-4060	146	29	not	not	PART
fsr-4060	146	30	to	to	PART
fsr-4060	146	31	borrow	borrow	VERB
fsr-4060	146	32	,	,	PUNCT
fsr-4060	146	33	the	the	DET
fsr-4060	146	34	amount	amount	NOUN
fsr-4060	146	35	is	be	AUX
fsr-4060	146	36	not	not	PART
fsr-4060	146	37	just	just	ADV
fsr-4060	146	38	unobserved	unobserved	ADJ
fsr-4060	146	39	but	but	CCONJ
fsr-4060	146	40	is	be	AUX
fsr-4060	146	41	actually	actually	ADV
fsr-4060	146	42	zero	zero	NUM
fsr-4060	146	43	.	.	PUNCT
fsr-4060	147	1	by	by	ADP
fsr-4060	147	2	employing	employ	VERB
fsr-4060	147	3	a	a	DET
fsr-4060	147	4	tobit	tobit	NOUN
fsr-4060	147	5	model	model	NOUN
fsr-4060	147	6	,	,	PUNCT
fsr-4060	147	7	we	we	PRON
fsr-4060	147	8	can	can	AUX
fsr-4060	147	9	simultaneously	simultaneously	ADV
fsr-4060	147	10	capture	capture	VERB
fsr-4060	147	11	two	two	NUM
fsr-4060	147	12	critical	critical	ADJ
fsr-4060	147	13	aspects	aspect	NOUN
fsr-4060	147	14	of	of	ADP
fsr-4060	147	15	borrowing	borrowing	NOUN
fsr-4060	147	16	behavior	behavior	NOUN
fsr-4060	147	17	–	–	PUNCT
fsr-4060	147	18	the	the	DET
fsr-4060	147	19	decision	decision	NOUN
fsr-4060	147	20	to	to	PART
fsr-4060	147	21	borrow	borrow	VERB
fsr-4060	147	22	and	and	CCONJ
fsr-4060	147	23	the	the	DET
fsr-4060	147	24	extent	extent	NOUN
fsr-4060	147	25	of	of	ADP
fsr-4060	147	26	borrowing	borrowing	NOUN
fsr-4060	147	27	.	.	PUNCT
fsr-4060	148	1	marginal	marginal	ADJ
fsr-4060	148	2	effects	effect	NOUN
fsr-4060	148	3	are	be	AUX
fsr-4060	148	4	calculated	calculate	VERB
fsr-4060	148	5	to	to	PART
fsr-4060	148	6	reflect	reflect	VERB
fsr-4060	148	7	the	the	DET
fsr-4060	148	8	change	change	NOUN
fsr-4060	148	9	in	in	ADP
fsr-4060	148	10	the	the	DET
fsr-4060	148	11	average	average	ADJ
fsr-4060	148	12	amount	amount	NOUN
fsr-4060	148	13	someone	someone	PRON
fsr-4060	148	14	is	be	AUX
fsr-4060	148	15	willing	willing	ADJ
fsr-4060	148	16	to	to	PART
fsr-4060	148	17	borrow	borrow	VERB
fsr-4060	148	18	,	,	PUNCT
fsr-4060	148	19	including	include	VERB
fsr-4060	148	20	both	both	CCONJ
fsr-4060	148	21	those	those	PRON
fsr-4060	148	22	who	who	PRON
fsr-4060	148	23	are	be	AUX
fsr-4060	148	24	willing	willing	ADJ
fsr-4060	148	25	to	to	PART
fsr-4060	148	26	borrow	borrow	VERB
fsr-4060	148	27	(	(	PUNCT
fsr-4060	148	28	uncensored	uncensored	ADJ
fsr-4060	148	29	)	)	PUNCT
fsr-4060	148	30	and	and	CCONJ
fsr-4060	148	31	those	those	PRON
fsr-4060	148	32	who	who	PRON
fsr-4060	148	33	are	be	AUX
fsr-4060	148	34	not	not	PART
fsr-4060	148	35	(	(	PUNCT
fsr-4060	148	36	censored	censor	VERB
fsr-4060	148	37	at	at	ADP
fsr-4060	148	38	zero	zero	NUM
fsr-4060	148	39	)	)	PUNCT
fsr-4060	148	40	.	.	PUNCT
fsr-4060	149	1	we	we	PRON
fsr-4060	149	2	use	use	VERB
fsr-4060	149	3	the	the	DET
fsr-4060	149	4	following	follow	VERB
fsr-4060	149	5	tobit	tobit	NOUN
fsr-4060	149	6	model	model	NOUN
fsr-4060	149	7	to	to	PART
fsr-4060	149	8	analyze	analyze	VERB
fsr-4060	149	9	the	the	DET
fsr-4060	149	10	amount	amount	NOUN
fsr-4060	149	11	a	a	DET
fsr-4060	149	12	student	student	NOUN
fsr-4060	149	13	is	be	AUX
fsr-4060	149	14	willing	willing	ADJ
fsr-4060	149	15	to	to	PART
fsr-4060	149	16	borrow	borrow	VERB
fsr-4060	149	17	for	for	ADP
fsr-4060	149	18	higher	high	ADJ
fsr-4060	149	19	education	education	NOUN
fsr-4060	149	20	.	.	PUNCT
fsr-4060	150	1	𝑀𝑖	𝑀𝑖	PROPN
fsr-4060	150	2	=	=	SYM
fsr-4060	150	3	𝛽0	𝛽0	PROPN
fsr-4060	150	4	+	+	CCONJ
fsr-4060	151	1	𝑋𝛽	𝑋𝛽	PROPN
fsr-4060	151	2	+	+	NUM
fsr-4060	151	3	𝑢	𝑢	X
fsr-4060	151	4	[	[	X
fsr-4060	151	5	4	4	NUM
fsr-4060	151	6	]	]	PUNCT
fsr-4060	151	7	where	where	SCONJ
fsr-4060	151	8	𝑢|𝑋	𝑢|𝑋	PROPN
fsr-4060	151	9	~𝑁	~𝑁	PUNCT
fsr-4060	151	10	(	(	PUNCT
fsr-4060	151	11	0	0	NUM
fsr-4060	151	12	,	,	PUNCT
fsr-4060	151	13	𝜎2	𝜎2	NOUN
fsr-4060	151	14	)	)	PUNCT
fsr-4060	151	15	𝑀	𝑀	PROPN
fsr-4060	152	1	=	=	PUNCT
fsr-4060	152	2	{	{	PUNCT
fsr-4060	153	1	𝑀𝑖	𝑀𝑖	PROPN
fsr-4060	153	2	𝑖𝑓𝑀𝑖	𝑖𝑓𝑀𝑖	X
fsr-4060	153	3	>	>	X
fsr-4060	153	4	0	0	NUM
fsr-4060	153	5	0	0	NUM
fsr-4060	154	1	𝑖𝑓	𝑖𝑓	ADP
fsr-4060	154	2	𝑀𝑖	𝑀𝑖	PROPN
fsr-4060	154	3	≤	≤	PROPN
fsr-4060	154	4	0	0	NUM
fsr-4060	154	5	independent	independent	ADJ
fsr-4060	154	6	variables	variable	NOUN
fsr-4060	154	7	the	the	DET
fsr-4060	154	8	independent	independent	ADJ
fsr-4060	154	9	variables	variable	NOUN
fsr-4060	154	10	include	include	VERB
fsr-4060	154	11	control	control	NOUN
fsr-4060	154	12	variables	variable	NOUN
fsr-4060	154	13	,	,	PUNCT
fsr-4060	154	14	cost	cost	NOUN
fsr-4060	154	15	variables	variable	NOUN
fsr-4060	154	16	,	,	PUNCT
fsr-4060	154	17	educational	educational	ADJ
fsr-4060	154	18	goal	goal	NOUN
fsr-4060	154	19	variables	variable	NOUN
fsr-4060	154	20	,	,	PUNCT
fsr-4060	154	21	current	current	ADJ
fsr-4060	154	22	income	income	NOUN
fsr-4060	154	23	,	,	PUNCT
fsr-4060	154	24	and	and	CCONJ
fsr-4060	154	25	financial	financial	ADJ
fsr-4060	154	26	support	support	NOUN
fsr-4060	154	27	variables	variable	NOUN
fsr-4060	154	28	.	.	PUNCT
fsr-4060	155	1	several	several	ADJ
fsr-4060	155	2	variables	variable	NOUN
fsr-4060	155	3	control	control	NOUN
fsr-4060	155	4	for	for	ADP
fsr-4060	155	5	student	student	NOUN
fsr-4060	155	6	characteristics	characteristic	NOUN
fsr-4060	155	7	such	such	ADJ
fsr-4060	155	8	as	as	ADP
fsr-4060	155	9	students	student	NOUN
fsr-4060	155	10	’	'	PUNCT
fsr-4060	155	11	class	class	NOUN
fsr-4060	155	12	rank	rank	NOUN
fsr-4060	155	13	,	,	PUNCT
fsr-4060	155	14	gender	gender	NOUN
fsr-4060	155	15	,	,	PUNCT
fsr-4060	155	16	race	race	NOUN
fsr-4060	155	17	/	/	SYM
fsr-4060	155	18	ethnicity	ethnicity	NOUN
fsr-4060	155	19	,	,	PUNCT
fsr-4060	155	20	and	and	CCONJ
fsr-4060	155	21	whether	whether	SCONJ
fsr-4060	155	22	or	or	CCONJ
fsr-4060	155	23	not	not	PART
fsr-4060	155	24	they	they	PRON
fsr-4060	155	25	are	be	AUX
fsr-4060	155	26	first	first	ADJ
fsr-4060	155	27	generation	generation	NOUN
fsr-4060	155	28	or	or	CCONJ
fsr-4060	155	29	nontraditional	nontraditional	ADJ
fsr-4060	155	30	students	student	NOUN
fsr-4060	155	31	.	.	PUNCT
fsr-4060	156	1	research	research	NOUN
fsr-4060	156	2	has	have	AUX
fsr-4060	156	3	documented	document	VERB
fsr-4060	156	4	earnings	earning	NOUN
fsr-4060	156	5	gaps	gap	NOUN
fsr-4060	156	6	between	between	ADP
fsr-4060	156	7	men	man	NOUN
fsr-4060	156	8	and	and	CCONJ
fsr-4060	156	9	women	woman	NOUN
fsr-4060	156	10	and	and	CCONJ
fsr-4060	156	11	between	between	ADP
fsr-4060	156	12	white	white	ADJ
fsr-4060	156	13	and	and	CCONJ
fsr-4060	156	14	racial	racial	ADJ
fsr-4060	156	15	/	/	SYM
fsr-4060	156	16	ethnic	ethnic	ADJ
fsr-4060	156	17	minorities	minority	NOUN
fsr-4060	156	18	.	.	PUNCT
fsr-4060	157	1	therefore	therefore	ADV
fsr-4060	157	2	,	,	PUNCT
fsr-4060	157	3	women	woman	NOUN
fsr-4060	157	4	and	and	CCONJ
fsr-4060	157	5	non	non	ADJ
fsr-4060	157	6	-	-	ADJ
fsr-4060	157	7	white	white	ADJ
fsr-4060	157	8	students	student	NOUN
fsr-4060	157	9	may	may	AUX
fsr-4060	157	10	be	be	AUX
fsr-4060	157	11	less	less	ADV
fsr-4060	157	12	willing	willing	ADJ
fsr-4060	157	13	to	to	PART
fsr-4060	157	14	borrow	borrow	VERB
fsr-4060	157	15	than	than	ADP
fsr-4060	157	16	men	man	NOUN
fsr-4060	157	17	and	and	CCONJ
fsr-4060	157	18	white	white	ADJ
fsr-4060	157	19	students	student	NOUN
fsr-4060	157	20	.	.	PUNCT
fsr-4060	158	1	dummy	dummy	ADJ
fsr-4060	158	2	variables	variable	NOUN
fsr-4060	158	3	of	of	ADP
fsr-4060	158	4	“	"	PUNCT
fsr-4060	158	5	male	male	ADJ
fsr-4060	158	6	,	,	PUNCT
fsr-4060	158	7	”	"	PUNCT
fsr-4060	158	8	“	"	PUNCT
fsr-4060	158	9	female	female	ADJ
fsr-4060	158	10	,	,	PUNCT
fsr-4060	158	11	”	"	PUNCT
fsr-4060	158	12	and	and	CCONJ
fsr-4060	158	13	“	"	PUNCT
fsr-4060	158	14	other	other	ADJ
fsr-4060	158	15	or	or	CCONJ
fsr-4060	158	16	prefer	prefer	VERB
fsr-4060	158	17	not	not	PART
fsr-4060	158	18	to	to	PART
fsr-4060	158	19	say	say	VERB
fsr-4060	158	20	”	"	PUNCT
fsr-4060	158	21	were	be	AUX
fsr-4060	158	22	created	create	VERB
fsr-4060	158	23	for	for	ADP
fsr-4060	158	24	students	student	NOUN
fsr-4060	158	25	’	'	PUNCT
fsr-4060	158	26	gender	gender	NOUN
fsr-4060	158	27	,	,	PUNCT
fsr-4060	158	28	with	with	ADP
fsr-4060	158	29	“	"	PUNCT
fsr-4060	158	30	male	male	NOUN
fsr-4060	158	31	”	"	PUNCT
fsr-4060	158	32	coded	code	VERB
fsr-4060	158	33	as	as	ADP
fsr-4060	158	34	the	the	DET
fsr-4060	158	35	reference	reference	NOUN
fsr-4060	158	36	category	category	NOUN
fsr-4060	158	37	.	.	PUNCT
fsr-4060	159	1	dummy	dummy	ADJ
fsr-4060	159	2	variables	variable	NOUN
fsr-4060	159	3	of	of	ADP
fsr-4060	159	4	“	"	PUNCT
fsr-4060	159	5	white	white	ADJ
fsr-4060	159	6	,	,	PUNCT
fsr-4060	159	7	”	"	PUNCT
fsr-4060	159	8	“	"	PUNCT
fsr-4060	159	9	black	black	ADJ
fsr-4060	159	10	,	,	PUNCT
fsr-4060	159	11	”	"	PUNCT
fsr-4060	159	12	“	"	PUNCT
fsr-4060	159	13	hispanic	hispanic	ADJ
fsr-4060	159	14	,	,	PUNCT
fsr-4060	159	15	”	"	PUNCT
fsr-4060	159	16	“	"	PUNCT
fsr-4060	159	17	asian	asian	ADJ
fsr-4060	159	18	,	,	PUNCT
fsr-4060	159	19	”	"	PUNCT
fsr-4060	159	20	and	and	CCONJ
fsr-4060	159	21	“	"	PUNCT
fsr-4060	159	22	other	other	ADJ
fsr-4060	159	23	”	"	PUNCT
fsr-4060	159	24	were	be	AUX
fsr-4060	159	25	created	create	VERB
fsr-4060	159	26	for	for	ADP
fsr-4060	159	27	students	student	NOUN
fsr-4060	159	28	’	'	PUNCT
fsr-4060	159	29	racial	racial	ADJ
fsr-4060	159	30	/	/	SYM
fsr-4060	159	31	ethnic	ethnic	ADJ
fsr-4060	159	32	identities	identity	NOUN
fsr-4060	159	33	,	,	PUNCT
fsr-4060	159	34	with	with	ADP
fsr-4060	159	35	“	"	PUNCT
fsr-4060	159	36	whites	white	NOUN
fsr-4060	159	37	”	"	PUNCT
fsr-4060	159	38	coded	code	VERB
fsr-4060	159	39	as	as	ADP
fsr-4060	159	40	the	the	DET
fsr-4060	159	41	reference	reference	NOUN
fsr-4060	159	42	category	category	NOUN
fsr-4060	159	43	.	.	PUNCT
fsr-4060	160	1	dummy	dummy	ADJ
fsr-4060	160	2	variables	variable	NOUN
fsr-4060	160	3	of	of	ADP
fsr-4060	160	4	“	"	PUNCT
fsr-4060	160	5	year	year	NOUN
fsr-4060	160	6	1	1	NUM
fsr-4060	160	7	,	,	PUNCT
fsr-4060	160	8	”	"	PUNCT
fsr-4060	160	9	“	"	PUNCT
fsr-4060	160	10	year	year	NOUN
fsr-4060	160	11	2	2	NUM
fsr-4060	160	12	,	,	PUNCT
fsr-4060	160	13	”	"	PUNCT
fsr-4060	160	14	“	"	PUNCT
fsr-4060	160	15	year	year	NOUN
fsr-4060	160	16	3	3	NUM
fsr-4060	160	17	,	,	PUNCT
fsr-4060	160	18	”	"	PUNCT
fsr-4060	160	19	“	"	PUNCT
fsr-4060	160	20	year	year	NOUN
fsr-4060	160	21	4	4	NUM
fsr-4060	160	22	,	,	PUNCT
fsr-4060	160	23	”	"	PUNCT
fsr-4060	160	24	and	and	CCONJ
fsr-4060	160	25	“	"	PUNCT
fsr-4060	160	26	more	more	ADJ
fsr-4060	160	27	than	than	ADP
fsr-4060	160	28	4	4	NUM
fsr-4060	160	29	”	"	PUNCT
fsr-4060	160	30	were	be	AUX
fsr-4060	160	31	created	create	VERB
fsr-4060	160	32	for	for	ADP
fsr-4060	160	33	students	student	NOUN
fsr-4060	160	34	’	'	PUNCT
fsr-4060	160	35	class	class	NOUN
fsr-4060	160	36	rank	rank	NOUN
fsr-4060	160	37	and	and	CCONJ
fsr-4060	160	38	“	"	PUNCT
fsr-4060	160	39	year	year	NOUN
fsr-4060	160	40	1	1	NUM
fsr-4060	160	41	”	"	PUNCT
fsr-4060	160	42	was	be	AUX
fsr-4060	160	43	used	use	VERB
fsr-4060	160	44	as	as	ADP
fsr-4060	160	45	a	a	DET
fsr-4060	160	46	reference	reference	NOUN
fsr-4060	160	47	category	category	NOUN
fsr-4060	160	48	.	.	PUNCT
fsr-4060	161	1	a	a	DET
fsr-4060	161	2	student	student	NOUN
fsr-4060	161	3	is	be	AUX
fsr-4060	161	4	considered	consider	VERB
fsr-4060	161	5	first	first	ADJ
fsr-4060	161	6	generation	generation	NOUN
fsr-4060	161	7	if	if	SCONJ
fsr-4060	161	8	the	the	DET
fsr-4060	161	9	student	student	NOUN
fsr-4060	161	10	reported	report	VERB
fsr-4060	161	11	that	that	SCONJ
fsr-4060	161	12	the	the	DET
fsr-4060	161	13	highest	high	ADJ
fsr-4060	161	14	level	level	NOUN
fsr-4060	161	15	of	of	ADP
fsr-4060	161	16	educational	educational	ADJ
fsr-4060	161	17	attainment	attainment	NOUN
fsr-4060	161	18	of	of	ADP
fsr-4060	161	19	their	their	PRON
fsr-4060	161	20	parent	parent	NOUN
fsr-4060	161	21	/	/	SYM
fsr-4060	161	22	guardian	guardian	NOUN
fsr-4060	161	23	was	be	AUX
fsr-4060	161	24	less	less	ADJ
fsr-4060	161	25	than	than	ADP
fsr-4060	161	26	a	a	DET
fsr-4060	161	27	bachelor	bachelor	NOUN
fsr-4060	161	28	’s	’s	PART
fsr-4060	161	29	degree	degree	NOUN
fsr-4060	161	30	.	.	PUNCT
fsr-4060	162	1	a	a	DET
fsr-4060	162	2	nontraditional	nontraditional	ADJ
fsr-4060	162	3	student	student	NOUN
fsr-4060	162	4	is	be	AUX
fsr-4060	162	5	coded	code	VERB
fsr-4060	162	6	as	as	ADV
fsr-4060	162	7	such	such	ADJ
fsr-4060	162	8	if	if	SCONJ
fsr-4060	162	9	they	they	PRON
fsr-4060	162	10	report	report	VERB
fsr-4060	162	11	supporting	support	VERB
fsr-4060	162	12	a	a	DET
fsr-4060	162	13	child	child	NOUN
fsr-4060	162	14	or	or	CCONJ
fsr-4060	162	15	family	family	NOUN
fsr-4060	162	16	member(s	member(s	NOUN
fsr-4060	162	17	)	)	PUNCT
fsr-4060	162	18	or	or	CCONJ
fsr-4060	162	19	if	if	SCONJ
fsr-4060	162	20	they	they	PRON
fsr-4060	162	21	are	be	AUX
fsr-4060	162	22	at	at	ADV
fsr-4060	162	23	least	least	ADJ
fsr-4060	162	24	24	24	NUM
fsr-4060	162	25	years	year	NOUN
fsr-4060	162	26	old	old	ADJ
fsr-4060	162	27	.	.	PUNCT
fsr-4060	163	1	cost	cost	NOUN
fsr-4060	163	2	.	.	PUNCT
fsr-4060	164	1	the	the	DET
fsr-4060	164	2	cost	cost	NOUN
fsr-4060	164	3	-	-	PUNCT
fsr-4060	164	4	related	relate	VERB
fsr-4060	164	5	variables	variable	NOUN
fsr-4060	164	6	are	be	AUX
fsr-4060	164	7	the	the	DET
fsr-4060	164	8	net	net	ADJ
fsr-4060	164	9	price	price	NOUN
fsr-4060	164	10	for	for	ADP
fsr-4060	164	11	an	an	DET
fsr-4060	164	12	undergraduate	undergraduate	NOUN
fsr-4060	164	13	degree	degree	NOUN
fsr-4060	164	14	and	and	CCONJ
fsr-4060	164	15	an	an	DET
fsr-4060	164	16	indicator	indicator	NOUN
fsr-4060	164	17	for	for	ADP
fsr-4060	164	18	tuition	tuition	NOUN
fsr-4060	164	19	type	type	NOUN
fsr-4060	164	20	.	.	PUNCT
fsr-4060	165	1	the	the	DET
fsr-4060	165	2	net	net	ADJ
fsr-4060	165	3	price	price	NOUN
fsr-4060	165	4	variable	variable	NOUN
fsr-4060	165	5	comes	come	VERB
fsr-4060	165	6	from	from	ADP
fsr-4060	165	7	the	the	DET
fsr-4060	165	8	matched	match	VERB
fsr-4060	165	9	ipeds	iped	NOUN
fsr-4060	165	10	data	datum	NOUN
fsr-4060	165	11	.	.	PUNCT
fsr-4060	166	1	net	net	ADJ
fsr-4060	166	2	price	price	NOUN
fsr-4060	166	3	means	mean	VERB
fsr-4060	166	4	the	the	DET
fsr-4060	166	5	amount	amount	NOUN
fsr-4060	166	6	that	that	PRON
fsr-4060	166	7	a	a	DET
fsr-4060	166	8	student	student	NOUN
fsr-4060	166	9	pays	pay	VERB
fsr-4060	166	10	to	to	PART
fsr-4060	166	11	attend	attend	VERB
fsr-4060	166	12	an	an	DET
fsr-4060	166	13	institution	institution	NOUN
fsr-4060	166	14	(	(	PUNCT
fsr-4060	166	15	tuition	tuition	NOUN
fsr-4060	166	16	and	and	CCONJ
fsr-4060	166	17	room	room	NOUN
fsr-4060	166	18	and	and	CCONJ
fsr-4060	166	19	board	board	NOUN
fsr-4060	166	20	)	)	PUNCT
fsr-4060	166	21	after	after	ADP
fsr-4060	166	22	adjusting	adjust	VERB
fsr-4060	166	23	for	for	ADP
fsr-4060	166	24	scholarships	scholarship	NOUN
fsr-4060	166	25	and	and	CCONJ
fsr-4060	166	26	grants	grant	NOUN
fsr-4060	166	27	.	.	PUNCT
fsr-4060	167	1	while	while	SCONJ
fsr-4060	167	2	we	we	PRON
fsr-4060	167	3	do	do	AUX
fsr-4060	167	4	not	not	PART
fsr-4060	167	5	directly	directly	ADV
fsr-4060	167	6	observe	observe	VERB
fsr-4060	167	7	the	the	DET
fsr-4060	167	8	actual	actual	ADJ
fsr-4060	167	9	amount	amount	NOUN
fsr-4060	167	10	a	a	DET
fsr-4060	167	11	student	student	NOUN
fsr-4060	167	12	pays	pay	VERB
fsr-4060	167	13	for	for	ADP
fsr-4060	167	14	tuition	tuition	NOUN
fsr-4060	167	15	,	,	PUNCT
fsr-4060	167	16	we	we	PRON
fsr-4060	167	17	believe	believe	VERB
fsr-4060	167	18	using	use	VERB
fsr-4060	167	19	the	the	DET
fsr-4060	167	20	average	average	ADJ
fsr-4060	167	21	net	net	ADJ
fsr-4060	167	22	price	price	NOUN
fsr-4060	167	23	of	of	ADP
fsr-4060	167	24	the	the	DET
fsr-4060	167	25	institution	institution	NOUN
fsr-4060	167	26	where	where	SCONJ
fsr-4060	167	27	they	they	PRON
fsr-4060	167	28	are	be	AUX
fsr-4060	167	29	enrolled	enrol	VERB
fsr-4060	167	30	is	be	AUX
fsr-4060	167	31	a	a	DET
fsr-4060	167	32	good	good	ADJ
fsr-4060	167	33	proxy	proxy	NOUN
fsr-4060	167	34	for	for	ADP
fsr-4060	167	35	cost	cost	NOUN
fsr-4060	167	36	of	of	ADP
fsr-4060	167	37	attendance	attendance	NOUN
fsr-4060	167	38	since	since	SCONJ
fsr-4060	167	39	majority	majority	NOUN
fsr-4060	167	40	of	of	ADP
fsr-4060	167	41	full	full	ADJ
fsr-4060	167	42	-	-	PUNCT
fsr-4060	167	43	time	time	NOUN
fsr-4060	167	44	undergraduate	undergraduate	NOUN
fsr-4060	167	45	students	student	NOUN
fsr-4060	167	46	receive	receive	VERB
fsr-4060	167	47	aid	aid	NOUN
fsr-4060	167	48	(	(	PUNCT
fsr-4060	167	49	college	college	NOUN
fsr-4060	167	50	board	board	NOUN
fsr-4060	167	51	,	,	PUNCT
fsr-4060	167	52	2023	2023	NUM
fsr-4060	167	53	)	)	PUNCT
fsr-4060	167	54	.	.	PUNCT
fsr-4060	168	1	the	the	DET
fsr-4060	168	2	tuition	tuition	NOUN
fsr-4060	168	3	type	type	NOUN
fsr-4060	168	4	variable	variable	NOUN
fsr-4060	168	5	was	be	AUX
fsr-4060	168	6	created	create	VERB
fsr-4060	168	7	using	use	VERB
fsr-4060	168	8	the	the	DET
fsr-4060	168	9	two	two	NUM
fsr-4060	168	10	variables	variable	NOUN
fsr-4060	168	11	from	from	ADP
fsr-4060	168	12	scfw	scfw	NOUN
fsr-4060	168	13	–	–	PUNCT
fsr-4060	168	14	the	the	DET
fsr-4060	168	15	administrative	administrative	ADJ
fsr-4060	168	16	variable	variable	NOUN
fsr-4060	168	17	on	on	ADP
fsr-4060	168	18	whether	whether	SCONJ
fsr-4060	168	19	the	the	DET
fsr-4060	168	20	institution	institution	NOUN
fsr-4060	168	21	is	be	AUX
fsr-4060	168	22	public	public	ADJ
fsr-4060	168	23	or	or	CCONJ
fsr-4060	168	24	private	private	ADJ
fsr-4060	168	25	and	and	CCONJ
fsr-4060	168	26	the	the	DET
fsr-4060	168	27	respondents	respondent	NOUN
fsr-4060	168	28	’	’	PART
fsr-4060	168	29	response	response	NOUN
fsr-4060	168	30	to	to	ADP
fsr-4060	168	31	whether	whether	SCONJ
fsr-4060	168	32	they	they	PRON
fsr-4060	168	33	qualify	qualify	VERB
fsr-4060	168	34	for	for	ADP
fsr-4060	168	35	in	in	ADP
fsr-4060	168	36	-	-	PUNCT
fsr-4060	168	37	state	state	NOUN
fsr-4060	168	38	tuition	tuition	NOUN
fsr-4060	168	39	or	or	CCONJ
fsr-4060	168	40	out	out	ADV
fsr-4060	168	41	-	-	PUNCT
fsr-4060	168	42	of	of	ADP
fsr-4060	168	43	-	-	PUNCT
fsr-4060	168	44	state	state	NOUN
fsr-4060	168	45	tuition	tuition	NOUN
fsr-4060	168	46	(	(	PUNCT
fsr-4060	168	47	including	include	VERB
fsr-4060	168	48	international	international	ADJ
fsr-4060	168	49	student	student	NOUN
fsr-4060	168	50	tuition	tuition	NOUN
fsr-4060	168	51	)	)	PUNCT
fsr-4060	168	52	.	.	PUNCT
fsr-4060	169	1	one	one	NUM
fsr-4060	169	2	variable	variable	NOUN
fsr-4060	169	3	for	for	ADP
fsr-4060	169	4	tuition	tuition	NOUN
fsr-4060	169	5	type	type	NOUN
fsr-4060	169	6	was	be	AUX
fsr-4060	169	7	created	create	VERB
fsr-4060	169	8	with	with	ADP
fsr-4060	169	9	three	three	NUM
fsr-4060	169	10	categories	category	NOUN
fsr-4060	169	11	of	of	ADP
fsr-4060	169	12	1	1	NUM
fsr-4060	169	13	)	)	PUNCT
fsr-4060	169	14	public	public	ADJ
fsr-4060	169	15	in	in	ADP
fsr-4060	169	16	-	-	PUNCT
fsr-4060	169	17	state	state	NOUN
fsr-4060	169	18	,	,	PUNCT
fsr-4060	169	19	2	2	X
fsr-4060	169	20	)	)	PUNCT
fsr-4060	169	21	public	public	ADJ
fsr-4060	169	22	out	out	ADV
fsr-4060	169	23	-	-	PUNCT
fsr-4060	169	24	of	of	ADP
fsr-4060	169	25	-	-	PUNCT
fsr-4060	169	26	state	state	NOUN
fsr-4060	169	27	,	,	PUNCT
fsr-4060	169	28	and	and	CCONJ
fsr-4060	169	29	3	3	X
fsr-4060	169	30	)	)	PUNCT
fsr-4060	169	31	private	private	ADJ
fsr-4060	169	32	.	.	PUNCT
fsr-4060	170	1	educational	educational	ADJ
fsr-4060	170	2	goals	goal	NOUN
fsr-4060	170	3	.	.	PUNCT
fsr-4060	171	1	variables	variable	NOUN
fsr-4060	171	2	expected	expect	VERB
fsr-4060	171	3	to	to	PART
fsr-4060	171	4	influence	influence	VERB
fsr-4060	171	5	the	the	DET
fsr-4060	171	6	optimal	optimal	ADJ
fsr-4060	171	7	amount	amount	NOUN
fsr-4060	171	8	of	of	ADP
fsr-4060	171	9	borrowing	borrowing	NOUN
fsr-4060	171	10	for	for	ADP
fsr-4060	171	11	education	education	NOUN
fsr-4060	171	12	include	include	VERB
fsr-4060	171	13	gpa	gpa	PROPN
fsr-4060	171	14	,	,	PUNCT
fsr-4060	171	15	major	major	ADJ
fsr-4060	171	16	,	,	PUNCT
fsr-4060	171	17	planned	plan	VERB
fsr-4060	171	18	educational	educational	ADJ
fsr-4060	171	19	attainment	attainment	NOUN
fsr-4060	171	20	,	,	PUNCT
fsr-4060	171	21	and	and	CCONJ
fsr-4060	171	22	student	student	NOUN
fsr-4060	171	23	perception	perception	NOUN
fsr-4060	171	24	of	of	ADP
fsr-4060	171	25	tuition	tuition	NOUN
fsr-4060	171	26	as	as	ADP
fsr-4060	171	27	an	an	DET
fsr-4060	171	28	investment	investment	NOUN
fsr-4060	171	29	.	.	PUNCT
fsr-4060	172	1	the	the	DET
fsr-4060	172	2	variable	variable	NOUN
fsr-4060	172	3	used	use	VERB
fsr-4060	172	4	for	for	ADP
fsr-4060	172	5	gpa	gpa	PROPN
fsr-4060	172	6	is	be	AUX
fsr-4060	172	7	the	the	DET
fsr-4060	172	8	student	student	NOUN
fsr-4060	172	9	’s	’s	PART
fsr-4060	172	10	self	self	NOUN
fsr-4060	172	11	-	-	PUNCT
fsr-4060	172	12	reported	report	VERB
fsr-4060	172	13	gpa	gpa	PROPN
fsr-4060	172	14	.	.	PUNCT
fsr-4060	173	1	after	after	ADP
fsr-4060	173	2	dropping	drop	VERB
fsr-4060	173	3	the	the	DET
fsr-4060	173	4	outliers	outlier	NOUN
fsr-4060	173	5	in	in	ADP
fsr-4060	173	6	gpa	gpa	PROPN
fsr-4060	173	7	values	value	NOUN
fsr-4060	173	8	(	(	PUNCT
fsr-4060	173	9	gpa	gpa	PROPN
fsr-4060	173	10	above	above	ADP
fsr-4060	173	11	heckman	heckman	PROPN
fsr-4060	173	12	et	et	PROPN
fsr-4060	173	13	al	al	PROPN
fsr-4060	173	14	.	.	PROPN
fsr-4060	173	15	81	81	NUM
fsr-4060	173	16	5.0	5.0	NUM
fsr-4060	173	17	)	)	PUNCT
fsr-4060	173	18	,	,	PUNCT
fsr-4060	173	19	gpa	gpa	PROPN
fsr-4060	173	20	variable	variable	NOUN
fsr-4060	173	21	ranges	range	VERB
fsr-4060	173	22	from	from	ADP
fsr-4060	173	23	0	0	NUM
fsr-4060	173	24	to	to	ADP
fsr-4060	173	25	4.93	4.93	NUM
fsr-4060	173	26	.	.	PUNCT
fsr-4060	174	1	binary	binary	ADJ
fsr-4060	174	2	variables	variable	NOUN
fsr-4060	174	3	were	be	AUX
fsr-4060	174	4	created	create	VERB
fsr-4060	174	5	to	to	PART
fsr-4060	174	6	indicate	indicate	VERB
fsr-4060	174	7	students	student	NOUN
fsr-4060	174	8	’	’	PART
fsr-4060	174	9	majors	major	NOUN
fsr-4060	174	10	based	base	VERB
fsr-4060	174	11	on	on	ADP
fsr-4060	174	12	responses	response	NOUN
fsr-4060	174	13	to	to	ADP
fsr-4060	174	14	the	the	DET
fsr-4060	174	15	broad	broad	ADJ
fsr-4060	174	16	category	category	NOUN
fsr-4060	174	17	of	of	ADP
fsr-4060	174	18	majors	major	NOUN
fsr-4060	174	19	.	.	PUNCT
fsr-4060	175	1	respondents	respondent	NOUN
fsr-4060	175	2	were	be	AUX
fsr-4060	175	3	able	able	ADJ
fsr-4060	175	4	to	to	PART
fsr-4060	175	5	select	select	VERB
fsr-4060	175	6	multiple	multiple	ADJ
fsr-4060	175	7	categories	category	NOUN
fsr-4060	175	8	from	from	ADP
fsr-4060	175	9	a	a	DET
fsr-4060	175	10	list	list	NOUN
fsr-4060	175	11	that	that	PRON
fsr-4060	175	12	includes	include	VERB
fsr-4060	175	13	1	1	NUM
fsr-4060	175	14	)	)	PUNCT
fsr-4060	175	15	arts	art	NOUN
fsr-4060	175	16	or	or	CCONJ
fsr-4060	175	17	humanities	humanity	NOUN
fsr-4060	175	18	,	,	PUNCT
fsr-4060	175	19	2	2	NUM
fsr-4060	175	20	)	)	PUNCT
fsr-4060	175	21	business	business	NOUN
fsr-4060	175	22	,	,	PUNCT
fsr-4060	175	23	3	3	X
fsr-4060	175	24	)	)	PUNCT
fsr-4060	175	25	education	education	NOUN
fsr-4060	175	26	,	,	PUNCT
fsr-4060	175	27	4	4	X
fsr-4060	175	28	)	)	PUNCT
fsr-4060	175	29	health	health	NOUN
fsr-4060	175	30	or	or	CCONJ
fsr-4060	175	31	medicine	medicine	NOUN
fsr-4060	175	32	,	,	PUNCT
fsr-4060	175	33	5	5	NUM
fsr-4060	175	34	)	)	PUNCT
fsr-4060	175	35	social	social	ADJ
fsr-4060	175	36	sciences	science	NOUN
fsr-4060	175	37	,	,	PUNCT
fsr-4060	175	38	6	6	NUM
fsr-4060	175	39	)	)	PUNCT
fsr-4060	175	40	stem	stem	NOUN
fsr-4060	175	41	(	(	PUNCT
fsr-4060	175	42	science	science	NOUN
fsr-4060	175	43	,	,	PUNCT
fsr-4060	175	44	engineering	engineering	NOUN
fsr-4060	175	45	,	,	PUNCT
fsr-4060	175	46	technology	technology	NOUN
fsr-4060	175	47	,	,	PUNCT
fsr-4060	175	48	or	or	CCONJ
fsr-4060	175	49	math	math	NOUN
fsr-4060	175	50	)	)	PUNCT
fsr-4060	175	51	,	,	PUNCT
fsr-4060	175	52	7	7	X
fsr-4060	175	53	)	)	PUNCT
fsr-4060	175	54	vocational	vocational	ADJ
fsr-4060	175	55	,	,	PUNCT
fsr-4060	175	56	and	and	CCONJ
fsr-4060	175	57	8)	8)	NUM
fsr-4060	175	58	other	other	ADJ
fsr-4060	175	59	.	.	PUNCT
fsr-4060	176	1	next	next	ADV
fsr-4060	176	2	,	,	PUNCT
fsr-4060	176	3	a	a	DET
fsr-4060	176	4	binary	binary	ADJ
fsr-4060	176	5	variable	variable	NOUN
fsr-4060	176	6	was	be	AUX
fsr-4060	176	7	created	create	VERB
fsr-4060	176	8	to	to	PART
fsr-4060	176	9	distinguish	distinguish	VERB
fsr-4060	176	10	those	those	PRON
fsr-4060	176	11	who	who	PRON
fsr-4060	176	12	strongly	strongly	ADV
fsr-4060	176	13	agree	agree	VERB
fsr-4060	176	14	or	or	CCONJ
fsr-4060	176	15	agree	agree	VERB
fsr-4060	176	16	that	that	SCONJ
fsr-4060	176	17	the	the	DET
fsr-4060	176	18	cost	cost	NOUN
fsr-4060	176	19	of	of	ADP
fsr-4060	176	20	tuition	tuition	NOUN
fsr-4060	176	21	is	be	AUX
fsr-4060	176	22	a	a	DET
fsr-4060	176	23	good	good	ADJ
fsr-4060	176	24	investment	investment	NOUN
fsr-4060	176	25	for	for	ADP
fsr-4060	176	26	their	their	PRON
fsr-4060	176	27	financial	financial	ADJ
fsr-4060	176	28	future	future	NOUN
fsr-4060	176	29	from	from	ADP
fsr-4060	176	30	those	those	PRON
fsr-4060	176	31	who	who	PRON
fsr-4060	176	32	disagree	disagree	VERB
fsr-4060	176	33	or	or	CCONJ
fsr-4060	176	34	strongly	strongly	ADV
fsr-4060	176	35	disagree	disagree	VERB
fsr-4060	176	36	.	.	PUNCT
fsr-4060	177	1	finally	finally	ADV
fsr-4060	177	2	,	,	PUNCT
fsr-4060	177	3	students	student	NOUN
fsr-4060	177	4	were	be	AUX
fsr-4060	177	5	asked	ask	VERB
fsr-4060	177	6	“	"	PUNCT
fsr-4060	177	7	what	what	DET
fsr-4060	177	8	type	type	NOUN
fsr-4060	177	9	of	of	ADP
fsr-4060	177	10	degree	degree	NOUN
fsr-4060	177	11	are	be	AUX
fsr-4060	177	12	you	you	PRON
fsr-4060	177	13	currently	currently	ADV
fsr-4060	177	14	pursuing	pursue	VERB
fsr-4060	177	15	?	?	PUNCT
fsr-4060	177	16	”	"	PUNCT
fsr-4060	178	1	and	and	CCONJ
fsr-4060	178	2	“	"	PUNCT
fsr-4060	178	3	what	what	PRON
fsr-4060	178	4	is	be	AUX
fsr-4060	178	5	the	the	DET
fsr-4060	178	6	highest	high	ADJ
fsr-4060	178	7	degree	degree	NOUN
fsr-4060	178	8	you	you	PRON
fsr-4060	178	9	plan	plan	VERB
fsr-4060	178	10	to	to	PART
fsr-4060	178	11	obtain	obtain	VERB
fsr-4060	178	12	?	?	PUNCT
fsr-4060	178	13	”	"	PUNCT
fsr-4060	179	1	the	the	DET
fsr-4060	179	2	options	option	NOUN
fsr-4060	179	3	for	for	ADP
fsr-4060	179	4	type	type	NOUN
fsr-4060	179	5	of	of	ADP
fsr-4060	179	6	degree	degree	NOUN
fsr-4060	179	7	they	they	PRON
fsr-4060	179	8	are	be	AUX
fsr-4060	179	9	currently	currently	ADV
fsr-4060	179	10	seeking	seek	VERB
fsr-4060	179	11	were	be	AUX
fsr-4060	179	12	“	"	PUNCT
fsr-4060	179	13	2	2	NUM
fsr-4060	179	14	-	-	PUNCT
fsr-4060	179	15	year	year	NOUN
fsr-4060	179	16	degree	degree	NOUN
fsr-4060	179	17	,	,	PUNCT
fsr-4060	179	18	”	"	PUNCT
fsr-4060	179	19	“	"	PUNCT
fsr-4060	179	20	4	4	NUM
fsr-4060	179	21	-	-	PUNCT
fsr-4060	179	22	year	year	NOUN
fsr-4060	179	23	degree	degree	NOUN
fsr-4060	179	24	,	,	PUNCT
fsr-4060	179	25	”	"	PUNCT
fsr-4060	179	26	“	"	PUNCT
fsr-4060	179	27	certificate	certificate	NOUN
fsr-4060	179	28	”	"	PUNCT
fsr-4060	179	29	and	and	CCONJ
fsr-4060	179	30	“	"	PUNCT
fsr-4060	179	31	other	other	ADJ
fsr-4060	179	32	.	.	PUNCT
fsr-4060	179	33	”	"	PUNCT
fsr-4060	180	1	a	a	DET
fsr-4060	180	2	categorical	categorical	ADJ
fsr-4060	180	3	variable	variable	NOUN
fsr-4060	180	4	was	be	AUX
fsr-4060	180	5	created	create	VERB
fsr-4060	180	6	to	to	PART
fsr-4060	180	7	indicate	indicate	VERB
fsr-4060	180	8	the	the	DET
fsr-4060	180	9	four	four	NUM
fsr-4060	180	10	categories	category	NOUN
fsr-4060	180	11	.	.	PUNCT
fsr-4060	181	1	if	if	SCONJ
fsr-4060	181	2	students	student	NOUN
fsr-4060	181	3	responded	respond	VERB
fsr-4060	181	4	to	to	ADP
fsr-4060	181	5	the	the	DET
fsr-4060	181	6	question	question	NOUN
fsr-4060	181	7	about	about	ADP
fsr-4060	181	8	the	the	DET
fsr-4060	181	9	highest	high	ADJ
fsr-4060	181	10	degree	degree	NOUN
fsr-4060	181	11	they	they	PRON
fsr-4060	181	12	planned	plan	VERB
fsr-4060	181	13	to	to	PART
fsr-4060	181	14	achieve	achieve	VERB
fsr-4060	181	15	with	with	ADP
fsr-4060	181	16	“	"	PUNCT
fsr-4060	181	17	master	master	NOUN
fsr-4060	181	18	’s	’s	PART
fsr-4060	181	19	”	"	PUNCT
fsr-4060	181	20	,	,	PUNCT
fsr-4060	181	21	“	"	PUNCT
fsr-4060	181	22	professional	professional	ADJ
fsr-4060	181	23	’	'	PUNCT
fsr-4060	181	24	,	,	PUNCT
fsr-4060	181	25	or	or	CCONJ
fsr-4060	181	26	‘	'	PUNCT
fsr-4060	181	27	doctoral	doctoral	ADJ
fsr-4060	181	28	,	,	PUNCT
fsr-4060	181	29	”	"	PUNCT
fsr-4060	181	30	the	the	DET
fsr-4060	181	31	graduate	graduate	NOUN
fsr-4060	181	32	school	school	NOUN
fsr-4060	181	33	variable	variable	NOUN
fsr-4060	181	34	is	be	AUX
fsr-4060	181	35	coded	code	VERB
fsr-4060	181	36	a	a	DET
fsr-4060	181	37	1	1	NUM
fsr-4060	181	38	,	,	PUNCT
fsr-4060	181	39	zero	zero	NUM
fsr-4060	181	40	if	if	SCONJ
fsr-4060	181	41	otherwise	otherwise	ADV
fsr-4060	181	42	.	.	PUNCT
fsr-4060	182	1	current	current	ADJ
fsr-4060	182	2	income	income	NOUN
fsr-4060	182	3	.	.	PUNCT
fsr-4060	183	1	students	student	NOUN
fsr-4060	183	2	were	be	AUX
fsr-4060	183	3	asked	ask	VERB
fsr-4060	183	4	how	how	SCONJ
fsr-4060	183	5	many	many	ADJ
fsr-4060	183	6	hours	hour	NOUN
fsr-4060	183	7	they	they	PRON
fsr-4060	183	8	work	work	VERB
fsr-4060	183	9	and	and	CCONJ
fsr-4060	183	10	the	the	DET
fsr-4060	183	11	hourly	hourly	ADJ
fsr-4060	183	12	rate	rate	NOUN
fsr-4060	183	13	they	they	PRON
fsr-4060	183	14	earn	earn	VERB
fsr-4060	183	15	.	.	PUNCT
fsr-4060	184	1	from	from	ADP
fsr-4060	184	2	those	those	DET
fsr-4060	184	3	questions	question	NOUN
fsr-4060	184	4	,	,	PUNCT
fsr-4060	184	5	we	we	PRON
fsr-4060	184	6	create	create	VERB
fsr-4060	184	7	two	two	NUM
fsr-4060	184	8	variables	variable	NOUN
fsr-4060	184	9	.	.	PUNCT
fsr-4060	185	1	one	one	NUM
fsr-4060	185	2	is	be	AUX
fsr-4060	185	3	created	create	VERB
fsr-4060	185	4	for	for	ADP
fsr-4060	185	5	employment	employment	NOUN
fsr-4060	185	6	(	(	PUNCT
fsr-4060	185	7	yes	yes	INTJ
fsr-4060	185	8	/	/	SYM
fsr-4060	185	9	no	no	NOUN
fsr-4060	185	10	)	)	PUNCT
fsr-4060	185	11	and	and	CCONJ
fsr-4060	185	12	the	the	DET
fsr-4060	185	13	other	other	ADJ
fsr-4060	185	14	is	be	AUX
fsr-4060	185	15	a	a	DET
fsr-4060	185	16	calculated	calculated	ADJ
fsr-4060	185	17	annual	annual	ADJ
fsr-4060	185	18	income	income	NOUN
fsr-4060	185	19	based	base	VERB
fsr-4060	185	20	on	on	ADP
fsr-4060	185	21	hours	hour	NOUN
fsr-4060	185	22	worked	work	VERB
fsr-4060	185	23	and	and	CCONJ
fsr-4060	185	24	hourly	hourly	ADJ
fsr-4060	185	25	rate	rate	NOUN
fsr-4060	185	26	.	.	PUNCT
fsr-4060	186	1	alternative	alternative	ADJ
fsr-4060	186	2	financial	financial	ADJ
fsr-4060	186	3	support	support	NOUN
fsr-4060	186	4	.	.	PUNCT
fsr-4060	187	1	receipt	receipt	NOUN
fsr-4060	187	2	of	of	ADP
fsr-4060	187	3	scholarships	scholarship	NOUN
fsr-4060	187	4	and	and	CCONJ
fsr-4060	187	5	grants	grant	NOUN
fsr-4060	187	6	and	and	CCONJ
fsr-4060	187	7	family	family	NOUN
fsr-4060	187	8	financial	financial	ADJ
fsr-4060	187	9	support	support	NOUN
fsr-4060	187	10	were	be	AUX
fsr-4060	187	11	used	use	VERB
fsr-4060	187	12	to	to	PART
fsr-4060	187	13	measure	measure	VERB
fsr-4060	187	14	student	student	NOUN
fsr-4060	187	15	access	access	NOUN
fsr-4060	187	16	to	to	ADP
fsr-4060	187	17	alternative	alternative	ADJ
fsr-4060	187	18	financial	financial	ADJ
fsr-4060	187	19	resources	resource	NOUN
fsr-4060	187	20	.	.	PUNCT
fsr-4060	188	1	the	the	DET
fsr-4060	188	2	survey	survey	NOUN
fsr-4060	188	3	asks	ask	VERB
fsr-4060	188	4	students	student	NOUN
fsr-4060	188	5	“	"	PUNCT
fsr-4060	188	6	please	please	INTJ
fsr-4060	188	7	indicate	indicate	VERB
fsr-4060	188	8	how	how	SCONJ
fsr-4060	188	9	much	much	ADJ
fsr-4060	188	10	of	of	ADP
fsr-4060	188	11	your	your	PRON
fsr-4060	188	12	college	college	NOUN
fsr-4060	188	13	/	/	SYM
fsr-4060	188	14	university	university	NOUN
fsr-4060	188	15	expenses	expense	NOUN
fsr-4060	188	16	are	be	AUX
fsr-4060	188	17	paid	pay	VERB
fsr-4060	188	18	for	for	ADP
fsr-4060	188	19	by	by	ADP
fsr-4060	188	20	the	the	DET
fsr-4060	188	21	following	following	NOUN
fsr-4060	188	22	:	:	PUNCT
fsr-4060	188	23	(	(	PUNCT
fsr-4060	188	24	1	1	X
fsr-4060	188	25	)	)	PUNCT
fsr-4060	188	26	parents	parent	NOUN
fsr-4060	188	27	or	or	CCONJ
fsr-4060	188	28	other	other	ADJ
fsr-4060	188	29	family	family	NOUN
fsr-4060	188	30	members	member	NOUN
fsr-4060	188	31	from	from	ADP
fsr-4060	188	32	their	their	PRON
fsr-4060	188	33	current	current	ADJ
fsr-4060	188	34	income	income	NOUN
fsr-4060	188	35	or	or	CCONJ
fsr-4060	188	36	past	past	ADJ
fsr-4060	188	37	savings	saving	NOUN
fsr-4060	188	38	,	,	PUNCT
fsr-4060	188	39	or	or	CCONJ
fsr-4060	188	40	(	(	PUNCT
fsr-4060	188	41	2	2	X
fsr-4060	188	42	)	)	PUNCT
fsr-4060	188	43	scholarships	scholarship	NOUN
fsr-4060	188	44	or	or	CCONJ
fsr-4060	188	45	grants	grant	NOUN
fsr-4060	188	46	that	that	PRON
fsr-4060	188	47	do	do	AUX
fsr-4060	188	48	n't	not	PART
fsr-4060	188	49	need	need	VERB
fsr-4060	188	50	to	to	PART
fsr-4060	188	51	be	be	AUX
fsr-4060	188	52	repaid	repay	VERB
fsr-4060	188	53	.	.	PUNCT
fsr-4060	188	54	”	"	PUNCT
fsr-4060	189	1	continuous	continuous	ADJ
fsr-4060	189	2	variables	variable	NOUN
fsr-4060	189	3	were	be	AUX
fsr-4060	189	4	created	create	VERB
fsr-4060	189	5	based	base	VERB
fsr-4060	189	6	on	on	ADP
fsr-4060	189	7	the	the	DET
fsr-4060	189	8	responses	response	NOUN
fsr-4060	189	9	from	from	ADP
fsr-4060	189	10	none	none	NOUN
fsr-4060	189	11	(	(	PUNCT
fsr-4060	189	12	1	1	NUM
fsr-4060	189	13	)	)	PUNCT
fsr-4060	189	14	to	to	ADP
fsr-4060	189	15	all	all	DET
fsr-4060	189	16	(	(	PUNCT
fsr-4060	189	17	4	4	NUM
fsr-4060	189	18	)	)	PUNCT
fsr-4060	189	19	.	.	PUNCT
fsr-4060	190	1	results	result	VERB
fsr-4060	190	2	sample	sample	NOUN
fsr-4060	190	3	description	description	NOUN
fsr-4060	190	4	this	this	DET
fsr-4060	190	5	paper	paper	NOUN
fsr-4060	190	6	explores	explore	NOUN
fsr-4060	190	7	which	which	PRON
fsr-4060	190	8	students	student	NOUN
fsr-4060	190	9	are	be	AUX
fsr-4060	190	10	willing	willing	ADJ
fsr-4060	190	11	to	to	PART
fsr-4060	190	12	borrow	borrow	VERB
fsr-4060	190	13	for	for	ADP
fsr-4060	190	14	their	their	PRON
fsr-4060	190	15	education	education	NOUN
fsr-4060	190	16	and	and	CCONJ
fsr-4060	190	17	how	how	SCONJ
fsr-4060	190	18	much	much	ADJ
fsr-4060	190	19	they	they	PRON
fsr-4060	190	20	are	be	AUX
fsr-4060	190	21	willing	willing	ADJ
fsr-4060	190	22	to	to	PART
fsr-4060	190	23	borrow	borrow	VERB
fsr-4060	190	24	.	.	PUNCT
fsr-4060	191	1	just	just	ADV
fsr-4060	191	2	over	over	ADP
fsr-4060	191	3	70	70	NUM
fsr-4060	191	4	%	%	NOUN
fsr-4060	191	5	of	of	ADP
fsr-4060	191	6	the	the	DET
fsr-4060	191	7	sample	sample	NOUN
fsr-4060	191	8	indicated	indicate	VERB
fsr-4060	191	9	a	a	DET
fsr-4060	191	10	willingness	willingness	NOUN
fsr-4060	191	11	to	to	PART
fsr-4060	191	12	borrow	borrow	VERB
fsr-4060	191	13	,	,	PUNCT
fsr-4060	191	14	16	16	NUM
fsr-4060	191	15	%	%	NOUN
fsr-4060	191	16	said	say	VERB
fsr-4060	191	17	they	they	PRON
fsr-4060	191	18	did	do	AUX
fsr-4060	191	19	not	not	PART
fsr-4060	191	20	know	know	VERB
fsr-4060	191	21	how	how	SCONJ
fsr-4060	191	22	much	much	ADJ
fsr-4060	191	23	they	they	PRON
fsr-4060	191	24	were	be	AUX
fsr-4060	191	25	willing	willing	ADJ
fsr-4060	191	26	to	to	PART
fsr-4060	191	27	borrow	borrow	VERB
fsr-4060	191	28	,	,	PUNCT
fsr-4060	191	29	and	and	CCONJ
fsr-4060	191	30	13	13	NUM
fsr-4060	191	31	%	%	NOUN
fsr-4060	191	32	said	say	VERB
fsr-4060	191	33	they	they	PRON
fsr-4060	191	34	were	be	AUX
fsr-4060	191	35	not	not	PART
fsr-4060	191	36	willing	willing	ADJ
fsr-4060	191	37	to	to	PART
fsr-4060	191	38	borrow	borrow	VERB
fsr-4060	191	39	.	.	PUNCT
fsr-4060	192	1	these	these	DET
fsr-4060	192	2	figures	figure	NOUN
fsr-4060	192	3	are	be	AUX
fsr-4060	192	4	substantially	substantially	ADV
fsr-4060	192	5	lower	low	ADJ
fsr-4060	192	6	than	than	ADP
fsr-4060	192	7	the	the	DET
fsr-4060	192	8	percentage	percentage	NOUN
fsr-4060	192	9	of	of	ADP
fsr-4060	192	10	debt	debt	NOUN
fsr-4060	192	11	averse	averse	ADJ
fsr-4060	192	12	students	student	NOUN
fsr-4060	192	13	,	,	PUNCT
fsr-4060	192	14	which	which	PRON
fsr-4060	192	15	was	be	AUX
fsr-4060	192	16	48	48	NUM
fsr-4060	192	17	%	%	NOUN
fsr-4060	192	18	,	,	PUNCT
fsr-4060	192	19	found	find	VERB
fsr-4060	192	20	by	by	ADP
fsr-4060	192	21	goldrick	goldrick	NOUN
fsr-4060	192	22	-	-	PUNCT
fsr-4060	192	23	rab	rab	PROPN
fsr-4060	192	24	and	and	CCONJ
fsr-4060	192	25	kelchen	kelchen	PROPN
fsr-4060	192	26	(	(	PUNCT
fsr-4060	192	27	2015	2015	NUM
fsr-4060	192	28	)	)	PUNCT
fsr-4060	192	29	,	,	PUNCT
fsr-4060	192	30	though	though	SCONJ
fsr-4060	192	31	the	the	DET
fsr-4060	192	32	sample	sample	NOUN
fsr-4060	192	33	in	in	ADP
fsr-4060	192	34	their	their	PRON
fsr-4060	192	35	study	study	NOUN
fsr-4060	192	36	was	be	AUX
fsr-4060	192	37	exclusively	exclusively	ADV
fsr-4060	192	38	low	low	ADJ
fsr-4060	192	39	-	-	PUNCT
fsr-4060	192	40	income	income	NOUN
fsr-4060	192	41	college	college	NOUN
fsr-4060	192	42	students	student	NOUN
fsr-4060	192	43	.	.	PUNCT
fsr-4060	193	1	we	we	PRON
fsr-4060	193	2	believe	believe	VERB
fsr-4060	193	3	the	the	DET
fsr-4060	193	4	different	different	ADJ
fsr-4060	193	5	proportions	proportion	NOUN
fsr-4060	193	6	between	between	ADP
fsr-4060	193	7	the	the	DET
fsr-4060	193	8	two	two	NUM
fsr-4060	193	9	studies	study	NOUN
fsr-4060	193	10	have	have	VERB
fsr-4060	193	11	to	to	PART
fsr-4060	193	12	do	do	VERB
fsr-4060	193	13	with	with	ADP
fsr-4060	193	14	the	the	DET
fsr-4060	193	15	difference	difference	NOUN
fsr-4060	193	16	in	in	ADP
fsr-4060	193	17	samples	sample	NOUN
fsr-4060	193	18	(	(	PUNCT
fsr-4060	193	19	low	low	ADJ
fsr-4060	193	20	-	-	PUNCT
fsr-4060	193	21	income	income	NOUN
fsr-4060	193	22	vs.	vs.	X
fsr-4060	193	23	general	general	ADJ
fsr-4060	193	24	population	population	NOUN
fsr-4060	193	25	)	)	PUNCT
fsr-4060	193	26	and	and	CCONJ
fsr-4060	193	27	how	how	SCONJ
fsr-4060	193	28	the	the	DET
fsr-4060	193	29	questions	question	NOUN
fsr-4060	193	30	were	be	AUX
fsr-4060	193	31	asked	ask	VERB
fsr-4060	193	32	.	.	PUNCT
fsr-4060	194	1	the	the	DET
fsr-4060	194	2	discrepancy	discrepancy	NOUN
fsr-4060	194	3	also	also	ADV
fsr-4060	194	4	likely	likely	ADJ
fsr-4060	194	5	highlights	highlight	NOUN
fsr-4060	194	6	stronger	strong	ADJ
fsr-4060	194	7	debt	debt	NOUN
fsr-4060	194	8	-	-	PUNCT
fsr-4060	194	9	aversion	aversion	NOUN
fsr-4060	194	10	among	among	ADP
fsr-4060	194	11	lowincome	lowincome	NOUN
fsr-4060	194	12	students	student	NOUN
fsr-4060	194	13	,	,	PUNCT
fsr-4060	194	14	which	which	PRON
fsr-4060	194	15	our	our	PRON
fsr-4060	194	16	broad	broad	ADJ
fsr-4060	194	17	sample	sample	NOUN
fsr-4060	194	18	may	may	AUX
fsr-4060	194	19	not	not	PART
fsr-4060	194	20	adequately	adequately	ADV
fsr-4060	194	21	capture	capture	VERB
fsr-4060	194	22	.	.	PUNCT
fsr-4060	195	1	student	student	NOUN
fsr-4060	195	2	rank	rank	NOUN
fsr-4060	195	3	is	be	AUX
fsr-4060	195	4	fairly	fairly	ADV
fsr-4060	195	5	well	well	ADV
fsr-4060	195	6	balanced	balanced	ADJ
fsr-4060	195	7	with	with	ADP
fsr-4060	195	8	26	26	NUM
fsr-4060	195	9	%	%	NOUN
fsr-4060	195	10	of	of	ADP
fsr-4060	195	11	the	the	DET
fsr-4060	195	12	sample	sample	NOUN
fsr-4060	195	13	in	in	ADP
fsr-4060	195	14	their	their	PRON
fsr-4060	195	15	first	first	ADJ
fsr-4060	195	16	year	year	NOUN
fsr-4060	195	17	,	,	PUNCT
fsr-4060	195	18	23	23	NUM
fsr-4060	195	19	%	%	NOUN
fsr-4060	195	20	in	in	ADP
fsr-4060	195	21	their	their	PRON
fsr-4060	195	22	second	second	ADJ
fsr-4060	195	23	year	year	NOUN
fsr-4060	195	24	,	,	PUNCT
fsr-4060	195	25	25	25	NUM
fsr-4060	195	26	%	%	NOUN
fsr-4060	195	27	in	in	ADP
fsr-4060	195	28	their	their	PRON
fsr-4060	195	29	third	third	ADJ
fsr-4060	195	30	year	year	NOUN
fsr-4060	195	31	,	,	PUNCT
fsr-4060	195	32	20	20	NUM
fsr-4060	195	33	%	%	NOUN
fsr-4060	195	34	in	in	ADP
fsr-4060	195	35	their	their	PRON
fsr-4060	195	36	fourth	fourth	ADJ
fsr-4060	195	37	year	year	NOUN
fsr-4060	195	38	and	and	CCONJ
fsr-4060	195	39	the	the	DET
fsr-4060	195	40	remaining	remain	VERB
fsr-4060	195	41	6	6	NUM
fsr-4060	195	42	%	%	NOUN
fsr-4060	195	43	taking	take	VERB
fsr-4060	195	44	more	more	ADJ
fsr-4060	195	45	than	than	ADP
fsr-4060	195	46	four	four	NUM
fsr-4060	195	47	years	year	NOUN
fsr-4060	195	48	.	.	PUNCT
fsr-4060	196	1	women	woman	NOUN
fsr-4060	196	2	represent	represent	VERB
fsr-4060	196	3	67	67	NUM
fsr-4060	196	4	%	%	NOUN
fsr-4060	196	5	of	of	ADP
fsr-4060	196	6	the	the	DET
fsr-4060	196	7	sample	sample	NOUN
fsr-4060	196	8	,	,	PUNCT
fsr-4060	196	9	men	man	NOUN
fsr-4060	196	10	make	make	VERB
fsr-4060	196	11	up	up	ADP
fsr-4060	196	12	30	30	NUM
fsr-4060	196	13	%	%	NOUN
fsr-4060	196	14	and	and	CCONJ
fsr-4060	196	15	those	those	PRON
fsr-4060	196	16	who	who	PRON
fsr-4060	196	17	prefer	prefer	VERB
fsr-4060	196	18	not	not	PART
fsr-4060	196	19	to	to	PART
fsr-4060	196	20	answer	answer	VERB
fsr-4060	196	21	or	or	CCONJ
fsr-4060	196	22	indicate	indicate	VERB
fsr-4060	196	23	“	"	PUNCT
fsr-4060	196	24	other	other	ADJ
fsr-4060	196	25	”	"	PUNCT
fsr-4060	196	26	comprise	comprise	VERB
fsr-4060	196	27	3	3	NUM
fsr-4060	196	28	%	%	NOUN
fsr-4060	196	29	of	of	ADP
fsr-4060	196	30	the	the	DET
fsr-4060	196	31	sample	sample	NOUN
fsr-4060	196	32	.	.	PUNCT
fsr-4060	197	1	approximately	approximately	ADV
fsr-4060	197	2	two	two	NUM
fsr-4060	197	3	-	-	PUNCT
fsr-4060	197	4	thirds	third	NOUN
fsr-4060	197	5	of	of	ADP
fsr-4060	197	6	the	the	DET
fsr-4060	197	7	sample	sample	NOUN
fsr-4060	197	8	identify	identify	VERB
fsr-4060	197	9	as	as	ADP
fsr-4060	197	10	white	white	ADJ
fsr-4060	197	11	,	,	PUNCT
fsr-4060	197	12	6	6	NUM
fsr-4060	197	13	%	%	NOUN
fsr-4060	197	14	are	be	AUX
fsr-4060	197	15	black	black	ADJ
fsr-4060	197	16	,	,	PUNCT
fsr-4060	197	17	11	11	NUM
fsr-4060	197	18	%	%	NOUN
fsr-4060	197	19	are	be	AUX
fsr-4060	197	20	hispanic	hispanic	ADJ
fsr-4060	197	21	,	,	PUNCT
fsr-4060	197	22	8	8	NUM
fsr-4060	197	23	%	%	NOUN
fsr-4060	197	24	are	be	AUX
fsr-4060	197	25	asian	asian	ADJ
fsr-4060	197	26	,	,	PUNCT
fsr-4060	197	27	and	and	CCONJ
fsr-4060	197	28	10	10	NUM
fsr-4060	197	29	%	%	NOUN
fsr-4060	197	30	responded	respond	VERB
fsr-4060	197	31	as	as	ADP
fsr-4060	197	32	a	a	DET
fsr-4060	197	33	race	race	NOUN
fsr-4060	197	34	or	or	CCONJ
fsr-4060	197	35	ethnicity	ethnicity	NOUN
fsr-4060	197	36	other	other	ADJ
fsr-4060	197	37	than	than	ADP
fsr-4060	197	38	those	those	PRON
fsr-4060	197	39	listed	list	VERB
fsr-4060	197	40	.	.	PUNCT
fsr-4060	198	1	on	on	ADP
fsr-4060	198	2	average	average	ADJ
fsr-4060	198	3	,	,	PUNCT
fsr-4060	198	4	tuition	tuition	NOUN
fsr-4060	198	5	(	(	PUNCT
fsr-4060	198	6	net	net	ADJ
fsr-4060	198	7	price	price	NOUN
fsr-4060	198	8	)	)	PUNCT
fsr-4060	198	9	is	be	AUX
fsr-4060	198	10	approximately	approximately	ADV
fsr-4060	198	11	$	$	SYM
fsr-4060	198	12	19,000	19,000	NUM
fsr-4060	198	13	per	per	ADP
fsr-4060	198	14	year	year	NOUN
fsr-4060	198	15	and	and	CCONJ
fsr-4060	198	16	the	the	DET
fsr-4060	198	17	mean	mean	ADJ
fsr-4060	198	18	amount	amount	NOUN
fsr-4060	198	19	students	student	NOUN
fsr-4060	198	20	are	be	AUX
fsr-4060	198	21	willing	willing	ADJ
fsr-4060	198	22	to	to	PART
fsr-4060	198	23	borrow	borrow	VERB
fsr-4060	198	24	is	be	AUX
fsr-4060	198	25	just	just	ADV
fsr-4060	198	26	over	over	ADP
fsr-4060	198	27	$	$	SYM
fsr-4060	198	28	27,000	27,000	NUM
fsr-4060	198	29	for	for	ADP
fsr-4060	198	30	students	student	NOUN
fsr-4060	198	31	who	who	PRON
fsr-4060	198	32	indicated	indicate	VERB
fsr-4060	198	33	they	they	PRON
fsr-4060	198	34	were	be	AUX
fsr-4060	198	35	willing	willing	ADJ
fsr-4060	198	36	to	to	PART
fsr-4060	198	37	borrow	borrow	VERB
fsr-4060	198	38	.	.	PUNCT
fsr-4060	199	1	the	the	DET
fsr-4060	199	2	sample	sample	NOUN
fsr-4060	199	3	have	have	VERB
fsr-4060	199	4	high	high	ADJ
fsr-4060	199	5	educational	educational	ADJ
fsr-4060	199	6	goals	goal	NOUN
fsr-4060	199	7	overall	overall	ADV
fsr-4060	199	8	with	with	ADP
fsr-4060	199	9	64	64	NUM
fsr-4060	199	10	%	%	NOUN
fsr-4060	199	11	percent	percent	NOUN
fsr-4060	199	12	indicating	indicate	VERB
fsr-4060	199	13	they	they	PRON
fsr-4060	199	14	plan	plan	VERB
fsr-4060	199	15	to	to	PART
fsr-4060	199	16	pursue	pursue	VERB
fsr-4060	199	17	some	some	DET
fsr-4060	199	18	form	form	NOUN
fsr-4060	199	19	of	of	ADP
fsr-4060	199	20	graduate	graduate	ADJ
fsr-4060	199	21	education	education	NOUN
fsr-4060	199	22	and	and	CCONJ
fsr-4060	199	23	the	the	DET
fsr-4060	199	24	mean	mean	NOUN
fsr-4060	199	25	gpa	gpa	PROPN
fsr-4060	199	26	is	be	AUX
fsr-4060	199	27	3.38	3.38	NUM
fsr-4060	199	28	.	.	PUNCT
fsr-4060	200	1	approximately	approximately	ADV
fsr-4060	200	2	71	71	NUM
fsr-4060	200	3	%	%	NOUN
fsr-4060	200	4	of	of	ADP
fsr-4060	200	5	the	the	DET
fsr-4060	200	6	sample	sample	NOUN
fsr-4060	200	7	believe	believe	VERB
fsr-4060	200	8	that	that	SCONJ
fsr-4060	200	9	college	college	NOUN
fsr-4060	200	10	is	be	AUX
fsr-4060	200	11	a	a	DET
fsr-4060	200	12	good	good	ADJ
fsr-4060	200	13	investment	investment	NOUN
fsr-4060	200	14	.	.	PUNCT
fsr-4060	201	1	this	this	DET
fsr-4060	201	2	figure	figure	NOUN
fsr-4060	201	3	drops	drop	VERB
fsr-4060	201	4	to	to	ADP
fsr-4060	201	5	65	65	NUM
fsr-4060	201	6	%	%	NOUN
fsr-4060	201	7	for	for	ADP
fsr-4060	201	8	those	those	PRON
fsr-4060	201	9	who	who	PRON
fsr-4060	201	10	are	be	AUX
fsr-4060	201	11	unwilling	unwilling	ADJ
fsr-4060	201	12	to	to	PART
fsr-4060	201	13	borrow	borrow	VERB
fsr-4060	201	14	.	.	PUNCT
fsr-4060	202	1	thirty	thirty	NUM
fsr-4060	202	2	percent	percent	NOUN
fsr-4060	202	3	of	of	ADP
fsr-4060	202	4	the	the	DET
fsr-4060	202	5	sample	sample	NOUN
fsr-4060	202	6	indicated	indicate	VERB
fsr-4060	202	7	stem	stem	NOUN
fsr-4060	202	8	as	as	ADP
fsr-4060	202	9	their	their	PRON
fsr-4060	202	10	major(s	major(s	NOUN
fsr-4060	202	11	)	)	PUNCT
fsr-4060	202	12	,	,	PUNCT
fsr-4060	202	13	followed	follow	VERB
fsr-4060	202	14	by	by	ADP
fsr-4060	202	15	arts	art	NOUN
fsr-4060	202	16	and	and	CCONJ
fsr-4060	202	17	humanities	humanity	NOUN
fsr-4060	202	18	(	(	PUNCT
fsr-4060	202	19	21	21	NUM
fsr-4060	202	20	%	%	NOUN
fsr-4060	202	21	)	)	PUNCT
fsr-4060	202	22	,	,	PUNCT
fsr-4060	202	23	health	health	NOUN
fsr-4060	202	24	(	(	PUNCT
fsr-4060	202	25	19	19	NUM
fsr-4060	202	26	%	%	NOUN
fsr-4060	202	27	)	)	PUNCT
fsr-4060	202	28	,	,	PUNCT
fsr-4060	202	29	business	business	NOUN
fsr-4060	202	30	(	(	PUNCT
fsr-4060	202	31	18	18	NUM
fsr-4060	202	32	%	%	NOUN
fsr-4060	202	33	)	)	PUNCT
fsr-4060	202	34	,	,	PUNCT
fsr-4060	202	35	and	and	CCONJ
fsr-4060	202	36	social	social	ADJ
fsr-4060	202	37	science	science	NOUN
fsr-4060	202	38	(	(	PUNCT
fsr-4060	202	39	17	17	NUM
fsr-4060	202	40	%	%	NOUN
fsr-4060	202	41	)	)	PUNCT
fsr-4060	202	42	.	.	PUNCT
fsr-4060	203	1	just	just	ADV
fsr-4060	203	2	over	over	ADP
fsr-4060	203	3	60	60	NUM
fsr-4060	203	4	%	%	NOUN
fsr-4060	203	5	of	of	ADP
fsr-4060	203	6	the	the	DET
fsr-4060	203	7	sample	sample	NOUN
fsr-4060	203	8	are	be	AUX
fsr-4060	203	9	employed	employ	VERB
fsr-4060	203	10	and	and	CCONJ
fsr-4060	203	11	the	the	DET
fsr-4060	203	12	mean	mean	ADJ
fsr-4060	203	13	earnings	earning	NOUN
fsr-4060	203	14	for	for	ADP
fsr-4060	203	15	those	those	PRON
fsr-4060	203	16	who	who	PRON
fsr-4060	203	17	work	work	VERB
fsr-4060	203	18	is	be	AUX
fsr-4060	203	19	just	just	ADV
fsr-4060	203	20	over	over	ADP
fsr-4060	203	21	$	$	SYM
fsr-4060	203	22	6,500	6,500	NUM
fsr-4060	203	23	,	,	PUNCT
fsr-4060	203	24	which	which	PRON
fsr-4060	203	25	is	be	AUX
fsr-4060	203	26	expected	expect	VERB
fsr-4060	203	27	to	to	PART
fsr-4060	203	28	reduce	reduce	VERB
fsr-4060	203	29	the	the	DET
fsr-4060	203	30	amount	amount	NOUN
fsr-4060	203	31	of	of	ADP
fsr-4060	203	32	money	money	NOUN
fsr-4060	203	33	borrowed	borrow	VERB
fsr-4060	203	34	to	to	PART
fsr-4060	203	35	pay	pay	VERB
fsr-4060	203	36	for	for	ADP
fsr-4060	203	37	college	college	NOUN
fsr-4060	203	38	education	education	NOUN
fsr-4060	203	39	.	.	PUNCT
fsr-4060	204	1	furthermore	furthermore	ADV
fsr-4060	204	2	,	,	PUNCT
fsr-4060	204	3	students	student	NOUN
fsr-4060	204	4	have	have	VERB
fsr-4060	204	5	alternative	alternative	ADJ
fsr-4060	204	6	financial	financial	ADJ
fsr-4060	204	7	support	support	NOUN
fsr-4060	204	8	;	;	PUNCT
fsr-4060	204	9	the	the	DET
fsr-4060	204	10	sample	sample	NOUN
fsr-4060	204	11	mean	mean	VERB
fsr-4060	204	12	for	for	ADP
fsr-4060	204	13	scholarship	scholarship	NOUN
fsr-4060	204	14	or	or	CCONJ
fsr-4060	204	15	grants	grant	NOUN
fsr-4060	204	16	covered	cover	VERB
fsr-4060	204	17	is	be	AUX
fsr-4060	204	18	2.3	2.3	NUM
fsr-4060	204	19	(	(	PUNCT
fsr-4060	204	20	somewhere	somewhere	ADV
fsr-4060	204	21	between	between	ADP
fsr-4060	204	22	“	"	PUNCT
fsr-4060	204	23	some	some	PRON
fsr-4060	204	24	”	"	PUNCT
fsr-4060	204	25	and	and	CCONJ
fsr-4060	204	26	“	"	PUNCT
fsr-4060	204	27	most	most	ADJ
fsr-4060	204	28	”	"	PUNCT
fsr-4060	204	29	)	)	PUNCT
fsr-4060	204	30	,	,	PUNCT
fsr-4060	204	31	and	and	CCONJ
fsr-4060	204	32	for	for	ADP
fsr-4060	204	33	parental	parental	ADJ
fsr-4060	204	34	support	support	NOUN
fsr-4060	204	35	it	it	PRON
fsr-4060	204	36	is	be	AUX
fsr-4060	204	37	2.01	2.01	NUM
fsr-4060	204	38	(	(	PUNCT
fsr-4060	204	39	“	"	PUNCT
fsr-4060	204	40	some	some	PRON
fsr-4060	204	41	”	"	PUNCT
fsr-4060	204	42	)	)	PUNCT
fsr-4060	204	43	.	.	PUNCT
fsr-4060	205	1	financial	financial	ADJ
fsr-4060	205	2	services	services	PROPN
fsr-4060	205	3	review	review	PROPN
fsr-4060	205	4	,	,	PUNCT
fsr-4060	205	5	33(2	33(2	NUM
fsr-4060	205	6	)	)	PUNCT
fsr-4060	205	7	82	82	NUM
fsr-4060	205	8	table	table	NOUN
fsr-4060	205	9	1	1	NUM
fsr-4060	205	10	.	.	PUNCT
fsr-4060	206	1	sample	sample	NOUN
fsr-4060	206	2	description	description	NOUN
fsr-4060	206	3	total	total	NOUN
fsr-4060	206	4	sample	sample	NOUN
fsr-4060	206	5	not	not	PART
fsr-4060	206	6	willing	willing	ADJ
fsr-4060	206	7	willing	willing	ADJ
fsr-4060	206	8	do	do	AUX
fsr-4060	206	9	n't	not	PART
fsr-4060	206	10	know	know	VERB
fsr-4060	206	11	variable	variable	NOUN
fsr-4060	206	12	n=24,121	n=24,121	X
fsr-4060	207	1	n=3,095	n=3,095	VERB
fsr-4060	207	2	n=17,050	n=17,050	X
fsr-4060	207	3	n=3,976	n=3,976	NOUN
fsr-4060	207	4	sample	sample	NOUN
fsr-4060	207	5	mean	mean	VERB
fsr-4060	207	6	0.13	0.13	NUM
fsr-4060	207	7	0.71	0.71	NUM
fsr-4060	207	8	0.16	0.16	NUM
fsr-4060	207	9	max	max	PROPN
fsr-4060	207	10	debt	debt	NOUN
fsr-4060	207	11	(	(	PUNCT
fsr-4060	207	12	$	$	SYM
fsr-4060	207	13	)	)	PUNCT
fsr-4060	207	14	$	$	SYM
fsr-4060	207	15	22,942	22,942	NUM
fsr-4060	207	16	$	$	SYM
fsr-4060	207	17	27,107	27,107	NUM
fsr-4060	207	18	controls	control	NOUN
fsr-4060	207	19	rank	rank	NOUN
fsr-4060	207	20	year	year	NOUN
fsr-4060	207	21	1	1	NUM
fsr-4060	207	22	0.26	0.26	NUM
fsr-4060	207	23	0.25	0.25	NUM
fsr-4060	207	24	0.25	0.25	NUM
fsr-4060	207	25	0.30	0.30	NUM
fsr-4060	207	26	year	year	NOUN
fsr-4060	207	27	2	2	NUM
fsr-4060	207	28	0.23	0.23	NUM
fsr-4060	207	29	0.24	0.24	NUM
fsr-4060	207	30	0.23	0.23	NUM
fsr-4060	207	31	0.25	0.25	NUM
fsr-4060	207	32	year	year	NOUN
fsr-4060	207	33	3	3	NUM
fsr-4060	207	34	0.25	0.25	NUM
fsr-4060	207	35	0.25	0.25	NUM
fsr-4060	207	36	0.25	0.25	NUM
fsr-4060	207	37	0.22	0.22	NUM
fsr-4060	207	38	year	year	NOUN
fsr-4060	207	39	4	4	NUM
fsr-4060	207	40	0.20	0.20	NUM
fsr-4060	207	41	0.19	0.19	NUM
fsr-4060	207	42	0.21	0.21	NUM
fsr-4060	207	43	0.18	0.18	NUM
fsr-4060	207	44	more	more	ADJ
fsr-4060	207	45	than	than	ADP
fsr-4060	207	46	4	4	NUM
fsr-4060	207	47	years	year	NOUN
fsr-4060	207	48	0.06	0.06	NUM
fsr-4060	207	49	0.07	0.07	NUM
fsr-4060	207	50	0.06	0.06	NUM
fsr-4060	207	51	0.05	0.05	NUM
fsr-4060	207	52	first	first	ADJ
fsr-4060	207	53	generation	generation	NOUN
fsr-4060	207	54	0.41	0.41	NUM
fsr-4060	207	55	0.44	0.44	NUM
fsr-4060	207	56	0.41	0.41	NUM
fsr-4060	207	57	0.37	0.37	NUM
fsr-4060	207	58	non	non	ADJ
fsr-4060	207	59	-	-	ADJ
fsr-4060	207	60	traditional	traditional	ADJ
fsr-4060	207	61	0.15	0.15	NUM
fsr-4060	207	62	0.20	0.20	NUM
fsr-4060	207	63	0.14	0.14	NUM
fsr-4060	207	64	0.12	0.12	NUM
fsr-4060	207	65	gender	gender	NOUN
fsr-4060	207	66	male	male	NOUN
fsr-4060	207	67	0.30	0.30	NUM
fsr-4060	207	68	0.33	0.33	NUM
fsr-4060	207	69	0.31	0.31	NUM
fsr-4060	207	70	0.22	0.22	NUM
fsr-4060	207	71	female	female	NOUN
fsr-4060	207	72	0.67	0.67	NUM
fsr-4060	207	73	0.63	0.63	NUM
fsr-4060	207	74	0.67	0.67	NUM
fsr-4060	207	75	0.75	0.75	NUM
fsr-4060	207	76	prefer	prefer	VERB
fsr-4060	207	77	not	not	PART
fsr-4060	207	78	to	to	PART
fsr-4060	207	79	say	say	VERB
fsr-4060	207	80	0.03	0.03	NUM
fsr-4060	207	81	0.03	0.03	NUM
fsr-4060	207	82	0.02	0.02	NUM
fsr-4060	207	83	0.03	0.03	NUM
fsr-4060	207	84	race	race	NOUN
fsr-4060	207	85	/	/	SYM
fsr-4060	207	86	ethnicity	ethnicity	NOUN
fsr-4060	207	87	white	white	ADJ
fsr-4060	207	88	0.65	0.65	NUM
fsr-4060	207	89	0.56	0.56	NUM
fsr-4060	207	90	0.67	0.67	NUM
fsr-4060	207	91	0.64	0.64	NUM
fsr-4060	207	92	black	black	NOUN
fsr-4060	207	93	0.06	0.06	NUM
fsr-4060	207	94	0.07	0.07	NUM
fsr-4060	207	95	0.05	0.05	NUM
fsr-4060	207	96	0.07	0.07	NUM
fsr-4060	207	97	hispanic	hispanic	NOUN
fsr-4060	207	98	0.11	0.11	NUM
fsr-4060	207	99	0.13	0.13	NUM
fsr-4060	207	100	0.10	0.10	NUM
fsr-4060	207	101	0.09	0.09	NUM
fsr-4060	207	102	asian	asian	ADJ
fsr-4060	207	103	0.08	0.08	NUM
fsr-4060	207	104	0.12	0.12	NUM
fsr-4060	207	105	0.08	0.08	NUM
fsr-4060	207	106	0.09	0.09	NUM
fsr-4060	207	107	other	other	ADJ
fsr-4060	207	108	0.10	0.10	NUM
fsr-4060	207	109	0.13	0.13	NUM
fsr-4060	207	110	0.09	0.09	NUM
fsr-4060	207	111	0.11	0.11	NUM
fsr-4060	207	112	cost	cost	NOUN
fsr-4060	207	113	net	net	ADJ
fsr-4060	207	114	price	price	NOUN
fsr-4060	207	115	(	(	PUNCT
fsr-4060	207	116	$	$	SYM
fsr-4060	207	117	1,000	1,000	NUM
fsr-4060	207	118	)	)	PUNCT
fsr-4060	207	119	1.91	1.91	NUM
fsr-4060	207	120	1.84	1.84	NUM
fsr-4060	207	121	1.90	1.90	NUM
fsr-4060	207	122	2.00	2.00	NUM
fsr-4060	207	123	public	public	ADJ
fsr-4060	207	124	in	in	ADP
fsr-4060	207	125	-	-	PUNCT
fsr-4060	207	126	state	state	NOUN
fsr-4060	207	127	tuition	tuition	NOUN
fsr-4060	207	128	0.68	0.68	NUM
fsr-4060	207	129	0.71	0.71	NUM
fsr-4060	207	130	0.69	0.69	NUM
fsr-4060	207	131	0.62	0.62	NUM
fsr-4060	207	132	public	public	ADJ
fsr-4060	207	133	out	out	ADV
fsr-4060	207	134	-	-	PUNCT
fsr-4060	207	135	of	of	ADP
fsr-4060	207	136	-	-	PUNCT
fsr-4060	207	137	state	state	NOUN
fsr-4060	207	138	tuition	tuition	NOUN
fsr-4060	207	139	0.18	0.18	NUM
fsr-4060	207	140	0.16	0.16	NUM
fsr-4060	207	141	0.18	0.18	NUM
fsr-4060	207	142	0.21	0.21	NUM
fsr-4060	207	143	private	private	ADJ
fsr-4060	207	144	0.13	0.13	NUM
fsr-4060	207	145	0.13	0.13	NUM
fsr-4060	207	146	0.13	0.13	NUM
fsr-4060	207	147	0.18	0.18	NUM
fsr-4060	207	148	educational	educational	ADJ
fsr-4060	207	149	goals	goal	NOUN
fsr-4060	207	150	gpa	gpa	PROPN
fsr-4060	207	151	3.38	3.38	NUM
fsr-4060	207	152	3.38	3.38	NUM
fsr-4060	207	153	3.38	3.38	NUM
fsr-4060	207	154	3.34	3.34	NUM
fsr-4060	207	155	good	good	ADJ
fsr-4060	207	156	investment	investment	NOUN
fsr-4060	207	157	0.71	0.71	NUM
fsr-4060	207	158	0.65	0.65	NUM
fsr-4060	207	159	0.73	0.73	NUM
fsr-4060	207	160	0.70	0.70	NUM
fsr-4060	207	161	major	major	ADJ
fsr-4060	207	162	:	:	PUNCT
fsr-4060	207	163	arts	art	NOUN
fsr-4060	207	164	&	&	CCONJ
fsr-4060	207	165	humanities	humanity	NOUN
fsr-4060	207	166	0.21	0.21	NUM
fsr-4060	207	167	0.24	0.24	NUM
fsr-4060	207	168	0.19	0.19	NUM
fsr-4060	207	169	0.24	0.24	NUM
fsr-4060	207	170	major	major	ADJ
fsr-4060	207	171	:	:	PUNCT
fsr-4060	207	172	business	business	NOUN
fsr-4060	207	173	0.18	0.18	NUM
fsr-4060	207	174	0.19	0.19	NUM
fsr-4060	207	175	0.19	0.19	NUM
fsr-4060	207	176	0.13	0.13	NUM
fsr-4060	207	177	major	major	ADJ
fsr-4060	207	178	:	:	PUNCT
fsr-4060	207	179	education	education	NOUN
fsr-4060	207	180	0.07	0.07	NUM
fsr-4060	207	181	0.07	0.07	NUM
fsr-4060	207	182	0.07	0.07	NUM
fsr-4060	207	183	0.08	0.08	NUM
fsr-4060	207	184	major	major	ADJ
fsr-4060	207	185	:	:	PUNCT
fsr-4060	207	186	health	health	NOUN
fsr-4060	207	187	0.19	0.19	NUM
fsr-4060	207	188	0.15	0.15	NUM
fsr-4060	207	189	0.19	0.19	NUM
fsr-4060	207	190	0.21	0.21	NUM
fsr-4060	207	191	major	major	ADJ
fsr-4060	207	192	:	:	PUNCT
fsr-4060	207	193	social	social	ADJ
fsr-4060	207	194	science	science	NOUN
fsr-4060	207	195	0.17	0.17	NUM
fsr-4060	207	196	0.16	0.16	NUM
fsr-4060	207	197	0.17	0.17	NUM
fsr-4060	207	198	0.19	0.19	NUM
fsr-4060	207	199	major	major	ADJ
fsr-4060	207	200	:	:	PUNCT
fsr-4060	207	201	stem	stem	VERB
fsr-4060	207	202	0.30	0.30	NUM
fsr-4060	207	203	0.29	0.29	NUM
fsr-4060	207	204	0.31	0.31	NUM
fsr-4060	207	205	0.26	0.26	NUM
fsr-4060	207	206	major	major	ADJ
fsr-4060	207	207	:	:	PUNCT
fsr-4060	207	208	vocation	vocation	NOUN
fsr-4060	207	209	0.01	0.01	NUM
fsr-4060	207	210	0.01	0.01	NUM
fsr-4060	207	211	0.01	0.01	NUM
fsr-4060	207	212	0.01	0.01	NUM
fsr-4060	207	213	major	major	ADJ
fsr-4060	207	214	:	:	PUNCT
fsr-4060	207	215	other	other	ADJ
fsr-4060	207	216	0.06	0.06	NUM
fsr-4060	207	217	0.07	0.07	NUM
fsr-4060	207	218	0.05	0.05	NUM
fsr-4060	207	219	0.08	0.08	NUM
fsr-4060	207	220	two	two	NUM
fsr-4060	207	221	year	year	NOUN
fsr-4060	207	222	goal	goal	NOUN
fsr-4060	207	223	0.03	0.03	NUM
fsr-4060	207	224	0.04	0.04	NUM
fsr-4060	207	225	0.02	0.02	NUM
fsr-4060	207	226	0.03	0.03	NUM
fsr-4060	207	227	four	four	NUM
fsr-4060	207	228	year	year	NOUN
fsr-4060	207	229	goal	goal	NOUN
fsr-4060	207	230	0.96	0.96	NUM
fsr-4060	207	231	0.94	0.94	NUM
fsr-4060	207	232	0.96	0.96	NUM
fsr-4060	207	233	0.95	0.95	NUM
fsr-4060	207	234	certificate	certificate	NOUN
fsr-4060	207	235	0.01	0.01	NUM
fsr-4060	207	236	0.01	0.01	NUM
fsr-4060	207	237	0.01	0.01	NUM
fsr-4060	207	238	0.01	0.01	NUM
fsr-4060	207	239	other	other	ADJ
fsr-4060	207	240	0.01	0.01	NUM
fsr-4060	207	241	0.01	0.01	NUM
fsr-4060	207	242	0.01	0.01	NUM
fsr-4060	207	243	0.02	0.02	NUM
fsr-4060	207	244	grad	grad	ADJ
fsr-4060	207	245	school	school	NOUN
fsr-4060	207	246	plans	plan	NOUN
fsr-4060	207	247	0.64	0.64	NUM
fsr-4060	207	248	0.58	0.58	NUM
fsr-4060	207	249	0.64	0.64	NUM
fsr-4060	207	250	0.64	0.64	NUM
fsr-4060	207	251	heckman	heckman	PROPN
fsr-4060	207	252	et	et	PROPN
fsr-4060	207	253	al	al	PROPN
fsr-4060	207	254	.	.	PROPN
fsr-4060	207	255	83	83	NUM
fsr-4060	207	256	income	income	NOUN
fsr-4060	207	257	employed	employ	VERB
fsr-4060	207	258	0.61	0.61	NUM
fsr-4060	207	259	0.58	0.58	NUM
fsr-4060	207	260	0.63	0.63	NUM
fsr-4060	207	261	0.56	0.56	NUM
fsr-4060	207	262	student	student	NOUN
fsr-4060	207	263	income	income	NOUN
fsr-4060	207	264	(	(	PUNCT
fsr-4060	207	265	$	$	SYM
fsr-4060	207	266	1k	1k	NUM
fsr-4060	207	267	)	)	PUNCT
fsr-4060	207	268	6.55	6.55	NUM
fsr-4060	207	269	7.05	7.05	NUM
fsr-4060	207	270	6.70	6.70	NUM
fsr-4060	207	271	5.55	5.55	NUM
fsr-4060	207	272	alternative	alternative	ADJ
fsr-4060	207	273	financial	financial	ADJ
fsr-4060	207	274	support	support	NOUN
fsr-4060	207	275	scholarships	scholarship	NOUN
fsr-4060	207	276	/	/	SYM
fsr-4060	207	277	grants	grant	NOUN
fsr-4060	207	278	(	(	PUNCT
fsr-4060	207	279	14	14	NUM
fsr-4060	207	280	)	)	PUNCT
fsr-4060	207	281	2.31	2.31	NUM
fsr-4060	207	282	2.40	2.40	NUM
fsr-4060	207	283	2.32	2.32	NUM
fsr-4060	207	284	2.20	2.20	NUM
fsr-4060	207	285	parental	parental	ADJ
fsr-4060	207	286	support	support	NOUN
fsr-4060	207	287	(	(	PUNCT
fsr-4060	207	288	1	1	NUM
fsr-4060	207	289	-	-	SYM
fsr-4060	207	290	4	4	NUM
fsr-4060	207	291	)	)	PUNCT
fsr-4060	207	292	2.01	2.01	NUM
fsr-4060	207	293	2.07	2.07	NUM
fsr-4060	207	294	1.97	1.97	NUM
fsr-4060	207	295	2.15	2.15	NUM
fsr-4060	207	296	multivariate	multivariate	NOUN
fsr-4060	207	297	results	result	VERB
fsr-4060	207	298	the	the	DET
fsr-4060	207	299	combined	combine	VERB
fsr-4060	207	300	results	result	NOUN
fsr-4060	207	301	of	of	ADP
fsr-4060	207	302	the	the	DET
fsr-4060	207	303	multinomial	multinomial	ADJ
fsr-4060	207	304	logit	logit	PROPN
fsr-4060	207	305	and	and	CCONJ
fsr-4060	207	306	the	the	DET
fsr-4060	207	307	tobit	tobit	NOUN
fsr-4060	207	308	provide	provide	VERB
fsr-4060	207	309	insight	insight	NOUN
fsr-4060	207	310	into	into	ADP
fsr-4060	207	311	both	both	CCONJ
fsr-4060	207	312	the	the	DET
fsr-4060	207	313	decision	decision	NOUN
fsr-4060	207	314	to	to	PART
fsr-4060	207	315	borrow	borrow	VERB
fsr-4060	207	316	and	and	CCONJ
fsr-4060	207	317	the	the	DET
fsr-4060	207	318	amount	amount	NOUN
fsr-4060	207	319	students	student	NOUN
fsr-4060	207	320	are	be	AUX
fsr-4060	207	321	willing	willing	ADJ
fsr-4060	207	322	to	to	PART
fsr-4060	207	323	borrow	borrow	VERB
fsr-4060	207	324	.	.	PUNCT
fsr-4060	208	1	results	result	NOUN
fsr-4060	208	2	from	from	ADP
fsr-4060	208	3	the	the	DET
fsr-4060	208	4	multinomial	multinomial	ADJ
fsr-4060	208	5	logistic	logistic	ADJ
fsr-4060	208	6	regression	regression	NOUN
fsr-4060	208	7	are	be	AUX
fsr-4060	208	8	presented	present	VERB
fsr-4060	208	9	in	in	ADP
fsr-4060	208	10	table	table	NOUN
fsr-4060	208	11	2	2	NUM
fsr-4060	208	12	and	and	CCONJ
fsr-4060	208	13	the	the	DET
fsr-4060	208	14	tobit	tobit	NOUN
fsr-4060	208	15	results	result	NOUN
fsr-4060	208	16	are	be	AUX
fsr-4060	208	17	presented	present	VERB
fsr-4060	208	18	in	in	ADP
fsr-4060	208	19	table	table	NOUN
fsr-4060	208	20	3	3	NUM
fsr-4060	208	21	.	.	PUNCT
fsr-4060	209	1	marginal	marginal	ADJ
fsr-4060	209	2	effects	effect	NOUN
fsr-4060	209	3	were	be	AUX
fsr-4060	209	4	computed	compute	VERB
fsr-4060	209	5	for	for	ADP
fsr-4060	209	6	the	the	DET
fsr-4060	209	7	multinomial	multinomial	ADJ
fsr-4060	209	8	regression	regression	NOUN
fsr-4060	209	9	and	and	CCONJ
fsr-4060	209	10	are	be	AUX
fsr-4060	209	11	presented	present	VERB
fsr-4060	209	12	in	in	ADP
fsr-4060	209	13	table	table	NOUN
fsr-4060	209	14	2	2	NUM
fsr-4060	209	15	.	.	PUNCT
fsr-4060	210	1	the	the	DET
fsr-4060	210	2	results	result	NOUN
fsr-4060	210	3	discussed	discuss	VERB
fsr-4060	210	4	in	in	ADP
fsr-4060	210	5	this	this	DET
fsr-4060	210	6	section	section	NOUN
fsr-4060	210	7	will	will	AUX
fsr-4060	210	8	focus	focus	VERB
fsr-4060	210	9	on	on	ADP
fsr-4060	210	10	these	these	DET
fsr-4060	210	11	marginal	marginal	ADJ
fsr-4060	210	12	effects	effect	NOUN
fsr-4060	210	13	and	and	CCONJ
fsr-4060	210	14	the	the	DET
fsr-4060	210	15	standard	standard	ADJ
fsr-4060	210	16	coefficients	coefficient	NOUN
fsr-4060	210	17	from	from	ADP
fsr-4060	210	18	the	the	DET
fsr-4060	210	19	tobit	tobit	NOUN
fsr-4060	210	20	results	result	NOUN
fsr-4060	210	21	.	.	PUNCT
fsr-4060	211	1	control	control	NOUN
fsr-4060	211	2	variables	variable	NOUN
fsr-4060	211	3	.	.	PUNCT
fsr-4060	212	1	as	as	SCONJ
fsr-4060	212	2	students	student	NOUN
fsr-4060	212	3	progress	progress	VERB
fsr-4060	212	4	through	through	ADP
fsr-4060	212	5	school	school	NOUN
fsr-4060	212	6	,	,	PUNCT
fsr-4060	212	7	the	the	DET
fsr-4060	212	8	likelihood	likelihood	NOUN
fsr-4060	212	9	they	they	PRON
fsr-4060	212	10	are	be	AUX
fsr-4060	212	11	willing	willing	ADJ
fsr-4060	212	12	to	to	PART
fsr-4060	212	13	borrow	borrow	VERB
fsr-4060	212	14	or	or	CCONJ
fsr-4060	212	15	to	to	PART
fsr-4060	212	16	indicate	indicate	VERB
fsr-4060	212	17	that	that	SCONJ
fsr-4060	212	18	they	they	PRON
fsr-4060	212	19	knew	know	VERB
fsr-4060	212	20	,	,	PUNCT
fsr-4060	212	21	one	one	NUM
fsr-4060	212	22	way	way	NOUN
fsr-4060	212	23	or	or	CCONJ
fsr-4060	212	24	another	another	PRON
fsr-4060	212	25	,	,	PUNCT
fsr-4060	212	26	increases	increase	NOUN
fsr-4060	212	27	.	.	PUNCT
fsr-4060	213	1	the	the	DET
fsr-4060	213	2	willingness	willingness	NOUN
fsr-4060	213	3	to	to	PART
fsr-4060	213	4	borrow	borrow	VERB
fsr-4060	213	5	of	of	ADP
fsr-4060	213	6	students	student	NOUN
fsr-4060	213	7	in	in	ADP
fsr-4060	213	8	later	later	ADJ
fsr-4060	213	9	years	year	NOUN
fsr-4060	213	10	may	may	AUX
fsr-4060	213	11	reflect	reflect	VERB
fsr-4060	213	12	a	a	DET
fsr-4060	213	13	recognition	recognition	NOUN
fsr-4060	213	14	of	of	ADP
fsr-4060	213	15	the	the	DET
fsr-4060	213	16	benefits	benefit	NOUN
fsr-4060	213	17	of	of	ADP
fsr-4060	213	18	education	education	NOUN
fsr-4060	213	19	.	.	PUNCT
fsr-4060	214	1	compared	compare	VERB
fsr-4060	214	2	to	to	ADP
fsr-4060	214	3	the	the	DET
fsr-4060	214	4	first	first	ADJ
fsr-4060	214	5	-	-	PUNCT
fsr-4060	214	6	year	year	NOUN
fsr-4060	214	7	students	student	NOUN
fsr-4060	214	8	,	,	PUNCT
fsr-4060	214	9	the	the	DET
fsr-4060	214	10	later	later	ADJ
fsr-4060	214	11	year	year	NOUN
fsr-4060	214	12	students	student	NOUN
fsr-4060	214	13	may	may	AUX
fsr-4060	214	14	value	value	VERB
fsr-4060	214	15	the	the	DET
fsr-4060	214	16	college	college	NOUN
fsr-4060	214	17	experience	experience	NOUN
fsr-4060	214	18	based	base	VERB
fsr-4060	214	19	on	on	ADP
fsr-4060	214	20	their	their	PRON
fsr-4060	214	21	time	time	NOUN
fsr-4060	214	22	spent	spend	VERB
fsr-4060	214	23	in	in	ADP
fsr-4060	214	24	college	college	NOUN
fsr-4060	214	25	.	.	PUNCT
fsr-4060	215	1	those	those	PRON
fsr-4060	215	2	who	who	PRON
fsr-4060	215	3	were	be	AUX
fsr-4060	215	4	enrolled	enrol	VERB
fsr-4060	215	5	for	for	ADP
fsr-4060	215	6	more	more	ADJ
fsr-4060	215	7	than	than	ADP
fsr-4060	215	8	four	four	NUM
fsr-4060	215	9	years	year	NOUN
fsr-4060	215	10	are	be	AUX
fsr-4060	215	11	5.4	5.4	NUM
fsr-4060	215	12	percentage	percentage	NOUN
fsr-4060	215	13	points	point	NOUN
fsr-4060	215	14	more	more	ADV
fsr-4060	215	15	likely	likely	ADJ
fsr-4060	215	16	to	to	PART
fsr-4060	215	17	say	say	VERB
fsr-4060	215	18	they	they	PRON
fsr-4060	215	19	are	be	AUX
fsr-4060	215	20	willing	willing	ADJ
fsr-4060	215	21	to	to	PART
fsr-4060	215	22	borrow	borrow	VERB
fsr-4060	215	23	than	than	ADP
fsr-4060	215	24	students	student	NOUN
fsr-4060	215	25	in	in	ADP
fsr-4060	215	26	their	their	PRON
fsr-4060	215	27	first	first	ADJ
fsr-4060	215	28	year	year	NOUN
fsr-4060	215	29	in	in	ADP
fsr-4060	215	30	college	college	NOUN
fsr-4060	215	31	.	.	PUNCT
fsr-4060	216	1	first	first	ADJ
fsr-4060	216	2	generation	generation	NOUN
fsr-4060	216	3	students	student	NOUN
fsr-4060	216	4	are	be	AUX
fsr-4060	216	5	not	not	PART
fsr-4060	216	6	statistically	statistically	ADV
fsr-4060	216	7	different	different	ADJ
fsr-4060	216	8	than	than	ADP
fsr-4060	216	9	their	their	PRON
fsr-4060	216	10	counterparts	counterpart	NOUN
fsr-4060	216	11	in	in	ADP
fsr-4060	216	12	terms	term	NOUN
fsr-4060	216	13	of	of	ADP
fsr-4060	216	14	willingness	willingness	NOUN
fsr-4060	216	15	to	to	PART
fsr-4060	216	16	borrow	borrow	VERB
fsr-4060	216	17	or	or	CCONJ
fsr-4060	216	18	how	how	SCONJ
fsr-4060	216	19	much	much	ADJ
fsr-4060	216	20	they	they	PRON
fsr-4060	216	21	are	be	AUX
fsr-4060	216	22	willing	willing	ADJ
fsr-4060	216	23	to	to	PART
fsr-4060	216	24	borrow	borrow	VERB
fsr-4060	216	25	.	.	PUNCT
fsr-4060	217	1	this	this	PRON
fsr-4060	217	2	differs	differ	VERB
fsr-4060	217	3	from	from	ADP
fsr-4060	217	4	findings	finding	NOUN
fsr-4060	217	5	in	in	ADP
fsr-4060	217	6	a	a	DET
fsr-4060	217	7	study	study	NOUN
fsr-4060	217	8	by	by	ADP
fsr-4060	217	9	furquim	furquim	PROPN
fsr-4060	217	10	et	et	PROPN
fsr-4060	217	11	al	al	PROPN
fsr-4060	217	12	.	.	PROPN
fsr-4060	218	1	(	(	PUNCT
fsr-4060	218	2	2017	2017	NUM
fsr-4060	218	3	)	)	PUNCT
fsr-4060	218	4	that	that	PRON
fsr-4060	218	5	reported	report	VERB
fsr-4060	218	6	first	first	ADJ
fsr-4060	218	7	generation	generation	NOUN
fsr-4060	218	8	students	student	NOUN
fsr-4060	218	9	were	be	AUX
fsr-4060	218	10	both	both	PRON
fsr-4060	218	11	more	more	ADV
fsr-4060	218	12	likely	likely	ADJ
fsr-4060	218	13	to	to	PART
fsr-4060	218	14	borrow	borrow	VERB
fsr-4060	218	15	and	and	CCONJ
fsr-4060	218	16	willing	willing	ADJ
fsr-4060	218	17	to	to	PART
fsr-4060	218	18	borrow	borrow	VERB
fsr-4060	218	19	more	more	ADJ
fsr-4060	218	20	and	and	CCONJ
fsr-4060	218	21	from	from	ADP
fsr-4060	218	22	the	the	DET
fsr-4060	218	23	findings	finding	NOUN
fsr-4060	218	24	by	by	ADP
fsr-4060	218	25	goldrick	goldrick	NOUN
fsr-4060	218	26	-	-	PUNCT
fsr-4060	218	27	rab	rab	PROPN
fsr-4060	218	28	and	and	CCONJ
fsr-4060	218	29	kelchen	kelchen	PROPN
fsr-4060	218	30	(	(	PUNCT
fsr-4060	218	31	2015	2015	NUM
fsr-4060	218	32	)	)	PUNCT
fsr-4060	218	33	that	that	SCONJ
fsr-4060	218	34	more	more	ADV
fsr-4060	218	35	parental	parental	ADJ
fsr-4060	218	36	education	education	NOUN
fsr-4060	218	37	leads	lead	VERB
fsr-4060	218	38	to	to	ADP
fsr-4060	218	39	less	less	ADJ
fsr-4060	218	40	debt	debt	NOUN
fsr-4060	218	41	aversion	aversion	NOUN
fsr-4060	218	42	.	.	PUNCT
fsr-4060	219	1	non	non	ADJ
fsr-4060	219	2	-	-	ADJ
fsr-4060	219	3	traditional	traditional	ADJ
fsr-4060	219	4	students	student	NOUN
fsr-4060	219	5	display	display	VERB
fsr-4060	219	6	more	more	ADJ
fsr-4060	219	7	reluctance	reluctance	NOUN
fsr-4060	219	8	to	to	PART
fsr-4060	219	9	borrow	borrow	VERB
fsr-4060	219	10	.	.	PUNCT
fsr-4060	220	1	they	they	PRON
fsr-4060	220	2	were	be	AUX
fsr-4060	220	3	3.1	3.1	NUM
fsr-4060	220	4	percentage	percentage	NOUN
fsr-4060	220	5	points	point	NOUN
fsr-4060	220	6	less	less	ADV
fsr-4060	220	7	likely	likely	ADJ
fsr-4060	220	8	to	to	PART
fsr-4060	220	9	say	say	VERB
fsr-4060	220	10	they	they	PRON
fsr-4060	220	11	are	be	AUX
fsr-4060	220	12	willing	willing	ADJ
fsr-4060	220	13	to	to	PART
fsr-4060	220	14	borrow	borrow	VERB
fsr-4060	220	15	and	and	CCONJ
fsr-4060	220	16	4.4	4.4	NUM
fsr-4060	220	17	percentage	percentage	NOUN
fsr-4060	220	18	points	point	NOUN
fsr-4060	220	19	more	more	ADV
fsr-4060	220	20	likely	likely	ADJ
fsr-4060	220	21	to	to	PART
fsr-4060	220	22	say	say	VERB
fsr-4060	220	23	they	they	PRON
fsr-4060	220	24	are	be	AUX
fsr-4060	220	25	unwilling	unwilling	ADJ
fsr-4060	220	26	to	to	PART
fsr-4060	220	27	borrow	borrow	VERB
fsr-4060	220	28	.	.	PUNCT
fsr-4060	221	1	in	in	ADP
fsr-4060	221	2	addition	addition	NOUN
fsr-4060	221	3	,	,	PUNCT
fsr-4060	221	4	the	the	DET
fsr-4060	221	5	amount	amount	NOUN
fsr-4060	221	6	they	they	PRON
fsr-4060	221	7	are	be	AUX
fsr-4060	221	8	willing	willing	ADJ
fsr-4060	221	9	to	to	PART
fsr-4060	221	10	borrow	borrow	VERB
fsr-4060	221	11	is	be	AUX
fsr-4060	221	12	negative	negative	ADJ
fsr-4060	221	13	and	and	CCONJ
fsr-4060	221	14	significant	significant	ADJ
fsr-4060	221	15	(	(	PUNCT
fsr-4060	221	16	me	i	PRON
fsr-4060	221	17	=	=	PUNCT
fsr-4060	221	18	-1.424	-1.424	PROPN
fsr-4060	221	19	,	,	PUNCT
fsr-4060	221	20	p	p	X
fsr-4060	221	21	<	<	X
fsr-4060	221	22	.001	.001	NUM
fsr-4060	221	23	)	)	PUNCT
fsr-4060	221	24	.	.	PUNCT
fsr-4060	222	1	this	this	PRON
fsr-4060	222	2	may	may	AUX
fsr-4060	222	3	stem	stem	VERB
fsr-4060	222	4	from	from	ADP
fsr-4060	222	5	the	the	DET
fsr-4060	222	6	fact	fact	NOUN
fsr-4060	222	7	that	that	SCONJ
fsr-4060	222	8	they	they	PRON
fsr-4060	222	9	are	be	AUX
fsr-4060	222	10	older	old	ADJ
fsr-4060	222	11	,	,	PUNCT
fsr-4060	222	12	more	more	ADV
fsr-4060	222	13	mature	mature	ADJ
fsr-4060	222	14	,	,	PUNCT
fsr-4060	222	15	and	and	CCONJ
fsr-4060	222	16	may	may	AUX
fsr-4060	222	17	have	have	VERB
fsr-4060	222	18	more	more	ADJ
fsr-4060	222	19	financial	financial	ADJ
fsr-4060	222	20	resources	resource	NOUN
fsr-4060	222	21	at	at	ADP
fsr-4060	222	22	their	their	PRON
fsr-4060	222	23	disposal	disposal	NOUN
fsr-4060	222	24	.	.	PUNCT
fsr-4060	223	1	women	woman	NOUN
fsr-4060	223	2	are	be	AUX
fsr-4060	223	3	less	less	ADV
fsr-4060	223	4	likely	likely	ADJ
fsr-4060	223	5	to	to	PART
fsr-4060	223	6	be	be	AUX
fsr-4060	223	7	willing	willing	ADJ
fsr-4060	223	8	to	to	PART
fsr-4060	223	9	borrow	borrow	VERB
fsr-4060	223	10	,	,	PUNCT
fsr-4060	223	11	but	but	CCONJ
fsr-4060	223	12	also	also	ADV
fsr-4060	223	13	less	less	ADV
fsr-4060	223	14	likely	likely	ADJ
fsr-4060	223	15	to	to	PART
fsr-4060	223	16	be	be	AUX
fsr-4060	223	17	unwilling	unwilling	ADJ
fsr-4060	223	18	to	to	PART
fsr-4060	223	19	borrow	borrow	VERB
fsr-4060	223	20	,	,	PUNCT
fsr-4060	223	21	and	and	CCONJ
fsr-4060	223	22	more	more	ADV
fsr-4060	223	23	likely	likely	ADJ
fsr-4060	223	24	to	to	PART
fsr-4060	223	25	be	be	AUX
fsr-4060	223	26	unsure	unsure	ADJ
fsr-4060	223	27	about	about	ADP
fsr-4060	223	28	their	their	PRON
fsr-4060	223	29	willingness	willingness	NOUN
fsr-4060	223	30	to	to	PART
fsr-4060	223	31	borrow	borrow	VERB
fsr-4060	223	32	(	(	PUNCT
fsr-4060	223	33	i.e.	i.e.	X
fsr-4060	223	34	,	,	PUNCT
fsr-4060	223	35	“	"	PUNCT
fsr-4060	223	36	do	do	AUX
fsr-4060	223	37	n’t	not	PART
fsr-4060	223	38	know	know	VERB
fsr-4060	223	39	”	"	PUNCT
fsr-4060	223	40	)	)	PUNCT
fsr-4060	223	41	.	.	PUNCT
fsr-4060	224	1	students	student	NOUN
fsr-4060	224	2	who	who	PRON
fsr-4060	224	3	identify	identify	VERB
fsr-4060	224	4	as	as	ADP
fsr-4060	224	5	a	a	DET
fsr-4060	224	6	race	race	NOUN
fsr-4060	224	7	other	other	ADJ
fsr-4060	224	8	than	than	ADP
fsr-4060	224	9	white	white	ADJ
fsr-4060	224	10	were	be	AUX
fsr-4060	224	11	more	more	ADV
fsr-4060	224	12	likely	likely	ADJ
fsr-4060	224	13	to	to	PART
fsr-4060	224	14	be	be	AUX
fsr-4060	224	15	unwilling	unwilling	ADJ
fsr-4060	224	16	to	to	PART
fsr-4060	224	17	borrow	borrow	VERB
fsr-4060	224	18	than	than	ADP
fsr-4060	224	19	white	white	ADJ
fsr-4060	224	20	students	student	NOUN
fsr-4060	224	21	and	and	CCONJ
fsr-4060	224	22	less	less	ADV
fsr-4060	224	23	likely	likely	ADJ
fsr-4060	224	24	to	to	PART
fsr-4060	224	25	say	say	VERB
fsr-4060	224	26	they	they	PRON
fsr-4060	224	27	are	be	AUX
fsr-4060	224	28	willing	willing	ADJ
fsr-4060	224	29	to	to	PART
fsr-4060	224	30	borrow	borrow	VERB
fsr-4060	224	31	.	.	PUNCT
fsr-4060	225	1	this	this	DET
fsr-4060	225	2	trend	trend	NOUN
fsr-4060	225	3	continues	continue	VERB
fsr-4060	225	4	when	when	SCONJ
fsr-4060	225	5	looking	look	VERB
fsr-4060	225	6	at	at	ADP
fsr-4060	225	7	how	how	SCONJ
fsr-4060	225	8	much	much	ADJ
fsr-4060	225	9	students	student	NOUN
fsr-4060	225	10	are	be	AUX
fsr-4060	225	11	willing	willing	ADJ
fsr-4060	225	12	to	to	PART
fsr-4060	225	13	borrow	borrow	VERB
fsr-4060	225	14	,	,	PUNCT
fsr-4060	225	15	broken	break	VERB
fsr-4060	225	16	down	down	ADP
fsr-4060	225	17	by	by	ADP
fsr-4060	225	18	race	race	NOUN
fsr-4060	225	19	/	/	SYM
fsr-4060	225	20	ethnicity	ethnicity	NOUN
fsr-4060	225	21	.	.	PUNCT
fsr-4060	226	1	students	student	NOUN
fsr-4060	226	2	identifying	identify	VERB
fsr-4060	226	3	as	as	ADP
fsr-4060	226	4	black	black	ADJ
fsr-4060	226	5	,	,	PUNCT
fsr-4060	226	6	hispanic	hispanic	ADJ
fsr-4060	226	7	,	,	PUNCT
fsr-4060	226	8	asian	asian	ADJ
fsr-4060	226	9	,	,	PUNCT
fsr-4060	226	10	or	or	CCONJ
fsr-4060	226	11	other	other	ADJ
fsr-4060	226	12	are	be	AUX
fsr-4060	226	13	all	all	ADV
fsr-4060	226	14	willing	willing	ADJ
fsr-4060	226	15	to	to	PART
fsr-4060	226	16	borrow	borrow	VERB
fsr-4060	226	17	less	less	ADJ
fsr-4060	226	18	than	than	ADP
fsr-4060	226	19	their	their	PRON
fsr-4060	226	20	white	white	ADJ
fsr-4060	226	21	counterparts	counterpart	NOUN
fsr-4060	226	22	.	.	PUNCT
fsr-4060	227	1	this	this	PRON
fsr-4060	227	2	is	be	AUX
fsr-4060	227	3	in	in	ADP
fsr-4060	227	4	line	line	NOUN
fsr-4060	227	5	with	with	ADP
fsr-4060	227	6	boatman	boatman	PROPN
fsr-4060	227	7	et	et	PROPN
fsr-4060	227	8	al	al	PROPN
fsr-4060	227	9	.	.	PROPN
fsr-4060	228	1	(	(	PUNCT
fsr-4060	228	2	2017	2017	NUM
fsr-4060	228	3	)	)	PUNCT
fsr-4060	228	4	who	who	PRON
fsr-4060	228	5	found	find	VERB
fsr-4060	228	6	that	that	SCONJ
fsr-4060	228	7	hispanic	hispanic	ADJ
fsr-4060	228	8	students	student	NOUN
fsr-4060	228	9	were	be	AUX
fsr-4060	228	10	more	more	ADV
fsr-4060	228	11	likely	likely	ADJ
fsr-4060	228	12	to	to	PART
fsr-4060	228	13	be	be	AUX
fsr-4060	228	14	debt	debt	NOUN
fsr-4060	228	15	averse	averse	ADJ
fsr-4060	228	16	but	but	CCONJ
fsr-4060	228	17	differs	differ	VERB
fsr-4060	228	18	from	from	ADP
fsr-4060	228	19	findings	finding	NOUN
fsr-4060	228	20	by	by	ADP
fsr-4060	228	21	goldrick	goldrick	NOUN
fsr-4060	228	22	-	-	PUNCT
fsr-4060	228	23	rab	rab	PROPN
fsr-4060	228	24	and	and	CCONJ
fsr-4060	228	25	kelchen	kelchen	PROPN
fsr-4060	228	26	(	(	PUNCT
fsr-4060	228	27	2015	2015	NUM
fsr-4060	228	28	)	)	PUNCT
fsr-4060	228	29	who	who	PRON
fsr-4060	228	30	found	find	VERB
fsr-4060	228	31	that	that	SCONJ
fsr-4060	228	32	black	black	ADJ
fsr-4060	228	33	students	student	NOUN
fsr-4060	228	34	were	be	AUX
fsr-4060	228	35	more	more	ADV
fsr-4060	228	36	willing	willing	ADJ
fsr-4060	228	37	to	to	PART
fsr-4060	228	38	borrow	borrow	VERB
fsr-4060	228	39	.	.	PUNCT
fsr-4060	229	1	this	this	PRON
fsr-4060	229	2	is	be	AUX
fsr-4060	229	3	an	an	DET
fsr-4060	229	4	important	important	ADJ
fsr-4060	229	5	finding	finding	NOUN
fsr-4060	229	6	that	that	PRON
fsr-4060	229	7	needs	need	VERB
fsr-4060	229	8	further	further	ADJ
fsr-4060	229	9	research	research	NOUN
fsr-4060	229	10	.	.	PUNCT
fsr-4060	230	1	cost	cost	NOUN
fsr-4060	230	2	.	.	PUNCT
fsr-4060	231	1	the	the	DET
fsr-4060	231	2	findings	finding	NOUN
fsr-4060	231	3	provide	provide	VERB
fsr-4060	231	4	evidence	evidence	NOUN
fsr-4060	231	5	to	to	PART
fsr-4060	231	6	support	support	VERB
fsr-4060	231	7	h1	h1	VERB
fsr-4060	231	8	that	that	SCONJ
fsr-4060	231	9	the	the	DET
fsr-4060	231	10	direct	direct	ADJ
fsr-4060	231	11	cost	cost	NOUN
fsr-4060	231	12	of	of	ADP
fsr-4060	231	13	education	education	NOUN
fsr-4060	231	14	is	be	AUX
fsr-4060	231	15	positively	positively	ADV
fsr-4060	231	16	associated	associate	VERB
fsr-4060	231	17	with	with	ADP
fsr-4060	231	18	the	the	DET
fsr-4060	231	19	amount	amount	NOUN
fsr-4060	231	20	willing	willing	ADJ
fsr-4060	231	21	to	to	PART
fsr-4060	231	22	borrow	borrow	VERB
fsr-4060	231	23	.	.	PUNCT
fsr-4060	232	1	net	net	ADJ
fsr-4060	232	2	price	price	NOUN
fsr-4060	232	3	was	be	AUX
fsr-4060	232	4	negatively	negatively	ADV
fsr-4060	232	5	correlated	correlate	VERB
fsr-4060	232	6	with	with	ADP
fsr-4060	232	7	unwillingness	unwillingness	NOUN
fsr-4060	232	8	to	to	PART
fsr-4060	232	9	borrow	borrow	VERB
fsr-4060	232	10	and	and	CCONJ
fsr-4060	232	11	positively	positively	ADV
fsr-4060	232	12	correlated	correlate	VERB
fsr-4060	232	13	with	with	ADP
fsr-4060	232	14	a	a	DET
fsr-4060	232	15	willingness	willingness	NOUN
fsr-4060	232	16	to	to	PART
fsr-4060	232	17	borrow	borrow	VERB
fsr-4060	232	18	.	.	PUNCT
fsr-4060	233	1	students	student	NOUN
fsr-4060	233	2	attending	attend	VERB
fsr-4060	233	3	universities	university	NOUN
fsr-4060	233	4	with	with	ADP
fsr-4060	233	5	higher	high	ADJ
fsr-4060	233	6	net	net	ADJ
fsr-4060	233	7	price	price	NOUN
fsr-4060	233	8	were	be	AUX
fsr-4060	233	9	more	more	ADV
fsr-4060	233	10	likely	likely	ADJ
fsr-4060	233	11	to	to	PART
fsr-4060	233	12	say	say	VERB
fsr-4060	233	13	they	they	PRON
fsr-4060	233	14	did	do	AUX
fsr-4060	233	15	not	not	PART
fsr-4060	233	16	know	know	VERB
fsr-4060	233	17	how	how	SCONJ
fsr-4060	233	18	much	much	ADJ
fsr-4060	233	19	they	they	PRON
fsr-4060	233	20	would	would	AUX
fsr-4060	233	21	borrow	borrow	VERB
fsr-4060	233	22	.	.	PUNCT
fsr-4060	234	1	this	this	PRON
fsr-4060	234	2	may	may	AUX
fsr-4060	234	3	reflect	reflect	VERB
fsr-4060	234	4	an	an	DET
fsr-4060	234	5	acknowledgement	acknowledgement	NOUN
fsr-4060	234	6	that	that	SCONJ
fsr-4060	234	7	the	the	DET
fsr-4060	234	8	high	high	ADJ
fsr-4060	234	9	cost	cost	NOUN
fsr-4060	234	10	of	of	ADP
fsr-4060	234	11	their	their	PRON
fsr-4060	234	12	college	college	NOUN
fsr-4060	234	13	creates	create	VERB
fsr-4060	234	14	some	some	DET
fsr-4060	234	15	uncertainty	uncertainty	NOUN
fsr-4060	234	16	about	about	ADP
fsr-4060	234	17	the	the	DET
fsr-4060	234	18	amount	amount	NOUN
fsr-4060	234	19	of	of	ADP
fsr-4060	234	20	loans	loan	NOUN
fsr-4060	234	21	that	that	PRON
fsr-4060	234	22	will	will	AUX
fsr-4060	234	23	be	be	AUX
fsr-4060	234	24	required	require	VERB
fsr-4060	234	25	to	to	PART
fsr-4060	234	26	finish	finish	VERB
fsr-4060	234	27	the	the	DET
fsr-4060	234	28	degree	degree	NOUN
fsr-4060	234	29	.	.	PUNCT
fsr-4060	235	1	students	student	NOUN
fsr-4060	235	2	from	from	ADP
fsr-4060	235	3	higher	high	ADJ
fsr-4060	235	4	cost	cost	NOUN
fsr-4060	235	5	schools	school	NOUN
fsr-4060	235	6	reported	report	VERB
fsr-4060	235	7	being	be	AUX
fsr-4060	235	8	willing	willing	ADJ
fsr-4060	235	9	to	to	PART
fsr-4060	235	10	accumulate	accumulate	VERB
fsr-4060	235	11	significantly	significantly	ADV
fsr-4060	235	12	more	more	ADJ
fsr-4060	235	13	student	student	NOUN
fsr-4060	235	14	loan	loan	NOUN
fsr-4060	235	15	debt	debt	NOUN
fsr-4060	235	16	(	(	PUNCT
fsr-4060	235	17	me	i	PRON
fsr-4060	235	18	=	=	SYM
fsr-4060	235	19	5.485	5.485	NUM
fsr-4060	235	20	,	,	PUNCT
fsr-4060	235	21	p	p	X
fsr-4060	235	22	<	<	X
fsr-4060	235	23	.001	.001	NUM
fsr-4060	235	24	)	)	PUNCT
fsr-4060	235	25	.	.	PUNCT
fsr-4060	236	1	students	student	NOUN
fsr-4060	236	2	paying	pay	VERB
fsr-4060	236	3	out	out	ADP
fsr-4060	236	4	of	of	ADP
fsr-4060	236	5	state	state	NOUN
fsr-4060	236	6	tuition	tuition	NOUN
fsr-4060	236	7	at	at	ADP
fsr-4060	236	8	public	public	ADJ
fsr-4060	236	9	schools	school	NOUN
fsr-4060	236	10	are	be	AUX
fsr-4060	236	11	less	less	ADV
fsr-4060	236	12	likely	likely	ADJ
fsr-4060	236	13	to	to	PART
fsr-4060	236	14	be	be	AUX
fsr-4060	236	15	unwilling	unwilling	ADJ
fsr-4060	236	16	to	to	PART
fsr-4060	236	17	borrow	borrow	VERB
fsr-4060	236	18	,	,	PUNCT
fsr-4060	236	19	more	more	ADV
fsr-4060	236	20	likely	likely	ADJ
fsr-4060	236	21	to	to	PART
fsr-4060	236	22	be	be	AUX
fsr-4060	236	23	willing	willing	ADJ
fsr-4060	236	24	to	to	PART
fsr-4060	236	25	borrow	borrow	VERB
fsr-4060	236	26	,	,	PUNCT
fsr-4060	236	27	and	and	CCONJ
fsr-4060	236	28	more	more	ADV
fsr-4060	236	29	likely	likely	ADJ
fsr-4060	236	30	to	to	PART
fsr-4060	236	31	be	be	AUX
fsr-4060	236	32	uncertain	uncertain	ADJ
fsr-4060	236	33	about	about	ADP
fsr-4060	236	34	borrowing	borrow	VERB
fsr-4060	236	35	that	that	SCONJ
fsr-4060	236	36	those	those	DET
fsr-4060	236	37	financial	financial	PROPN
fsr-4060	236	38	services	service	NOUN
fsr-4060	236	39	review	review	NOUN
fsr-4060	236	40	,	,	PUNCT
fsr-4060	236	41	33(2	33(2	NUM
fsr-4060	236	42	)	)	PUNCT
fsr-4060	236	43	84	84	NUM
fsr-4060	236	44	paying	pay	VERB
fsr-4060	236	45	in	in	ADP
fsr-4060	236	46	-	-	PUNCT
fsr-4060	236	47	state	state	NOUN
fsr-4060	236	48	tuition	tuition	NOUN
fsr-4060	236	49	.	.	PUNCT
fsr-4060	237	1	the	the	DET
fsr-4060	237	2	amount	amount	NOUN
fsr-4060	237	3	they	they	PRON
fsr-4060	237	4	are	be	AUX
fsr-4060	237	5	willing	willing	ADJ
fsr-4060	237	6	to	to	PART
fsr-4060	237	7	borrow	borrow	VERB
fsr-4060	237	8	is	be	AUX
fsr-4060	237	9	also	also	ADV
fsr-4060	237	10	much	much	ADV
fsr-4060	237	11	higher	high	ADJ
fsr-4060	237	12	(	(	PUNCT
fsr-4060	237	13	me	i	PRON
fsr-4060	237	14	=	=	SYM
fsr-4060	237	15	5.631	5.631	NUM
fsr-4060	237	16	,	,	PUNCT
fsr-4060	237	17	p	p	X
fsr-4060	237	18	<	<	X
fsr-4060	237	19	.001	.001	NUM
fsr-4060	237	20	)	)	PUNCT
fsr-4060	237	21	.	.	PUNCT
fsr-4060	238	1	these	these	DET
fsr-4060	238	2	findings	finding	NOUN
fsr-4060	238	3	are	be	AUX
fsr-4060	238	4	consistent	consistent	ADJ
fsr-4060	238	5	with	with	ADP
fsr-4060	238	6	other	other	ADJ
fsr-4060	238	7	studies	study	NOUN
fsr-4060	238	8	(	(	PUNCT
fsr-4060	238	9	goldrick	goldrick	PROPN
fsr-4060	238	10	-	-	PUNCT
fsr-4060	238	11	rab	rab	PROPN
fsr-4060	238	12	&	&	CCONJ
fsr-4060	238	13	kelchen	kelchen	PROPN
fsr-4060	238	14	,	,	PUNCT
fsr-4060	238	15	2015	2015	NUM
fsr-4060	238	16	;	;	PUNCT
fsr-4060	238	17	hart	hart	PROPN
fsr-4060	238	18	&	&	CCONJ
fsr-4060	238	19	mustafa	mustafa	PROPN
fsr-4060	238	20	,	,	PUNCT
fsr-4060	238	21	2008	2008	NUM
fsr-4060	238	22	)	)	PUNCT
fsr-4060	238	23	which	which	PRON
fsr-4060	238	24	found	find	VERB
fsr-4060	238	25	that	that	SCONJ
fsr-4060	238	26	students	student	NOUN
fsr-4060	238	27	attending	attend	VERB
fsr-4060	238	28	universities	university	NOUN
fsr-4060	238	29	with	with	ADP
fsr-4060	238	30	higher	high	ADJ
fsr-4060	238	31	net	net	ADJ
fsr-4060	238	32	costs	cost	NOUN
fsr-4060	238	33	were	be	AUX
fsr-4060	238	34	less	less	ADV
fsr-4060	238	35	likely	likely	ADJ
fsr-4060	238	36	to	to	PART
fsr-4060	238	37	be	be	AUX
fsr-4060	238	38	debt	debt	NOUN
fsr-4060	238	39	averse	averse	ADJ
fsr-4060	238	40	and	and	CCONJ
fsr-4060	238	41	were	be	AUX
fsr-4060	238	42	willing	willing	ADJ
fsr-4060	238	43	to	to	PART
fsr-4060	238	44	borrow	borrow	VERB
fsr-4060	238	45	more	more	ADJ
fsr-4060	238	46	.	.	PUNCT
fsr-4060	239	1	it	it	PRON
fsr-4060	239	2	’s	’	VERB
fsr-4060	239	3	worthwhile	worthwhile	ADJ
fsr-4060	239	4	to	to	PART
fsr-4060	239	5	note	note	VERB
fsr-4060	239	6	that	that	SCONJ
fsr-4060	239	7	students	student	NOUN
fsr-4060	239	8	from	from	ADP
fsr-4060	239	9	private	private	ADJ
fsr-4060	239	10	schools	school	NOUN
fsr-4060	239	11	have	have	VERB
fsr-4060	239	12	opposite	opposite	ADJ
fsr-4060	239	13	results	result	NOUN
fsr-4060	239	14	than	than	ADP
fsr-4060	239	15	those	those	PRON
fsr-4060	239	16	paying	pay	VERB
fsr-4060	239	17	out	out	ADV
fsr-4060	239	18	-	-	PUNCT
fsr-4060	239	19	of	of	ADP
fsr-4060	239	20	-	-	PUNCT
fsr-4060	239	21	state	state	NOUN
fsr-4060	239	22	tuition	tuition	NOUN
fsr-4060	239	23	;	;	PUNCT
fsr-4060	239	24	they	they	PRON
fsr-4060	239	25	are	be	AUX
fsr-4060	239	26	more	more	ADV
fsr-4060	239	27	likely	likely	ADJ
fsr-4060	239	28	to	to	PART
fsr-4060	239	29	be	be	AUX
fsr-4060	239	30	unwilling	unwilling	ADJ
fsr-4060	239	31	to	to	PART
fsr-4060	239	32	borrow	borrow	VERB
fsr-4060	239	33	and	and	CCONJ
fsr-4060	239	34	less	less	ADV
fsr-4060	239	35	likely	likely	ADJ
fsr-4060	239	36	to	to	PART
fsr-4060	239	37	be	be	AUX
fsr-4060	239	38	willing	willing	ADJ
fsr-4060	239	39	to	to	PART
fsr-4060	239	40	borrow	borrow	VERB
fsr-4060	239	41	than	than	ADP
fsr-4060	239	42	students	student	NOUN
fsr-4060	239	43	from	from	ADP
fsr-4060	239	44	in	in	ADP
fsr-4060	239	45	-	-	PUNCT
fsr-4060	239	46	state	state	NOUN
fsr-4060	239	47	public	public	ADJ
fsr-4060	239	48	schools	school	NOUN
fsr-4060	239	49	.	.	PUNCT
fsr-4060	240	1	they	they	PRON
fsr-4060	240	2	are	be	AUX
fsr-4060	240	3	also	also	ADV
fsr-4060	240	4	willing	willing	ADJ
fsr-4060	240	5	to	to	PART
fsr-4060	240	6	borrow	borrow	VERB
fsr-4060	240	7	less	less	ADJ
fsr-4060	241	1	(	(	PUNCT
fsr-4060	241	2	me	i	PRON
fsr-4060	241	3	=	=	PUNCT
fsr-4060	241	4	-2.365	-2.365	NOUN
fsr-4060	241	5	,	,	PUNCT
fsr-4060	241	6	p	p	X
fsr-4060	241	7	<	<	X
fsr-4060	241	8	.001	.001	NUM
fsr-4060	241	9	)	)	PUNCT
fsr-4060	241	10	.	.	PUNCT
fsr-4060	242	1	we	we	PRON
fsr-4060	242	2	think	think	VERB
fsr-4060	242	3	the	the	DET
fsr-4060	242	4	private	private	ADJ
fsr-4060	242	5	school	school	NOUN
fsr-4060	242	6	findings	finding	NOUN
fsr-4060	242	7	are	be	AUX
fsr-4060	242	8	picking	pick	VERB
fsr-4060	242	9	up	up	ADP
fsr-4060	242	10	on	on	ADP
fsr-4060	242	11	family	family	NOUN
fsr-4060	242	12	affluency	affluency	NOUN
fsr-4060	242	13	rather	rather	ADV
fsr-4060	242	14	than	than	ADP
fsr-4060	242	15	cost	cost	NOUN
fsr-4060	242	16	of	of	ADP
fsr-4060	242	17	attendance	attendance	NOUN
fsr-4060	242	18	.	.	PUNCT
fsr-4060	243	1	educational	educational	ADJ
fsr-4060	243	2	attainment	attainment	NOUN
fsr-4060	243	3	.	.	PUNCT
fsr-4060	244	1	we	we	PRON
fsr-4060	244	2	find	find	VERB
fsr-4060	244	3	partial	partial	ADJ
fsr-4060	244	4	support	support	NOUN
fsr-4060	244	5	for	for	ADP
fsr-4060	244	6	the	the	DET
fsr-4060	244	7	hypothesis	hypothesis	NOUN
fsr-4060	244	8	that	that	SCONJ
fsr-4060	244	9	those	those	PRON
fsr-4060	244	10	with	with	ADP
fsr-4060	244	11	higher	high	ADJ
fsr-4060	244	12	educational	educational	ADJ
fsr-4060	244	13	aspirations	aspiration	NOUN
fsr-4060	244	14	are	be	AUX
fsr-4060	244	15	more	more	ADV
fsr-4060	244	16	likely	likely	ADJ
fsr-4060	244	17	to	to	PART
fsr-4060	244	18	borrow	borrow	VERB
fsr-4060	244	19	(	(	PUNCT
fsr-4060	244	20	h2	h2	NOUN
fsr-4060	244	21	)	)	PUNCT
fsr-4060	244	22	,	,	PUNCT
fsr-4060	244	23	in	in	ADP
fsr-4060	244	24	line	line	NOUN
fsr-4060	244	25	with	with	ADP
fsr-4060	244	26	the	the	DET
fsr-4060	244	27	expectation	expectation	NOUN
fsr-4060	244	28	of	of	ADP
fsr-4060	244	29	human	human	ADJ
fsr-4060	244	30	capital	capital	NOUN
fsr-4060	244	31	theory	theory	NOUN
fsr-4060	244	32	.	.	PUNCT
fsr-4060	245	1	gpa	gpa	PROPN
fsr-4060	245	2	is	be	AUX
fsr-4060	245	3	positively	positively	ADV
fsr-4060	245	4	correlated	correlate	VERB
fsr-4060	245	5	with	with	ADP
fsr-4060	245	6	an	an	DET
fsr-4060	245	7	unwillingness	unwillingness	NOUN
fsr-4060	245	8	to	to	PART
fsr-4060	245	9	borrow	borrow	VERB
fsr-4060	245	10	and	and	CCONJ
fsr-4060	245	11	those	those	PRON
fsr-4060	245	12	with	with	ADP
fsr-4060	245	13	higher	high	ADJ
fsr-4060	245	14	gpa	gpa	NOUN
fsr-4060	245	15	are	be	AUX
fsr-4060	245	16	less	less	ADV
fsr-4060	245	17	likely	likely	ADJ
fsr-4060	245	18	to	to	PART
fsr-4060	245	19	be	be	AUX
fsr-4060	245	20	uncertain	uncertain	ADJ
fsr-4060	245	21	about	about	ADP
fsr-4060	245	22	borrowing	borrowing	NOUN
fsr-4060	245	23	.	.	PUNCT
fsr-4060	246	1	the	the	DET
fsr-4060	246	2	second	second	ADJ
fsr-4060	246	3	analysis	analysis	NOUN
fsr-4060	246	4	indicates	indicate	VERB
fsr-4060	246	5	that	that	SCONJ
fsr-4060	246	6	gpa	gpa	PROPN
fsr-4060	246	7	is	be	AUX
fsr-4060	246	8	negatively	negatively	ADV
fsr-4060	246	9	associated	associate	VERB
fsr-4060	246	10	with	with	ADP
fsr-4060	246	11	the	the	DET
fsr-4060	246	12	amount	amount	NOUN
fsr-4060	246	13	students	student	NOUN
fsr-4060	246	14	are	be	AUX
fsr-4060	246	15	willing	willing	ADJ
fsr-4060	246	16	to	to	PART
fsr-4060	246	17	borrow	borrow	VERB
fsr-4060	246	18	(	(	PUNCT
fsr-4060	246	19	me	i	PRON
fsr-4060	246	20	=	=	PUNCT
fsr-4060	246	21	-2.142	-2.142	PROPN
fsr-4060	246	22	,	,	PUNCT
fsr-4060	246	23	p	p	X
fsr-4060	246	24	<	<	X
fsr-4060	246	25	.001	.001	NUM
fsr-4060	246	26	)	)	PUNCT
fsr-4060	246	27	.	.	PUNCT
fsr-4060	247	1	this	this	PRON
fsr-4060	247	2	differs	differ	VERB
fsr-4060	247	3	slightly	slightly	ADV
fsr-4060	247	4	from	from	ADP
fsr-4060	247	5	goldrick	goldrick	NOUN
fsr-4060	247	6	-	-	PUNCT
fsr-4060	247	7	rab	rab	PROPN
fsr-4060	247	8	and	and	CCONJ
fsr-4060	247	9	kelchen	kelchen	PROPN
fsr-4060	247	10	’s	’s	PART
fsr-4060	247	11	(	(	PUNCT
fsr-4060	247	12	2015	2015	NUM
fsr-4060	247	13	)	)	PUNCT
fsr-4060	247	14	findings	finding	NOUN
fsr-4060	247	15	that	that	SCONJ
fsr-4060	247	16	students	student	NOUN
fsr-4060	247	17	who	who	PRON
fsr-4060	247	18	expressed	express	VERB
fsr-4060	247	19	an	an	DET
fsr-4060	247	20	unwillingness	unwillingness	NOUN
fsr-4060	247	21	to	to	PART
fsr-4060	247	22	borrow	borrow	VERB
fsr-4060	247	23	had	have	VERB
fsr-4060	247	24	lower	low	ADJ
fsr-4060	247	25	gpas	gpa	NOUN
fsr-4060	247	26	than	than	ADP
fsr-4060	247	27	students	student	NOUN
fsr-4060	247	28	who	who	PRON
fsr-4060	247	29	were	be	AUX
fsr-4060	247	30	willing	willing	ADJ
fsr-4060	247	31	to	to	PART
fsr-4060	247	32	borrow	borrow	VERB
fsr-4060	247	33	.	.	PUNCT
fsr-4060	248	1	the	the	DET
fsr-4060	248	2	way	way	NOUN
fsr-4060	248	3	the	the	DET
fsr-4060	248	4	question	question	NOUN
fsr-4060	248	5	in	in	ADP
fsr-4060	248	6	the	the	DET
fsr-4060	248	7	scfw	scfw	NOUN
fsr-4060	248	8	is	be	AUX
fsr-4060	248	9	asked	ask	VERB
fsr-4060	248	10	may	may	AUX
fsr-4060	248	11	explain	explain	VERB
fsr-4060	248	12	the	the	DET
fsr-4060	248	13	more	more	ADV
fsr-4060	248	14	nuanced	nuanced	ADJ
fsr-4060	248	15	finding	finding	NOUN
fsr-4060	248	16	and	and	CCONJ
fsr-4060	248	17	there	there	PRON
fsr-4060	248	18	are	be	VERB
fsr-4060	248	19	other	other	ADJ
fsr-4060	248	20	possible	possible	ADJ
fsr-4060	248	21	explanations	explanation	NOUN
fsr-4060	248	22	for	for	ADP
fsr-4060	248	23	this	this	DET
fsr-4060	248	24	finding	finding	NOUN
fsr-4060	248	25	.	.	PUNCT
fsr-4060	249	1	one	one	NUM
fsr-4060	249	2	possibility	possibility	NOUN
fsr-4060	249	3	is	be	AUX
fsr-4060	249	4	that	that	SCONJ
fsr-4060	249	5	students	student	NOUN
fsr-4060	249	6	with	with	ADP
fsr-4060	249	7	higher	high	ADJ
fsr-4060	249	8	gpas	gpa	NOUN
fsr-4060	249	9	may	may	AUX
fsr-4060	249	10	plan	plan	VERB
fsr-4060	249	11	to	to	PART
fsr-4060	249	12	finish	finish	VERB
fsr-4060	249	13	on	on	ADP
fsr-4060	249	14	time	time	NOUN
fsr-4060	249	15	or	or	CCONJ
fsr-4060	249	16	even	even	ADV
fsr-4060	249	17	early	early	ADV
fsr-4060	249	18	,	,	PUNCT
fsr-4060	249	19	whereas	whereas	SCONJ
fsr-4060	249	20	students	student	NOUN
fsr-4060	249	21	with	with	ADP
fsr-4060	249	22	lower	low	ADJ
fsr-4060	249	23	gpas	gpa	NOUN
fsr-4060	249	24	may	may	AUX
fsr-4060	249	25	take	take	VERB
fsr-4060	249	26	longer	long	ADV
fsr-4060	249	27	to	to	PART
fsr-4060	249	28	finish	finish	VERB
fsr-4060	249	29	their	their	PRON
fsr-4060	249	30	degree	degree	NOUN
fsr-4060	249	31	.	.	PUNCT
fsr-4060	250	1	students	student	NOUN
fsr-4060	250	2	with	with	ADP
fsr-4060	250	3	higher	high	ADJ
fsr-4060	250	4	gpas	gpa	NOUN
fsr-4060	250	5	may	may	AUX
fsr-4060	250	6	receive	receive	VERB
fsr-4060	250	7	more	more	ADJ
fsr-4060	250	8	financial	financial	ADJ
fsr-4060	250	9	support	support	NOUN
fsr-4060	250	10	(	(	PUNCT
fsr-4060	250	11	grants	grant	NOUN
fsr-4060	250	12	/	/	SYM
fsr-4060	250	13	scholarships	scholarship	NOUN
fsr-4060	250	14	)	)	PUNCT
fsr-4060	250	15	or	or	CCONJ
fsr-4060	250	16	may	may	AUX
fsr-4060	250	17	simply	simply	ADV
fsr-4060	250	18	be	be	AUX
fsr-4060	250	19	more	more	ADV
fsr-4060	250	20	pragmatic	pragmatic	ADJ
fsr-4060	250	21	about	about	ADP
fsr-4060	250	22	their	their	PRON
fsr-4060	250	23	borrowing	borrowing	NOUN
fsr-4060	250	24	behaviors	behavior	NOUN
fsr-4060	250	25	.	.	PUNCT
fsr-4060	251	1	to	to	PART
fsr-4060	251	2	further	further	VERB
fsr-4060	251	3	this	this	DET
fsr-4060	251	4	point	point	NOUN
fsr-4060	251	5	,	,	PUNCT
fsr-4060	251	6	students	student	NOUN
fsr-4060	251	7	with	with	ADP
fsr-4060	251	8	high	high	ADJ
fsr-4060	251	9	gpas	gpa	NOUN
fsr-4060	251	10	are	be	AUX
fsr-4060	251	11	less	less	ADV
fsr-4060	251	12	likely	likely	ADJ
fsr-4060	251	13	to	to	PART
fsr-4060	251	14	respond	respond	VERB
fsr-4060	251	15	“	"	PUNCT
fsr-4060	251	16	do	do	AUX
fsr-4060	251	17	n’t	not	PART
fsr-4060	251	18	know	know	VERB
fsr-4060	251	19	”	"	PUNCT
fsr-4060	251	20	when	when	SCONJ
fsr-4060	251	21	asked	ask	VERB
fsr-4060	251	22	whether	whether	SCONJ
fsr-4060	251	23	they	they	PRON
fsr-4060	251	24	are	be	AUX
fsr-4060	251	25	willing	willing	ADJ
fsr-4060	251	26	to	to	PART
fsr-4060	251	27	borrow	borrow	VERB
fsr-4060	251	28	.	.	PUNCT
fsr-4060	252	1	students	student	NOUN
fsr-4060	252	2	who	who	PRON
fsr-4060	252	3	believe	believe	VERB
fsr-4060	252	4	tuition	tuition	NOUN
fsr-4060	252	5	is	be	AUX
fsr-4060	252	6	a	a	DET
fsr-4060	252	7	good	good	ADJ
fsr-4060	252	8	investment	investment	NOUN
fsr-4060	252	9	were	be	AUX
fsr-4060	252	10	4.3	4.3	NUM
fsr-4060	252	11	percentage	percentage	NOUN
fsr-4060	252	12	points	point	NOUN
fsr-4060	252	13	more	more	ADV
fsr-4060	252	14	willing	willing	ADJ
fsr-4060	252	15	to	to	PART
fsr-4060	252	16	borrow	borrow	VERB
fsr-4060	252	17	and	and	CCONJ
fsr-4060	252	18	were	be	AUX
fsr-4060	252	19	willing	willing	ADJ
fsr-4060	252	20	to	to	PART
fsr-4060	252	21	borrow	borrow	VERB
fsr-4060	252	22	more	more	ADJ
fsr-4060	252	23	(	(	PUNCT
fsr-4060	252	24	me	i	PRON
fsr-4060	252	25	=	=	NOUN
fsr-4060	252	26	3.138	3.138	NUM
fsr-4060	252	27	,	,	PUNCT
fsr-4060	252	28	p	p	X
fsr-4060	252	29	<	<	X
fsr-4060	252	30	.001	.001	NUM
fsr-4060	252	31	)	)	PUNCT
fsr-4060	252	32	.	.	PUNCT
fsr-4060	253	1	this	this	PRON
fsr-4060	253	2	supports	support	VERB
fsr-4060	253	3	the	the	DET
fsr-4060	253	4	notion	notion	NOUN
fsr-4060	253	5	that	that	SCONJ
fsr-4060	253	6	they	they	PRON
fsr-4060	253	7	are	be	AUX
fsr-4060	253	8	making	make	VERB
fsr-4060	253	9	rational	rational	ADJ
fsr-4060	253	10	borrowing	borrowing	NOUN
fsr-4060	253	11	decisions	decision	NOUN
fsr-4060	253	12	premised	premise	VERB
fsr-4060	253	13	by	by	ADP
fsr-4060	253	14	human	human	ADJ
fsr-4060	253	15	capital	capital	NOUN
fsr-4060	253	16	theory	theory	NOUN
fsr-4060	253	17	.	.	PUNCT
fsr-4060	254	1	students	student	NOUN
fsr-4060	254	2	with	with	ADP
fsr-4060	254	3	an	an	DET
fsr-4060	254	4	intention	intention	NOUN
fsr-4060	254	5	to	to	PART
fsr-4060	254	6	pursue	pursue	VERB
fsr-4060	254	7	advanced	advanced	ADJ
fsr-4060	254	8	education	education	NOUN
fsr-4060	254	9	were	be	AUX
fsr-4060	254	10	less	less	ADV
fsr-4060	254	11	likely	likely	ADJ
fsr-4060	254	12	to	to	PART
fsr-4060	254	13	say	say	VERB
fsr-4060	254	14	they	they	PRON
fsr-4060	254	15	were	be	AUX
fsr-4060	254	16	unwilling	unwilling	ADJ
fsr-4060	254	17	to	to	PART
fsr-4060	254	18	borrow	borrow	VERB
fsr-4060	254	19	and	and	CCONJ
fsr-4060	254	20	more	more	ADV
fsr-4060	254	21	likely	likely	ADJ
fsr-4060	254	22	to	to	PART
fsr-4060	254	23	say	say	VERB
fsr-4060	254	24	they	they	PRON
fsr-4060	254	25	were	be	AUX
fsr-4060	254	26	willing	willing	ADJ
fsr-4060	254	27	to	to	PART
fsr-4060	254	28	borrow	borrow	VERB
fsr-4060	254	29	.	.	PUNCT
fsr-4060	255	1	this	this	PRON
fsr-4060	255	2	is	be	AUX
fsr-4060	255	3	likely	likely	ADJ
fsr-4060	255	4	due	due	ADP
fsr-4060	255	5	to	to	ADP
fsr-4060	255	6	the	the	DET
fsr-4060	255	7	costs	cost	NOUN
fsr-4060	255	8	associated	associate	VERB
fsr-4060	255	9	with	with	ADP
fsr-4060	255	10	many	many	ADJ
fsr-4060	255	11	advanced	advanced	ADJ
fsr-4060	255	12	degrees	degree	NOUN
fsr-4060	255	13	.	.	PUNCT
fsr-4060	256	1	students	student	NOUN
fsr-4060	256	2	who	who	PRON
fsr-4060	256	3	planned	plan	VERB
fsr-4060	256	4	to	to	PART
fsr-4060	256	5	attend	attend	VERB
fsr-4060	256	6	graduate	graduate	NOUN
fsr-4060	256	7	school	school	NOUN
fsr-4060	256	8	were	be	AUX
fsr-4060	256	9	willing	willing	ADJ
fsr-4060	256	10	to	to	PART
fsr-4060	256	11	borrow	borrow	VERB
fsr-4060	256	12	more	more	ADJ
fsr-4060	256	13	(	(	PUNCT
fsr-4060	256	14	me	i	PRON
fsr-4060	256	15	=	=	PUNCT
fsr-4060	256	16	2.821	2.821	NUM
fsr-4060	256	17	,	,	PUNCT
fsr-4060	256	18	p	p	X
fsr-4060	256	19	<	<	X
fsr-4060	256	20	.001	.001	NUM
fsr-4060	256	21	)	)	PUNCT
fsr-4060	256	22	.	.	PUNCT
fsr-4060	257	1	student	student	NOUN
fsr-4060	257	2	choice	choice	NOUN
fsr-4060	257	3	of	of	ADP
fsr-4060	257	4	major	major	ADJ
fsr-4060	257	5	and	and	CCONJ
fsr-4060	257	6	type	type	NOUN
fsr-4060	257	7	of	of	ADP
fsr-4060	257	8	institution	institution	NOUN
fsr-4060	257	9	also	also	ADV
fsr-4060	257	10	show	show	VERB
fsr-4060	257	11	rational	rational	ADJ
fsr-4060	257	12	decision	decision	NOUN
fsr-4060	257	13	making	making	NOUN
fsr-4060	257	14	by	by	ADP
fsr-4060	257	15	students	student	NOUN
fsr-4060	257	16	.	.	PUNCT
fsr-4060	258	1	students	student	NOUN
fsr-4060	258	2	in	in	ADP
fsr-4060	258	3	more	more	ADV
fsr-4060	258	4	traditionally	traditionally	ADV
fsr-4060	258	5	low	low	ADV
fsr-4060	258	6	-	-	PUNCT
fsr-4060	258	7	paying	pay	VERB
fsr-4060	258	8	majors	major	NOUN
fsr-4060	258	9	such	such	ADJ
fsr-4060	258	10	as	as	ADP
fsr-4060	258	11	arts	art	NOUN
fsr-4060	258	12	and	and	CCONJ
fsr-4060	258	13	humanities	humanity	NOUN
fsr-4060	258	14	are	be	AUX
fsr-4060	258	15	less	less	ADV
fsr-4060	258	16	likely	likely	ADJ
fsr-4060	258	17	to	to	PART
fsr-4060	258	18	be	be	AUX
fsr-4060	258	19	willing	willing	ADJ
fsr-4060	258	20	to	to	PART
fsr-4060	258	21	borrow	borrow	VERB
fsr-4060	258	22	and	and	CCONJ
fsr-4060	258	23	are	be	AUX
fsr-4060	258	24	willing	willing	ADJ
fsr-4060	258	25	to	to	PART
fsr-4060	258	26	borrow	borrow	VERB
fsr-4060	258	27	less	less	ADJ
fsr-4060	258	28	(	(	PUNCT
fsr-4060	258	29	me	i	PRON
fsr-4060	258	30	=	=	SYM
fsr-4060	258	31	-1.755	-1.755	PROPN
fsr-4060	258	32	,	,	PUNCT
fsr-4060	258	33	p	p	X
fsr-4060	258	34	<	<	X
fsr-4060	258	35	.001	.001	NUM
fsr-4060	258	36	)	)	PUNCT
fsr-4060	258	37	.	.	PUNCT
fsr-4060	259	1	student	student	NOUN
fsr-4060	259	2	majoring	major	VERB
fsr-4060	259	3	in	in	ADP
fsr-4060	259	4	business	business	NOUN
fsr-4060	259	5	,	,	PUNCT
fsr-4060	259	6	health	health	NOUN
fsr-4060	259	7	or	or	CCONJ
fsr-4060	259	8	medicine	medicine	NOUN
fsr-4060	259	9	,	,	PUNCT
fsr-4060	259	10	and	and	CCONJ
fsr-4060	259	11	stem	stem	NOUN
fsr-4060	259	12	fields	field	NOUN
fsr-4060	259	13	are	be	AUX
fsr-4060	259	14	more	more	ADV
fsr-4060	259	15	willing	willing	ADJ
fsr-4060	259	16	to	to	PART
fsr-4060	259	17	borrow	borrow	VERB
fsr-4060	259	18	for	for	ADP
fsr-4060	259	19	their	their	PRON
fsr-4060	259	20	education	education	NOUN
fsr-4060	259	21	.	.	PUNCT
fsr-4060	260	1	there	there	PRON
fsr-4060	260	2	is	be	VERB
fsr-4060	260	3	some	some	DET
fsr-4060	260	4	deviation	deviation	NOUN
fsr-4060	260	5	,	,	PUNCT
fsr-4060	260	6	however	however	ADV
fsr-4060	260	7	,	,	PUNCT
fsr-4060	260	8	in	in	ADP
fsr-4060	260	9	how	how	SCONJ
fsr-4060	260	10	much	much	ADJ
fsr-4060	260	11	they	they	PRON
fsr-4060	260	12	are	be	AUX
fsr-4060	260	13	willing	willing	ADJ
fsr-4060	260	14	to	to	PART
fsr-4060	260	15	borrow	borrow	VERB
fsr-4060	260	16	with	with	ADP
fsr-4060	260	17	only	only	ADJ
fsr-4060	260	18	students	student	NOUN
fsr-4060	260	19	in	in	ADP
fsr-4060	260	20	health	health	NOUN
fsr-4060	260	21	or	or	CCONJ
fsr-4060	260	22	medicine	medicine	NOUN
fsr-4060	260	23	majors	major	NOUN
fsr-4060	260	24	willing	willing	ADJ
fsr-4060	260	25	to	to	PART
fsr-4060	260	26	borrow	borrow	VERB
fsr-4060	260	27	more	more	ADJ
fsr-4060	260	28	(	(	PUNCT
fsr-4060	260	29	me	i	PRON
fsr-4060	260	30	=	=	SYM
fsr-4060	260	31	3.086	3.086	NUM
fsr-4060	260	32	,	,	PUNCT
fsr-4060	260	33	p	p	X
fsr-4060	260	34	<	<	X
fsr-4060	260	35	.001	.001	NUM
fsr-4060	260	36	)	)	PUNCT
fsr-4060	260	37	.	.	PUNCT
fsr-4060	261	1	students	student	NOUN
fsr-4060	261	2	pursuing	pursue	VERB
fsr-4060	261	3	a	a	DET
fsr-4060	261	4	4year	4year	NUM
fsr-4060	261	5	degree	degree	NOUN
fsr-4060	261	6	were	be	AUX
fsr-4060	261	7	willing	willing	ADJ
fsr-4060	261	8	to	to	PART
fsr-4060	261	9	borrow	borrow	VERB
fsr-4060	261	10	far	far	ADV
fsr-4060	261	11	more	more	ADJ
fsr-4060	261	12	than	than	ADP
fsr-4060	261	13	students	student	NOUN
fsr-4060	261	14	pursuing	pursue	VERB
fsr-4060	261	15	a	a	DET
fsr-4060	261	16	2	2	NUM
fsr-4060	261	17	-	-	PUNCT
fsr-4060	261	18	year	year	NOUN
fsr-4060	261	19	degree	degree	NOUN
fsr-4060	261	20	(	(	PUNCT
fsr-4060	261	21	me	i	PRON
fsr-4060	261	22	=	=	PUNCT
fsr-4060	261	23	2.006	2.006	NUM
fsr-4060	261	24	,	,	PUNCT
fsr-4060	261	25	p	p	X
fsr-4060	261	26	<	<	X
fsr-4060	261	27	.019	.019	NUM
fsr-4060	261	28	)	)	PUNCT
fsr-4060	261	29	.	.	PUNCT
fsr-4060	262	1	current	current	ADJ
fsr-4060	262	2	income	income	NOUN
fsr-4060	262	3	.	.	PUNCT
fsr-4060	263	1	results	result	NOUN
fsr-4060	263	2	from	from	ADP
fsr-4060	263	3	the	the	DET
fsr-4060	263	4	study	study	NOUN
fsr-4060	263	5	provide	provide	VERB
fsr-4060	263	6	mixed	mixed	ADJ
fsr-4060	263	7	support	support	NOUN
fsr-4060	263	8	for	for	ADP
fsr-4060	263	9	h3	h3	NOUN
fsr-4060	263	10	(	(	PUNCT
fsr-4060	263	11	current	current	ADJ
fsr-4060	263	12	income	income	NOUN
fsr-4060	263	13	will	will	AUX
fsr-4060	263	14	be	be	AUX
fsr-4060	263	15	negatively	negatively	ADV
fsr-4060	263	16	associated	associate	VERB
fsr-4060	263	17	with	with	ADP
fsr-4060	263	18	willingness	willingness	NOUN
fsr-4060	263	19	to	to	PART
fsr-4060	263	20	borrow	borrow	VERB
fsr-4060	263	21	)	)	PUNCT
fsr-4060	263	22	.	.	PUNCT
fsr-4060	264	1	the	the	DET
fsr-4060	264	2	results	result	NOUN
fsr-4060	264	3	indicate	indicate	VERB
fsr-4060	264	4	that	that	DET
fsr-4060	264	5	employment	employment	NOUN
fsr-4060	264	6	is	be	AUX
fsr-4060	264	7	positively	positively	ADV
fsr-4060	264	8	correlated	correlate	VERB
fsr-4060	264	9	with	with	ADP
fsr-4060	264	10	willingness	willingness	NOUN
fsr-4060	264	11	to	to	PART
fsr-4060	264	12	borrow	borrow	VERB
fsr-4060	264	13	and	and	CCONJ
fsr-4060	264	14	negatively	negatively	ADV
fsr-4060	264	15	correlated	correlate	VERB
fsr-4060	264	16	with	with	ADP
fsr-4060	264	17	an	an	DET
fsr-4060	264	18	unwillingness	unwillingness	NOUN
fsr-4060	264	19	to	to	PART
fsr-4060	264	20	borrow	borrow	VERB
fsr-4060	264	21	,	,	PUNCT
fsr-4060	264	22	and	and	CCONJ
fsr-4060	264	23	students	student	NOUN
fsr-4060	264	24	who	who	PRON
fsr-4060	264	25	are	be	AUX
fsr-4060	264	26	employed	employ	VERB
fsr-4060	264	27	are	be	AUX
fsr-4060	264	28	willing	willing	ADJ
fsr-4060	264	29	to	to	PART
fsr-4060	264	30	borrow	borrow	VERB
fsr-4060	264	31	more	more	ADJ
fsr-4060	264	32	(	(	PUNCT
fsr-4060	264	33	me	i	PRON
fsr-4060	264	34	=	=	PUNCT
fsr-4060	264	35	1.430	1.430	NUM
fsr-4060	264	36	,	,	PUNCT
fsr-4060	264	37	p	p	X
fsr-4060	264	38	=	=	X
fsr-4060	264	39	<	<	X
fsr-4060	264	40	.001	.001	NUM
fsr-4060	264	41	)	)	PUNCT
fsr-4060	264	42	.	.	PUNCT
fsr-4060	265	1	however	however	ADV
fsr-4060	265	2	,	,	PUNCT
fsr-4060	265	3	student	student	NOUN
fsr-4060	265	4	income	income	NOUN
fsr-4060	265	5	is	be	AUX
fsr-4060	265	6	positively	positively	ADV
fsr-4060	265	7	associated	associate	VERB
fsr-4060	265	8	with	with	ADP
fsr-4060	265	9	an	an	DET
fsr-4060	265	10	unwillingness	unwillingness	NOUN
fsr-4060	265	11	to	to	PART
fsr-4060	265	12	borrow	borrow	VERB
fsr-4060	265	13	and	and	CCONJ
fsr-4060	265	14	students	student	NOUN
fsr-4060	265	15	with	with	ADP
fsr-4060	265	16	more	more	ADJ
fsr-4060	265	17	income	income	NOUN
fsr-4060	265	18	are	be	AUX
fsr-4060	265	19	willing	willing	ADJ
fsr-4060	265	20	to	to	PART
fsr-4060	265	21	borrow	borrow	VERB
fsr-4060	265	22	less	less	ADJ
fsr-4060	265	23	(	(	PUNCT
fsr-4060	265	24	me	i	PRON
fsr-4060	265	25	=	=	PUNCT
fsr-4060	266	1	-0.136	-0.136	PROPN
fsr-4060	266	2	,	,	PUNCT
fsr-4060	266	3	p	p	X
fsr-4060	266	4	<	<	X
fsr-4060	266	5	.001	.001	NUM
fsr-4060	266	6	)	)	PUNCT
fsr-4060	266	7	.	.	PUNCT
fsr-4060	267	1	these	these	PRON
fsr-4060	267	2	are	be	AUX
fsr-4060	267	3	somewhat	somewhat	ADV
fsr-4060	267	4	contradictory	contradictory	ADJ
fsr-4060	267	5	findings	finding	NOUN
fsr-4060	267	6	–	–	PUNCT
fsr-4060	267	7	on	on	ADP
fsr-4060	267	8	the	the	DET
fsr-4060	267	9	one	one	NUM
fsr-4060	267	10	hand	hand	NOUN
fsr-4060	267	11	,	,	PUNCT
fsr-4060	267	12	students	student	NOUN
fsr-4060	267	13	who	who	PRON
fsr-4060	267	14	are	be	AUX
fsr-4060	267	15	employed	employ	VERB
fsr-4060	267	16	are	be	AUX
fsr-4060	267	17	more	more	ADV
fsr-4060	267	18	willing	willing	ADJ
fsr-4060	267	19	to	to	PART
fsr-4060	267	20	borrow	borrow	VERB
fsr-4060	267	21	and	and	CCONJ
fsr-4060	267	22	on	on	ADP
fsr-4060	267	23	the	the	DET
fsr-4060	267	24	other	other	ADJ
fsr-4060	267	25	hand	hand	NOUN
fsr-4060	267	26	,	,	PUNCT
fsr-4060	267	27	student	student	NOUN
fsr-4060	267	28	income	income	NOUN
fsr-4060	267	29	is	be	AUX
fsr-4060	267	30	negatively	negatively	ADV
fsr-4060	267	31	correlated	correlate	VERB
fsr-4060	267	32	with	with	ADP
fsr-4060	267	33	how	how	SCONJ
fsr-4060	267	34	much	much	ADJ
fsr-4060	267	35	someone	someone	PRON
fsr-4060	267	36	is	be	AUX
fsr-4060	267	37	willing	willing	ADJ
fsr-4060	267	38	to	to	PART
fsr-4060	267	39	borrow	borrow	VERB
fsr-4060	267	40	.	.	PUNCT
fsr-4060	268	1	what	what	PRON
fsr-4060	268	2	we	we	PRON
fsr-4060	268	3	might	might	AUX
fsr-4060	268	4	be	be	AUX
fsr-4060	268	5	picking	pick	VERB
fsr-4060	268	6	up	up	ADP
fsr-4060	268	7	on	on	ADP
fsr-4060	268	8	here	here	ADV
fsr-4060	268	9	is	be	AUX
fsr-4060	268	10	that	that	SCONJ
fsr-4060	268	11	students	student	NOUN
fsr-4060	268	12	who	who	PRON
fsr-4060	268	13	are	be	AUX
fsr-4060	268	14	working	work	VERB
fsr-4060	268	15	may	may	AUX
fsr-4060	268	16	be	be	AUX
fsr-4060	268	17	doing	do	VERB
fsr-4060	268	18	so	so	ADV
fsr-4060	268	19	to	to	PART
fsr-4060	268	20	pay	pay	VERB
fsr-4060	268	21	some	some	PRON
fsr-4060	268	22	of	of	ADP
fsr-4060	268	23	their	their	PRON
fsr-4060	268	24	living	living	NOUN
fsr-4060	268	25	expenses	expense	NOUN
fsr-4060	268	26	rather	rather	ADV
fsr-4060	268	27	than	than	ADP
fsr-4060	268	28	to	to	PART
fsr-4060	268	29	pay	pay	VERB
fsr-4060	268	30	for	for	ADP
fsr-4060	268	31	their	their	PRON
fsr-4060	268	32	education	education	NOUN
fsr-4060	268	33	,	,	PUNCT
fsr-4060	268	34	a	a	DET
fsr-4060	268	35	reflection	reflection	NOUN
fsr-4060	268	36	of	of	ADP
fsr-4060	268	37	the	the	DET
fsr-4060	268	38	high	high	ADJ
fsr-4060	268	39	cost	cost	NOUN
fsr-4060	268	40	of	of	ADP
fsr-4060	268	41	room	room	NOUN
fsr-4060	268	42	,	,	PUNCT
fsr-4060	268	43	board	board	NOUN
fsr-4060	268	44	,	,	PUNCT
fsr-4060	268	45	and	and	CCONJ
fsr-4060	268	46	tuition	tuition	NOUN
fsr-4060	268	47	and	and	CCONJ
fsr-4060	268	48	the	the	DET
fsr-4060	268	49	financial	financial	ADJ
fsr-4060	268	50	squeeze	squeeze	NOUN
fsr-4060	268	51	on	on	ADP
fsr-4060	268	52	families	family	NOUN
fsr-4060	268	53	.	.	PUNCT
fsr-4060	269	1	students	student	NOUN
fsr-4060	269	2	with	with	ADP
fsr-4060	269	3	higher	high	ADJ
fsr-4060	269	4	incomes	income	NOUN
fsr-4060	269	5	may	may	AUX
fsr-4060	269	6	be	be	AUX
fsr-4060	269	7	working	work	VERB
fsr-4060	269	8	full	full	ADJ
fsr-4060	269	9	time	time	NOUN
fsr-4060	269	10	and	and	CCONJ
fsr-4060	269	11	able	able	ADJ
fsr-4060	269	12	to	to	PART
fsr-4060	269	13	pay	pay	VERB
fsr-4060	269	14	for	for	ADP
fsr-4060	269	15	their	their	PRON
fsr-4060	269	16	tuition	tuition	NOUN
fsr-4060	269	17	and/or	and/or	CCONJ
fsr-4060	269	18	be	be	AUX
fsr-4060	269	19	debt	debt	NOUN
fsr-4060	269	20	averse	averse	ADJ
fsr-4060	269	21	,	,	PUNCT
fsr-4060	269	22	so	so	ADV
fsr-4060	269	23	are	be	AUX
fsr-4060	269	24	working	work	VERB
fsr-4060	269	25	more	more	ADJ
fsr-4060	269	26	to	to	PART
fsr-4060	269	27	pay	pay	VERB
fsr-4060	269	28	for	for	ADP
fsr-4060	269	29	their	their	PRON
fsr-4060	269	30	education	education	NOUN
fsr-4060	269	31	.	.	PUNCT
fsr-4060	270	1	alternative	alternative	ADJ
fsr-4060	270	2	financial	financial	ADJ
fsr-4060	270	3	resources	resource	NOUN
fsr-4060	270	4	.	.	PUNCT
fsr-4060	271	1	the	the	DET
fsr-4060	271	2	findings	finding	NOUN
fsr-4060	271	3	on	on	ADP
fsr-4060	271	4	access	access	NOUN
fsr-4060	271	5	to	to	ADP
fsr-4060	271	6	alternative	alternative	ADJ
fsr-4060	271	7	financial	financial	ADJ
fsr-4060	271	8	resources	resource	NOUN
fsr-4060	271	9	provide	provide	VERB
fsr-4060	271	10	support	support	NOUN
fsr-4060	271	11	for	for	ADP
fsr-4060	271	12	h4	h4	PROPN
fsr-4060	271	13	(	(	PUNCT
fsr-4060	271	14	alternative	alternative	ADJ
fsr-4060	271	15	financial	financial	PROPN
fsr-4060	271	16	heckman	heckman	PROPN
fsr-4060	271	17	et	et	PROPN
fsr-4060	271	18	al	al	PROPN
fsr-4060	271	19	.	.	PROPN
fsr-4060	271	20	85	85	NUM
fsr-4060	271	21	support	support	NOUN
fsr-4060	271	22	will	will	AUX
fsr-4060	271	23	be	be	AUX
fsr-4060	271	24	negatively	negatively	ADV
fsr-4060	271	25	associated	associate	VERB
fsr-4060	271	26	with	with	ADP
fsr-4060	271	27	willingness	willingness	NOUN
fsr-4060	271	28	to	to	PART
fsr-4060	271	29	borrow	borrow	VERB
fsr-4060	271	30	)	)	PUNCT
fsr-4060	271	31	.	.	PUNCT
fsr-4060	272	1	those	those	PRON
fsr-4060	272	2	receiving	receive	VERB
fsr-4060	272	3	more	more	ADJ
fsr-4060	272	4	financial	financial	ADJ
fsr-4060	272	5	support	support	NOUN
fsr-4060	272	6	from	from	ADP
fsr-4060	272	7	either	either	DET
fsr-4060	272	8	scholarship	scholarship	NOUN
fsr-4060	272	9	/	/	SYM
fsr-4060	272	10	grant	grant	NOUN
fsr-4060	272	11	were	be	AUX
fsr-4060	272	12	more	more	ADV
fsr-4060	272	13	likely	likely	ADJ
fsr-4060	272	14	to	to	PART
fsr-4060	272	15	say	say	VERB
fsr-4060	272	16	they	they	PRON
fsr-4060	272	17	were	be	AUX
fsr-4060	272	18	unwilling	unwilling	ADJ
fsr-4060	272	19	to	to	PART
fsr-4060	272	20	borrow	borrow	VERB
fsr-4060	272	21	and	and	CCONJ
fsr-4060	272	22	were	be	AUX
fsr-4060	272	23	willing	willing	ADJ
fsr-4060	272	24	to	to	PART
fsr-4060	272	25	borrow	borrow	VERB
fsr-4060	272	26	less	less	ADJ
fsr-4060	272	27	(	(	PUNCT
fsr-4060	272	28	me	i	PRON
fsr-4060	272	29	=	=	SYM
fsr-4060	272	30	3.041	3.041	NUM
fsr-4060	272	31	,	,	PUNCT
fsr-4060	272	32	p	p	X
fsr-4060	272	33	<	<	X
fsr-4060	272	34	.001	.001	NUM
fsr-4060	272	35	)	)	PUNCT
fsr-4060	272	36	.	.	PUNCT
fsr-4060	273	1	likewise	likewise	ADV
fsr-4060	273	2	,	,	PUNCT
fsr-4060	273	3	students	student	NOUN
fsr-4060	273	4	receiving	receive	VERB
fsr-4060	273	5	more	more	ADJ
fsr-4060	273	6	financial	financial	ADJ
fsr-4060	273	7	support	support	NOUN
fsr-4060	273	8	from	from	ADP
fsr-4060	273	9	their	their	PRON
fsr-4060	273	10	parents	parent	NOUN
fsr-4060	273	11	are	be	AUX
fsr-4060	273	12	more	more	ADV
fsr-4060	273	13	likely	likely	ADJ
fsr-4060	273	14	to	to	PART
fsr-4060	273	15	say	say	VERB
fsr-4060	273	16	they	they	PRON
fsr-4060	273	17	are	be	AUX
fsr-4060	273	18	unwilling	unwilling	ADJ
fsr-4060	273	19	to	to	PART
fsr-4060	273	20	borrow	borrow	VERB
fsr-4060	273	21	and	and	CCONJ
fsr-4060	273	22	are	be	AUX
fsr-4060	273	23	willing	willing	ADJ
fsr-4060	273	24	to	to	PART
fsr-4060	273	25	borrow	borrow	VERB
fsr-4060	273	26	less	less	ADJ
fsr-4060	273	27	(	(	PUNCT
fsr-4060	273	28	me	i	PRON
fsr-4060	273	29	=	=	PUNCT
fsr-4060	273	30	-2.192	-2.192	PROPN
fsr-4060	273	31	,	,	PUNCT
fsr-4060	273	32	p	p	X
fsr-4060	273	33	<	<	X
fsr-4060	273	34	.001	.001	NUM
fsr-4060	273	35	)	)	PUNCT
fsr-4060	273	36	.	.	PUNCT
fsr-4060	274	1	this	this	PRON
fsr-4060	274	2	runs	run	VERB
fsr-4060	274	3	counter	counter	ADV
fsr-4060	274	4	to	to	ADP
fsr-4060	274	5	the	the	DET
fsr-4060	274	6	findings	finding	NOUN
fsr-4060	274	7	by	by	ADP
fsr-4060	274	8	cha	cha	PROPN
fsr-4060	274	9	and	and	CCONJ
fsr-4060	274	10	weagley	weagley	ADV
fsr-4060	274	11	(	(	PUNCT
fsr-4060	274	12	2002	2002	NUM
fsr-4060	274	13	)	)	PUNCT
fsr-4060	274	14	who	who	PRON
fsr-4060	274	15	found	find	VERB
fsr-4060	274	16	that	that	SCONJ
fsr-4060	274	17	while	while	SCONJ
fsr-4060	274	18	students	student	NOUN
fsr-4060	274	19	with	with	ADP
fsr-4060	274	20	more	more	ADJ
fsr-4060	274	21	wealth	wealth	NOUN
fsr-4060	274	22	were	be	AUX
fsr-4060	274	23	less	less	ADV
fsr-4060	274	24	likely	likely	ADJ
fsr-4060	274	25	to	to	PART
fsr-4060	274	26	borrow	borrow	VERB
fsr-4060	274	27	,	,	PUNCT
fsr-4060	274	28	they	they	PRON
fsr-4060	274	29	tended	tend	VERB
fsr-4060	274	30	to	to	PART
fsr-4060	274	31	borrow	borrow	VERB
fsr-4060	274	32	more	more	ADJ
fsr-4060	274	33	when	when	SCONJ
fsr-4060	274	34	they	they	PRON
fsr-4060	274	35	did	do	AUX
fsr-4060	274	36	borrow	borrow	VERB
fsr-4060	274	37	.	.	PUNCT
fsr-4060	275	1	interestingly	interestingly	ADV
fsr-4060	275	2	,	,	PUNCT
fsr-4060	275	3	those	those	PRON
fsr-4060	275	4	with	with	ADP
fsr-4060	275	5	parental	parental	ADJ
fsr-4060	275	6	support	support	NOUN
fsr-4060	275	7	were	be	AUX
fsr-4060	275	8	also	also	ADV
fsr-4060	275	9	more	more	ADV
fsr-4060	275	10	likely	likely	ADJ
fsr-4060	275	11	to	to	PART
fsr-4060	275	12	say	say	VERB
fsr-4060	275	13	they	they	PRON
fsr-4060	275	14	did	do	AUX
fsr-4060	275	15	not	not	PART
fsr-4060	275	16	know	know	VERB
fsr-4060	275	17	how	how	SCONJ
fsr-4060	275	18	much	much	ADJ
fsr-4060	275	19	they	they	PRON
fsr-4060	275	20	were	be	AUX
fsr-4060	275	21	willing	willing	ADJ
fsr-4060	275	22	to	to	PART
fsr-4060	275	23	borrow	borrow	VERB
fsr-4060	275	24	,	,	PUNCT
fsr-4060	275	25	perhaps	perhaps	ADV
fsr-4060	275	26	showing	show	VERB
fsr-4060	275	27	some	some	DET
fsr-4060	275	28	uncertainty	uncertainty	NOUN
fsr-4060	275	29	around	around	ADP
fsr-4060	275	30	continued	continued	ADJ
fsr-4060	275	31	support	support	NOUN
fsr-4060	275	32	,	,	PUNCT
fsr-4060	275	33	higher	high	ADJ
fsr-4060	275	34	educational	educational	ADJ
fsr-4060	275	35	aspirations	aspiration	NOUN
fsr-4060	275	36	,	,	PUNCT
fsr-4060	275	37	or	or	CCONJ
fsr-4060	275	38	ignorance	ignorance	NOUN
fsr-4060	275	39	of	of	ADP
fsr-4060	275	40	their	their	PRON
fsr-4060	275	41	financial	financial	ADJ
fsr-4060	275	42	obligations	obligation	NOUN
fsr-4060	275	43	.	.	PUNCT
fsr-4060	276	1	similarly	similarly	ADV
fsr-4060	276	2	,	,	PUNCT
fsr-4060	276	3	previous	previous	ADJ
fsr-4060	276	4	study	study	NOUN
fsr-4060	276	5	found	find	VERB
fsr-4060	276	6	that	that	SCONJ
fsr-4060	276	7	college	college	NOUN
fsr-4060	276	8	students	student	NOUN
fsr-4060	276	9	whose	whose	DET
fsr-4060	276	10	family	family	NOUN
fsr-4060	276	11	was	be	AUX
fsr-4060	276	12	the	the	DET
fsr-4060	276	13	primary	primary	ADJ
fsr-4060	276	14	source	source	NOUN
fsr-4060	276	15	of	of	ADP
fsr-4060	276	16	funding	funding	NOUN
fsr-4060	276	17	for	for	ADP
fsr-4060	276	18	their	their	PRON
fsr-4060	276	19	expenses	expense	NOUN
fsr-4060	276	20	were	be	AUX
fsr-4060	276	21	more	more	ADV
fsr-4060	276	22	likely	likely	ADJ
fsr-4060	276	23	to	to	PART
fsr-4060	276	24	be	be	AUX
fsr-4060	276	25	unaware	unaware	ADJ
fsr-4060	276	26	about	about	ADP
fsr-4060	276	27	how	how	SCONJ
fsr-4060	276	28	much	much	ADJ
fsr-4060	276	29	student	student	NOUN
fsr-4060	276	30	debt	debt	NOUN
fsr-4060	276	31	they	they	PRON
fsr-4060	276	32	have	have	VERB
fsr-4060	276	33	(	(	PUNCT
fsr-4060	276	34	letkiewicz	letkiewicz	VERB
fsr-4060	276	35	et	et	PROPN
fsr-4060	276	36	al	al	PROPN
fsr-4060	276	37	.	.	PROPN
fsr-4060	276	38	,	,	PUNCT
fsr-4060	276	39	2019	2019	NUM
fsr-4060	276	40	)	)	PUNCT
fsr-4060	276	41	.	.	PUNCT
fsr-4060	277	1	table	table	NOUN
fsr-4060	277	2	2	2	NUM
fsr-4060	277	3	.	.	SYM
fsr-4060	277	4	2020	2020	NUM
fsr-4060	277	5	multinomial	multinomial	ADJ
fsr-4060	277	6	results	result	NOUN
fsr-4060	277	7	on	on	ADP
fsr-4060	277	8	willingness	willingness	NOUN
fsr-4060	277	9	to	to	PART
fsr-4060	277	10	borrow	borrow	VERB
fsr-4060	277	11	:	:	PUNCT
fsr-4060	277	12	average	average	ADJ
fsr-4060	277	13	marginal	marginal	ADJ
fsr-4060	277	14	effects	effect	NOUN
fsr-4060	277	15	not	not	PART
fsr-4060	277	16	willing	willing	ADJ
fsr-4060	277	17	willing	willing	ADJ
fsr-4060	277	18	do	do	AUX
fsr-4060	277	19	n't	not	PART
fsr-4060	277	20	know	know	VERB
fsr-4060	277	21	variable	variable	ADJ
fsr-4060	277	22	dy	dy	NOUN
fsr-4060	277	23	/	/	SYM
fsr-4060	277	24	dx	dx	PROPN
fsr-4060	277	25	s.e	s.e	PROPN
fsr-4060	277	26	.	.	PROPN
fsr-4060	277	27	pvalue	pvalue	NOUN
fsr-4060	277	28	dy	dy	PROPN
fsr-4060	277	29	/	/	SYM
fsr-4060	277	30	dx	dx	PROPN
fsr-4060	277	31	s.e	s.e	PROPN
fsr-4060	277	32	.	.	PROPN
fsr-4060	277	33	pvalue	pvalue	NOUN
fsr-4060	277	34	dy	dy	PROPN
fsr-4060	277	35	/	/	SYM
fsr-4060	277	36	dx	dx	PROPN
fsr-4060	277	37	s.e	s.e	PROPN
fsr-4060	277	38	.	.	PROPN
fsr-4060	277	39	pvalue	pvalue	PROPN
fsr-4060	277	40	control	control	PROPN
fsr-4060	277	41	rank	rank	NOUN
fsr-4060	277	42	(	(	PUNCT
fsr-4060	277	43	ref	ref	NOUN
fsr-4060	277	44	:	:	PUNCT
fsr-4060	277	45	year	year	NOUN
fsr-4060	277	46	1	1	NUM
fsr-4060	277	47	)	)	PUNCT
fsr-4060	277	48	year	year	NOUN
fsr-4060	277	49	2	2	NUM
fsr-4060	277	50	.006	.006	NUM
fsr-4060	277	51	.006	.006	NUM
fsr-4060	277	52	.338	.338	NUM
fsr-4060	277	53	.006	.006	NUM
fsr-4060	277	54	.009	.009	NUM
fsr-4060	277	55	.463	.463	NUM
fsr-4060	277	56	-.012	-.012	PROPN
fsr-4060	277	57	.007	.007	NUM
fsr-4060	277	58	.080	.080	NUM
fsr-4060	277	59	year	year	NOUN
fsr-4060	277	60	3	3	NUM
fsr-4060	277	61	.001	.001	NUM
fsr-4060	277	62	.006	.006	NUM
fsr-4060	277	63	.848	.848	NUM
fsr-4060	277	64	.034	.034	NUM
fsr-4060	277	65	.008	.008	NUM
fsr-4060	277	66	<	<	X
fsr-4060	277	67	.001	.001	NUM
fsr-4060	277	68	-.035	-.035	PROPN
fsr-4060	277	69	.007	.007	NUM
fsr-4060	277	70	<	<	NOUN
fsr-4060	277	71	.001	.001	NUM
fsr-4060	277	72	year	year	NOUN
fsr-4060	277	73	4	4	NUM
fsr-4060	277	74	-.007	-.007	PROPN
fsr-4060	277	75	.007	.007	NUM
fsr-4060	277	76	.287	.287	NUM
fsr-4060	277	77	.045	.045	NUM
fsr-4060	277	78	.009	.009	NUM
fsr-4060	277	79	<	<	X
fsr-4060	277	80	.001	.001	NUM
fsr-4060	277	81	-.038	-.038	PROPN
fsr-4060	277	82	.007	.007	NUM
fsr-4060	277	83	<	<	NOUN
fsr-4060	277	84	.001	.001	NUM
fsr-4060	277	85	more	more	ADJ
fsr-4060	277	86	than	than	ADP
fsr-4060	277	87	4	4	NUM
fsr-4060	277	88	-.011	-.011	NOUN
fsr-4060	277	89	.010	.010	NUM
fsr-4060	277	90	.239	.239	NUM
fsr-4060	277	91	.054	.054	NUM
fsr-4060	277	92	.013	.013	NUM
fsr-4060	277	93	<	<	X
fsr-4060	277	94	.001	.001	NUM
fsr-4060	277	95	-.043	-.043	PROPN
fsr-4060	277	96	.011	.011	NUM
fsr-4060	277	97	<	<	X
fsr-4060	277	98	.001	.001	NUM
fsr-4060	277	99	first	first	ADJ
fsr-4060	277	100	generation	generation	NOUN
fsr-4060	277	101	.008	.008	NUM
fsr-4060	277	102	.005	.005	NUM
fsr-4060	277	103	.101	.101	NUM
fsr-4060	277	104	.005	.005	NUM
fsr-4060	277	105	.007	.007	NUM
fsr-4060	277	106	.475	.475	NUM
fsr-4060	277	107	-.012	-.012	PROPN
fsr-4060	277	108	.005	.005	NUM
fsr-4060	277	109	.020	.020	NUM
fsr-4060	277	110	non	non	ADJ
fsr-4060	277	111	-	-	ADJ
fsr-4060	277	112	traditional	traditional	ADJ
fsr-4060	277	113	.044	.044	NUM
fsr-4060	277	114	.006	.006	NUM
fsr-4060	277	115	<	<	X
fsr-4060	277	116	.001	.001	NUM
fsr-4060	277	117	-.031	-.031	PROPN
fsr-4060	277	118	.009	.009	NUM
fsr-4060	277	119	.001	.001	NUM
fsr-4060	277	120	-.013	-.013	NOUN
fsr-4060	277	121	.008	.008	NUM
fsr-4060	277	122	.115	.115	NUM
fsr-4060	277	123	gender	gender	NOUN
fsr-4060	277	124	(	(	PUNCT
fsr-4060	277	125	ref	ref	NOUN
fsr-4060	277	126	:	:	PUNCT
fsr-4060	277	127	male	male	ADJ
fsr-4060	277	128	)	)	PUNCT
fsr-4060	277	129	female	female	ADJ
fsr-4060	277	130	-.020	-.020	NOUN
fsr-4060	277	131	.005	.005	NUM
fsr-4060	277	132	<	<	NOUN
fsr-4060	277	133	.001	.001	NUM
fsr-4060	277	134	-.036	-.036	NOUN
fsr-4060	277	135	.007	.007	NUM
fsr-4060	277	136	<	<	X
fsr-4060	277	137	.001	.001	NUM
fsr-4060	277	138	.056	.056	NUM
fsr-4060	277	139	.005	.005	NUM
fsr-4060	277	140	<	<	X
fsr-4060	277	141	.001	.001	NUM
fsr-4060	277	142	prefer	prefer	VERB
fsr-4060	277	143	not	not	PART
fsr-4060	277	144	to	to	PART
fsr-4060	277	145	say	say	VERB
fsr-4060	277	146	021	021	NUM
fsr-4060	277	147	.015	.015	NUM
fsr-4060	277	148	.155	.155	NUM
fsr-4060	278	1	-.100	-.100	PROPN
fsr-4060	278	2	.020	.020	NUM
fsr-4060	278	3	<	<	X
fsr-4060	278	4	.001	.001	NUM
fsr-4060	278	5	.079	.079	NUM
fsr-4060	278	6	.017	.017	NUM
fsr-4060	278	7	<	<	X
fsr-4060	278	8	.001	.001	NUM
fsr-4060	278	9	race	race	NOUN
fsr-4060	278	10	/	/	SYM
fsr-4060	278	11	ethnicity	ethnicity	NOUN
fsr-4060	278	12	(	(	PUNCT
fsr-4060	278	13	ref	ref	NOUN
fsr-4060	278	14	:	:	PUNCT
fsr-4060	278	15	white	white	ADJ
fsr-4060	278	16	)	)	PUNCT
fsr-4060	278	17	black	black	ADJ
fsr-4060	278	18	.038	.038	NUM
fsr-4060	278	19	.010	.010	NUM
fsr-4060	279	1	<	<	X
fsr-4060	279	2	.001	.001	NUM
fsr-4060	279	3	-.067	-.067	PROPN
fsr-4060	279	4	.013	.013	NUM
fsr-4060	279	5	<	<	X
fsr-4060	279	6	.001	.001	NUM
fsr-4060	279	7	.029	.029	NUM
fsr-4060	279	8	.011	.011	NUM
fsr-4060	279	9	.008	.008	NUM
fsr-4060	279	10	hispanic	hispanic	ADJ
fsr-4060	279	11	.039	.039	NUM
fsr-4060	279	12	.008	.008	NUM
fsr-4060	279	13	<	<	X
fsr-4060	279	14	.001	.001	NUM
fsr-4060	279	15	-.027	-.027	PROPN
fsr-4060	279	16	.010	.010	NUM
fsr-4060	279	17	.009	.009	NUM
fsr-4060	280	1	-.012	-.012	PROPN
fsr-4060	280	2	.008	.008	NUM
fsr-4060	280	3	.126	.126	NUM
fsr-4060	280	4	asian	asian	ADJ
fsr-4060	280	5	.073	.073	NUM
fsr-4060	280	6	.009	.009	NUM
fsr-4060	280	7	<	<	X
fsr-4060	280	8	.001	.001	NUM
fsr-4060	280	9	-.066	-.066	PROPN
fsr-4060	280	10	.011	.011	NUM
fsr-4060	280	11	<	<	X
fsr-4060	280	12	.001	.001	NUM
fsr-4060	280	13	-.007	-.007	PROPN
fsr-4060	280	14	.008	.008	NUM
fsr-4060	280	15	.430	.430	NUM
fsr-4060	280	16	other	other	ADJ
fsr-4060	280	17	.048	.048	NUM
fsr-4060	280	18	.008	.008	NUM
fsr-4060	280	19	<	<	X
fsr-4060	280	20	.001	.001	NUM
fsr-4060	280	21	-.058	-.058	NOUN
fsr-4060	280	22	.010	.010	NUM
fsr-4060	280	23	<	<	X
fsr-4060	280	24	.001	.001	NUM
fsr-4060	280	25	.010	.010	NUM
fsr-4060	280	26	.008	.008	NUM
fsr-4060	280	27	.213	.213	NUM
fsr-4060	280	28	cost	cost	NOUN
fsr-4060	280	29	tuition	tuition	NOUN
fsr-4060	280	30	cost	cost	NOUN
fsr-4060	280	31	(	(	PUNCT
fsr-4060	280	32	net	net	ADJ
fsr-4060	280	33	price	price	NOUN
fsr-4060	280	34	)	)	PUNCT
fsr-4060	280	35	-.036	-.036	NOUN
fsr-4060	280	36	.005	.005	NUM
fsr-4060	280	37	<	<	X
fsr-4060	280	38	.001	.001	NUM
fsr-4060	280	39	.021	.021	NUM
fsr-4060	280	40	.007	.007	NUM
fsr-4060	280	41	.003	.003	NUM
fsr-4060	280	42	.014	.014	NUM
fsr-4060	280	43	.006	.006	NUM
fsr-4060	280	44	.011	.011	NUM
fsr-4060	280	45	tuition	tuition	NOUN
fsr-4060	280	46	type	type	NOUN
fsr-4060	280	47	(	(	PUNCT
fsr-4060	280	48	ref	ref	NOUN
fsr-4060	280	49	:	:	PUNCT
fsr-4060	280	50	public	public	ADJ
fsr-4060	280	51	in	in	ADP
fsr-4060	280	52	-	-	PUNCT
fsr-4060	280	53	state	state	NOUN
fsr-4060	280	54	)	)	PUNCT
fsr-4060	280	55	public	public	ADJ
fsr-4060	280	56	out	out	ADP
fsr-4060	280	57	-	-	PUNCT
fsr-4060	280	58	of	of	ADP
fsr-4060	280	59	-	-	PUNCT
fsr-4060	280	60	state	state	NOUN
fsr-4060	280	61	.025	.025	NUM
fsr-4060	280	62	.005	.005	NUM
fsr-4060	280	63	<	<	X
fsr-4060	280	64	.001	.001	NUM
fsr-4060	280	65	.006	.006	NUM
fsr-4060	280	66	.008	.008	NUM
fsr-4060	280	67	.451	.451	NUM
fsr-4060	280	68	.019	.019	NUM
fsr-4060	280	69	.006	.006	NUM
fsr-4060	280	70	.003	.003	NUM
fsr-4060	280	71	private	private	ADJ
fsr-4060	280	72	.023	.023	NUM
fsr-4060	280	73	.012	.012	NUM
fsr-4060	280	74	.062	.062	NUM
fsr-4060	281	1	-.047	-.047	PROPN
fsr-4060	281	2	.015	.015	NUM
fsr-4060	281	3	.002	.002	NUM
fsr-4060	281	4	.025	.025	NUM
fsr-4060	281	5	.012	.012	NUM
fsr-4060	281	6	.041	.041	NUM
fsr-4060	281	7	educational	educational	ADJ
fsr-4060	281	8	goals	goal	NOUN
fsr-4060	281	9	gpa	gpa	PROPN
fsr-4060	281	10	.016	.016	NUM
fsr-4060	281	11	.004	.004	NUM
fsr-4060	281	12	<	<	X
fsr-4060	281	13	.001	.001	NUM
fsr-4060	281	14	.011	.011	NUM
fsr-4060	281	15	.006	.006	NUM
fsr-4060	281	16	.058	.058	NUM
fsr-4060	282	1	-.027	-.027	PROPN
fsr-4060	282	2	.005	.005	NUM
fsr-4060	282	3	<	<	X
fsr-4060	282	4	.001	.001	NUM
fsr-4060	282	5	good	good	ADJ
fsr-4060	282	6	investment	investment	NOUN
fsr-4060	282	7	-.041	-.041	PROPN
fsr-4060	282	8	.005	.005	NUM
fsr-4060	282	9	<	<	X
fsr-4060	282	10	.001	.001	NUM
fsr-4060	282	11	.043	.043	NUM
fsr-4060	282	12	.006	.006	NUM
fsr-4060	282	13	<	<	X
fsr-4060	282	14	.001	.001	NUM
fsr-4060	282	15	-.002	-.002	NOUN
fsr-4060	282	16	.005	.005	NUM
fsr-4060	282	17	.727	.727	NUM
fsr-4060	282	18	financial	financial	ADJ
fsr-4060	282	19	services	service	NOUN
fsr-4060	282	20	review	review	NOUN
fsr-4060	282	21	,	,	PUNCT
fsr-4060	282	22	33(2	33(2	NUM
fsr-4060	282	23	)	)	PUNCT
fsr-4060	282	24	86	86	NUM
fsr-4060	282	25	major	major	ADJ
fsr-4060	282	26	:	:	PUNCT
fsr-4060	282	27	arts	art	NOUN
fsr-4060	282	28	&	&	CCONJ
fsr-4060	282	29	humanities	humanities	PROPN
fsr-4060	282	30	.020	.020	NUM
fsr-4060	282	31	.006	.006	NUM
fsr-4060	282	32	.001	.001	NUM
fsr-4060	283	1	-.032	-.032	ADP
fsr-4060	283	2	.009	.009	NUM
fsr-4060	283	3	<	<	X
fsr-4060	283	4	.001	.001	NUM
fsr-4060	283	5	.012	.012	NUM
fsr-4060	283	6	.007	.007	NUM
fsr-4060	283	7	.094	.094	NUM
fsr-4060	284	1	major	major	ADJ
fsr-4060	284	2	:	:	PUNCT
fsr-4060	284	3	business	business	NOUN
fsr-4060	284	4	.003	.003	NUM
fsr-4060	284	5	.007	.007	NUM
fsr-4060	284	6	.662	.662	NUM
fsr-4060	284	7	.056	.056	NUM
fsr-4060	284	8	.010	.010	NUM
fsr-4060	284	9	<	<	X
fsr-4060	284	10	.001	.001	NUM
fsr-4060	284	11	-.059	-.059	NOUN
fsr-4060	284	12	.008	.008	NUM
fsr-4060	284	13	<	<	X
fsr-4060	284	14	.001	.001	NUM
fsr-4060	284	15	major	major	ADJ
fsr-4060	284	16	:	:	PUNCT
fsr-4060	284	17	education	education	PROPN
fsr-4060	284	18	-.003	-.003	PROPN
fsr-4060	284	19	.009	.009	NUM
fsr-4060	284	20	.741	.741	NUM
fsr-4060	284	21	.001	.001	NUM
fsr-4060	284	22	.012	.012	NUM
fsr-4060	284	23	.967	.967	NUM
fsr-4060	284	24	.002	.002	NUM
fsr-4060	284	25	.010	.010	NUM
fsr-4060	284	26	.802	.802	NUM
fsr-4060	284	27	major	major	ADJ
fsr-4060	284	28	:	:	PUNCT
fsr-4060	284	29	health	health	NOUN
fsr-4060	284	30	-.027	-.027	PROPN
fsr-4060	284	31	.007	.007	NUM
fsr-4060	284	32	<	<	X
fsr-4060	284	33	.001	.001	NUM
fsr-4060	284	34	.024	.024	NUM
fsr-4060	284	35	.009	.009	NUM
fsr-4060	284	36	.010	.010	NUM
fsr-4060	284	37	.003	.003	NUM
fsr-4060	284	38	.007	.007	NUM
fsr-4060	284	39	.728	.728	NUM
fsr-4060	284	40	major	major	ADJ
fsr-4060	284	41	:	:	PUNCT
fsr-4060	284	42	social	social	ADJ
fsr-4060	284	43	science	science	NOUN
fsr-4060	284	44	-.012	-.012	PROPN
fsr-4060	284	45	.007	.007	NUM
fsr-4060	284	46	.080	.080	NUM
fsr-4060	284	47	.010	.010	NUM
fsr-4060	284	48	.009	.009	NUM
fsr-4060	284	49	.281	.281	NUM
fsr-4060	284	50	.002	.002	NUM
fsr-4060	284	51	.007	.007	NUM
fsr-4060	284	52	.781	.781	NUM
fsr-4060	284	53	major	major	ADJ
fsr-4060	284	54	:	:	PUNCT
fsr-4060	284	55	stem	stem	NOUN
fsr-4060	284	56	-.001	-.001	NOUN
fsr-4060	284	57	.006	.006	NUM
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fsr-4060	284	59	.025	.025	NUM
fsr-4060	284	60	.009	.009	NUM
fsr-4060	284	61	.004	.004	NUM
fsr-4060	284	62	-.023	-.023	PROPN
fsr-4060	284	63	.007	.007	NUM
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fsr-4060	284	65	major	major	ADJ
fsr-4060	284	66	:	:	PUNCT
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fsr-4060	284	68	.023	.023	NUM
fsr-4060	284	69	.022	.022	NUM
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fsr-4060	284	71	.040	.040	NUM
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fsr-4060	284	74	-.063	-.063	PROPN
fsr-4060	284	75	.030	.030	NUM
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fsr-4060	285	2	major	major	ADJ
fsr-4060	285	3	:	:	PUNCT
fsr-4060	285	4	other	other	ADJ
fsr-4060	285	5	.027	.027	NUM
fsr-4060	285	6	.009	.009	NUM
fsr-4060	285	7	.003	.003	NUM
fsr-4060	285	8	-.044	-.044	X
fsr-4060	285	9	.013	.013	NUM
fsr-4060	285	10	.001	.001	NUM
fsr-4060	285	11	.016	.016	NUM
fsr-4060	285	12	.010	.010	NUM
fsr-4060	285	13	.115	.115	NUM
fsr-4060	285	14	degree	degree	NOUN
fsr-4060	285	15	goals	goal	NOUN
fsr-4060	285	16	(	(	PUNCT
fsr-4060	285	17	ref	ref	NOUN
fsr-4060	285	18	:	:	PUNCT
fsr-4060	285	19	2	2	NUM
fsr-4060	285	20	yr	yr	NOUN
fsr-4060	285	21	)	)	PUNCT
fsr-4060	285	22	4	4	NUM
fsr-4060	285	23	-	-	PUNCT
fsr-4060	285	24	year	year	NOUN
fsr-4060	285	25	-.012	-.012	NOUN
fsr-4060	285	26	.013	.013	NUM
fsr-4060	285	27	.373	.373	NUM
fsr-4060	285	28	.019	.019	NUM
fsr-4060	285	29	.019	.019	NUM
fsr-4060	286	1	.323	.323	NUM
fsr-4060	286	2	-.007	-.007	PROPN
fsr-4060	286	3	.016	.016	NUM
fsr-4060	286	4	.653	.653	NUM
fsr-4060	286	5	certificate	certificate	PROPN
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fsr-4060	286	7	.030	.030	NUM
fsr-4060	286	8	.698	.698	NUM
fsr-4060	286	9	.047	.047	NUM
fsr-4060	286	10	.040	.040	NUM
fsr-4060	286	11	.240	.240	NUM
fsr-4060	286	12	-.036	-.036	PROPN
fsr-4060	286	13	.032	.032	NUM
fsr-4060	286	14	.263	.263	NUM
fsr-4060	286	15	other	other	ADJ
fsr-4060	286	16	-.039	-.039	NOUN
fsr-4060	286	17	.022	.022	NUM
fsr-4060	286	18	.081	.081	NUM
fsr-4060	287	1	-.026	-.026	PROPN
fsr-4060	287	2	.034	.034	NUM
fsr-4060	287	3	.447	.447	NUM
fsr-4060	287	4	.065	.065	NUM
fsr-4060	287	5	.030	.030	NUM
fsr-4060	287	6	.033	.033	NUM
fsr-4060	287	7	planning	planning	NOUN
fsr-4060	287	8	on	on	ADP
fsr-4060	287	9	grad	grad	ADJ
fsr-4060	287	10	school	school	NOUN
fsr-4060	287	11	-.022	-.022	NOUN
fsr-4060	287	12	.005	.005	NUM
fsr-4060	287	13	<	<	X
fsr-4060	287	14	.001	.001	NUM
fsr-4060	287	15	.025	.025	NUM
fsr-4060	287	16	.006	.006	NUM
fsr-4060	287	17	<	<	X
fsr-4060	287	18	.001	.001	NUM
fsr-4060	287	19	-.003	-.003	NUM
fsr-4060	287	20	.005	.005	NUM
fsr-4060	287	21	.612	.612	NUM
fsr-4060	287	22	income	income	NOUN
fsr-4060	287	23	employed	employ	VERB
fsr-4060	287	24	-.035	-.035	PROPN
fsr-4060	287	25	.006	.006	NUM
fsr-4060	287	26	<	<	X
fsr-4060	287	27	.001	.001	NUM
fsr-4060	287	28	.042	.042	NUM
fsr-4060	287	29	.008	.008	NUM
fsr-4060	287	30	<	<	X
fsr-4060	287	31	.001	.001	NUM
fsr-4060	287	32	-.007	-.007	PROPN
fsr-4060	287	33	.007	.007	NUM
fsr-4060	287	34	.301	.301	NUM
fsr-4060	287	35	student	student	NOUN
fsr-4060	287	36	income	income	NOUN
fsr-4060	287	37	.002	.002	NUM
fsr-4060	287	38	.000	.000	NUM
fsr-4060	287	39	<	<	X
fsr-4060	287	40	.001	.001	NUM
fsr-4060	287	41	-.001	-.001	PROPN
fsr-4060	287	42	.001	.001	NUM
fsr-4060	287	43	.126	.126	NUM
fsr-4060	288	1	-.001	-.001	NOUN
fsr-4060	288	2	.000	.000	NUM
fsr-4060	288	3	.003	.003	NUM
fsr-4060	288	4	alternative	alternative	ADJ
fsr-4060	288	5	financial	financial	ADJ
fsr-4060	288	6	support	support	NOUN
fsr-4060	288	7	scholarship	scholarship	NOUN
fsr-4060	288	8	or	or	CCONJ
fsr-4060	288	9	grants	grant	NOUN
fsr-4060	288	10	.020	.020	NUM
fsr-4060	288	11	.003	.003	NUM
fsr-4060	288	12	<	<	X
fsr-4060	288	13	.001	.001	NUM
fsr-4060	288	14	.001	.001	NUM
fsr-4060	288	15	.004	.004	NUM
fsr-4060	288	16	.787	.787	NUM
fsr-4060	289	1	-.021	-.021	NUM
fsr-4060	289	2	.003	.003	NUM
fsr-4060	289	3	<	<	X
fsr-4060	289	4	.001	.001	NUM
fsr-4060	289	5	parental	parental	ADJ
fsr-4060	289	6	support	support	NOUN
fsr-4060	289	7	.021	.021	NUM
fsr-4060	289	8	.002	.002	NUM
fsr-4060	289	9	<	<	X
fsr-4060	289	10	.001	.001	NUM
fsr-4060	290	1	-.032	-.032	NUM
fsr-4060	290	2	.003	.003	NUM
fsr-4060	290	3	<	<	X
fsr-4060	290	4	.001	.001	NUM
fsr-4060	290	5	.011	.011	NUM
fsr-4060	290	6	.003	.003	NUM
fsr-4060	290	7	<	<	X
fsr-4060	290	8	.001	.001	NUM
fsr-4060	291	1	n=24,121	n=24,121	PRON
fsr-4060	291	2	limitations	limitation	NOUN
fsr-4060	291	3	this	this	DET
fsr-4060	291	4	research	research	NOUN
fsr-4060	291	5	is	be	AUX
fsr-4060	291	6	not	not	PART
fsr-4060	291	7	without	without	ADP
fsr-4060	291	8	its	its	PRON
fsr-4060	291	9	limitations	limitation	NOUN
fsr-4060	291	10	.	.	PUNCT
fsr-4060	292	1	there	there	PRON
fsr-4060	292	2	may	may	AUX
fsr-4060	292	3	be	be	AUX
fsr-4060	292	4	selection	selection	NOUN
fsr-4060	292	5	effects	effect	NOUN
fsr-4060	292	6	due	due	ADJ
fsr-4060	292	7	to	to	ADP
fsr-4060	292	8	the	the	DET
fsr-4060	292	9	sampling	sample	VERB
fsr-4060	292	10	design	design	NOUN
fsr-4060	292	11	.	.	PUNCT
fsr-4060	293	1	institutions	institution	NOUN
fsr-4060	293	2	voluntarily	voluntarily	ADV
fsr-4060	293	3	participated	participate	VERB
fsr-4060	293	4	in	in	ADP
fsr-4060	293	5	the	the	DET
fsr-4060	293	6	scfw	scfw	NOUN
fsr-4060	293	7	which	which	PRON
fsr-4060	293	8	may	may	AUX
fsr-4060	293	9	induce	induce	VERB
fsr-4060	293	10	a	a	DET
fsr-4060	293	11	selection	selection	NOUN
fsr-4060	293	12	effect	effect	NOUN
fsr-4060	293	13	if	if	SCONJ
fsr-4060	293	14	these	these	DET
fsr-4060	293	15	institutions	institution	NOUN
fsr-4060	293	16	were	be	AUX
fsr-4060	293	17	systematically	systematically	ADV
fsr-4060	293	18	different	different	ADJ
fsr-4060	293	19	than	than	ADP
fsr-4060	293	20	the	the	DET
fsr-4060	293	21	population	population	NOUN
fsr-4060	293	22	of	of	ADP
fsr-4060	293	23	higher	high	ADJ
fsr-4060	293	24	education	education	NOUN
fsr-4060	293	25	institutions	institution	NOUN
fsr-4060	293	26	in	in	ADP
fsr-4060	293	27	the	the	DET
fsr-4060	293	28	us	us	PROPN
fsr-4060	293	29	.	.	PUNCT
fsr-4060	294	1	additionally	additionally	ADV
fsr-4060	294	2	,	,	PUNCT
fsr-4060	294	3	students	student	NOUN
fsr-4060	294	4	were	be	AUX
fsr-4060	294	5	randomly	randomly	ADV
fsr-4060	294	6	sampled	sample	VERB
fsr-4060	294	7	but	but	CCONJ
fsr-4060	294	8	voluntarily	voluntarily	ADV
fsr-4060	294	9	completed	complete	VERB
fsr-4060	294	10	the	the	DET
fsr-4060	294	11	surveys	survey	NOUN
fsr-4060	294	12	.	.	PUNCT
fsr-4060	295	1	although	although	SCONJ
fsr-4060	295	2	the	the	DET
fsr-4060	295	3	sample	sample	NOUN
fsr-4060	295	4	looks	look	VERB
fsr-4060	295	5	comparable	comparable	ADJ
fsr-4060	295	6	to	to	ADP
fsr-4060	295	7	national	national	ADJ
fsr-4060	295	8	statistics	statistic	NOUN
fsr-4060	295	9	on	on	ADP
fsr-4060	295	10	the	the	DET
fsr-4060	295	11	college	college	NOUN
fsr-4060	295	12	student	student	NOUN
fsr-4060	295	13	population	population	NOUN
fsr-4060	295	14	,	,	PUNCT
fsr-4060	295	15	we	we	PRON
fsr-4060	295	16	can	can	AUX
fsr-4060	295	17	not	not	PART
fsr-4060	295	18	rule	rule	VERB
fsr-4060	295	19	out	out	ADP
fsr-4060	295	20	selection	selection	NOUN
fsr-4060	295	21	effects	effect	NOUN
fsr-4060	295	22	.	.	PUNCT
fsr-4060	296	1	the	the	DET
fsr-4060	296	2	distribution	distribution	NOUN
fsr-4060	296	3	of	of	ADP
fsr-4060	296	4	students	student	NOUN
fsr-4060	296	5	across	across	ADP
fsr-4060	296	6	different	different	ADJ
fsr-4060	296	7	institutions	institution	NOUN
fsr-4060	296	8	is	be	AUX
fsr-4060	296	9	not	not	PART
fsr-4060	296	10	in	in	ADP
fsr-4060	296	11	line	line	NOUN
fsr-4060	296	12	with	with	ADP
fsr-4060	296	13	national	national	ADJ
fsr-4060	296	14	averages	average	NOUN
fsr-4060	296	15	.	.	PUNCT
fsr-4060	297	1	the	the	DET
fsr-4060	297	2	sample	sample	NOUN
fsr-4060	297	3	in	in	ADP
fsr-4060	297	4	this	this	DET
fsr-4060	297	5	study	study	NOUN
fsr-4060	297	6	is	be	AUX
fsr-4060	297	7	more	more	ADV
fsr-4060	297	8	heavily	heavily	ADV
fsr-4060	297	9	weighted	weight	VERB
fsr-4060	297	10	towards	towards	ADP
fsr-4060	297	11	4	4	NUM
fsr-4060	297	12	-	-	PUNCT
fsr-4060	297	13	year	year	NOUN
fsr-4060	297	14	public	public	ADJ
fsr-4060	297	15	schools	school	NOUN
fsr-4060	297	16	when	when	SCONJ
fsr-4060	297	17	compared	compare	VERB
fsr-4060	297	18	to	to	ADP
fsr-4060	297	19	the	the	DET
fsr-4060	297	20	national	national	ADJ
fsr-4060	297	21	average	average	NOUN
fsr-4060	297	22	(	(	PUNCT
fsr-4060	297	23	81	81	NUM
fsr-4060	297	24	%	%	NOUN
fsr-4060	297	25	vs.	vs.	ADP
fsr-4060	297	26	43	43	NUM
fsr-4060	297	27	%	%	NOUN
fsr-4060	297	28	)	)	PUNCT
fsr-4060	297	29	.	.	PUNCT
fsr-4060	298	1	the	the	DET
fsr-4060	298	2	sample	sample	NOUN
fsr-4060	298	3	also	also	ADV
fsr-4060	298	4	excludes	exclude	VERB
fsr-4060	298	5	students	student	NOUN
fsr-4060	298	6	from	from	ADP
fsr-4060	298	7	4	4	NUM
fsr-4060	298	8	-	-	PUNCT
fsr-4060	298	9	year	year	NOUN
fsr-4060	298	10	for	for	ADP
fsr-4060	298	11	-	-	PUNCT
fsr-4060	298	12	profit	profit	NOUN
fsr-4060	298	13	institutions	institution	NOUN
fsr-4060	298	14	and	and	CCONJ
fsr-4060	298	15	under	under	AUX
fsr-4060	298	16	-	-	PUNCT
fsr-4060	298	17	represents	represent	VERB
fsr-4060	298	18	2	2	NUM
fsr-4060	298	19	-	-	PUNCT
fsr-4060	298	20	year	year	NOUN
fsr-4060	298	21	public	public	ADJ
fsr-4060	298	22	schools	school	NOUN
fsr-4060	298	23	(	(	PUNCT
fsr-4060	298	24	9	9	NUM
fsr-4060	298	25	%	%	NOUN
fsr-4060	298	26	vs.	vs.	ADP
fsr-4060	298	27	30	30	NUM
fsr-4060	298	28	%	%	NOUN
fsr-4060	298	29	)	)	PUNCT
fsr-4060	298	30	and	and	CCONJ
fsr-4060	298	31	4	4	NUM
fsr-4060	298	32	-	-	PUNCT
fsr-4060	298	33	year	year	NOUN
fsr-4060	298	34	private	private	ADJ
fsr-4060	298	35	schools	school	NOUN
fsr-4060	298	36	(	(	PUNCT
fsr-4060	298	37	10	10	NUM
fsr-4060	298	38	%	%	NOUN
fsr-4060	298	39	vs.	vs.	ADP
fsr-4060	298	40	21	21	NUM
fsr-4060	298	41	%	%	NOUN
fsr-4060	298	42	)	)	PUNCT
fsr-4060	298	43	.	.	PUNCT
fsr-4060	299	1	our	our	PRON
fsr-4060	299	2	sample	sample	NOUN
fsr-4060	299	3	might	might	AUX
fsr-4060	299	4	be	be	AUX
fsr-4060	299	5	why	why	SCONJ
fsr-4060	299	6	we	we	PRON
fsr-4060	299	7	find	find	VERB
fsr-4060	299	8	a	a	DET
fsr-4060	299	9	significantly	significantly	ADV
fsr-4060	299	10	smaller	small	ADJ
fsr-4060	299	11	number	number	NOUN
fsr-4060	299	12	of	of	ADP
fsr-4060	299	13	students	student	NOUN
fsr-4060	299	14	who	who	PRON
fsr-4060	299	15	are	be	AUX
fsr-4060	299	16	debt	debt	NOUN
fsr-4060	299	17	averse	averse	ADJ
fsr-4060	299	18	as	as	ADP
fsr-4060	299	19	compared	compare	VERB
fsr-4060	299	20	to	to	ADP
fsr-4060	299	21	other	other	ADJ
fsr-4060	299	22	studies	study	NOUN
fsr-4060	299	23	(	(	PUNCT
fsr-4060	299	24	e.g.	e.g.	ADV
fsr-4060	299	25	,	,	PUNCT
fsr-4060	299	26	boatman	boatman	NOUN
fsr-4060	299	27	et	et	PROPN
fsr-4060	299	28	al	al	PROPN
fsr-4060	299	29	.	.	PROPN
fsr-4060	299	30	,	,	PUNCT
fsr-4060	299	31	2017	2017	NUM
fsr-4060	299	32	;	;	PUNCT
fsr-4060	299	33	goldrick	goldrick	NOUN
fsr-4060	299	34	-	-	PUNCT
fsr-4060	299	35	rab	rab	PROPN
fsr-4060	299	36	&	&	CCONJ
fsr-4060	299	37	kelchen	kelchen	PROPN
fsr-4060	299	38	,	,	PUNCT
fsr-4060	299	39	2015	2015	NUM
fsr-4060	299	40	)	)	PUNCT
fsr-4060	299	41	.	.	PUNCT
fsr-4060	300	1	heckman	heckman	PROPN
fsr-4060	300	2	et	et	PROPN
fsr-4060	300	3	al	al	PROPN
fsr-4060	300	4	.	.	PROPN
fsr-4060	301	1	87	87	NUM
fsr-4060	301	2	table	table	NOUN
fsr-4060	301	3	3	3	NUM
fsr-4060	301	4	.	.	SYM
fsr-4060	301	5	2020	2020	NUM
fsr-4060	301	6	tobit	tobit	NOUN
fsr-4060	301	7	regression	regression	NOUN
fsr-4060	301	8	results	result	NOUN
fsr-4060	301	9	on	on	ADP
fsr-4060	301	10	amount	amount	NOUN
fsr-4060	301	11	willing	willing	ADJ
fsr-4060	301	12	to	to	PART
fsr-4060	301	13	borrow	borrow	VERB
fsr-4060	301	14	variable	variable	ADJ
fsr-4060	301	15	dy	dy	NOUN
fsr-4060	301	16	/	/	SYM
fsr-4060	301	17	dx	dx	PROPN
fsr-4060	301	18	(	(	PUNCT
fsr-4060	301	19	me	i	PRON
fsr-4060	301	20	)	)	PUNCT
fsr-4060	301	21	std	std	PROPN
fsr-4060	301	22	.	.	PUNCT
fsr-4060	302	1	err	err	NOUN
fsr-4060	302	2	.	.	PUNCT
fsr-4060	303	1	p	p	ADJ
fsr-4060	303	2	-	-	PUNCT
fsr-4060	303	3	value	value	NOUN
fsr-4060	303	4	control	control	NOUN
fsr-4060	303	5	rank	rank	NOUN
fsr-4060	303	6	(	(	PUNCT
fsr-4060	303	7	ref	ref	NOUN
fsr-4060	303	8	:	:	PUNCT
fsr-4060	303	9	year	year	NOUN
fsr-4060	303	10	1	1	NUM
fsr-4060	303	11	)	)	PUNCT
fsr-4060	303	12	year	year	NOUN
fsr-4060	303	13	2	2	NUM
fsr-4060	303	14	-0.109	-0.109	NUM
fsr-4060	303	15	.373	.373	NUM
fsr-4060	303	16	.770	.770	NUM
fsr-4060	303	17	year	year	NOUN
fsr-4060	303	18	3	3	NUM
fsr-4060	303	19	0.338	0.338	NUM
fsr-4060	303	20	.372	.372	NUM
fsr-4060	303	21	.363	.363	NUM
fsr-4060	303	22	year	year	NOUN
fsr-4060	303	23	4	4	NUM
fsr-4060	303	24	1.049	1.049	NUM
fsr-4060	303	25	.397	.397	NUM
fsr-4060	303	26	.008	.008	NUM
fsr-4060	303	27	more	more	ADJ
fsr-4060	303	28	than	than	ADP
fsr-4060	303	29	4	4	NUM
fsr-4060	303	30	2.520	2.520	NUM
fsr-4060	303	31	.621	.621	NUM
fsr-4060	304	1	<	<	X
fsr-4060	304	2	.001	.001	NUM
fsr-4060	304	3	first	first	ADJ
fsr-4060	304	4	generation	generation	NOUN
fsr-4060	304	5	0.356	0.356	NUM
fsr-4060	304	6	.284	.284	NUM
fsr-4060	304	7	.211	.211	NUM
fsr-4060	304	8	non	non	ADJ
fsr-4060	304	9	-	-	ADJ
fsr-4060	304	10	traditional	traditional	ADJ
fsr-4060	304	11	-1.424	-1.424	PUNCT
fsr-4060	304	12	.408	.408	NUM
fsr-4060	304	13	<	<	X
fsr-4060	304	14	.001	.001	NUM
fsr-4060	304	15	gender	gender	NOUN
fsr-4060	304	16	(	(	PUNCT
fsr-4060	304	17	ref	ref	NOUN
fsr-4060	304	18	:	:	PUNCT
fsr-4060	304	19	male	male	ADJ
fsr-4060	304	20	)	)	PUNCT
fsr-4060	304	21	female	female	NOUN
fsr-4060	304	22	-0.426	-0.426	NOUN
fsr-4060	304	23	.292	.292	NUM
fsr-4060	304	24	.144	.144	NUM
fsr-4060	304	25	prefer	prefer	VERB
fsr-4060	304	26	not	not	PART
fsr-4060	304	27	to	to	PART
fsr-4060	304	28	say	say	VERB
fsr-4060	304	29	/	/	SYM
fsr-4060	304	30	other	other	ADJ
fsr-4060	304	31	-2.464	-2.464	NUM
fsr-4060	304	32	.851	.851	NUM
fsr-4060	304	33	.005	.005	NUM
fsr-4060	304	34	race	race	NOUN
fsr-4060	304	35	/	/	SYM
fsr-4060	304	36	ethnicity	ethnicity	NOUN
fsr-4060	304	37	(	(	PUNCT
fsr-4060	304	38	ref	ref	NOUN
fsr-4060	304	39	:	:	PUNCT
fsr-4060	304	40	white	white	ADJ
fsr-4060	304	41	)	)	PUNCT
fsr-4060	304	42	black	black	ADJ
fsr-4060	304	43	-2.337	-2.337	NOUN
fsr-4060	304	44	.575	.575	NUM
fsr-4060	304	45	<	<	X
fsr-4060	304	46	.001	.001	NUM
fsr-4060	304	47	hispanic	hispanic	ADJ
fsr-4060	304	48	-2.830	-2.830	NOUN
fsr-4060	304	49	.428	.428	NUM
fsr-4060	304	50	<	<	X
fsr-4060	304	51	.001	.001	NUM
fsr-4060	304	52	asian	asian	ADJ
fsr-4060	304	53	-4.953	-4.953	ADP
fsr-4060	304	54	.458	.458	NUM
fsr-4060	304	55	<	<	X
fsr-4060	304	56	.001	.001	NUM
fsr-4060	304	57	other	other	ADJ
fsr-4060	304	58	-2.150	-2.150	PROPN
fsr-4060	304	59	.437	.437	NUM
fsr-4060	304	60	<	<	X
fsr-4060	304	61	.001	.001	NUM
fsr-4060	304	62	cost	cost	NOUN
fsr-4060	304	63	tuition	tuition	NOUN
fsr-4060	304	64	cost	cost	NOUN
fsr-4060	304	65	(	(	PUNCT
fsr-4060	304	66	net	net	ADJ
fsr-4060	304	67	price	price	NOUN
fsr-4060	304	68	)	)	PUNCT
fsr-4060	304	69	5.485	5.485	NUM
fsr-4060	304	70	.311	.311	NUM
fsr-4060	304	71	<	<	NOUN
fsr-4060	304	72	.001	.001	NUM
fsr-4060	304	73	tuition	tuition	NOUN
fsr-4060	304	74	type	type	NOUN
fsr-4060	304	75	(	(	PUNCT
fsr-4060	304	76	ref	ref	NOUN
fsr-4060	304	77	:	:	PUNCT
fsr-4060	304	78	public	public	ADJ
fsr-4060	304	79	in	in	ADP
fsr-4060	304	80	-	-	PUNCT
fsr-4060	304	81	state	state	NOUN
fsr-4060	304	82	)	)	PUNCT
fsr-4060	304	83	public	public	ADJ
fsr-4060	304	84	out	out	ADP
fsr-4060	304	85	-	-	PUNCT
fsr-4060	304	86	of	of	ADP
fsr-4060	304	87	-	-	PUNCT
fsr-4060	304	88	state	state	NOUN
fsr-4060	305	1	5.631	5.631	NUM
fsr-4060	305	2	.366	.366	NUM
fsr-4060	305	3	<	<	X
fsr-4060	305	4	.001	.001	NUM
fsr-4060	305	5	private	private	ADJ
fsr-4060	305	6	-2.365	-2.365	NOUN
fsr-4060	305	7	.603	.603	NUM
fsr-4060	305	8	<	<	NOUN
fsr-4060	305	9	.001	.001	NUM
fsr-4060	305	10	educational	educational	ADJ
fsr-4060	305	11	goals	goal	NOUN
fsr-4060	305	12	gpa	gpa	PROPN
fsr-4060	305	13	-2.142	-2.142	PUNCT
fsr-4060	305	14	.259	.259	NUM
fsr-4060	305	15	<	<	X
fsr-4060	305	16	.001	.001	NUM
fsr-4060	305	17	good	good	ADJ
fsr-4060	305	18	investment	investment	NOUN
fsr-4060	305	19	3.138	3.138	NUM
fsr-4060	305	20	.290	.290	NUM
fsr-4060	305	21	<	<	X
fsr-4060	305	22	.001	.001	NUM
fsr-4060	305	23	major	major	ADJ
fsr-4060	305	24	:	:	PUNCT
fsr-4060	305	25	arts	art	NOUN
fsr-4060	305	26	&	&	CCONJ
fsr-4060	305	27	humanities	humanity	NOUN
fsr-4060	305	28	-1.755	-1.755	NOUN
fsr-4060	305	29	.386	.386	NUM
fsr-4060	305	30	<	<	X
fsr-4060	305	31	.001	.001	NUM
fsr-4060	305	32	major	major	ADJ
fsr-4060	305	33	:	:	PUNCT
fsr-4060	305	34	business	business	NOUN
fsr-4060	305	35	0.530	0.530	NUM
fsr-4060	305	36	.426	.426	NUM
fsr-4060	305	37	.213	.213	NUM
fsr-4060	305	38	major	major	ADJ
fsr-4060	305	39	:	:	PUNCT
fsr-4060	305	40	education	education	NOUN
fsr-4060	305	41	-0.640	-0.640	X
fsr-4060	305	42	.546	.546	NUM
fsr-4060	305	43	.241	.241	NUM
fsr-4060	305	44	major	major	ADJ
fsr-4060	305	45	:	:	PUNCT
fsr-4060	305	46	health	health	NOUN
fsr-4060	305	47	3.086	3.086	NUM
fsr-4060	305	48	.411	.411	NUM
fsr-4060	305	49	<	<	X
fsr-4060	305	50	.001	.001	NUM
fsr-4060	305	51	major	major	ADJ
fsr-4060	305	52	:	:	PUNCT
fsr-4060	305	53	social	social	ADJ
fsr-4060	305	54	science	science	NOUN
fsr-4060	305	55	0.317	0.317	NUM
fsr-4060	305	56	.396	.396	NUM
fsr-4060	305	57	.423	.423	NUM
fsr-4060	305	58	major	major	ADJ
fsr-4060	305	59	:	:	PUNCT
fsr-4060	305	60	stem	stem	VERB
fsr-4060	305	61	0.538	0.538	NUM
fsr-4060	305	62	.380	.380	NUM
fsr-4060	305	63	.157	.157	NUM
fsr-4060	306	1	major	major	ADJ
fsr-4060	306	2	:	:	PUNCT
fsr-4060	306	3	vocational	vocational	ADJ
fsr-4060	306	4	-0.092	-0.092	PUNCT
fsr-4060	306	5	1.384	1.384	NUM
fsr-4060	306	6	.947	.947	NUM
fsr-4060	306	7	major	major	ADJ
fsr-4060	306	8	:	:	PUNCT
fsr-4060	306	9	other	other	ADJ
fsr-4060	306	10	-1.662	-1.662	NOUN
fsr-4060	306	11	.608	.608	NUM
fsr-4060	306	12	.006	.006	NUM
fsr-4060	306	13	degree	degree	NOUN
fsr-4060	306	14	goals	goal	NOUN
fsr-4060	306	15	(	(	PUNCT
fsr-4060	306	16	ref	ref	NOUN
fsr-4060	306	17	:	:	PUNCT
fsr-4060	306	18	2	2	NUM
fsr-4060	306	19	yr	yr	NOUN
fsr-4060	306	20	)	)	PUNCT
fsr-4060	306	21	4	4	NUM
fsr-4060	306	22	-	-	PUNCT
fsr-4060	306	23	year	year	NOUN
fsr-4060	306	24	2.006	2.006	NUM
fsr-4060	306	25	.837	.837	NUM
fsr-4060	306	26	.019	.019	NUM
fsr-4060	306	27	certificate	certificate	NOUN
fsr-4060	306	28	2.415	2.415	NUM
fsr-4060	306	29	1.839	1.839	NUM
fsr-4060	306	30	.184	.184	NUM
fsr-4060	306	31	other	other	ADJ
fsr-4060	306	32	4.695	4.695	NUM
fsr-4060	306	33	1.565	1.565	NUM
fsr-4060	306	34	.002	.002	NUM
fsr-4060	306	35	planning	plan	VERB
fsr-4060	306	36	on	on	ADP
fsr-4060	306	37	grad	grad	ADJ
fsr-4060	306	38	school	school	NOUN
fsr-4060	306	39	2.821	2.821	NUM
fsr-4060	306	40	.278	.278	NUM
fsr-4060	306	41	<	<	X
fsr-4060	306	42	.001	.001	NUM
fsr-4060	306	43	income	income	NOUN
fsr-4060	306	44	employed	employ	VERB
fsr-4060	306	45	1.430	1.430	NUM
fsr-4060	306	46	.358	.358	NUM
fsr-4060	306	47	<	<	X
fsr-4060	306	48	.001	.001	NUM
fsr-4060	306	49	student	student	NOUN
fsr-4060	306	50	income	income	NOUN
fsr-4060	306	51	-0.136	-0.136	PUNCT
fsr-4060	306	52	.023	.023	NUM
fsr-4060	306	53	<	<	NOUN
fsr-4060	306	54	.001	.001	NUM
fsr-4060	306	55	alternative	alternative	ADJ
fsr-4060	306	56	financial	financial	ADJ
fsr-4060	306	57	support	support	NOUN
fsr-4060	306	58	scholarship	scholarship	NOUN
fsr-4060	306	59	or	or	CCONJ
fsr-4060	306	60	grants	grant	NOUN
fsr-4060	306	61	-3.041	-3.041	PROPN
fsr-4060	306	62	.161	.161	NUM
fsr-4060	306	63	<	<	X
fsr-4060	306	64	.001	.001	NUM
fsr-4060	306	65	parental	parental	ADJ
fsr-4060	306	66	support	support	NOUN
fsr-4060	306	67	-2.192	-2.192	VERB
fsr-4060	306	68	.148	.148	NUM
fsr-4060	306	69	<	<	X
fsr-4060	306	70	.001	.001	NUM
fsr-4060	306	71	n=20,145	n=20,145	ADJ
fsr-4060	306	72	financial	financial	ADJ
fsr-4060	306	73	services	service	NOUN
fsr-4060	306	74	review	review	NOUN
fsr-4060	306	75	,	,	PUNCT
fsr-4060	306	76	33(2	33(2	NUM
fsr-4060	306	77	)	)	PUNCT
fsr-4060	306	78	88	88	NUM
fsr-4060	306	79	conclusions	conclusion	NOUN
fsr-4060	306	80	,	,	PUNCT
fsr-4060	306	81	discussion	discussion	NOUN
fsr-4060	306	82	,	,	PUNCT
fsr-4060	306	83	and	and	CCONJ
fsr-4060	306	84	implications	implication	VERB
fsr-4060	306	85	the	the	DET
fsr-4060	306	86	decision	decision	NOUN
fsr-4060	306	87	to	to	PART
fsr-4060	306	88	borrow	borrow	VERB
fsr-4060	306	89	for	for	ADP
fsr-4060	306	90	college	college	NOUN
fsr-4060	306	91	is	be	AUX
fsr-4060	306	92	a	a	DET
fsr-4060	306	93	complex	complex	ADJ
fsr-4060	306	94	process	process	NOUN
fsr-4060	306	95	and	and	CCONJ
fsr-4060	306	96	self	self	NOUN
fsr-4060	306	97	-	-	PUNCT
fsr-4060	306	98	assessment	assessment	NOUN
fsr-4060	306	99	of	of	ADP
fsr-4060	306	100	the	the	DET
fsr-4060	306	101	risk	risk	NOUN
fsr-4060	306	102	involved	involve	VERB
fsr-4060	306	103	in	in	ADP
fsr-4060	306	104	borrowing	borrowing	NOUN
fsr-4060	306	105	is	be	AUX
fsr-4060	306	106	one	one	NUM
fsr-4060	306	107	aspect	aspect	NOUN
fsr-4060	306	108	contributing	contribute	VERB
fsr-4060	306	109	to	to	ADP
fsr-4060	306	110	this	this	DET
fsr-4060	306	111	complexity	complexity	NOUN
fsr-4060	306	112	(	(	PUNCT
fsr-4060	306	113	dowd	dowd	PROPN
fsr-4060	306	114	&	&	CCONJ
fsr-4060	306	115	coury	coury	PROPN
fsr-4060	306	116	,	,	PUNCT
fsr-4060	306	117	2006	2006	NUM
fsr-4060	306	118	;	;	PUNCT
fsr-4060	306	119	heckman	heckman	PROPN
fsr-4060	306	120	&	&	CCONJ
fsr-4060	306	121	montalto	montalto	PROPN
fsr-4060	306	122	,	,	PUNCT
fsr-4060	306	123	2018	2018	NUM
fsr-4060	306	124	)	)	PUNCT
fsr-4060	306	125	.	.	PUNCT
fsr-4060	307	1	nevertheless	nevertheless	ADV
fsr-4060	307	2	,	,	PUNCT
fsr-4060	307	3	this	this	DET
fsr-4060	307	4	research	research	NOUN
fsr-4060	307	5	indicates	indicate	VERB
fsr-4060	307	6	that	that	SCONJ
fsr-4060	307	7	many	many	ADJ
fsr-4060	307	8	students	student	NOUN
fsr-4060	307	9	are	be	AUX
fsr-4060	307	10	rational	rational	ADJ
fsr-4060	307	11	about	about	ADP
fsr-4060	307	12	the	the	DET
fsr-4060	307	13	amount	amount	NOUN
fsr-4060	307	14	of	of	ADP
fsr-4060	307	15	debt	debt	NOUN
fsr-4060	307	16	they	they	PRON
fsr-4060	307	17	are	be	AUX
fsr-4060	307	18	willing	willing	ADJ
fsr-4060	307	19	to	to	PART
fsr-4060	307	20	accumulate	accumulate	VERB
fsr-4060	307	21	.	.	PUNCT
fsr-4060	308	1	as	as	SCONJ
fsr-4060	308	2	expected	expect	VERB
fsr-4060	308	3	from	from	ADP
fsr-4060	308	4	the	the	DET
fsr-4060	308	5	two	two	NUM
fsr-4060	308	6	-	-	PUNCT
fsr-4060	308	7	period	period	NOUN
fsr-4060	308	8	human	human	ADJ
fsr-4060	308	9	capital	capital	NOUN
fsr-4060	308	10	model	model	NOUN
fsr-4060	308	11	(	(	PUNCT
fsr-4060	308	12	checchi	checchi	NOUN
fsr-4060	308	13	,	,	PUNCT
fsr-4060	308	14	2006	2006	NUM
fsr-4060	308	15	)	)	PUNCT
fsr-4060	308	16	,	,	PUNCT
fsr-4060	308	17	the	the	DET
fsr-4060	308	18	results	result	NOUN
fsr-4060	308	19	show	show	VERB
fsr-4060	308	20	that	that	SCONJ
fsr-4060	308	21	higher	high	ADJ
fsr-4060	308	22	costs	cost	NOUN
fsr-4060	308	23	of	of	ADP
fsr-4060	308	24	education	education	NOUN
fsr-4060	308	25	(	(	PUNCT
fsr-4060	308	26	i.e.	i.e.	X
fsr-4060	308	27	,	,	PUNCT
fsr-4060	308	28	attending	attend	VERB
fsr-4060	308	29	at	at	ADP
fsr-4060	308	30	institution	institution	NOUN
fsr-4060	308	31	with	with	ADP
fsr-4060	308	32	higher	high	ADJ
fsr-4060	308	33	tuition	tuition	NOUN
fsr-4060	308	34	,	,	PUNCT
fsr-4060	308	35	expecting	expect	VERB
fsr-4060	308	36	to	to	PART
fsr-4060	308	37	take	take	VERB
fsr-4060	308	38	longer	long	ADV
fsr-4060	308	39	to	to	PART
fsr-4060	308	40	complete	complete	VERB
fsr-4060	308	41	a	a	DET
fsr-4060	308	42	degree	degree	NOUN
fsr-4060	308	43	)	)	PUNCT
fsr-4060	308	44	and	and	CCONJ
fsr-4060	308	45	educational	educational	ADJ
fsr-4060	308	46	goals	goal	NOUN
fsr-4060	308	47	(	(	PUNCT
fsr-4060	308	48	i.e.	i.e.	X
fsr-4060	308	49	,	,	PUNCT
fsr-4060	308	50	perceiving	perceive	VERB
fsr-4060	308	51	tuition	tuition	NOUN
fsr-4060	308	52	as	as	ADP
fsr-4060	308	53	a	a	DET
fsr-4060	308	54	good	good	ADJ
fsr-4060	308	55	investment	investment	NOUN
fsr-4060	308	56	,	,	PUNCT
fsr-4060	308	57	pursuing	pursue	VERB
fsr-4060	308	58	more	more	ADJ
fsr-4060	308	59	than	than	ADP
fsr-4060	308	60	2	2	NUM
fsr-4060	308	61	-	-	PUNCT
fsr-4060	308	62	year	year	NOUN
fsr-4060	308	63	degree	degree	NOUN
fsr-4060	308	64	,	,	PUNCT
fsr-4060	308	65	planning	plan	VERB
fsr-4060	308	66	to	to	PART
fsr-4060	308	67	attend	attend	VERB
fsr-4060	308	68	graduate	graduate	NOUN
fsr-4060	308	69	school	school	NOUN
fsr-4060	308	70	,	,	PUNCT
fsr-4060	308	71	enrolled	enrol	VERB
fsr-4060	308	72	in	in	ADP
fsr-4060	308	73	a	a	DET
fsr-4060	308	74	high	high	ADV
fsr-4060	308	75	-	-	PUNCT
fsr-4060	308	76	paying	pay	VERB
fsr-4060	308	77	major	major	NOUN
fsr-4060	308	78	)	)	PUNCT
fsr-4060	308	79	were	be	AUX
fsr-4060	308	80	positively	positively	ADV
fsr-4060	308	81	associated	associate	VERB
fsr-4060	308	82	with	with	ADP
fsr-4060	308	83	willingness	willingness	NOUN
fsr-4060	308	84	to	to	PART
fsr-4060	308	85	borrow	borrow	VERB
fsr-4060	308	86	.	.	PUNCT
fsr-4060	309	1	findings	finding	NOUN
fsr-4060	309	2	on	on	ADP
fsr-4060	309	3	income	income	NOUN
fsr-4060	309	4	were	be	AUX
fsr-4060	309	5	mixed	mixed	ADJ
fsr-4060	309	6	.	.	PUNCT
fsr-4060	310	1	there	there	PRON
fsr-4060	310	2	does	do	AUX
fsr-4060	310	3	appear	appear	VERB
fsr-4060	310	4	to	to	PART
fsr-4060	310	5	be	be	AUX
fsr-4060	310	6	a	a	DET
fsr-4060	310	7	positive	positive	ADJ
fsr-4060	310	8	effect	effect	NOUN
fsr-4060	310	9	of	of	ADP
fsr-4060	310	10	income	income	NOUN
fsr-4060	310	11	on	on	ADP
fsr-4060	310	12	willingness	willingness	NOUN
fsr-4060	310	13	to	to	PART
fsr-4060	310	14	borrow	borrow	VERB
fsr-4060	310	15	at	at	ADP
fsr-4060	310	16	the	the	DET
fsr-4060	310	17	lower	low	ADJ
fsr-4060	310	18	end	end	NOUN
fsr-4060	310	19	of	of	ADP
fsr-4060	310	20	incomes	income	NOUN
fsr-4060	310	21	,	,	PUNCT
fsr-4060	310	22	but	but	CCONJ
fsr-4060	310	23	as	as	ADP
fsr-4060	310	24	income	income	NOUN
fsr-4060	310	25	increases	increase	NOUN
fsr-4060	310	26	,	,	PUNCT
fsr-4060	310	27	the	the	DET
fsr-4060	310	28	amount	amount	NOUN
fsr-4060	310	29	willing	willing	ADJ
fsr-4060	310	30	to	to	PART
fsr-4060	310	31	borrow	borrow	VERB
fsr-4060	310	32	is	be	AUX
fsr-4060	310	33	less	less	ADJ
fsr-4060	310	34	.	.	PUNCT
fsr-4060	311	1	alternative	alternative	ADJ
fsr-4060	311	2	financial	financial	ADJ
fsr-4060	311	3	support	support	NOUN
fsr-4060	311	4	(	(	PUNCT
fsr-4060	311	5	i.e.	i.e.	X
fsr-4060	311	6	,	,	PUNCT
fsr-4060	311	7	more	more	ADV
fsr-4060	311	8	financial	financial	ADJ
fsr-4060	311	9	support	support	NOUN
fsr-4060	311	10	from	from	ADP
fsr-4060	311	11	family	family	NOUN
fsr-4060	311	12	or	or	CCONJ
fsr-4060	311	13	financial	financial	ADJ
fsr-4060	311	14	aid	aid	NOUN
fsr-4060	311	15	from	from	ADP
fsr-4060	311	16	scholarships	scholarship	NOUN
fsr-4060	311	17	and	and	CCONJ
fsr-4060	311	18	grants	grant	NOUN
fsr-4060	311	19	)	)	PUNCT
fsr-4060	311	20	is	be	AUX
fsr-4060	311	21	negatively	negatively	ADV
fsr-4060	311	22	associated	associate	VERB
fsr-4060	311	23	with	with	ADP
fsr-4060	311	24	willingness	willingness	NOUN
fsr-4060	311	25	to	to	PART
fsr-4060	311	26	borrow	borrow	VERB
fsr-4060	311	27	,	,	PUNCT
fsr-4060	311	28	which	which	PRON
fsr-4060	311	29	is	be	AUX
fsr-4060	311	30	also	also	ADV
fsr-4060	311	31	consistent	consistent	ADJ
fsr-4060	311	32	with	with	ADP
fsr-4060	311	33	the	the	DET
fsr-4060	311	34	two	two	NUM
fsr-4060	311	35	-	-	PUNCT
fsr-4060	311	36	period	period	NOUN
fsr-4060	311	37	human	human	ADJ
fsr-4060	311	38	capital	capital	NOUN
fsr-4060	311	39	model	model	NOUN
fsr-4060	311	40	(	(	PUNCT
fsr-4060	311	41	checchi	checchi	NOUN
fsr-4060	311	42	2006	2006	NUM
fsr-4060	311	43	)	)	PUNCT
fsr-4060	311	44	.	.	PUNCT
fsr-4060	312	1	while	while	SCONJ
fsr-4060	312	2	there	there	PRON
fsr-4060	312	3	have	have	AUX
fsr-4060	312	4	been	be	AUX
fsr-4060	312	5	concerns	concern	NOUN
fsr-4060	312	6	about	about	ADP
fsr-4060	312	7	whether	whether	SCONJ
fsr-4060	312	8	students	student	NOUN
fsr-4060	312	9	choose	choose	VERB
fsr-4060	312	10	not	not	PART
fsr-4060	312	11	to	to	PART
fsr-4060	312	12	borrow	borrow	VERB
fsr-4060	312	13	enough	enough	ADJ
fsr-4060	312	14	for	for	ADP
fsr-4060	312	15	college	college	NOUN
fsr-4060	312	16	education	education	NOUN
fsr-4060	312	17	(	(	PUNCT
fsr-4060	312	18	cadena	cadena	PROPN
fsr-4060	312	19	&	&	CCONJ
fsr-4060	312	20	keys	key	NOUN
fsr-4060	312	21	,	,	PUNCT
fsr-4060	312	22	2013	2013	NUM
fsr-4060	312	23	)	)	PUNCT
fsr-4060	312	24	and	and	CCONJ
fsr-4060	312	25	whether	whether	SCONJ
fsr-4060	312	26	students	student	NOUN
fsr-4060	312	27	over	over	ADP
fsr-4060	312	28	-	-	PUNCT
fsr-4060	312	29	borrow	borrow	VERB
fsr-4060	312	30	(	(	PUNCT
fsr-4060	312	31	avery	avery	PROPN
fsr-4060	312	32	&	&	CCONJ
fsr-4060	312	33	turner	turner	PROPN
fsr-4060	312	34	,	,	PUNCT
fsr-4060	312	35	2012	2012	NUM
fsr-4060	312	36	)	)	PUNCT
fsr-4060	312	37	,	,	PUNCT
fsr-4060	312	38	our	our	PRON
fsr-4060	312	39	findings	finding	NOUN
fsr-4060	312	40	showed	show	VERB
fsr-4060	312	41	that	that	SCONJ
fsr-4060	312	42	students	student	NOUN
fsr-4060	312	43	’	'	PUNCT
fsr-4060	312	44	willingness	willingness	NOUN
fsr-4060	312	45	to	to	PART
fsr-4060	312	46	borrow	borrow	VERB
fsr-4060	312	47	is	be	AUX
fsr-4060	312	48	aligned	align	VERB
fsr-4060	312	49	with	with	ADP
fsr-4060	312	50	the	the	DET
fsr-4060	312	51	directions	direction	NOUN
fsr-4060	312	52	from	from	ADP
fsr-4060	312	53	the	the	DET
fsr-4060	312	54	economic	economic	ADJ
fsr-4060	312	55	model	model	NOUN
fsr-4060	312	56	of	of	ADP
fsr-4060	312	57	cost	cost	NOUN
fsr-4060	312	58	and	and	CCONJ
fsr-4060	312	59	benefit	benefit	VERB
fsr-4060	312	60	analysis	analysis	NOUN
fsr-4060	312	61	.	.	PUNCT
fsr-4060	313	1	human	human	ADJ
fsr-4060	313	2	capital	capital	NOUN
fsr-4060	313	3	theory	theory	NOUN
fsr-4060	313	4	is	be	AUX
fsr-4060	313	5	based	base	VERB
fsr-4060	313	6	on	on	ADP
fsr-4060	313	7	the	the	DET
fsr-4060	313	8	economic	economic	ADJ
fsr-4060	313	9	assumption	assumption	NOUN
fsr-4060	313	10	that	that	SCONJ
fsr-4060	313	11	individuals	individual	NOUN
fsr-4060	313	12	are	be	AUX
fsr-4060	313	13	rational	rational	ADJ
fsr-4060	313	14	with	with	ADP
fsr-4060	313	15	full	full	ADJ
fsr-4060	313	16	information	information	NOUN
fsr-4060	313	17	.	.	PUNCT
fsr-4060	314	1	since	since	SCONJ
fsr-4060	314	2	our	our	PRON
fsr-4060	314	3	findings	finding	NOUN
fsr-4060	314	4	confirmed	confirm	VERB
fsr-4060	314	5	that	that	SCONJ
fsr-4060	314	6	college	college	NOUN
fsr-4060	314	7	students	student	NOUN
fsr-4060	314	8	’	'	PUNCT
fsr-4060	314	9	willingness	willingness	NOUN
fsr-4060	314	10	to	to	PART
fsr-4060	314	11	borrow	borrow	VERB
fsr-4060	314	12	reflects	reflect	VERB
fsr-4060	314	13	their	their	PRON
fsr-4060	314	14	rationale	rationale	NOUN
fsr-4060	314	15	given	give	VERB
fsr-4060	314	16	the	the	DET
fsr-4060	314	17	information	information	NOUN
fsr-4060	314	18	,	,	PUNCT
fsr-4060	314	19	accurate	accurate	ADJ
fsr-4060	314	20	information	information	NOUN
fsr-4060	314	21	needs	need	VERB
fsr-4060	314	22	to	to	PART
fsr-4060	314	23	be	be	AUX
fsr-4060	314	24	available	available	ADJ
fsr-4060	314	25	for	for	SCONJ
fsr-4060	314	26	students	student	NOUN
fsr-4060	314	27	to	to	PART
fsr-4060	314	28	make	make	VERB
fsr-4060	314	29	optimal	optimal	ADJ
fsr-4060	314	30	decisions	decision	NOUN
fsr-4060	314	31	on	on	ADP
fsr-4060	314	32	borrowing	borrowing	NOUN
fsr-4060	314	33	.	.	PUNCT
fsr-4060	315	1	evans	evans	PROPN
fsr-4060	315	2	and	and	CCONJ
fsr-4060	315	3	boatman	boatman	PROPN
fsr-4060	315	4	(	(	PUNCT
fsr-4060	315	5	2019	2019	NUM
fsr-4060	315	6	)	)	PUNCT
fsr-4060	315	7	found	find	VERB
fsr-4060	315	8	that	that	SCONJ
fsr-4060	315	9	providing	provide	VERB
fsr-4060	315	10	information	information	NOUN
fsr-4060	315	11	on	on	ADP
fsr-4060	315	12	income	income	NOUN
fsr-4060	315	13	-	-	PUNCT
fsr-4060	315	14	based	base	VERB
fsr-4060	315	15	repayment	repayment	NOUN
fsr-4060	315	16	options	option	NOUN
fsr-4060	315	17	to	to	ADP
fsr-4060	315	18	high	high	ADJ
fsr-4060	315	19	school	school	NOUN
fsr-4060	315	20	students	student	NOUN
fsr-4060	315	21	before	before	SCONJ
fsr-4060	315	22	they	they	PRON
fsr-4060	315	23	decide	decide	VERB
fsr-4060	315	24	on	on	ADP
fsr-4060	315	25	college	college	NOUN
fsr-4060	315	26	enrollment	enrollment	NOUN
fsr-4060	315	27	improved	improve	VERB
fsr-4060	315	28	the	the	DET
fsr-4060	315	29	likelihood	likelihood	NOUN
fsr-4060	315	30	of	of	ADP
fsr-4060	315	31	enrollment	enrollment	NOUN
fsr-4060	315	32	for	for	ADP
fsr-4060	315	33	populations	population	NOUN
fsr-4060	315	34	who	who	PRON
fsr-4060	315	35	are	be	AUX
fsr-4060	315	36	averse	averse	ADJ
fsr-4060	315	37	to	to	ADP
fsr-4060	315	38	borrowing	borrow	VERB
fsr-4060	315	39	.	.	PUNCT
fsr-4060	316	1	professionals	professional	NOUN
fsr-4060	316	2	advising	advise	VERB
fsr-4060	316	3	families	family	NOUN
fsr-4060	316	4	on	on	ADP
fsr-4060	316	5	college	college	NOUN
fsr-4060	316	6	planning	planning	NOUN
fsr-4060	316	7	can	can	AUX
fsr-4060	316	8	leverage	leverage	VERB
fsr-4060	316	9	tools	tool	NOUN
fsr-4060	316	10	like	like	ADP
fsr-4060	316	11	the	the	DET
fsr-4060	316	12	net	net	ADJ
fsr-4060	316	13	price	price	NOUN
fsr-4060	316	14	calculator	calculator	NOUN
fsr-4060	316	15	to	to	PART
fsr-4060	316	16	provide	provide	VERB
fsr-4060	316	17	comprehensive	comprehensive	ADJ
fsr-4060	316	18	guidance	guidance	NOUN
fsr-4060	316	19	(	(	PUNCT
fsr-4060	316	20	u.s	u.s	PROPN
fsr-4060	316	21	.	.	PROPN
fsr-4060	316	22	department	department	PROPN
fsr-4060	316	23	of	of	ADP
fsr-4060	316	24	education	education	PROPN
fsr-4060	316	25	,	,	PUNCT
fsr-4060	316	26	n.d	n.d	PROPN
fsr-4060	316	27	.	.	PROPN
fsr-4060	316	28	)	)	PUNCT
fsr-4060	316	29	.	.	PUNCT
fsr-4060	317	1	these	these	PRON
fsr-4060	317	2	provide	provide	VERB
fsr-4060	317	3	information	information	NOUN
fsr-4060	317	4	on	on	ADP
fsr-4060	317	5	net	net	ADJ
fsr-4060	317	6	price	price	NOUN
fsr-4060	317	7	that	that	PRON
fsr-4060	317	8	the	the	DET
fsr-4060	317	9	family	family	NOUN
fsr-4060	317	10	has	have	VERB
fsr-4060	317	11	to	to	PART
fsr-4060	317	12	pay	pay	VERB
fsr-4060	317	13	after	after	ADP
fsr-4060	317	14	accounting	account	VERB
fsr-4060	317	15	for	for	ADP
fsr-4060	317	16	the	the	DET
fsr-4060	317	17	scholarships	scholarship	NOUN
fsr-4060	317	18	and	and	CCONJ
fsr-4060	317	19	grants	grant	NOUN
fsr-4060	317	20	from	from	ADP
fsr-4060	317	21	the	the	DET
fsr-4060	317	22	sticker	sticker	NOUN
fsr-4060	317	23	price	price	NOUN
fsr-4060	317	24	.	.	PUNCT
fsr-4060	318	1	one	one	NUM
fsr-4060	318	2	study	study	NOUN
fsr-4060	318	3	found	find	VERB
fsr-4060	318	4	that	that	SCONJ
fsr-4060	318	5	there	there	PRON
fsr-4060	318	6	still	still	ADV
fsr-4060	318	7	exist	exist	VERB
fsr-4060	318	8	some	some	DET
fsr-4060	318	9	gaps	gap	NOUN
fsr-4060	318	10	between	between	ADP
fsr-4060	318	11	npc	npc	NOUN
fsr-4060	318	12	estimates	estimate	NOUN
fsr-4060	318	13	and	and	CCONJ
fsr-4060	318	14	actual	actual	ADJ
fsr-4060	318	15	costs	cost	NOUN
fsr-4060	318	16	due	due	ADP
fsr-4060	318	17	to	to	ADP
fsr-4060	318	18	the	the	DET
fsr-4060	318	19	variations	variation	NOUN
fsr-4060	318	20	in	in	ADP
fsr-4060	318	21	individual	individual	ADJ
fsr-4060	318	22	financial	financial	ADJ
fsr-4060	318	23	aid	aid	NOUN
fsr-4060	318	24	packages	package	NOUN
fsr-4060	318	25	,	,	PUNCT
fsr-4060	318	26	so	so	SCONJ
fsr-4060	318	27	some	some	DET
fsr-4060	318	28	caution	caution	NOUN
fsr-4060	318	29	is	be	AUX
fsr-4060	318	30	needed	need	VERB
fsr-4060	318	31	in	in	ADP
fsr-4060	318	32	accurately	accurately	ADV
fsr-4060	318	33	pricing	price	VERB
fsr-4060	318	34	an	an	DET
fsr-4060	318	35	individuals	individual	NOUN
fsr-4060	318	36	’	'	PUNCT
fsr-4060	318	37	educational	educational	ADJ
fsr-4060	318	38	costs	cost	NOUN
fsr-4060	318	39	(	(	PUNCT
fsr-4060	318	40	anthony	anthony	PROPN
fsr-4060	318	41	et	et	PROPN
fsr-4060	318	42	al	al	PROPN
fsr-4060	318	43	.	.	PROPN
fsr-4060	318	44	,	,	PUNCT
fsr-4060	318	45	2016	2016	NUM
fsr-4060	318	46	)	)	PUNCT
fsr-4060	318	47	.	.	PUNCT
fsr-4060	319	1	in	in	ADP
fsr-4060	319	2	addition	addition	NOUN
fsr-4060	319	3	to	to	ADP
fsr-4060	319	4	the	the	DET
fsr-4060	319	5	cost	cost	NOUN
fsr-4060	319	6	of	of	ADP
fsr-4060	319	7	attendance	attendance	NOUN
fsr-4060	319	8	,	,	PUNCT
fsr-4060	319	9	there	there	PRON
fsr-4060	319	10	are	be	VERB
fsr-4060	319	11	information	information	NOUN
fsr-4060	319	12	gaps	gap	NOUN
fsr-4060	319	13	in	in	ADP
fsr-4060	319	14	estimating	estimate	VERB
fsr-4060	319	15	the	the	DET
fsr-4060	319	16	benefits	benefit	NOUN
fsr-4060	319	17	from	from	ADP
fsr-4060	319	18	higher	high	ADJ
fsr-4060	319	19	education	education	NOUN
fsr-4060	319	20	as	as	ADV
fsr-4060	319	21	well	well	ADV
fsr-4060	319	22	.	.	PUNCT
fsr-4060	320	1	while	while	SCONJ
fsr-4060	320	2	median	median	ADJ
fsr-4060	320	3	earnings	earning	NOUN
fsr-4060	320	4	for	for	ADP
fsr-4060	320	5	those	those	PRON
fsr-4060	320	6	with	with	ADP
fsr-4060	320	7	a	a	DET
fsr-4060	320	8	bachelor	bachelor	NOUN
fsr-4060	320	9	’s	’s	PART
fsr-4060	320	10	degree	degree	NOUN
fsr-4060	320	11	are	be	AUX
fsr-4060	320	12	approximately	approximately	ADV
fsr-4060	320	13	$	$	SYM
fsr-4060	320	14	29,000	29,000	NUM
fsr-4060	320	15	more	more	ADJ
fsr-4060	320	16	than	than	ADP
fsr-4060	320	17	those	those	PRON
fsr-4060	320	18	with	with	ADP
fsr-4060	320	19	a	a	DET
fsr-4060	320	20	high	high	ADJ
fsr-4060	320	21	school	school	NOUN
fsr-4060	320	22	degree	degree	NOUN
fsr-4060	320	23	,	,	PUNCT
fsr-4060	320	24	considerable	considerable	ADJ
fsr-4060	320	25	heterogeneity	heterogeneity	NOUN
fsr-4060	320	26	exists	exist	VERB
fsr-4060	320	27	in	in	ADP
fsr-4060	320	28	incomes	income	NOUN
fsr-4060	320	29	of	of	ADP
fsr-4060	320	30	those	those	PRON
fsr-4060	320	31	with	with	ADP
fsr-4060	320	32	college	college	NOUN
fsr-4060	320	33	degrees	degree	NOUN
fsr-4060	320	34	(	(	PUNCT
fsr-4060	320	35	ma	ma	PROPN
fsr-4060	320	36	&	&	CCONJ
fsr-4060	320	37	pender	pender	PROPN
fsr-4060	320	38	,	,	PUNCT
fsr-4060	320	39	2023	2023	NUM
fsr-4060	320	40	)	)	PUNCT
fsr-4060	320	41	.	.	PUNCT
fsr-4060	321	1	for	for	ADP
fsr-4060	321	2	example	example	NOUN
fsr-4060	321	3	,	,	PUNCT
fsr-4060	321	4	in	in	ADP
fsr-4060	321	5	2018	2018	NUM
fsr-4060	321	6	and	and	CCONJ
fsr-4060	321	7	2019	2019	NUM
fsr-4060	321	8	,	,	PUNCT
fsr-4060	321	9	mid	mid	ADJ
fsr-4060	321	10	-	-	NOUN
fsr-4060	321	11	career	career	ADJ
fsr-4060	321	12	median	median	ADJ
fsr-4060	321	13	earnings	earning	NOUN
fsr-4060	321	14	were	be	AUX
fsr-4060	321	15	$	$	SYM
fsr-4060	321	16	43,700	43,700	NUM
fsr-4060	321	17	for	for	ADP
fsr-4060	321	18	early	early	ADJ
fsr-4060	321	19	childhood	childhood	NOUN
fsr-4060	321	20	education	education	NOUN
fsr-4060	321	21	majors	major	NOUN
fsr-4060	321	22	but	but	CCONJ
fsr-4060	321	23	they	they	PRON
fsr-4060	321	24	were	be	AUX
fsr-4060	321	25	$	$	SYM
fsr-4060	321	26	100,000	100,000	NUM
fsr-4060	321	27	for	for	ADP
fsr-4060	321	28	computer	computer	NOUN
fsr-4060	321	29	science	science	NOUN
fsr-4060	321	30	majors	major	NOUN
fsr-4060	321	31	(	(	PUNCT
fsr-4060	321	32	ma	ma	PROPN
fsr-4060	321	33	&	&	CCONJ
fsr-4060	321	34	pender	pender	PROPN
fsr-4060	321	35	,	,	PUNCT
fsr-4060	321	36	2023	2023	NUM
fsr-4060	321	37	)	)	PUNCT
fsr-4060	321	38	.	.	PUNCT
fsr-4060	322	1	detailed	detailed	ADJ
fsr-4060	322	2	information	information	NOUN
fsr-4060	322	3	not	not	PART
fsr-4060	322	4	only	only	ADV
fsr-4060	322	5	on	on	ADP
fsr-4060	322	6	the	the	DET
fsr-4060	322	7	cost	cost	NOUN
fsr-4060	322	8	but	but	CCONJ
fsr-4060	322	9	also	also	ADV
fsr-4060	322	10	on	on	ADP
fsr-4060	322	11	the	the	DET
fsr-4060	322	12	benefit	benefit	NOUN
fsr-4060	322	13	of	of	ADP
fsr-4060	322	14	college	college	NOUN
fsr-4060	322	15	degree	degree	NOUN
fsr-4060	322	16	will	will	AUX
fsr-4060	322	17	help	help	VERB
fsr-4060	322	18	students	student	NOUN
fsr-4060	322	19	make	make	VERB
fsr-4060	322	20	optimal	optimal	ADJ
fsr-4060	322	21	decisions	decision	NOUN
fsr-4060	322	22	regarding	regard	VERB
fsr-4060	322	23	college	college	NOUN
fsr-4060	322	24	enrollment	enrollment	NOUN
fsr-4060	322	25	,	,	PUNCT
fsr-4060	322	26	major	major	ADJ
fsr-4060	322	27	selection	selection	NOUN
fsr-4060	322	28	,	,	PUNCT
fsr-4060	322	29	and	and	CCONJ
fsr-4060	322	30	borrowing	borrowing	NOUN
fsr-4060	322	31	decisions	decision	NOUN
fsr-4060	322	32	.	.	PUNCT
fsr-4060	323	1	for	for	ADP
fsr-4060	323	2	professionals	professional	NOUN
fsr-4060	323	3	advising	advise	VERB
fsr-4060	323	4	students	student	NOUN
fsr-4060	323	5	and	and	CCONJ
fsr-4060	323	6	their	their	PRON
fsr-4060	323	7	families	family	NOUN
fsr-4060	323	8	,	,	PUNCT
fsr-4060	323	9	their	their	PRON
fsr-4060	323	10	expertise	expertise	NOUN
fsr-4060	323	11	should	should	AUX
fsr-4060	323	12	include	include	VERB
fsr-4060	323	13	realistic	realistic	ADJ
fsr-4060	323	14	income	income	NOUN
fsr-4060	323	15	projections	projection	NOUN
fsr-4060	323	16	based	base	VERB
fsr-4060	323	17	on	on	ADP
fsr-4060	323	18	chosen	choose	VERB
fsr-4060	323	19	majors	major	NOUN
fsr-4060	323	20	or	or	CCONJ
fsr-4060	323	21	fields	field	NOUN
fsr-4060	323	22	of	of	ADP
fsr-4060	323	23	study	study	NOUN
fsr-4060	323	24	along	along	ADP
fsr-4060	323	25	with	with	ADP
fsr-4060	323	26	long	long	ADJ
fsr-4060	323	27	-	-	PUNCT
fsr-4060	323	28	term	term	NOUN
fsr-4060	323	29	strategies	strategy	NOUN
fsr-4060	323	30	for	for	ADP
fsr-4060	323	31	managing	manage	VERB
fsr-4060	323	32	student	student	NOUN
fsr-4060	323	33	debt	debt	NOUN
fsr-4060	323	34	,	,	PUNCT
fsr-4060	323	35	incorporating	incorporate	VERB
fsr-4060	323	36	federal	federal	ADJ
fsr-4060	323	37	tax	tax	NOUN
fsr-4060	323	38	benefits	benefit	NOUN
fsr-4060	323	39	,	,	PUNCT
fsr-4060	323	40	income	income	NOUN
fsr-4060	323	41	-	-	PUNCT
fsr-4060	323	42	based	base	VERB
fsr-4060	323	43	repayment	repayment	NOUN
fsr-4060	323	44	options	option	NOUN
fsr-4060	323	45	.	.	PUNCT
fsr-4060	324	1	by	by	ADP
fsr-4060	324	2	integrating	integrate	VERB
fsr-4060	324	3	these	these	DET
fsr-4060	324	4	elements	element	NOUN
fsr-4060	324	5	,	,	PUNCT
fsr-4060	324	6	we	we	PRON
fsr-4060	324	7	can	can	AUX
fsr-4060	324	8	equip	equip	VERB
fsr-4060	324	9	students	student	NOUN
fsr-4060	324	10	and	and	CCONJ
fsr-4060	324	11	their	their	PRON
fsr-4060	324	12	families	family	NOUN
fsr-4060	324	13	with	with	ADP
fsr-4060	324	14	the	the	DET
fsr-4060	324	15	comprehensive	comprehensive	ADJ
fsr-4060	324	16	information	information	NOUN
fsr-4060	324	17	needed	need	VERB
fsr-4060	324	18	to	to	PART
fsr-4060	324	19	make	make	VERB
fsr-4060	324	20	informed	inform	VERB
fsr-4060	324	21	,	,	PUNCT
fsr-4060	324	22	rational	rational	ADJ
fsr-4060	324	23	decisions	decision	NOUN
fsr-4060	324	24	about	about	ADP
fsr-4060	324	25	higher	high	ADJ
fsr-4060	324	26	education	education	NOUN
fsr-4060	324	27	investments	investment	NOUN
fsr-4060	324	28	.	.	PUNCT
fsr-4060	325	1	the	the	DET
fsr-4060	325	2	results	result	NOUN
fsr-4060	325	3	confirm	confirm	VERB
fsr-4060	325	4	many	many	ADJ
fsr-4060	325	5	things	thing	NOUN
fsr-4060	325	6	as	as	SCONJ
fsr-4060	325	7	expected	expect	VERB
fsr-4060	325	8	,	,	PUNCT
fsr-4060	325	9	however	however	ADV
fsr-4060	325	10	there	there	PRON
fsr-4060	325	11	are	be	VERB
fsr-4060	325	12	bigger	big	ADJ
fsr-4060	325	13	questions	question	NOUN
fsr-4060	325	14	that	that	PRON
fsr-4060	325	15	need	need	VERB
fsr-4060	325	16	to	to	PART
fsr-4060	325	17	be	be	AUX
fsr-4060	325	18	investigated	investigate	VERB
fsr-4060	325	19	.	.	PUNCT
fsr-4060	326	1	the	the	DET
fsr-4060	326	2	first	first	ADJ
fsr-4060	326	3	question	question	NOUN
fsr-4060	326	4	concerns	concern	VERB
fsr-4060	326	5	college	college	NOUN
fsr-4060	326	6	access	access	NOUN
fsr-4060	326	7	.	.	PUNCT
fsr-4060	327	1	students	student	NOUN
fsr-4060	327	2	who	who	PRON
fsr-4060	327	3	enroll	enroll	VERB
fsr-4060	327	4	in	in	ADP
fsr-4060	327	5	college	college	NOUN
fsr-4060	327	6	seem	seem	VERB
fsr-4060	327	7	to	to	PART
fsr-4060	327	8	make	make	VERB
fsr-4060	327	9	rational	rational	ADJ
fsr-4060	327	10	borrowing	borrowing	NOUN
fsr-4060	327	11	decisions	decision	NOUN
fsr-4060	327	12	.	.	PUNCT
fsr-4060	328	1	but	but	CCONJ
fsr-4060	328	2	,	,	PUNCT
fsr-4060	328	3	what	what	PRON
fsr-4060	328	4	about	about	ADP
fsr-4060	328	5	the	the	DET
fsr-4060	328	6	students	student	NOUN
fsr-4060	328	7	who	who	PRON
fsr-4060	328	8	decide	decide	VERB
fsr-4060	328	9	not	not	PART
fsr-4060	328	10	to	to	PART
fsr-4060	328	11	enroll	enroll	VERB
fsr-4060	328	12	?	?	PUNCT
fsr-4060	329	1	the	the	DET
fsr-4060	329	2	finding	finding	NOUN
fsr-4060	329	3	that	that	SCONJ
fsr-4060	329	4	students	student	NOUN
fsr-4060	329	5	with	with	ADP
fsr-4060	329	6	lower	low	ADJ
fsr-4060	329	7	educational	educational	ADJ
fsr-4060	329	8	attainment	attainment	ADJ
fsr-4060	329	9	goals	goal	NOUN
fsr-4060	329	10	are	be	AUX
fsr-4060	329	11	less	less	ADV
fsr-4060	329	12	willing	willing	ADJ
fsr-4060	329	13	to	to	PART
fsr-4060	329	14	borrow	borrow	VERB
fsr-4060	329	15	might	might	AUX
fsr-4060	329	16	be	be	AUX
fsr-4060	329	17	rational	rational	ADJ
fsr-4060	329	18	given	give	VERB
fsr-4060	329	19	the	the	DET
fsr-4060	329	20	information	information	NOUN
fsr-4060	329	21	they	they	PRON
fsr-4060	329	22	are	be	AUX
fsr-4060	329	23	using	use	VERB
fsr-4060	329	24	to	to	PART
fsr-4060	329	25	make	make	VERB
fsr-4060	329	26	that	that	DET
fsr-4060	329	27	decision	decision	NOUN
fsr-4060	329	28	,	,	PUNCT
fsr-4060	329	29	but	but	CCONJ
fsr-4060	329	30	is	be	AUX
fsr-4060	329	31	that	that	SCONJ
fsr-4060	329	32	in	in	ADP
fsr-4060	329	33	their	their	PRON
fsr-4060	329	34	best	good	ADJ
fsr-4060	329	35	interest	interest	NOUN
fsr-4060	329	36	?	?	PUNCT
fsr-4060	330	1	are	be	AUX
fsr-4060	330	2	these	these	DET
fsr-4060	330	3	students	student	NOUN
fsr-4060	330	4	systematically	systematically	ADV
fsr-4060	330	5	underweighting	underweighte	VERB
fsr-4060	330	6	the	the	DET
fsr-4060	330	7	value	value	NOUN
fsr-4060	330	8	of	of	ADP
fsr-4060	330	9	a	a	DET
fsr-4060	330	10	degree	degree	NOUN
fsr-4060	330	11	,	,	PUNCT
fsr-4060	330	12	or	or	CCONJ
fsr-4060	330	13	making	make	VERB
fsr-4060	330	14	a	a	DET
fsr-4060	330	15	rational	rational	ADJ
fsr-4060	330	16	decision	decision	NOUN
fsr-4060	330	17	based	base	VERB
fsr-4060	330	18	on	on	ADP
fsr-4060	330	19	their	their	PRON
fsr-4060	330	20	career	career	NOUN
fsr-4060	330	21	goals	goal	NOUN
fsr-4060	330	22	and/or	and/or	CCONJ
fsr-4060	330	23	knowledge	knowledge	NOUN
fsr-4060	330	24	of	of	ADP
fsr-4060	330	25	the	the	DET
fsr-4060	330	26	declining	decline	VERB
fsr-4060	330	27	wage	wage	NOUN
fsr-4060	330	28	premium	premium	NOUN
fsr-4060	330	29	heckman	heckman	PROPN
fsr-4060	330	30	et	et	PROPN
fsr-4060	330	31	al	al	PROPN
fsr-4060	330	32	.	.	PROPN
fsr-4060	330	33	89	89	NUM
fsr-4060	330	34	(	(	PUNCT
fsr-4060	330	35	valletta	valletta	NOUN
fsr-4060	330	36	,	,	PUNCT
fsr-4060	330	37	2017	2017	NUM
fsr-4060	330	38	)	)	PUNCT
fsr-4060	330	39	?	?	PUNCT
fsr-4060	331	1	the	the	DET
fsr-4060	331	2	findings	finding	NOUN
fsr-4060	331	3	that	that	SCONJ
fsr-4060	331	4	socioeconomic	socioeconomic	ADJ
fsr-4060	331	5	factors	factor	NOUN
fsr-4060	331	6	are	be	AUX
fsr-4060	331	7	more	more	ADJ
fsr-4060	331	8	to	to	PART
fsr-4060	331	9	blame	blame	VERB
fsr-4060	331	10	for	for	ADP
fsr-4060	331	11	dropping	drop	VERB
fsr-4060	331	12	out	out	ADP
fsr-4060	331	13	of	of	ADP
fsr-4060	331	14	college	college	NOUN
fsr-4060	331	15	and	and	CCONJ
fsr-4060	331	16	aversion	aversion	NOUN
fsr-4060	331	17	to	to	ADP
fsr-4060	331	18	borrowing	borrowing	NOUN
fsr-4060	331	19	point	point	NOUN
fsr-4060	331	20	to	to	ADP
fsr-4060	331	21	a	a	DET
fsr-4060	331	22	potential	potential	ADJ
fsr-4060	331	23	problem	problem	NOUN
fsr-4060	331	24	.	.	PUNCT
fsr-4060	332	1	for	for	ADP
fsr-4060	332	2	example	example	NOUN
fsr-4060	332	3	,	,	PUNCT
fsr-4060	332	4	non	non	ADJ
fsr-4060	332	5	-	-	ADJ
fsr-4060	332	6	traditional	traditional	ADJ
fsr-4060	332	7	students	student	NOUN
fsr-4060	332	8	were	be	AUX
fsr-4060	332	9	found	find	VERB
fsr-4060	332	10	to	to	PART
fsr-4060	332	11	have	have	VERB
fsr-4060	332	12	lower	low	ADJ
fsr-4060	332	13	willingness	willingness	NOUN
fsr-4060	332	14	to	to	PART
fsr-4060	332	15	borrow	borrow	VERB
fsr-4060	332	16	in	in	ADP
fsr-4060	332	17	our	our	PRON
fsr-4060	332	18	analysis	analysis	NOUN
fsr-4060	332	19	.	.	PUNCT
fsr-4060	333	1	if	if	SCONJ
fsr-4060	333	2	the	the	DET
fsr-4060	333	3	goal	goal	NOUN
fsr-4060	333	4	of	of	ADP
fsr-4060	333	5	public	public	ADJ
fsr-4060	333	6	financing	financing	NOUN
fsr-4060	333	7	of	of	ADP
fsr-4060	333	8	education	education	NOUN
fsr-4060	333	9	is	be	AUX
fsr-4060	333	10	to	to	PART
fsr-4060	333	11	allow	allow	VERB
fsr-4060	333	12	for	for	ADP
fsr-4060	333	13	equal	equal	ADJ
fsr-4060	333	14	access	access	NOUN
fsr-4060	333	15	,	,	PUNCT
fsr-4060	333	16	then	then	ADV
fsr-4060	333	17	this	this	DET
fsr-4060	333	18	population	population	NOUN
fsr-4060	333	19	should	should	AUX
fsr-4060	333	20	be	be	AUX
fsr-4060	333	21	examined	examine	VERB
fsr-4060	333	22	more	more	ADV
fsr-4060	333	23	carefully	carefully	ADV
fsr-4060	333	24	and	and	CCONJ
fsr-4060	333	25	more	more	ADJ
fsr-4060	333	26	efforts	effort	NOUN
fsr-4060	333	27	should	should	AUX
fsr-4060	333	28	be	be	AUX
fsr-4060	333	29	spent	spend	VERB
fsr-4060	333	30	on	on	ADP
fsr-4060	333	31	which	which	PRON
fsr-4060	333	32	policy	policy	NOUN
fsr-4060	333	33	tools	tool	NOUN
fsr-4060	333	34	are	be	AUX
fsr-4060	333	35	effective	effective	ADJ
fsr-4060	333	36	to	to	PART
fsr-4060	333	37	assist	assist	VERB
fsr-4060	333	38	them	they	PRON
fsr-4060	333	39	to	to	PART
fsr-4060	333	40	make	make	VERB
fsr-4060	333	41	rational	rational	ADJ
fsr-4060	333	42	decisions	decision	NOUN
fsr-4060	333	43	on	on	ADP
fsr-4060	333	44	attending	attend	VERB
fsr-4060	333	45	and	and	CCONJ
fsr-4060	333	46	borrowing	borrow	VERB
fsr-4060	333	47	for	for	ADP
fsr-4060	333	48	colleges	college	NOUN
fsr-4060	333	49	.	.	PUNCT
fsr-4060	334	1	the	the	DET
fsr-4060	334	2	second	second	ADJ
fsr-4060	334	3	question	question	NOUN
fsr-4060	334	4	raised	raise	VERB
fsr-4060	334	5	by	by	ADP
fsr-4060	334	6	our	our	PRON
fsr-4060	334	7	results	result	NOUN
fsr-4060	334	8	concerns	concern	VERB
fsr-4060	334	9	persistence	persistence	NOUN
fsr-4060	334	10	.	.	PUNCT
fsr-4060	335	1	what	what	PRON
fsr-4060	335	2	if	if	SCONJ
fsr-4060	335	3	the	the	DET
fsr-4060	335	4	previously	previously	ADV
fsr-4060	335	5	‘	'	PUNCT
fsr-4060	335	6	rational	rational	ADJ
fsr-4060	335	7	’	'	PUNCT
fsr-4060	335	8	decision	decision	NOUN
fsr-4060	335	9	turns	turn	VERB
fsr-4060	335	10	out	out	ADP
fsr-4060	335	11	to	to	PART
fsr-4060	335	12	be	be	AUX
fsr-4060	335	13	sub	sub	ADJ
fsr-4060	335	14	-	-	ADJ
fsr-4060	335	15	optimal	optimal	ADJ
fsr-4060	335	16	when	when	SCONJ
fsr-4060	335	17	circumstances	circumstance	NOUN
fsr-4060	335	18	change	change	VERB
fsr-4060	335	19	?	?	PUNCT
fsr-4060	336	1	the	the	DET
fsr-4060	336	2	rise	rise	NOUN
fsr-4060	336	3	in	in	ADP
fsr-4060	336	4	past	past	ADJ
fsr-4060	336	5	due	due	ADJ
fsr-4060	336	6	balances	balance	NOUN
fsr-4060	336	7	and	and	CCONJ
fsr-4060	336	8	delinquency	delinquency	NOUN
fsr-4060	336	9	rates	rate	NOUN
fsr-4060	336	10	of	of	ADP
fsr-4060	336	11	student	student	NOUN
fsr-4060	336	12	loans	loan	NOUN
fsr-4060	336	13	(	(	PUNCT
fsr-4060	336	14	li	li	PROPN
fsr-4060	336	15	,	,	PUNCT
fsr-4060	336	16	2013	2013	NUM
fsr-4060	336	17	;	;	PUNCT
fsr-4060	336	18	muller	muller	PROPN
fsr-4060	336	19	&	&	CCONJ
fsr-4060	336	20	yannelis	yannelis	PROPN
fsr-4060	336	21	,	,	PUNCT
fsr-4060	336	22	2019	2019	NUM
fsr-4060	336	23	)	)	PUNCT
fsr-4060	336	24	casts	cast	VERB
fsr-4060	336	25	doubt	doubt	NOUN
fsr-4060	336	26	on	on	ADP
fsr-4060	336	27	previously	previously	ADV
fsr-4060	336	28	‘	'	PUNCT
fsr-4060	336	29	rational	rational	ADJ
fsr-4060	336	30	’	'	PUNCT
fsr-4060	336	31	borrowing	borrowing	NOUN
fsr-4060	336	32	decisions	decision	NOUN
fsr-4060	336	33	.	.	PUNCT
fsr-4060	337	1	for	for	ADP
fsr-4060	337	2	example	example	NOUN
fsr-4060	337	3	,	,	PUNCT
fsr-4060	337	4	the	the	DET
fsr-4060	337	5	sharp	sharp	ADJ
fsr-4060	337	6	increase	increase	NOUN
fsr-4060	337	7	in	in	ADP
fsr-4060	337	8	the	the	DET
fsr-4060	337	9	direct	direct	ADJ
fsr-4060	337	10	cost	cost	NOUN
fsr-4060	337	11	for	for	ADP
fsr-4060	337	12	education	education	NOUN
fsr-4060	337	13	,	,	PUNCT
fsr-4060	337	14	depressed	depressed	ADJ
fsr-4060	337	15	future	future	ADJ
fsr-4060	337	16	job	job	NOUN
fsr-4060	337	17	market	market	NOUN
fsr-4060	337	18	,	,	PUNCT
fsr-4060	337	19	or	or	CCONJ
fsr-4060	337	20	losing	lose	VERB
fsr-4060	337	21	current	current	ADJ
fsr-4060	337	22	income	income	NOUN
fsr-4060	337	23	or	or	CCONJ
fsr-4060	337	24	financial	financial	ADJ
fsr-4060	337	25	support	support	NOUN
fsr-4060	337	26	can	can	AUX
fsr-4060	337	27	make	make	VERB
fsr-4060	337	28	college	college	NOUN
fsr-4060	337	29	students	student	NOUN
fsr-4060	337	30	feel	feel	VERB
fsr-4060	337	31	that	that	SCONJ
fsr-4060	337	32	completing	complete	VERB
fsr-4060	337	33	their	their	PRON
fsr-4060	337	34	undergraduate	undergraduate	NOUN
fsr-4060	337	35	degrees	degree	NOUN
fsr-4060	337	36	is	be	AUX
fsr-4060	337	37	no	no	ADV
fsr-4060	337	38	longer	long	ADV
fsr-4060	337	39	a	a	DET
fsr-4060	337	40	good	good	ADJ
fsr-4060	337	41	investment	investment	NOUN
fsr-4060	337	42	.	.	PUNCT
fsr-4060	338	1	those	those	PRON
fsr-4060	338	2	who	who	PRON
fsr-4060	338	3	already	already	ADV
fsr-4060	338	4	borrowed	borrow	VERB
fsr-4060	338	5	heavily	heavily	ADV
fsr-4060	338	6	for	for	ADP
fsr-4060	338	7	their	their	PRON
fsr-4060	338	8	college	college	NOUN
fsr-4060	338	9	education	education	NOUN
fsr-4060	338	10	may	may	AUX
fsr-4060	338	11	be	be	AUX
fsr-4060	338	12	struggling	struggle	VERB
fsr-4060	338	13	with	with	ADP
fsr-4060	338	14	financial	financial	ADJ
fsr-4060	338	15	stress	stress	NOUN
fsr-4060	338	16	and	and	CCONJ
fsr-4060	338	17	may	may	AUX
fsr-4060	338	18	fail	fail	VERB
fsr-4060	338	19	to	to	PART
fsr-4060	338	20	persist	persist	VERB
fsr-4060	338	21	.	.	PUNCT
fsr-4060	339	1	even	even	ADV
fsr-4060	339	2	if	if	SCONJ
fsr-4060	339	3	they	they	PRON
fsr-4060	339	4	persist	persist	VERB
fsr-4060	339	5	,	,	PUNCT
fsr-4060	339	6	the	the	DET
fsr-4060	339	7	debt	debt	NOUN
fsr-4060	339	8	burden	burden	NOUN
fsr-4060	339	9	may	may	AUX
fsr-4060	339	10	impact	impact	VERB
fsr-4060	339	11	students	student	NOUN
fsr-4060	339	12	’	'	PUNCT
fsr-4060	339	13	post	post	ADJ
fsr-4060	339	14	-	-	ADJ
fsr-4060	339	15	graduation	graduation	ADJ
fsr-4060	339	16	plans	plan	NOUN
fsr-4060	339	17	(	(	PUNCT
fsr-4060	339	18	valez	valez	NOUN
fsr-4060	339	19	et	et	PROPN
fsr-4060	339	20	al	al	PROPN
fsr-4060	339	21	.	.	PROPN
fsr-4060	339	22	,	,	PUNCT
fsr-4060	339	23	bentz	bentz	PROPN
fsr-4060	339	24	,	,	PUNCT
fsr-4060	339	25	2019	2019	NUM
fsr-4060	339	26	)	)	PUNCT
fsr-4060	339	27	.	.	PUNCT
fsr-4060	340	1	for	for	ADP
fsr-4060	340	2	those	those	PRON
fsr-4060	340	3	who	who	PRON
fsr-4060	340	4	decided	decide	VERB
fsr-4060	340	5	to	to	PART
fsr-4060	340	6	enroll	enroll	VERB
fsr-4060	340	7	based	base	VERB
fsr-4060	340	8	on	on	ADP
fsr-4060	340	9	their	their	PRON
fsr-4060	340	10	original	original	ADJ
fsr-4060	340	11	rationale	rationale	NOUN
fsr-4060	340	12	,	,	PUNCT
fsr-4060	340	13	more	more	ADJ
fsr-4060	340	14	attention	attention	NOUN
fsr-4060	340	15	is	be	AUX
fsr-4060	340	16	needed	need	VERB
fsr-4060	340	17	when	when	SCONJ
fsr-4060	340	18	the	the	DET
fsr-4060	340	19	circumstances	circumstance	NOUN
fsr-4060	340	20	related	relate	VERB
fsr-4060	340	21	with	with	ADP
fsr-4060	340	22	borrowing	borrowing	NOUN
fsr-4060	340	23	decisions	decision	NOUN
fsr-4060	340	24	change	change	VERB
fsr-4060	340	25	.	.	PUNCT
fsr-4060	341	1	on	on	ADP
fsr-4060	341	2	top	top	NOUN
fsr-4060	341	3	of	of	ADP
fsr-4060	341	4	all	all	PRON
fsr-4060	341	5	of	of	ADP
fsr-4060	341	6	this	this	PRON
fsr-4060	341	7	are	be	AUX
fsr-4060	341	8	the	the	DET
fsr-4060	341	9	recent	recent	ADJ
fsr-4060	341	10	policy	policy	NOUN
fsr-4060	341	11	decisions	decision	NOUN
fsr-4060	341	12	affecting	affect	VERB
fsr-4060	341	13	student	student	NOUN
fsr-4060	341	14	loans	loan	NOUN
fsr-4060	341	15	since	since	SCONJ
fsr-4060	341	16	the	the	DET
fsr-4060	341	17	start	start	NOUN
fsr-4060	341	18	of	of	ADP
fsr-4060	341	19	the	the	DET
fsr-4060	341	20	pandemic	pandemic	NOUN
fsr-4060	341	21	including	include	VERB
fsr-4060	341	22	the	the	DET
fsr-4060	341	23	repayment	repayment	NOUN
fsr-4060	341	24	pause	pause	NOUN
fsr-4060	341	25	,	,	PUNCT
fsr-4060	341	26	restarting	restart	VERB
fsr-4060	341	27	payments	payment	NOUN
fsr-4060	341	28	in	in	ADP
fsr-4060	341	29	2023	2023	NUM
fsr-4060	341	30	,	,	PUNCT
fsr-4060	341	31	and	and	CCONJ
fsr-4060	341	32	the	the	DET
fsr-4060	341	33	save	save	NOUN
fsr-4060	341	34	plan	plan	NOUN
fsr-4060	341	35	introduced	introduce	VERB
fsr-4060	341	36	in	in	ADP
fsr-4060	341	37	2023	2023	NUM
fsr-4060	341	38	.	.	PUNCT
fsr-4060	342	1	these	these	DET
fsr-4060	342	2	changes	change	NOUN
fsr-4060	342	3	and	and	CCONJ
fsr-4060	342	4	the	the	DET
fsr-4060	342	5	inherent	inherent	ADJ
fsr-4060	342	6	complexity	complexity	NOUN
fsr-4060	342	7	of	of	ADP
fsr-4060	342	8	the	the	DET
fsr-4060	342	9	student	student	NOUN
fsr-4060	342	10	loan	loan	NOUN
fsr-4060	342	11	system	system	NOUN
fsr-4060	342	12	in	in	ADP
fsr-4060	342	13	the	the	DET
fsr-4060	342	14	u.s	u.s	PROPN
fsr-4060	342	15	.	.	PROPN
fsr-4060	342	16	may	may	AUX
fsr-4060	342	17	be	be	AUX
fsr-4060	342	18	leading	lead	VERB
fsr-4060	342	19	to	to	ADP
fsr-4060	342	20	a	a	DET
fsr-4060	342	21	sense	sense	NOUN
fsr-4060	342	22	of	of	ADP
fsr-4060	342	23	overwhelm	overwhelm	NOUN
fsr-4060	342	24	and	and	CCONJ
fsr-4060	342	25	confusion	confusion	NOUN
fsr-4060	342	26	for	for	ADP
fsr-4060	342	27	borrowers	borrower	NOUN
fsr-4060	342	28	.	.	PUNCT
fsr-4060	343	1	college	college	NOUN
fsr-4060	343	2	enrollments	enrollment	NOUN
fsr-4060	343	3	have	have	AUX
fsr-4060	343	4	been	be	AUX
fsr-4060	343	5	decreasing	decrease	VERB
fsr-4060	343	6	since	since	SCONJ
fsr-4060	343	7	their	their	PRON
fsr-4060	343	8	peak	peak	NOUN
fsr-4060	343	9	in	in	ADP
fsr-4060	343	10	2013	2013	NUM
fsr-4060	343	11	(	(	PUNCT
fsr-4060	343	12	national	national	ADJ
fsr-4060	343	13	student	student	NOUN
fsr-4060	343	14	clearinghouse	clearinghouse	NOUN
fsr-4060	343	15	,	,	PUNCT
fsr-4060	343	16	2017	2017	NUM
fsr-4060	343	17	)	)	PUNCT
fsr-4060	343	18	.	.	PUNCT
fsr-4060	344	1	while	while	SCONJ
fsr-4060	344	2	this	this	DET
fsr-4060	344	3	trend	trend	NOUN
fsr-4060	344	4	might	might	AUX
fsr-4060	344	5	be	be	AUX
fsr-4060	344	6	due	due	ADJ
fsr-4060	344	7	to	to	ADP
fsr-4060	344	8	economic	economic	ADJ
fsr-4060	344	9	conditions	condition	NOUN
fsr-4060	344	10	such	such	ADJ
fsr-4060	344	11	as	as	ADP
fsr-4060	344	12	job	job	NOUN
fsr-4060	344	13	growth	growth	NOUN
fsr-4060	344	14	,	,	PUNCT
fsr-4060	344	15	it	it	PRON
fsr-4060	344	16	might	might	AUX
fsr-4060	344	17	also	also	ADV
fsr-4060	344	18	be	be	AUX
fsr-4060	344	19	due	due	ADJ
fsr-4060	344	20	to	to	ADP
fsr-4060	344	21	growing	grow	VERB
fsr-4060	344	22	education	education	NOUN
fsr-4060	344	23	costs	cost	NOUN
fsr-4060	344	24	and	and	CCONJ
fsr-4060	344	25	reluctance	reluctance	NOUN
fsr-4060	344	26	to	to	PART
fsr-4060	344	27	take	take	VERB
fsr-4060	344	28	on	on	ADP
fsr-4060	344	29	debt	debt	NOUN
fsr-4060	344	30	.	.	PUNCT
fsr-4060	345	1	this	this	DET
fsr-4060	345	2	space	space	NOUN
fsr-4060	345	3	should	should	AUX
fsr-4060	345	4	be	be	AUX
fsr-4060	345	5	watched	watch	VERB
fsr-4060	345	6	closely	closely	ADV
fsr-4060	345	7	,	,	PUNCT
fsr-4060	345	8	particularly	particularly	ADV
fsr-4060	345	9	by	by	ADP
fsr-4060	345	10	those	those	PRON
fsr-4060	345	11	in	in	ADP
fsr-4060	345	12	public	public	ADJ
fsr-4060	345	13	policy	policy	NOUN
fsr-4060	345	14	.	.	PUNCT
fsr-4060	346	1	if	if	SCONJ
fsr-4060	346	2	post	post	ADJ
fsr-4060	346	3	-	-	ADJ
fsr-4060	346	4	secondary	secondary	ADJ
fsr-4060	346	5	education	education	NOUN
fsr-4060	346	6	becomes	become	VERB
fsr-4060	346	7	too	too	ADV
fsr-4060	346	8	expensive	expensive	ADJ
fsr-4060	346	9	for	for	ADP
fsr-4060	346	10	potential	potential	ADJ
fsr-4060	346	11	students	student	NOUN
fsr-4060	346	12	,	,	PUNCT
fsr-4060	346	13	then	then	ADV
fsr-4060	346	14	the	the	DET
fsr-4060	346	15	mechanisms	mechanism	NOUN
fsr-4060	346	16	used	use	VERB
fsr-4060	346	17	to	to	PART
fsr-4060	346	18	support	support	VERB
fsr-4060	346	19	higher	high	ADJ
fsr-4060	346	20	education	education	NOUN
fsr-4060	346	21	ought	ought	AUX
fsr-4060	346	22	to	to	PART
fsr-4060	346	23	be	be	AUX
fsr-4060	346	24	revisited	revisit	VERB
fsr-4060	346	25	.	.	PUNCT
fsr-4060	347	1	this	this	PRON
fsr-4060	347	2	might	might	AUX
fsr-4060	347	3	be	be	AUX
fsr-4060	347	4	through	through	ADP
fsr-4060	347	5	increasing	increase	VERB
fsr-4060	347	6	public	public	ADJ
fsr-4060	347	7	expenditures	expenditure	NOUN
fsr-4060	347	8	,	,	PUNCT
fsr-4060	347	9	restructuring	restructure	VERB
fsr-4060	347	10	loan	loan	NOUN
fsr-4060	347	11	programs	program	NOUN
fsr-4060	347	12	,	,	PUNCT
fsr-4060	347	13	reigning	reign	VERB
fsr-4060	347	14	in	in	ADP
fsr-4060	347	15	costs	cost	NOUN
fsr-4060	347	16	,	,	PUNCT
fsr-4060	347	17	or	or	CCONJ
fsr-4060	347	18	making	make	VERB
fsr-4060	347	19	some	some	DET
fsr-4060	347	20	post	post	ADJ
fsr-4060	347	21	-	-	ADJ
fsr-4060	347	22	secondary	secondary	ADJ
fsr-4060	347	23	education	education	NOUN
fsr-4060	347	24	,	,	PUNCT
fsr-4060	347	25	like	like	ADP
fsr-4060	347	26	community	community	NOUN
fsr-4060	347	27	college	college	NOUN
fsr-4060	347	28	,	,	PUNCT
fsr-4060	347	29	free	free	ADJ
fsr-4060	347	30	for	for	ADP
fsr-4060	347	31	all	all	DET
fsr-4060	347	32	students	student	NOUN
fsr-4060	347	33	.	.	PUNCT
fsr-4060	348	1	if	if	SCONJ
fsr-4060	348	2	the	the	DET
fsr-4060	348	3	problem	problem	NOUN
fsr-4060	348	4	is	be	AUX
fsr-4060	348	5	one	one	NUM
fsr-4060	348	6	of	of	ADP
fsr-4060	348	7	risk	risk	NOUN
fsr-4060	348	8	aversion	aversion	NOUN
fsr-4060	348	9	,	,	PUNCT
fsr-4060	348	10	then	then	ADV
fsr-4060	348	11	educating	educate	VERB
fsr-4060	348	12	students	student	NOUN
fsr-4060	348	13	on	on	ADP
fsr-4060	348	14	the	the	DET
fsr-4060	348	15	specifics	specific	NOUN
fsr-4060	348	16	of	of	ADP
fsr-4060	348	17	student	student	NOUN
fsr-4060	348	18	loans	loan	NOUN
fsr-4060	348	19	,	,	PUNCT
fsr-4060	348	20	such	such	ADJ
fsr-4060	348	21	as	as	ADP
fsr-4060	348	22	repayment	repayment	NOUN
fsr-4060	348	23	options	option	NOUN
fsr-4060	348	24	,	,	PUNCT
fsr-4060	348	25	might	might	AUX
fsr-4060	348	26	help	help	VERB
fsr-4060	348	27	alleviate	alleviate	VERB
fsr-4060	348	28	concerns	concern	NOUN
fsr-4060	348	29	.	.	PUNCT
fsr-4060	349	1	references	reference	NOUN
fsr-4060	349	2	alstadsæter	alstadsæter	ADV
fsr-4060	349	3	,	,	PUNCT
fsr-4060	349	4	a.	a.	NOUN
fsr-4060	349	5	(	(	PUNCT
fsr-4060	349	6	2010	2010	NUM
fsr-4060	349	7	)	)	PUNCT
fsr-4060	349	8	.	.	PUNCT
fsr-4060	350	1	measuring	measure	VERB
fsr-4060	350	2	the	the	DET
fsr-4060	350	3	consumption	consumption	NOUN
fsr-4060	350	4	value	value	NOUN
fsr-4060	350	5	of	of	ADP
fsr-4060	350	6	higher	high	ADJ
fsr-4060	350	7	education	education	NOUN
fsr-4060	350	8	.	.	PUNCT
fsr-4060	351	1	cesifo	cesifo	PROPN
fsr-4060	351	2	economic	economic	ADJ
fsr-4060	351	3	studies	study	NOUN
fsr-4060	351	4	,	,	PUNCT
fsr-4060	351	5	57(3	57(3	NUM
fsr-4060	351	6	)	)	PUNCT
fsr-4060	351	7	,	,	PUNCT
fsr-4060	351	8	458479	458479	NUM
fsr-4060	351	9	.	.	PUNCT
fsr-4060	352	1	anthony	anthony	PROPN
fsr-4060	352	2	,	,	PUNCT
fsr-4060	352	3	a.	a.	NOUN
fsr-4060	352	4	m.	m.	NOUN
fsr-4060	352	5	,	,	PUNCT
fsr-4060	352	6	page	page	NOUN
fsr-4060	352	7	,	,	PUNCT
fsr-4060	352	8	l.	l.	PROPN
fsr-4060	352	9	c.	c.	PROPN
fsr-4060	352	10	,	,	PUNCT
fsr-4060	352	11	&	&	CCONJ
fsr-4060	352	12	seldin	seldin	PROPN
fsr-4060	352	13	,	,	PUNCT
fsr-4060	352	14	a.	a.	NOUN
fsr-4060	352	15	(	(	PUNCT
fsr-4060	352	16	2016	2016	NUM
fsr-4060	352	17	)	)	PUNCT
fsr-4060	352	18	.	.	PUNCT
fsr-4060	353	1	in	in	ADP
fsr-4060	353	2	the	the	DET
fsr-4060	353	3	right	right	ADJ
fsr-4060	353	4	ballpark	ballpark	NOUN
fsr-4060	353	5	?	?	PUNCT
fsr-4060	354	1	assessing	assess	VERB
fsr-4060	354	2	the	the	DET
fsr-4060	354	3	accuracy	accuracy	NOUN
fsr-4060	354	4	of	of	ADP
fsr-4060	354	5	net	net	ADJ
fsr-4060	354	6	price	price	NOUN
fsr-4060	354	7	calculators	calculator	NOUN
fsr-4060	354	8	.	.	PUNCT
fsr-4060	355	1	journal	journal	PROPN
fsr-4060	355	2	of	of	ADP
fsr-4060	355	3	student	student	NOUN
fsr-4060	355	4	financial	financial	ADJ
fsr-4060	355	5	aid	aid	NOUN
fsr-4060	355	6	,	,	PUNCT
fsr-4060	355	7	46(2	46(2	NOUN
fsr-4060	355	8	)	)	PUNCT
fsr-4060	355	9	,	,	PUNCT
fsr-4060	355	10	25	25	NUM
fsr-4060	355	11	-	-	SYM
fsr-4060	355	12	50	50	NUM
fsr-4060	355	13	.	.	PUNCT
fsr-4060	356	1	avery	avery	PROPN
fsr-4060	356	2	,	,	PUNCT
fsr-4060	356	3	c.	c.	PROPN
fsr-4060	356	4	,	,	PUNCT
fsr-4060	356	5	&	&	CCONJ
fsr-4060	356	6	turner	turner	PROPN
fsr-4060	356	7	,	,	PUNCT
fsr-4060	356	8	s.	s.	PROPN
fsr-4060	356	9	(	(	PUNCT
fsr-4060	356	10	2012	2012	NUM
fsr-4060	356	11	)	)	PUNCT
fsr-4060	356	12	.	.	PUNCT
fsr-4060	357	1	student	student	NOUN
fsr-4060	357	2	loans	loan	NOUN
fsr-4060	357	3	:	:	PUNCT
fsr-4060	357	4	do	do	AUX
fsr-4060	357	5	college	college	NOUN
fsr-4060	357	6	students	student	NOUN
fsr-4060	357	7	borrow	borrow	VERB
fsr-4060	357	8	too	too	ADV
fsr-4060	357	9	much	much	ADV
fsr-4060	357	10	-	-	PUNCT
fsr-4060	357	11	or	or	CCONJ
fsr-4060	357	12	not	not	PART
fsr-4060	357	13	enough	enough	ADJ
fsr-4060	357	14	?	?	PUNCT
fsr-4060	358	1	journal	journal	NOUN
fsr-4060	358	2	of	of	ADP
fsr-4060	358	3	economic	economic	ADJ
fsr-4060	358	4	perspectives	perspective	NOUN
fsr-4060	358	5	,	,	PUNCT
fsr-4060	358	6	26(1	26(1	NUM
fsr-4060	358	7	)	)	PUNCT
fsr-4060	358	8	,	,	PUNCT
fsr-4060	358	9	165	165	NUM
fsr-4060	358	10	-	-	SYM
fsr-4060	358	11	192	192	NUM
fsr-4060	358	12	.	.	PUNCT
fsr-4060	358	13	doi:10.1257	doi:10.1257	NOUN
fsr-4060	358	14	/	/	SYM
fsr-4060	358	15	jep.26.1.165	jep.26.1.165	PROPN
fsr-4060	358	16	baum	baum	PROPN
fsr-4060	358	17	,	,	PUNCT
fsr-4060	358	18	s.	s.	PROPN
fsr-4060	358	19	,	,	PUNCT
fsr-4060	358	20	&	&	CCONJ
fsr-4060	358	21	payea	payea	PROPN
fsr-4060	358	22	,	,	PUNCT
fsr-4060	358	23	k.	k.	PROPN
fsr-4060	358	24	(	(	PUNCT
fsr-4060	358	25	2012	2012	NUM
fsr-4060	358	26	)	)	PUNCT
fsr-4060	358	27	.	.	PUNCT
fsr-4060	359	1	trends	trend	NOUN
fsr-4060	359	2	in	in	ADP
fsr-4060	359	3	student	student	NOUN
fsr-4060	359	4	aid	aid	NOUN
fsr-4060	359	5	2012	2012	NUM
fsr-4060	359	6	.	.	PUNCT
fsr-4060	360	1	the	the	DET
fsr-4060	360	2	college	college	PROPN
fsr-4060	360	3	board	board	PROPN
fsr-4060	360	4	.	.	PUNCT
fsr-4060	361	1	baum	baum	PROPN
fsr-4060	361	2	,	,	PUNCT
fsr-4060	361	3	s.	s.	PROPN
fsr-4060	361	4	,	,	PUNCT
fsr-4060	361	5	&	&	CCONJ
fsr-4060	361	6	schwartz	schwartz	PROPN
fsr-4060	361	7	,	,	PUNCT
fsr-4060	361	8	s.	s.	PROPN
fsr-4060	361	9	(	(	PUNCT
fsr-4060	361	10	2015	2015	NUM
fsr-4060	361	11	)	)	PUNCT
fsr-4060	361	12	.	.	PUNCT
fsr-4060	362	1	student	student	NOUN
fsr-4060	362	2	aid	aid	NOUN
fsr-4060	362	3	,	,	PUNCT
fsr-4060	362	4	student	student	NOUN
fsr-4060	362	5	behavior	behavior	NOUN
fsr-4060	362	6	,	,	PUNCT
fsr-4060	362	7	and	and	CCONJ
fsr-4060	362	8	educational	educational	ADJ
fsr-4060	362	9	attainment	attainment	NOUN
fsr-4060	362	10	.	.	PUNCT
fsr-4060	363	1	in	in	ADP
fsr-4060	363	2	a.a	a.a	PROPN
fsr-4060	363	3	.	.	PROPN
fsr-4060	363	4	author	author	NOUN
fsr-4060	363	5	(	(	PUNCT
fsr-4060	363	6	ed	ed	NOUN
fsr-4060	363	7	.	.	PUNCT
fsr-4060	363	8	)	)	PUNCT
fsr-4060	363	9	,	,	PUNCT
fsr-4060	363	10	decision	decision	NOUN
fsr-4060	363	11	making	making	NOUN
fsr-4060	363	12	for	for	ADP
fsr-4060	363	13	student	student	NOUN
fsr-4060	363	14	success	success	NOUN
fsr-4060	363	15	(	(	PUNCT
fsr-4060	363	16	pp	pp	ADJ
fsr-4060	363	17	.	.	PUNCT
fsr-4060	363	18	38	38	NUM
fsr-4060	363	19	-	-	SYM
fsr-4060	363	20	62	62	NUM
fsr-4060	363	21	)	)	PUNCT
fsr-4060	363	22	.	.	PUNCT
fsr-4060	364	1	routledge	routledge	PROPN
fsr-4060	364	2	.	.	PROPN
fsr-4060	364	3	becker	becker	PROPN
fsr-4060	364	4	,	,	PUNCT
fsr-4060	364	5	g.	g.	PROPN
fsr-4060	364	6	(	(	PUNCT
fsr-4060	364	7	1964	1964	NUM
fsr-4060	364	8	)	)	PUNCT
fsr-4060	364	9	.	.	PUNCT
fsr-4060	365	1	human	human	ADJ
fsr-4060	365	2	capital	capital	NOUN
fsr-4060	365	3	.	.	PUNCT
fsr-4060	366	1	2nd	2nd	PROPN
fsr-4060	366	2	edition	edition	PROPN
fsr-4060	366	3	.	.	PUNCT
fsr-4060	367	1	columbia	columbia	PROPN
fsr-4060	367	2	university	university	PROPN
fsr-4060	367	3	press	press	NOUN
fsr-4060	367	4	.	.	PUNCT
fsr-4060	368	1	ben	ben	PROPN
fsr-4060	368	2	-	-	PUNCT
fsr-4060	368	3	porath	porath	PROPN
fsr-4060	368	4	,	,	PUNCT
fsr-4060	368	5	y.	y.	NOUN
fsr-4060	368	6	(	(	PUNCT
fsr-4060	368	7	1967	1967	NUM
fsr-4060	368	8	)	)	PUNCT
fsr-4060	368	9	.	.	PUNCT
fsr-4060	369	1	the	the	DET
fsr-4060	369	2	production	production	NOUN
fsr-4060	369	3	of	of	ADP
fsr-4060	369	4	human	human	ADJ
fsr-4060	369	5	capital	capital	NOUN
fsr-4060	369	6	and	and	CCONJ
fsr-4060	369	7	the	the	DET
fsr-4060	369	8	life	life	NOUN
fsr-4060	369	9	cycle	cycle	NOUN
fsr-4060	369	10	of	of	ADP
fsr-4060	369	11	earnings	earning	NOUN
fsr-4060	369	12	.	.	PUNCT
fsr-4060	370	1	the	the	DET
fsr-4060	370	2	journal	journal	NOUN
fsr-4060	370	3	of	of	ADP
fsr-4060	370	4	political	political	ADJ
fsr-4060	370	5	economy	economy	NOUN
fsr-4060	370	6	,	,	PUNCT
fsr-4060	370	7	75(4	75(4	NOUN
fsr-4060	370	8	)	)	PUNCT
fsr-4060	370	9	,	,	PUNCT
fsr-4060	370	10	352	352	NUM
fsr-4060	370	11	-	-	SYM
fsr-4060	370	12	365	365	NUM
fsr-4060	370	13	.	.	PUNCT
fsr-4060	370	14	boatman	boatman	NOUN
fsr-4060	370	15	,	,	PUNCT
fsr-4060	370	16	a.	a.	PROPN
fsr-4060	370	17	,	,	PUNCT
fsr-4060	370	18	&	&	CCONJ
fsr-4060	370	19	evans	evans	PROPN
fsr-4060	370	20	,	,	PUNCT
fsr-4060	370	21	b.	b.	PROPN
fsr-4060	370	22	j.	j.	PROPN
fsr-4060	370	23	(	(	PUNCT
fsr-4060	370	24	2017	2017	NUM
fsr-4060	370	25	)	)	PUNCT
fsr-4060	370	26	.	.	PUNCT
fsr-4060	371	1	how	how	SCONJ
fsr-4060	371	2	financial	financial	ADJ
fsr-4060	371	3	literacy	literacy	NOUN
fsr-4060	371	4	,	,	PUNCT
fsr-4060	371	5	federal	federal	ADJ
fsr-4060	371	6	aid	aid	NOUN
fsr-4060	371	7	knowledge	knowledge	NOUN
fsr-4060	371	8	,	,	PUNCT
fsr-4060	371	9	and	and	CCONJ
fsr-4060	371	10	credit	credit	NOUN
fsr-4060	371	11	market	market	NOUN
fsr-4060	371	12	experience	experience	NOUN
fsr-4060	371	13	predict	predict	VERB
fsr-4060	371	14	loan	loan	NOUN
fsr-4060	371	15	aversion	aversion	NOUN
fsr-4060	371	16	for	for	ADP
fsr-4060	371	17	education	education	NOUN
fsr-4060	371	18	.	.	PUNCT
fsr-4060	372	1	the	the	DET
fsr-4060	372	2	annals	annal	NOUN
fsr-4060	372	3	of	of	ADP
fsr-4060	372	4	the	the	DET
fsr-4060	372	5	american	american	PROPN
fsr-4060	372	6	academy	academy	PROPN
fsr-4060	372	7	of	of	ADP
fsr-4060	372	8	political	political	ADJ
fsr-4060	372	9	and	and	CCONJ
fsr-4060	372	10	social	social	ADJ
fsr-4060	372	11	science	science	NOUN
fsr-4060	372	12	,	,	PUNCT
fsr-4060	372	13	671(1	671(1	NUM
fsr-4060	372	14	)	)	PUNCT
fsr-4060	372	15	,	,	PUNCT
fsr-4060	372	16	49	49	NUM
fsr-4060	372	17	-	-	SYM
fsr-4060	372	18	68	68	NUM
fsr-4060	372	19	.	.	PUNCT
fsr-4060	372	20	boatman	boatman	NOUN
fsr-4060	372	21	,	,	PUNCT
fsr-4060	372	22	a.	a.	PROPN
fsr-4060	372	23	,	,	PUNCT
fsr-4060	372	24	evans	evans	PROPN
fsr-4060	372	25	,	,	PUNCT
fsr-4060	372	26	b.	b.	PROPN
fsr-4060	372	27	j.	j.	PROPN
fsr-4060	372	28	,	,	PUNCT
fsr-4060	372	29	&	&	CCONJ
fsr-4060	372	30	soliz	soliz	PROPN
fsr-4060	372	31	,	,	PUNCT
fsr-4060	372	32	a.	a.	NOUN
fsr-4060	372	33	(	(	PUNCT
fsr-4060	372	34	2017	2017	NUM
fsr-4060	372	35	)	)	PUNCT
fsr-4060	372	36	.	.	PUNCT
fsr-4060	373	1	understanding	understand	VERB
fsr-4060	373	2	loan	loan	NOUN
fsr-4060	373	3	aversion	aversion	NOUN
fsr-4060	373	4	in	in	ADP
fsr-4060	373	5	education	education	NOUN
fsr-4060	373	6	:	:	PUNCT
fsr-4060	373	7	evidence	evidence	NOUN
fsr-4060	373	8	from	from	ADP
fsr-4060	373	9	high	high	ADJ
fsr-4060	373	10	school	school	NOUN
fsr-4060	373	11	seniors	senior	NOUN
fsr-4060	373	12	,	,	PUNCT
fsr-4060	373	13	community	community	NOUN
fsr-4060	373	14	college	college	NOUN
fsr-4060	373	15	students	student	NOUN
fsr-4060	373	16	,	,	PUNCT
fsr-4060	373	17	and	and	CCONJ
fsr-4060	373	18	financial	financial	ADJ
fsr-4060	373	19	services	service	NOUN
fsr-4060	373	20	review	review	NOUN
fsr-4060	373	21	,	,	PUNCT
fsr-4060	373	22	33(2	33(2	NUM
fsr-4060	373	23	)	)	PUNCT
fsr-4060	373	24	90	90	NUM
fsr-4060	373	25	adults	adult	NOUN
fsr-4060	373	26	.	.	PUNCT
fsr-4060	374	1	aera	aera	PROPN
fsr-4060	374	2	open	open	PROPN
fsr-4060	374	3	,	,	PUNCT
fsr-4060	374	4	3(1	3(1	NUM
fsr-4060	374	5	)	)	PUNCT
fsr-4060	374	6	,	,	PUNCT
fsr-4060	374	7	doi	doi	NOUN
fsr-4060	374	8	:	:	PUNCT
fsr-4060	374	9	2332858416683649	2332858416683649	NUM
fsr-4060	374	10	.	.	PUNCT
fsr-4060	375	1	cadena	cadena	PROPN
fsr-4060	375	2	,	,	PUNCT
fsr-4060	375	3	b.	b.	PROPN
fsr-4060	375	4	c.	c.	PROPN
fsr-4060	375	5	,	,	PUNCT
fsr-4060	375	6	&	&	CCONJ
fsr-4060	375	7	keys	key	NOUN
fsr-4060	375	8	,	,	PUNCT
fsr-4060	375	9	b.	b.	PROPN
fsr-4060	375	10	j.	j.	PROPN
fsr-4060	375	11	(	(	PUNCT
fsr-4060	375	12	2013	2013	NUM
fsr-4060	375	13	)	)	PUNCT
fsr-4060	375	14	.	.	PUNCT
fsr-4060	376	1	can	can	AUX
fsr-4060	376	2	selfcontrol	selfcontrol	VERB
fsr-4060	376	3	explain	explain	VERB
fsr-4060	376	4	avoiding	avoid	VERB
fsr-4060	376	5	free	free	ADJ
fsr-4060	376	6	money	money	NOUN
fsr-4060	376	7	?	?	PUNCT
fsr-4060	377	1	evidence	evidence	NOUN
fsr-4060	377	2	frominterest	frominterest	ADV
fsr-4060	377	3	-	-	PUNCT
fsr-4060	377	4	free	free	ADJ
fsr-4060	377	5	student	student	NOUN
fsr-4060	377	6	loans	loan	NOUN
fsr-4060	377	7	.	.	PUNCT
fsr-4060	378	1	review	review	NOUN
fsr-4060	378	2	of	of	ADP
fsr-4060	378	3	economics	economic	NOUN
fsr-4060	378	4	and	and	CCONJ
fsr-4060	378	5	statistics	statistic	NOUN
fsr-4060	378	6	,	,	PUNCT
fsr-4060	378	7	95(4	95(4	NOUN
fsr-4060	378	8	)	)	PUNCT
fsr-4060	378	9	,	,	PUNCT
fsr-4060	378	10	1117	1117	NUM
fsr-4060	378	11	-	-	SYM
fsr-4060	378	12	1129	1129	NUM
fsr-4060	378	13	.	.	PUNCT
fsr-4060	379	1	cares	cares	PROPN
fsr-4060	379	2	act	act	PROPN
fsr-4060	379	3	,	,	PUNCT
fsr-4060	379	4	pub	pub	NOUN
fsr-4060	379	5	.	.	PUNCT
fsr-4060	380	1	l.	l.	PROPN
fsr-4060	380	2	no	no	INTJ
fsr-4060	380	3	.	.	PUNCT
fsr-4060	381	1	116–136	116–136	NUM
fsr-4060	381	2	,	,	PUNCT
fsr-4060	381	3	134	134	NUM
fsr-4060	381	4	stat	stat	NOUN
fsr-4060	381	5	.	.	PUNCT
fsr-4060	382	1	281	281	NUM
fsr-4060	382	2	(	(	PUNCT
fsr-4060	382	3	2020	2020	NUM
fsr-4060	382	4	)	)	PUNCT
fsr-4060	382	5	.	.	PUNCT
fsr-4060	383	1	carnevale	carnevale	NOUN
fsr-4060	383	2	,	,	PUNCT
fsr-4060	383	3	a.	a.	NOUN
fsr-4060	383	4	p.	p.	PROPN
fsr-4060	383	5	,	,	PUNCT
fsr-4060	383	6	cheah	cheah	PROPN
fsr-4060	383	7	,	,	PUNCT
fsr-4060	383	8	b.	b.	PROPN
fsr-4060	383	9	,	,	PUNCT
fsr-4060	383	10	&	&	CCONJ
fsr-4060	383	11	wenzinger	wenzinger	PROPN
fsr-4060	383	12	,	,	PUNCT
fsr-4060	383	13	e.	e.	PROPN
fsr-4060	383	14	(	(	PUNCT
fsr-4060	383	15	2021	2021	NUM
fsr-4060	383	16	)	)	PUNCT
fsr-4060	383	17	.	.	PUNCT
fsr-4060	384	1	the	the	DET
fsr-4060	384	2	college	college	NOUN
fsr-4060	384	3	payoff	payoff	NOUN
fsr-4060	384	4	:	:	PUNCT
fsr-4060	384	5	not	not	PART
fsr-4060	384	6	all	all	DET
fsr-4060	384	7	college	college	NOUN
fsr-4060	384	8	degrees	degree	NOUN
fsr-4060	384	9	are	be	AUX
fsr-4060	384	10	created	create	VERB
fsr-4060	384	11	equal	equal	ADJ
fsr-4060	384	12	.	.	PUNCT
fsr-4060	385	1	georgetown	georgetown	PROPN
fsr-4060	385	2	university	university	PROPN
fsr-4060	385	3	center	center	NOUN
fsr-4060	385	4	on	on	ADP
fsr-4060	385	5	education	education	NOUN
fsr-4060	385	6	and	and	CCONJ
fsr-4060	385	7	the	the	DET
fsr-4060	385	8	workforce	workforce	NOUN
fsr-4060	385	9	.	.	PUNCT
fsr-4060	386	1	retrieved	retrieve	VERB
fsr-4060	386	2	from	from	ADP
fsr-4060	386	3	https://cew.georgetown.edu/wpcontent/uploads/cewcollege_payoff_2021-fr.pdf	https://cew.georgetown.edu/wpcontent/uploads/cewcollege_payoff_2021-fr.pdf	PROPN
fsr-4060	386	4	cha	cha	PROPN
fsr-4060	386	5	,	,	PUNCT
fsr-4060	386	6	k.-w	k.-w	PROPN
fsr-4060	386	7	.	.	PROPN
fsr-4060	386	8	,	,	PUNCT
fsr-4060	386	9	&	&	CCONJ
fsr-4060	386	10	weagley	weagley	PROPN
fsr-4060	386	11	,	,	PUNCT
fsr-4060	386	12	r.	r.	PROPN
fsr-4060	386	13	o.	o.	PROPN
fsr-4060	386	14	(	(	PUNCT
fsr-4060	386	15	2002	2002	NUM
fsr-4060	386	16	)	)	PUNCT
fsr-4060	386	17	.	.	PUNCT
fsr-4060	387	1	higher	high	ADJ
fsr-4060	387	2	education	education	NOUN
fsr-4060	387	3	borrowing	borrowing	NOUN
fsr-4060	387	4	.	.	PUNCT
fsr-4060	388	1	financial	financial	ADJ
fsr-4060	388	2	counseling	counseling	NOUN
fsr-4060	388	3	and	and	CCONJ
fsr-4060	388	4	planning	planning	NOUN
fsr-4060	388	5	,	,	PUNCT
fsr-4060	388	6	13(1	13(1	NUM
fsr-4060	388	7	)	)	PUNCT
fsr-4060	388	8	,	,	PUNCT
fsr-4060	388	9	61–73	61–73	NUM
fsr-4060	388	10	.	.	PUNCT
fsr-4060	389	1	checchi	checchi	PROPN
fsr-4060	389	2	,	,	PUNCT
fsr-4060	389	3	d.	d.	PROPN
fsr-4060	389	4	(	(	PUNCT
fsr-4060	389	5	2006	2006	NUM
fsr-4060	389	6	)	)	PUNCT
fsr-4060	389	7	.	.	PUNCT
fsr-4060	390	1	the	the	DET
fsr-4060	390	2	economics	economic	NOUN
fsr-4060	390	3	of	of	ADP
fsr-4060	390	4	education	education	NOUN
fsr-4060	390	5	:	:	PUNCT
fsr-4060	390	6	human	human	ADJ
fsr-4060	390	7	capital	capital	NOUN
fsr-4060	390	8	,	,	PUNCT
fsr-4060	390	9	family	family	NOUN
fsr-4060	390	10	background	background	NOUN
fsr-4060	390	11	and	and	CCONJ
fsr-4060	390	12	inequality	inequality	NOUN
fsr-4060	390	13	.	.	PUNCT
fsr-4060	391	1	cambridge	cambridge	PROPN
fsr-4060	391	2	university	university	PROPN
fsr-4060	391	3	press	press	NOUN
fsr-4060	391	4	.	.	PUNCT
fsr-4060	392	1	college	college	NOUN
fsr-4060	392	2	board	board	PROPN
fsr-4060	392	3	.	.	PUNCT
fsr-4060	393	1	(	(	PUNCT
fsr-4060	393	2	2023	2023	NUM
fsr-4060	393	3	)	)	PUNCT
fsr-4060	393	4	.	.	PUNCT
fsr-4060	394	1	trends	trend	NOUN
fsr-4060	394	2	in	in	ADP
fsr-4060	394	3	college	college	NOUN
fsr-4060	394	4	pricing	pricing	NOUN
fsr-4060	394	5	and	and	CCONJ
fsr-4060	394	6	student	student	NOUN
fsr-4060	394	7	aid	aid	NOUN
fsr-4060	394	8	2023	2023	NUM
fsr-4060	394	9	.	.	PUNCT
fsr-4060	394	10	retrieved	retrieve	VERB
fsr-4060	394	11	from	from	ADP
fsr-4060	394	12	https://research.collegeboard.org/media/	https://research.collegeboard.org/media/	NOUN
fsr-4060	394	13	pdf	pdf	NOUN
fsr-4060	394	14	/	/	SYM
fsr-4060	394	15	trends%20report%202023%20upd	trends%20report%202023%20upd	NOUN
fsr-4060	394	16	ated.pdf	ated.pdf	PROPN
fsr-4060	394	17	cunningham	cunningham	PROPN
fsr-4060	394	18	,	,	PUNCT
fsr-4060	394	19	a.	a.	PROPN
fsr-4060	394	20	f.	f.	PROPN
fsr-4060	394	21	,	,	PUNCT
fsr-4060	394	22	&	&	CCONJ
fsr-4060	394	23	santiago	santiago	PROPN
fsr-4060	394	24	,	,	PUNCT
fsr-4060	394	25	d.	d.	PROPN
fsr-4060	394	26	a.	a.	PROPN
fsr-4060	394	27	(	(	PUNCT
fsr-4060	394	28	2008	2008	NUM
fsr-4060	394	29	)	)	PUNCT
fsr-4060	394	30	.	.	PUNCT
fsr-4060	395	1	student	student	NOUN
fsr-4060	395	2	aversion	aversion	NOUN
fsr-4060	395	3	to	to	ADP
fsr-4060	395	4	borrowing	borrowing	NOUN
fsr-4060	395	5	:	:	PUNCT
fsr-4060	395	6	who	who	PRON
fsr-4060	395	7	borrows	borrow	VERB
fsr-4060	395	8	and	and	CCONJ
fsr-4060	395	9	who	who	PRON
fsr-4060	395	10	does	do	VERB
fsr-4060	395	11	n't	not	PART
fsr-4060	395	12	.	.	PUNCT
fsr-4060	396	1	institute	institute	VERB
fsr-4060	396	2	for	for	ADP
fsr-4060	396	3	higher	high	ADJ
fsr-4060	396	4	education	education	NOUN
fsr-4060	396	5	policy	policy	NOUN
fsr-4060	396	6	.	.	PUNCT
fsr-4060	397	1	retrieved	retrieve	VERB
fsr-4060	397	2	from	from	ADP
fsr-4060	397	3	https://files.eric.ed.gov/fulltext/ed5036	https://files.eric.ed.gov/fulltext/ed5036	ADP
fsr-4060	397	4	84.pdf	84.pdf	PROPN
fsr-4060	397	5	daly	daly	PROPN
fsr-4060	397	6	,	,	PUNCT
fsr-4060	397	7	m.	m.	PROPN
fsr-4060	397	8	c.	c.	PROPN
fsr-4060	397	9	,	,	PUNCT
fsr-4060	397	10	buckman	buckman	PROPN
fsr-4060	397	11	,	,	PUNCT
fsr-4060	397	12	s.	s.	PROPN
fsr-4060	397	13	r.	r.	PROPN
fsr-4060	397	14	,	,	PUNCT
fsr-4060	397	15	&	&	CCONJ
fsr-4060	397	16	seitelman	seitelman	PROPN
fsr-4060	397	17	,	,	PUNCT
fsr-4060	397	18	l.	l.	PROPN
fsr-4060	397	19	m.	m.	PROPN
fsr-4060	397	20	(	(	PUNCT
fsr-4060	397	21	2020	2020	NUM
fsr-4060	397	22	)	)	PUNCT
fsr-4060	397	23	.	.	PUNCT
fsr-4060	398	1	the	the	DET
fsr-4060	398	2	unequal	unequal	ADJ
fsr-4060	398	3	impact	impact	NOUN
fsr-4060	398	4	of	of	ADP
fsr-4060	398	5	covid19	covid19	NOUN
fsr-4060	398	6	:	:	PUNCT
fsr-4060	398	7	why	why	SCONJ
fsr-4060	398	8	education	education	NOUN
fsr-4060	398	9	matters	matter	VERB
fsr-4060	398	10	.	.	PUNCT
fsr-4060	399	1	frbsf	frbsf	ADJ
fsr-4060	399	2	economic	economic	ADJ
fsr-4060	399	3	letter	letter	NOUN
fsr-4060	399	4	,	,	PUNCT
fsr-4060	399	5	17(5	17(5	NUM
fsr-4060	399	6	)	)	PUNCT
fsr-4060	399	7	,	,	PUNCT
fsr-4060	399	8	1	1	NUM
fsr-4060	399	9	-	-	SYM
fsr-4060	399	10	5	5	NUM
fsr-4060	399	11	.	.	PUNCT
fsr-4060	399	12	damon	damon	PROPN
fsr-4060	399	13	,	,	PUNCT
fsr-4060	399	14	a.	a.	PROPN
fsr-4060	399	15	,	,	PUNCT
fsr-4060	399	16	&	&	CCONJ
fsr-4060	399	17	glewwe	glewwe	NOUN
fsr-4060	399	18	,	,	PUNCT
fsr-4060	399	19	p.	p.	NOUN
fsr-4060	399	20	(	(	PUNCT
fsr-4060	399	21	2011	2011	NUM
fsr-4060	399	22	)	)	PUNCT
fsr-4060	399	23	.	.	PUNCT
fsr-4060	400	1	valuing	value	VERB
fsr-4060	400	2	the	the	DET
fsr-4060	400	3	benefits	benefit	NOUN
fsr-4060	400	4	of	of	ADP
fsr-4060	400	5	the	the	DET
fsr-4060	400	6	education	education	NOUN
fsr-4060	400	7	provided	provide	VERB
fsr-4060	400	8	by	by	ADP
fsr-4060	400	9	public	public	ADJ
fsr-4060	400	10	universities	university	NOUN
fsr-4060	400	11	:	:	PUNCT
fsr-4060	400	12	a	a	DET
fsr-4060	400	13	case	case	NOUN
fsr-4060	400	14	study	study	NOUN
fsr-4060	400	15	of	of	ADP
fsr-4060	400	16	minnesota	minnesota	PROPN
fsr-4060	400	17	.	.	PUNCT
fsr-4060	401	1	economics	economic	NOUN
fsr-4060	401	2	of	of	ADP
fsr-4060	401	3	education	education	PROPN
fsr-4060	401	4	review	review	NOUN
fsr-4060	401	5	,	,	PUNCT
fsr-4060	401	6	30(6	30(6	NUM
fsr-4060	401	7	)	)	PUNCT
fsr-4060	401	8	,	,	PUNCT
fsr-4060	401	9	1242	1242	NUM
fsr-4060	401	10	-	-	SYM
fsr-4060	401	11	1261	1261	NUM
fsr-4060	401	12	.	.	PUNCT
fsr-4060	402	1	doi:10.1016	doi:10.1016	PROPN
fsr-4060	402	2	/	/	SYM
fsr-4060	402	3	j.econedurev.2011.07.015	j.econedurev.2011.07.015	PROPN
fsr-4060	402	4	delaney	delaney	PROPN
fsr-4060	402	5	,	,	PUNCT
fsr-4060	402	6	l.	l.	PROPN
fsr-4060	402	7	,	,	PUNCT
fsr-4060	402	8	harmon	harmon	PROPN
fsr-4060	402	9	,	,	PUNCT
fsr-4060	402	10	c.	c.	PROPN
fsr-4060	402	11	,	,	PUNCT
fsr-4060	402	12	&	&	CCONJ
fsr-4060	402	13	redmond	redmond	PROPN
fsr-4060	402	14	,	,	PUNCT
fsr-4060	402	15	c.	c.	PROPN
fsr-4060	402	16	(	(	PUNCT
fsr-4060	402	17	2011	2011	NUM
fsr-4060	402	18	)	)	PUNCT
fsr-4060	402	19	.	.	PUNCT
fsr-4060	403	1	parental	parental	ADJ
fsr-4060	403	2	education	education	NOUN
fsr-4060	403	3	,	,	PUNCT
fsr-4060	403	4	grade	grade	NOUN
fsr-4060	403	5	attainment	attainment	NOUN
fsr-4060	403	6	and	and	CCONJ
fsr-4060	403	7	earnings	earning	NOUN
fsr-4060	403	8	expectations	expectation	NOUN
fsr-4060	403	9	among	among	ADP
fsr-4060	403	10	university	university	NOUN
fsr-4060	403	11	students	student	NOUN
fsr-4060	403	12	.	.	PUNCT
fsr-4060	404	1	economics	economic	NOUN
fsr-4060	404	2	of	of	ADP
fsr-4060	404	3	education	education	PROPN
fsr-4060	404	4	review	review	NOUN
fsr-4060	404	5	,	,	PUNCT
fsr-4060	404	6	30(6	30(6	NUM
fsr-4060	404	7	)	)	PUNCT
fsr-4060	404	8	,	,	PUNCT
fsr-4060	404	9	1136	1136	NUM
fsr-4060	404	10	-	-	SYM
fsr-4060	404	11	1152	1152	NUM
fsr-4060	404	12	.	.	PUNCT
fsr-4060	405	1	doi:10.1016	doi:10.1016	PROPN
fsr-4060	405	2	/	/	SYM
fsr-4060	405	3	j.econedurev.2011.04.004	j.econedurev.2011.04.004	PROPN
fsr-4060	405	4	desjardins	desjardins	PROPN
fsr-4060	405	5	,	,	PUNCT
fsr-4060	405	6	s.	s.	PROPN
fsr-4060	405	7	l.	l.	PROPN
fsr-4060	405	8	,	,	PUNCT
fsr-4060	405	9	&	&	CCONJ
fsr-4060	405	10	toutkoushian	toutkoushian	PROPN
fsr-4060	405	11	,	,	PUNCT
fsr-4060	405	12	r.	r.	PROPN
fsr-4060	405	13	k.	k.	PROPN
fsr-4060	405	14	(	(	PUNCT
fsr-4060	405	15	2005	2005	NUM
fsr-4060	405	16	)	)	PUNCT
fsr-4060	405	17	.	.	PUNCT
fsr-4060	406	1	are	be	AUX
fsr-4060	406	2	students	student	NOUN
fsr-4060	406	3	really	really	ADV
fsr-4060	406	4	rational	rational	ADJ
fsr-4060	406	5	?	?	PUNCT
fsr-4060	407	1	the	the	DET
fsr-4060	407	2	development	development	NOUN
fsr-4060	407	3	of	of	ADP
fsr-4060	407	4	rational	rational	ADJ
fsr-4060	407	5	thought	thought	NOUN
fsr-4060	407	6	and	and	CCONJ
fsr-4060	407	7	its	its	PRON
fsr-4060	407	8	application	application	NOUN
fsr-4060	407	9	to	to	ADP
fsr-4060	407	10	student	student	NOUN
fsr-4060	407	11	choice	choice	NOUN
fsr-4060	407	12	.	.	PUNCT
fsr-4060	408	1	in	in	ADP
fsr-4060	408	2	j.	j.	PROPN
fsr-4060	408	3	c.	c.	PROPN
fsr-4060	408	4	smart	smart	PROPN
fsr-4060	408	5	(	(	PUNCT
fsr-4060	408	6	ed	ed	NOUN
fsr-4060	408	7	.	.	PUNCT
fsr-4060	408	8	)	)	PUNCT
fsr-4060	408	9	,	,	PUNCT
fsr-4060	408	10	higher	high	ADJ
fsr-4060	408	11	education	education	NOUN
fsr-4060	408	12	:	:	PUNCT
fsr-4060	408	13	handbook	handbook	NOUN
fsr-4060	408	14	of	of	ADP
fsr-4060	408	15	theory	theory	NOUN
fsr-4060	408	16	and	and	CCONJ
fsr-4060	408	17	research	research	NOUN
fsr-4060	408	18	(	(	PUNCT
fsr-4060	408	19	vol	vol	NOUN
fsr-4060	408	20	.	.	PROPN
fsr-4060	408	21	20	20	NUM
fsr-4060	408	22	)	)	PUNCT
fsr-4060	408	23	.	.	PUNCT
fsr-4060	409	1	springer	springer	NOUN
fsr-4060	409	2	.	.	PUNCT
fsr-4060	410	1	https://doi.org/10.1007/14020-3279-x_4	https://doi.org/10.1007/14020-3279-x_4	PROPN
fsr-4060	411	1	despard	despard	ADJ
fsr-4060	411	2	,	,	PUNCT
fsr-4060	411	3	m.	m.	PROPN
fsr-4060	411	4	r.	r.	PROPN
fsr-4060	411	5	,	,	PUNCT
fsr-4060	411	6	perantie	perantie	PROPN
fsr-4060	411	7	,	,	PUNCT
fsr-4060	411	8	d.	d.	PROPN
fsr-4060	411	9	,	,	PUNCT
fsr-4060	411	10	taylor	taylor	PROPN
fsr-4060	411	11	,	,	PUNCT
fsr-4060	411	12	s.	s.	PROPN
fsr-4060	411	13	,	,	PUNCT
fsr-4060	411	14	grinstein	grinstein	NOUN
fsr-4060	411	15	-	-	PUNCT
fsr-4060	411	16	weiss	weiss	NOUN
fsr-4060	411	17	,	,	PUNCT
fsr-4060	411	18	m.	m.	NOUN
fsr-4060	411	19	,	,	PUNCT
fsr-4060	411	20	friedline	friedline	NOUN
fsr-4060	411	21	,	,	PUNCT
fsr-4060	411	22	t.	t.	PROPN
fsr-4060	411	23	,	,	PUNCT
fsr-4060	411	24	&	&	CCONJ
fsr-4060	411	25	raghavan	raghavan	PROPN
fsr-4060	411	26	,	,	PUNCT
fsr-4060	411	27	r.	r.	PROPN
fsr-4060	411	28	(	(	PUNCT
fsr-4060	411	29	2016	2016	NUM
fsr-4060	411	30	)	)	PUNCT
fsr-4060	411	31	.	.	PUNCT
fsr-4060	412	1	student	student	NOUN
fsr-4060	412	2	debt	debt	NOUN
fsr-4060	412	3	and	and	CCONJ
fsr-4060	412	4	hardship	hardship	NOUN
fsr-4060	412	5	:	:	PUNCT
fsr-4060	412	6	evidence	evidence	NOUN
fsr-4060	412	7	from	from	ADP
fsr-4060	412	8	a	a	DET
fsr-4060	412	9	large	large	ADJ
fsr-4060	412	10	sample	sample	NOUN
fsr-4060	412	11	of	of	ADP
fsr-4060	412	12	low	low	ADJ
fsr-4060	412	13	-	-	PUNCT
fsr-4060	412	14	and	and	CCONJ
fsr-4060	412	15	moderate	moderate	ADJ
fsr-4060	412	16	-	-	PUNCT
fsr-4060	412	17	income	income	NOUN
fsr-4060	412	18	households	household	NOUN
fsr-4060	412	19	.	.	PUNCT
fsr-4060	413	1	children	child	NOUN
fsr-4060	413	2	and	and	CCONJ
fsr-4060	413	3	youth	youth	NOUN
fsr-4060	413	4	services	service	NOUN
fsr-4060	413	5	review	review	PROPN
fsr-4060	413	6	,	,	PUNCT
fsr-4060	413	7	70	70	NUM
fsr-4060	413	8	,	,	PUNCT
fsr-4060	413	9	8	8	NUM
fsr-4060	413	10	-	-	SYM
fsr-4060	413	11	18	18	NUM
fsr-4060	413	12	.	.	PUNCT
fsr-4060	414	1	dowd	dowd	PROPN
fsr-4060	414	2	,	,	PUNCT
fsr-4060	414	3	a.	a.	PROPN
fsr-4060	414	4	c.	c.	PROPN
fsr-4060	414	5	,	,	PUNCT
fsr-4060	414	6	&	&	CCONJ
fsr-4060	414	7	coury	coury	PROPN
fsr-4060	414	8	,	,	PUNCT
fsr-4060	414	9	t.	t.	PROPN
fsr-4060	414	10	(	(	PUNCT
fsr-4060	414	11	2006	2006	NUM
fsr-4060	414	12	)	)	PUNCT
fsr-4060	414	13	.	.	PUNCT
fsr-4060	415	1	the	the	DET
fsr-4060	415	2	effect	effect	NOUN
fsr-4060	415	3	of	of	ADP
fsr-4060	415	4	loans	loan	NOUN
fsr-4060	415	5	on	on	ADP
fsr-4060	415	6	the	the	DET
fsr-4060	415	7	persistence	persistence	NOUN
fsr-4060	415	8	and	and	CCONJ
fsr-4060	415	9	attainment	attainment	NOUN
fsr-4060	415	10	of	of	ADP
fsr-4060	415	11	community	community	NOUN
fsr-4060	415	12	college	college	NOUN
fsr-4060	415	13	students	student	NOUN
fsr-4060	415	14	.	.	PUNCT
fsr-4060	416	1	research	research	NOUN
fsr-4060	416	2	in	in	ADP
fsr-4060	416	3	higher	high	ADJ
fsr-4060	416	4	education	education	NOUN
fsr-4060	416	5	,	,	PUNCT
fsr-4060	416	6	47(1	47(1	NUM
fsr-4060	416	7	)	)	PUNCT
fsr-4060	416	8	,	,	PUNCT
fsr-4060	416	9	33	33	NUM
fsr-4060	416	10	-	-	SYM
fsr-4060	416	11	62	62	NUM
fsr-4060	416	12	.	.	PUNCT
fsr-4060	417	1	fox	fox	PROPN
fsr-4060	417	2	,	,	PUNCT
fsr-4060	417	3	j.	j.	PROPN
fsr-4060	417	4	j.	j.	PROPN
fsr-4060	417	5	,	,	PUNCT
fsr-4060	417	6	bartholomae	bartholomae	PROPN
fsr-4060	417	7	,	,	PUNCT
fsr-4060	417	8	s.	s.	PROPN
fsr-4060	417	9	,	,	PUNCT
fsr-4060	417	10	letkiewicz	letkiewicz	NOUN
fsr-4060	417	11	,	,	PUNCT
fsr-4060	417	12	j.	j.	PROPN
fsr-4060	417	13	c.	c.	PROPN
fsr-4060	417	14	,	,	PUNCT
fsr-4060	417	15	&	&	CCONJ
fsr-4060	417	16	montalto	montalto	PROPN
fsr-4060	417	17	,	,	PUNCT
fsr-4060	418	1	c.	c.	PROPN
fsr-4060	418	2	p.	p.	PROPN
fsr-4060	418	3	(	(	PUNCT
fsr-4060	418	4	2017	2017	NUM
fsr-4060	418	5	)	)	PUNCT
fsr-4060	418	6	.	.	PUNCT
fsr-4060	419	1	college	college	NOUN
fsr-4060	419	2	student	student	NOUN
fsr-4060	419	3	debt	debt	NOUN
fsr-4060	419	4	and	and	CCONJ
fsr-4060	419	5	anticipated	anticipate	VERB
fsr-4060	419	6	repayment	repayment	NOUN
fsr-4060	419	7	difficulty	difficulty	NOUN
fsr-4060	419	8	.	.	PUNCT
fsr-4060	420	1	journal	journal	PROPN
fsr-4060	420	2	of	of	ADP
fsr-4060	420	3	student	student	NOUN
fsr-4060	420	4	financial	financial	ADJ
fsr-4060	420	5	aid	aid	NOUN
fsr-4060	420	6	,	,	PUNCT
fsr-4060	420	7	47(2	47(2	PROPN
fsr-4060	420	8	)	)	PUNCT
fsr-4060	420	9	,	,	PUNCT
fsr-4060	420	10	n2	n2	PROPN
fsr-4060	420	11	.	.	PUNCT
fsr-4060	420	12	frotman	frotman	PROPN
fsr-4060	420	13	,	,	PUNCT
fsr-4060	420	14	s.	s.	PROPN
fsr-4060	420	15	,	,	PUNCT
fsr-4060	420	16	&	&	CCONJ
fsr-4060	420	17	williams	williams	PROPN
fsr-4060	420	18	,	,	PUNCT
fsr-4060	420	19	r.	r.	PROPN
fsr-4060	420	20	(	(	PUNCT
fsr-4060	420	21	2017	2017	NUM
fsr-4060	420	22	)	)	PUNCT
fsr-4060	420	23	.	.	PUNCT
fsr-4060	421	1	new	new	ADJ
fsr-4060	421	2	data	data	NOUN
fsr-4060	421	3	documents	document	VERB
fsr-4060	421	4	a	a	DET
fsr-4060	421	5	disturbing	disturbing	ADJ
fsr-4060	421	6	cycle	cycle	NOUN
fsr-4060	421	7	of	of	ADP
fsr-4060	421	8	defaults	default	NOUN
fsr-4060	421	9	for	for	ADP
fsr-4060	421	10	struggling	struggle	VERB
fsr-4060	421	11	student	student	NOUN
fsr-4060	421	12	loan	loan	NOUN
fsr-4060	421	13	borrowers	borrower	NOUN
fsr-4060	421	14	.	.	PUNCT
fsr-4060	422	1	consumer	consumer	NOUN
fsr-4060	422	2	financial	financial	PROPN
fsr-4060	422	3	protection	protection	PROPN
fsr-4060	422	4	bureau	bureau	PROPN
fsr-4060	422	5	.	.	PUNCT
fsr-4060	423	1	retrieved	retrieve	VERB
fsr-4060	423	2	from	from	ADP
fsr-4060	423	3	https://www.consumerfinance.gov/about	https://www.consumerfinance.gov/about	PROPN
fsr-4060	423	4	-us	-us	ADJ
fsr-4060	423	5	/	/	SYM
fsr-4060	423	6	blog	blog	NOUN
fsr-4060	423	7	/	/	SYM
fsr-4060	423	8	new	new	ADJ
fsr-4060	423	9	-	-	PUNCT
fsr-4060	423	10	data	data	NOUN
fsr-4060	423	11	-	-	PUNCT
fsr-4060	423	12	documentsdisturbing	documentsdisturbing	NOUN
fsr-4060	423	13	-	-	PUNCT
fsr-4060	423	14	cycle	cycle	NOUN
fsr-4060	423	15	-	-	PUNCT
fsr-4060	423	16	defaults	default	NOUN
fsr-4060	423	17	-	-	PUNCT
fsr-4060	423	18	strugglingstudent	strugglingstudent	NOUN
fsr-4060	423	19	-	-	PUNCT
fsr-4060	423	20	loan	loan	NOUN
fsr-4060	423	21	-	-	PUNCT
fsr-4060	423	22	borrowers/	borrowers/	NOUN
fsr-4060	423	23	furquim	furquim	NOUN
fsr-4060	423	24	,	,	PUNCT
fsr-4060	423	25	f.	f.	PROPN
fsr-4060	423	26	,	,	PUNCT
fsr-4060	423	27	glasener	glasener	PROPN
fsr-4060	423	28	,	,	PUNCT
fsr-4060	423	29	k.	k.	PROPN
fsr-4060	423	30	m.	m.	PROPN
fsr-4060	423	31	,	,	PUNCT
fsr-4060	423	32	oster	oster	NOUN
fsr-4060	423	33	,	,	PUNCT
fsr-4060	423	34	m.	m.	NOUN
fsr-4060	423	35	,	,	PUNCT
fsr-4060	423	36	mccall	mccall	PROPN
fsr-4060	423	37	,	,	PUNCT
fsr-4060	423	38	b.	b.	PROPN
fsr-4060	423	39	p.	p.	PROPN
fsr-4060	423	40	,	,	PUNCT
fsr-4060	423	41	&	&	CCONJ
fsr-4060	423	42	desjardins	desjardins	PROPN
fsr-4060	423	43	,	,	PUNCT
fsr-4060	423	44	s.	s.	PROPN
fsr-4060	423	45	l.	l.	PROPN
fsr-4060	423	46	(	(	PUNCT
fsr-4060	423	47	2017	2017	NUM
fsr-4060	423	48	)	)	PUNCT
fsr-4060	423	49	.	.	PUNCT
fsr-4060	424	1	navigating	navigate	VERB
fsr-4060	424	2	the	the	DET
fsr-4060	424	3	financial	financial	ADJ
fsr-4060	424	4	aid	aid	NOUN
fsr-4060	424	5	process	process	NOUN
fsr-4060	424	6	:	:	PUNCT
fsr-4060	424	7	borrowing	borrow	VERB
fsr-4060	424	8	outcomes	outcome	NOUN
fsr-4060	424	9	among	among	ADP
fsr-4060	424	10	firstgeneration	firstgeneration	NOUN
fsr-4060	424	11	and	and	CCONJ
fsr-4060	424	12	non	non	ADJ
fsr-4060	424	13	-	-	ADJ
fsr-4060	424	14	first	first	ADJ
fsr-4060	424	15	-	-	PUNCT
fsr-4060	424	16	generation	generation	NOUN
fsr-4060	424	17	students	student	NOUN
fsr-4060	424	18	.	.	PUNCT
fsr-4060	425	1	the	the	DET
fsr-4060	425	2	annals	annal	NOUN
fsr-4060	425	3	of	of	ADP
fsr-4060	425	4	the	the	DET
fsr-4060	425	5	american	american	PROPN
fsr-4060	425	6	academy	academy	PROPN
fsr-4060	425	7	of	of	ADP
fsr-4060	425	8	political	political	ADJ
fsr-4060	425	9	and	and	CCONJ
fsr-4060	425	10	social	social	ADJ
fsr-4060	425	11	science	science	NOUN
fsr-4060	425	12	,	,	PUNCT
fsr-4060	425	13	671(1	671(1	NUM
fsr-4060	425	14	)	)	PUNCT
fsr-4060	425	15	,	,	PUNCT
fsr-4060	425	16	69–91	69–91	NUM
fsr-4060	425	17	.	.	PUNCT
fsr-4060	426	1	goldrick	goldrick	NOUN
fsr-4060	426	2	-	-	PUNCT
fsr-4060	426	3	rab	rab	PROPN
fsr-4060	426	4	,	,	PUNCT
fsr-4060	426	5	s.	s.	PROPN
fsr-4060	426	6	,	,	PUNCT
fsr-4060	426	7	&	&	CCONJ
fsr-4060	426	8	kelchen	kelchen	PROPN
fsr-4060	426	9	,	,	PUNCT
fsr-4060	426	10	r.	r.	PROPN
fsr-4060	426	11	(	(	PUNCT
fsr-4060	426	12	2015	2015	NUM
fsr-4060	426	13	)	)	PUNCT
fsr-4060	426	14	.	.	PUNCT
fsr-4060	427	1	making	make	VERB
fsr-4060	427	2	sense	sense	NOUN
fsr-4060	427	3	of	of	ADP
fsr-4060	427	4	loan	loan	NOUN
fsr-4060	427	5	aversion	aversion	NOUN
fsr-4060	427	6	:	:	PUNCT
fsr-4060	427	7	evidence	evidence	NOUN
fsr-4060	427	8	from	from	ADP
fsr-4060	427	9	https://cew.georgetown.edu/wp-content/uploads/cew-college_payoff_2021-fr.pdf	https://cew.georgetown.edu/wp-content/uploads/cew-college_payoff_2021-fr.pdf	NOUN
fsr-4060	427	10	https://cew.georgetown.edu/wp-content/uploads/cew-college_payoff_2021-fr.pdf	https://cew.georgetown.edu/wp-content/uploads/cew-college_payoff_2021-fr.pdf	NOUN
fsr-4060	427	11	https://cew.georgetown.edu/wp-content/uploads/cew-college_payoff_2021-fr.pdf	https://cew.georgetown.edu/wp-content/uploads/cew-college_payoff_2021-fr.pdf	NOUN
fsr-4060	427	12	https://research.collegeboard.org/media/pdf/trends%20report%202023%20updated.pdf	https://research.collegeboard.org/media/pdf/trends%20report%202023%20updated.pdf	NOUN
fsr-4060	427	13	https://research.collegeboard.org/media/pdf/trends%20report%202023%20updated.pdf	https://research.collegeboard.org/media/pdf/trends%20report%202023%20updated.pdf	NOUN
fsr-4060	427	14	https://research.collegeboard.org/media/pdf/trends%20report%202023%20updated.pdf	https://research.collegeboard.org/media/pdf/trends%20report%202023%20updated.pdf	NOUN
fsr-4060	427	15	https://files.eric.ed.gov/fulltext/ed503684.pdf	https://files.eric.ed.gov/fulltext/ed503684.pdf	NOUN
fsr-4060	427	16	https://files.eric.ed.gov/fulltext/ed503684.pdf	https://files.eric.ed.gov/fulltext/ed503684.pdf	X
fsr-4060	427	17	https://doi.org/10.1007/1-4020-3279-x_4	https://doi.org/10.1007/1-4020-3279-x_4	PROPN
fsr-4060	427	18	https://doi.org/10.1007/1-4020-3279-x_4	https://doi.org/10.1007/1-4020-3279-x_4	PROPN
fsr-4060	427	19	https://www.consumerfinance.gov/about-us/blog/new-data-documents-disturbing-cycle-defaults-struggling-student-loan-borrowers/	https://www.consumerfinance.gov/about-us/blog/new-data-documents-disturbing-cycle-defaults-struggling-student-loan-borrowers/	VERB
fsr-4060	427	20	https://www.consumerfinance.gov/about-us/blog/new-data-documents-disturbing-cycle-defaults-struggling-student-loan-borrowers/	https://www.consumerfinance.gov/about-us/blog/new-data-documents-disturbing-cycle-defaults-struggling-student-loan-borrowers/	PROPN
fsr-4060	427	21	https://www.consumerfinance.gov/about-us/blog/new-data-documents-disturbing-cycle-defaults-struggling-student-loan-borrowers/	https://www.consumerfinance.gov/about-us/blog/new-data-documents-disturbing-cycle-defaults-struggling-student-loan-borrowers/	PROPN
fsr-4060	427	22	https://www.consumerfinance.gov/about-us/blog/new-data-documents-disturbing-cycle-defaults-struggling-student-loan-borrowers/	https://www.consumerfinance.gov/about-us/blog/new-data-documents-disturbing-cycle-defaults-struggling-student-loan-borrowers/	PROPN
fsr-4060	428	1	heckman	heckman	PROPN
fsr-4060	428	2	et	et	PROPN
fsr-4060	428	3	al	al	PROPN
fsr-4060	428	4	.	.	PROPN
fsr-4060	428	5	91	91	NUM
fsr-4060	428	6	wisconsin	wisconsin	PROPN
fsr-4060	428	7	.	.	PUNCT
fsr-4060	429	1	in	in	ADP
fsr-4060	429	2	h.	h.	PROPN
fsr-4060	429	3	hershbein	hershbein	PROPN
fsr-4060	429	4	&	&	CCONJ
fsr-4060	429	5	k.	k.	PROPN
fsr-4060	429	6	hollenbeck	hollenbeck	PROPN
fsr-4060	429	7	(	(	PUNCT
fsr-4060	429	8	eds	ed	NOUN
fsr-4060	429	9	.	.	PUNCT
fsr-4060	429	10	)	)	PUNCT
fsr-4060	429	11	,	,	PUNCT
fsr-4060	429	12	student	student	NOUN
fsr-4060	429	13	loans	loan	NOUN
fsr-4060	429	14	and	and	CCONJ
fsr-4060	429	15	the	the	DET
fsr-4060	429	16	dynamics	dynamic	NOUN
fsr-4060	429	17	of	of	ADP
fsr-4060	429	18	debt	debt	NOUN
fsr-4060	429	19	(	(	PUNCT
fsr-4060	429	20	pp	pp	ADV
fsr-4060	429	21	.	.	PUNCT
fsr-4060	430	1	317–378	317–378	NUM
fsr-4060	430	2	)	)	PUNCT
fsr-4060	430	3	.	.	PUNCT
fsr-4060	431	1	w.e	w.e	PROPN
fsr-4060	431	2	.	.	PROPN
fsr-4060	431	3	upjohn	upjohn	PROPN
fsr-4060	431	4	institute	institute	PROPN
fsr-4060	431	5	for	for	ADP
fsr-4060	431	6	employment	employment	NOUN
fsr-4060	431	7	research	research	NOUN
fsr-4060	431	8	.	.	PUNCT
fsr-4060	432	1	https://doi.org/10.17848/978088099487	https://doi.org/10.17848/978088099487	X
fsr-4060	432	2	3.ch10	3.ch10	NUM
fsr-4060	432	3	hart	hart	PROPN
fsr-4060	432	4	,	,	PUNCT
fsr-4060	432	5	n.	n.	PROPN
fsr-4060	432	6	k.	k.	PROPN
fsr-4060	432	7	,	,	PUNCT
fsr-4060	432	8	&	&	CCONJ
fsr-4060	432	9	mustafa	mustafa	PROPN
fsr-4060	432	10	,	,	PUNCT
fsr-4060	432	11	s.	s.	PROPN
fsr-4060	432	12	(	(	PUNCT
fsr-4060	432	13	2008	2008	NUM
fsr-4060	432	14	)	)	PUNCT
fsr-4060	432	15	.	.	PUNCT
fsr-4060	433	1	what	what	PRON
fsr-4060	433	2	determines	determine	VERB
fsr-4060	433	3	the	the	DET
fsr-4060	433	4	amount	amount	NOUN
fsr-4060	433	5	students	student	NOUN
fsr-4060	433	6	borrow	borrow	VERB
fsr-4060	433	7	?	?	PUNCT
fsr-4060	434	1	revisiting	revisit	VERB
fsr-4060	434	2	the	the	DET
fsr-4060	434	3	crisis	crisis	NOUN
fsr-4060	434	4	–	–	PUNCT
fsr-4060	434	5	convenience	convenience	NOUN
fsr-4060	434	6	debate	debate	NOUN
fsr-4060	434	7	.	.	PUNCT
fsr-4060	435	1	journal	journal	NOUN
fsr-4060	435	2	of	of	ADP
fsr-4060	435	3	student	student	NOUN
fsr-4060	435	4	financial	financial	ADJ
fsr-4060	435	5	aid	aid	NOUN
fsr-4060	435	6	,	,	PUNCT
fsr-4060	435	7	38(1	38(1	NUM
fsr-4060	435	8	)	)	PUNCT
fsr-4060	435	9	,	,	PUNCT
fsr-4060	435	10	17–39	17–39	NUM
fsr-4060	435	11	.	.	PUNCT
fsr-4060	436	1	heckman	heckman	PROPN
fsr-4060	436	2	,	,	PUNCT
fsr-4060	436	3	s.	s.	PROPN
fsr-4060	436	4	j.	j.	PROPN
fsr-4060	436	5	,	,	PUNCT
fsr-4060	436	6	lim	lim	PROPN
fsr-4060	436	7	,	,	PUNCT
fsr-4060	436	8	h.	h.	PROPN
fsr-4060	436	9	,	,	PUNCT
fsr-4060	436	10	&	&	CCONJ
fsr-4060	436	11	montalto	montalto	PROPN
fsr-4060	436	12	,	,	PUNCT
fsr-4060	436	13	c.	c.	PROPN
fsr-4060	436	14	p.	p.	PROPN
fsr-4060	436	15	(	(	PUNCT
fsr-4060	436	16	2014	2014	NUM
fsr-4060	436	17	)	)	PUNCT
fsr-4060	436	18	.	.	PUNCT
fsr-4060	437	1	factors	factor	NOUN
fsr-4060	437	2	related	relate	VERB
fsr-4060	437	3	to	to	ADP
fsr-4060	437	4	financial	financial	ADJ
fsr-4060	437	5	stress	stress	NOUN
fsr-4060	437	6	among	among	ADP
fsr-4060	437	7	college	college	NOUN
fsr-4060	437	8	students	student	NOUN
fsr-4060	437	9	.	.	PUNCT
fsr-4060	438	1	journal	journal	NOUN
fsr-4060	438	2	of	of	ADP
fsr-4060	438	3	financial	financial	ADJ
fsr-4060	438	4	therapy	therapy	NOUN
fsr-4060	438	5	,	,	PUNCT
fsr-4060	438	6	5(1	5(1	NUM
fsr-4060	438	7	)	)	PUNCT
fsr-4060	438	8	,	,	PUNCT
fsr-4060	438	9	19–39	19–39	NUM
fsr-4060	438	10	.	.	PUNCT
fsr-4060	439	1	https://doi.org/10.4148/1944-9771.1063	https://doi.org/10.4148/1944-9771.1063	PROPN
fsr-4060	439	2	heckman	heckman	PROPN
fsr-4060	439	3	,	,	PUNCT
fsr-4060	439	4	s.	s.	PROPN
fsr-4060	439	5	j.	j.	PROPN
fsr-4060	439	6	,	,	PUNCT
fsr-4060	439	7	&	&	CCONJ
fsr-4060	439	8	montalto	montalto	PROPN
fsr-4060	439	9	,	,	PUNCT
fsr-4060	439	10	c.	c.	PROPN
fsr-4060	439	11	p.	p.	PROPN
fsr-4060	439	12	(	(	PUNCT
fsr-4060	439	13	2018	2018	NUM
fsr-4060	439	14	)	)	PUNCT
fsr-4060	439	15	.	.	PUNCT
fsr-4060	440	1	consumer	consumer	NOUN
fsr-4060	440	2	risk	risk	NOUN
fsr-4060	440	3	preferences	preference	NOUN
fsr-4060	440	4	and	and	CCONJ
fsr-4060	440	5	higher	high	ADJ
fsr-4060	440	6	education	education	NOUN
fsr-4060	440	7	enrollment	enrollment	NOUN
fsr-4060	440	8	decisions	decision	NOUN
fsr-4060	440	9	.	.	PUNCT
fsr-4060	441	1	journal	journal	NOUN
fsr-4060	441	2	of	of	ADP
fsr-4060	441	3	consumer	consumer	NOUN
fsr-4060	441	4	affairs	affair	NOUN
fsr-4060	441	5	,	,	PUNCT
fsr-4060	441	6	52(1	52(1	NOUN
fsr-4060	441	7	)	)	PUNCT
fsr-4060	441	8	,	,	PUNCT
fsr-4060	441	9	166–196	166–196	NUM
fsr-4060	441	10	.	.	PUNCT
fsr-4060	442	1	https://doi.org/10.1111/joca.12139	https://doi.org/10.1111/joca.12139	ADJ
fsr-4060	442	2	hoynes	hoyne	NOUN
fsr-4060	442	3	,	,	PUNCT
fsr-4060	442	4	h.	h.	PROPN
fsr-4060	442	5	,	,	PUNCT
fsr-4060	442	6	miller	miller	PROPN
fsr-4060	442	7	,	,	PUNCT
fsr-4060	442	8	d.	d.	PROPN
fsr-4060	442	9	l.	l.	PROPN
fsr-4060	442	10	,	,	PUNCT
fsr-4060	442	11	&	&	CCONJ
fsr-4060	442	12	schaller	schaller	PROPN
fsr-4060	442	13	,	,	PUNCT
fsr-4060	442	14	j.	j.	PROPN
fsr-4060	442	15	(	(	PUNCT
fsr-4060	442	16	2012	2012	NUM
fsr-4060	442	17	)	)	PUNCT
fsr-4060	442	18	.	.	PUNCT
fsr-4060	443	1	who	who	PRON
fsr-4060	443	2	suffers	suffer	VERB
fsr-4060	443	3	during	during	ADP
fsr-4060	443	4	recessions	recession	NOUN
fsr-4060	443	5	?	?	PUNCT
fsr-4060	444	1	journal	journal	NOUN
fsr-4060	444	2	of	of	ADP
fsr-4060	444	3	economic	economic	ADJ
fsr-4060	444	4	perspectives	perspective	NOUN
fsr-4060	444	5	,	,	PUNCT
fsr-4060	444	6	26(3	26(3	NUM
fsr-4060	444	7	)	)	PUNCT
fsr-4060	444	8	,	,	PUNCT
fsr-4060	444	9	27–48	27–48	NUM
fsr-4060	444	10	.	.	PUNCT
fsr-4060	445	1	jacob	jacob	PROPN
fsr-4060	445	2	,	,	PUNCT
fsr-4060	445	3	b.	b.	PROPN
fsr-4060	445	4	,	,	PUNCT
fsr-4060	445	5	mccall	mccall	PROPN
fsr-4060	445	6	,	,	PUNCT
fsr-4060	445	7	b.	b.	PROPN
fsr-4060	445	8	,	,	PUNCT
fsr-4060	445	9	&	&	CCONJ
fsr-4060	445	10	strange	strange	ADJ
fsr-4060	445	11	,	,	PUNCT
fsr-4060	445	12	k.	k.	PROPN
fsr-4060	445	13	(	(	PUNCT
fsr-4060	445	14	2013	2013	NUM
fsr-4060	445	15	)	)	PUNCT
fsr-4060	445	16	.	.	PUNCT
fsr-4060	446	1	the	the	DET
fsr-4060	446	2	consumption	consumption	NOUN
fsr-4060	446	3	value	value	NOUN
fsr-4060	446	4	of	of	ADP
fsr-4060	446	5	education	education	NOUN
fsr-4060	446	6	:	:	PUNCT
fsr-4060	446	7	implications	implication	NOUN
fsr-4060	446	8	for	for	ADP
fsr-4060	446	9	the	the	DET
fsr-4060	446	10	postsecondary	postsecondary	ADJ
fsr-4060	446	11	market	market	NOUN
fsr-4060	446	12	.	.	PUNCT
fsr-4060	447	1	american	american	ADJ
fsr-4060	447	2	economic	economic	PROPN
fsr-4060	447	3	association	association	PROPN
fsr-4060	447	4	papers	paper	NOUN
fsr-4060	447	5	and	and	CCONJ
fsr-4060	447	6	proceedings	proceeding	NOUN
fsr-4060	447	7	,	,	PUNCT
fsr-4060	447	8	103(5	103(5	NUM
fsr-4060	447	9	)	)	PUNCT
fsr-4060	447	10	,	,	PUNCT
fsr-4060	447	11	18811915	18811915	NUM
fsr-4060	447	12	.	.	PUNCT
fsr-4060	448	1	letkiewicz	letkiewicz	PROPN
fsr-4060	448	2	,	,	PUNCT
fsr-4060	448	3	j.	j.	PROPN
fsr-4060	448	4	c.	c.	PROPN
fsr-4060	448	5	,	,	PUNCT
fsr-4060	448	6	lim	lim	PROPN
fsr-4060	448	7	,	,	PUNCT
fsr-4060	448	8	h.	h.	PROPN
fsr-4060	448	9	,	,	PUNCT
fsr-4060	448	10	heckman	heckman	PROPN
fsr-4060	448	11	,	,	PUNCT
fsr-4060	448	12	s.	s.	PROPN
fsr-4060	448	13	j.	j.	PROPN
fsr-4060	448	14	,	,	PUNCT
fsr-4060	448	15	&	&	CCONJ
fsr-4060	448	16	montalto	montalto	PROPN
fsr-4060	448	17	,	,	PUNCT
fsr-4060	448	18	c.	c.	PROPN
fsr-4060	448	19	p.	p.	PROPN
fsr-4060	448	20	(	(	PUNCT
fsr-4060	448	21	2019	2019	NUM
fsr-4060	448	22	)	)	PUNCT
fsr-4060	448	23	.	.	PUNCT
fsr-4060	449	1	parental	parental	ADJ
fsr-4060	449	2	financial	financial	ADJ
fsr-4060	449	3	socialization	socialization	NOUN
fsr-4060	449	4	:	:	PUNCT
fsr-4060	449	5	is	be	AUX
fsr-4060	449	6	too	too	ADV
fsr-4060	449	7	much	much	ADJ
fsr-4060	449	8	help	help	NOUN
fsr-4060	449	9	leading	lead	VERB
fsr-4060	449	10	to	to	ADP
fsr-4060	449	11	debt	debt	NOUN
fsr-4060	449	12	ignorance	ignorance	NOUN
fsr-4060	449	13	among	among	ADP
fsr-4060	449	14	college	college	NOUN
fsr-4060	449	15	students	student	NOUN
fsr-4060	449	16	?	?	PUNCT
fsr-4060	450	1	family	family	NOUN
fsr-4060	450	2	and	and	CCONJ
fsr-4060	450	3	consumer	consumer	NOUN
fsr-4060	450	4	sciences	sciences	PROPN
fsr-4060	450	5	research	research	NOUN
fsr-4060	450	6	journal	journal	NOUN
fsr-4060	450	7	,	,	PUNCT
fsr-4060	450	8	48(2	48(2	NUM
fsr-4060	450	9	)	)	PUNCT
fsr-4060	450	10	,	,	PUNCT
fsr-4060	450	11	149–164	149–164	NUM
fsr-4060	450	12	.	.	PUNCT
fsr-4060	451	1	li	li	PROPN
fsr-4060	451	2	,	,	PUNCT
fsr-4060	451	3	w.	w.	PROPN
fsr-4060	451	4	(	(	PUNCT
fsr-4060	451	5	2013	2013	NUM
fsr-4060	451	6	)	)	PUNCT
fsr-4060	451	7	.	.	PUNCT
fsr-4060	452	1	the	the	DET
fsr-4060	452	2	economics	economic	NOUN
fsr-4060	452	3	of	of	ADP
fsr-4060	452	4	student	student	NOUN
fsr-4060	452	5	loan	loan	NOUN
fsr-4060	452	6	borrowing	borrowing	NOUN
fsr-4060	452	7	and	and	CCONJ
fsr-4060	452	8	repayment	repayment	NOUN
fsr-4060	452	9	.	.	PUNCT
fsr-4060	453	1	business	business	NOUN
fsr-4060	453	2	review	review	PROPN
fsr-4060	453	3	,	,	PUNCT
fsr-4060	453	4	3	3	NUM
fsr-4060	453	5	,	,	PUNCT
fsr-4060	453	6	1	1	NUM
fsr-4060	453	7	-	-	SYM
fsr-4060	453	8	10	10	NUM
fsr-4060	453	9	.	.	PUNCT
fsr-4060	454	1	ma	ma	PROPN
fsr-4060	454	2	,	,	PUNCT
fsr-4060	454	3	j.	j.	PROPN
fsr-4060	454	4	,	,	PUNCT
fsr-4060	454	5	&	&	CCONJ
fsr-4060	454	6	pender	pender	PROPN
fsr-4060	454	7	,	,	PUNCT
fsr-4060	454	8	m.	m.	NOUN
fsr-4060	454	9	(	(	PUNCT
fsr-4060	454	10	2023	2023	NUM
fsr-4060	454	11	)	)	PUNCT
fsr-4060	454	12	.	.	PUNCT
fsr-4060	455	1	education	education	NOUN
fsr-4060	455	2	pays	pay	VERB
fsr-4060	455	3	2023	2023	NUM
fsr-4060	455	4	:	:	PUNCT
fsr-4060	455	5	the	the	DET
fsr-4060	455	6	benefits	benefit	NOUN
fsr-4060	455	7	of	of	ADP
fsr-4060	455	8	higher	high	ADJ
fsr-4060	455	9	education	education	NOUN
fsr-4060	455	10	for	for	ADP
fsr-4060	455	11	individuals	individual	NOUN
fsr-4060	455	12	and	and	CCONJ
fsr-4060	455	13	society	society	NOUN
fsr-4060	455	14	.	.	PUNCT
fsr-4060	456	1	college	college	NOUN
fsr-4060	456	2	board	board	PROPN
fsr-4060	456	3	.	.	PUNCT
fsr-4060	457	1	retrieved	retrieve	VERB
fsr-4060	457	2	from	from	ADP
fsr-4060	457	3	https://research.collegeboard.org/media/	https://research.collegeboard.org/media/	NOUN
fsr-4060	457	4	pdf	pdf	NOUN
fsr-4060	457	5	/	/	SYM
fsr-4060	457	6	education	education	NOUN
fsr-4060	457	7	-	-	PUNCT
fsr-4060	457	8	pays-2023.pdf	pays-2023.pdf	NOUN
fsr-4060	457	9	martin	martin	PROPN
fsr-4060	457	10	,	,	PUNCT
fsr-4060	457	11	e.	e.	PROPN
fsr-4060	457	12	c.	c.	PROPN
fsr-4060	457	13	,	,	PUNCT
fsr-4060	457	14	&	&	CCONJ
fsr-4060	457	15	dwyer	dwyer	PROPN
fsr-4060	457	16	,	,	PUNCT
fsr-4060	457	17	r.	r.	PROPN
fsr-4060	457	18	e.	e.	PROPN
fsr-4060	457	19	(	(	PUNCT
fsr-4060	457	20	2021	2021	NUM
fsr-4060	457	21	)	)	PUNCT
fsr-4060	457	22	.	.	PUNCT
fsr-4060	458	1	financial	financial	ADJ
fsr-4060	458	2	stress	stress	NOUN
fsr-4060	458	3	,	,	PUNCT
fsr-4060	458	4	race	race	NOUN
fsr-4060	458	5	,	,	PUNCT
fsr-4060	458	6	and	and	CCONJ
fsr-4060	458	7	student	student	NOUN
fsr-4060	458	8	debt	debt	NOUN
fsr-4060	458	9	during	during	ADP
fsr-4060	458	10	the	the	DET
fsr-4060	458	11	great	great	ADJ
fsr-4060	458	12	recession	recession	NOUN
fsr-4060	458	13	.	.	PUNCT
fsr-4060	459	1	social	social	ADJ
fsr-4060	459	2	currents	current	NOUN
fsr-4060	459	3	,	,	PUNCT
fsr-4060	459	4	8(5	8(5	NUM
fsr-4060	459	5	)	)	PUNCT
fsr-4060	459	6	,	,	PUNCT
fsr-4060	459	7	424–445	424–445	NUM
fsr-4060	459	8	.	.	PUNCT
fsr-4060	460	1	mckinnery	mckinnery	PROPN
fsr-4060	460	2	,	,	PUNCT
fsr-4060	460	3	l.	l.	PROPN
fsr-4060	460	4	,	,	PUNCT
fsr-4060	460	5	&	&	CCONJ
fsr-4060	460	6	burridge	burridge	PROPN
fsr-4060	460	7	,	,	PUNCT
fsr-4060	460	8	a.	a.	PROPN
fsr-4060	460	9	b.	b.	PROPN
fsr-4060	460	10	(	(	PUNCT
fsr-4060	460	11	2015	2015	NUM
fsr-4060	460	12	)	)	PUNCT
fsr-4060	460	13	.	.	PUNCT
fsr-4060	461	1	helping	help	VERB
fsr-4060	461	2	or	or	CCONJ
fsr-4060	461	3	hindering	hinder	VERB
fsr-4060	461	4	?	?	PUNCT
fsr-4060	462	1	the	the	DET
fsr-4060	462	2	effects	effect	NOUN
fsr-4060	462	3	of	of	ADP
fsr-4060	462	4	loans	loan	NOUN
fsr-4060	462	5	on	on	ADP
fsr-4060	462	6	community	community	NOUN
fsr-4060	462	7	college	college	NOUN
fsr-4060	462	8	student	student	NOUN
fsr-4060	462	9	persistence	persistence	NOUN
fsr-4060	462	10	.	.	PUNCT
fsr-4060	463	1	research	research	NOUN
fsr-4060	463	2	in	in	ADP
fsr-4060	463	3	higher	high	ADJ
fsr-4060	463	4	education	education	NOUN
fsr-4060	463	5	,	,	PUNCT
fsr-4060	463	6	56(1	56(1	NUM
fsr-4060	463	7	)	)	PUNCT
fsr-4060	463	8	,	,	PUNCT
fsr-4060	463	9	299–324	299–324	NUM
fsr-4060	463	10	.	.	PUNCT
fsr-4060	464	1	national	national	PROPN
fsr-4060	464	2	student	student	NOUN
fsr-4060	464	3	clearinghouse	clearinghouse	PROPN
fsr-4060	464	4	research	research	NOUN
fsr-4060	464	5	center	center	NOUN
fsr-4060	464	6	.	.	PUNCT
fsr-4060	465	1	(	(	PUNCT
fsr-4060	465	2	2017	2017	NUM
fsr-4060	465	3	)	)	PUNCT
fsr-4060	465	4	.	.	PUNCT
fsr-4060	466	1	current	current	ADJ
fsr-4060	466	2	term	term	NOUN
fsr-4060	466	3	enrollment	enrollment	NOUN
fsr-4060	466	4	estimates	estimate	NOUN
fsr-4060	466	5	spring	spring	NOUN
fsr-4060	466	6	2017	2017	NUM
fsr-4060	466	7	.	.	PUNCT
fsr-4060	467	1	retrieved	retrieve	VERB
fsr-4060	467	2	from	from	ADP
fsr-4060	467	3	https://nscresearchcenter.org/wpcontent/uploads/currenttermenrollment	https://nscresearchcenter.org/wpcontent/uploads/currenttermenrollment	NOUN
fsr-4060	467	4	-spring2017.pdf	-spring2017.pdf	PRON
fsr-4060	467	5	oreopoulos	oreopoulo	NOUN
fsr-4060	467	6	,	,	PUNCT
fsr-4060	467	7	p.	p.	NOUN
fsr-4060	467	8	,	,	PUNCT
fsr-4060	467	9	&	&	CCONJ
fsr-4060	467	10	petronijevic	petronijevic	PROPN
fsr-4060	467	11	,	,	PUNCT
fsr-4060	467	12	u.	u.	PROPN
fsr-4060	467	13	(	(	PUNCT
fsr-4060	467	14	2013	2013	NUM
fsr-4060	467	15	)	)	PUNCT
fsr-4060	467	16	.	.	PUNCT
fsr-4060	468	1	making	make	VERB
fsr-4060	468	2	college	college	NOUN
fsr-4060	468	3	worth	worth	ADJ
fsr-4060	468	4	it	it	PRON
fsr-4060	468	5	:	:	PUNCT
fsr-4060	468	6	a	a	DET
fsr-4060	468	7	review	review	NOUN
fsr-4060	468	8	of	of	ADP
fsr-4060	468	9	the	the	DET
fsr-4060	468	10	returns	return	NOUN
fsr-4060	468	11	to	to	ADP
fsr-4060	468	12	higher	high	ADJ
fsr-4060	468	13	education	education	NOUN
fsr-4060	468	14	.	.	PUNCT
fsr-4060	469	1	future	future	NOUN
fsr-4060	469	2	of	of	ADP
fsr-4060	469	3	children	child	NOUN
fsr-4060	469	4	,	,	PUNCT
fsr-4060	469	5	23(1	23(1	NUM
fsr-4060	469	6	)	)	PUNCT
fsr-4060	469	7	,	,	PUNCT
fsr-4060	469	8	41–65	41–65	NUM
fsr-4060	469	9	.	.	PUNCT
fsr-4060	469	10	oreopoulos	oreopoulos	PROPN
fsr-4060	469	11	,	,	PUNCT
fsr-4060	469	12	p.	p.	NOUN
fsr-4060	469	13	,	,	PUNCT
fsr-4060	469	14	&	&	CCONJ
fsr-4060	469	15	salvanes	salvane	NOUN
fsr-4060	469	16	,	,	PUNCT
fsr-4060	469	17	k.	k.	PROPN
fsr-4060	469	18	g.	g.	PROPN
fsr-4060	469	19	(	(	PUNCT
fsr-4060	469	20	2011	2011	NUM
fsr-4060	469	21	)	)	PUNCT
fsr-4060	469	22	.	.	PUNCT
fsr-4060	470	1	priceless	priceless	NOUN
fsr-4060	470	2	:	:	PUNCT
fsr-4060	470	3	the	the	DET
fsr-4060	470	4	nonpecuniary	nonpecuniary	ADJ
fsr-4060	470	5	benefits	benefit	NOUN
fsr-4060	470	6	of	of	ADP
fsr-4060	470	7	schooling	schooling	NOUN
fsr-4060	470	8	.	.	PUNCT
fsr-4060	471	1	journal	journal	PROPN
fsr-4060	471	2	of	of	ADP
fsr-4060	471	3	economic	economic	ADJ
fsr-4060	471	4	perspectives	perspective	NOUN
fsr-4060	471	5	,	,	PUNCT
fsr-4060	471	6	25(1	25(1	NUM
fsr-4060	471	7	)	)	PUNCT
fsr-4060	471	8	,	,	PUNCT
fsr-4060	471	9	159–184	159–184	NUM
fsr-4060	471	10	.	.	PUNCT
fsr-4060	471	11	https://doi.org/10.1257/jep.25.1.159	https://doi.org/10.1257/jep.25.1.159	PROPN
fsr-4060	471	12	perna	perna	PROPN
fsr-4060	471	13	,	,	PUNCT
fsr-4060	471	14	l.	l.	PROPN
fsr-4060	471	15	w.	w.	PROPN
fsr-4060	471	16	(	(	PUNCT
fsr-4060	471	17	2008	2008	NUM
fsr-4060	471	18	)	)	PUNCT
fsr-4060	471	19	.	.	PUNCT
fsr-4060	472	1	understanding	understand	VERB
fsr-4060	472	2	high	high	ADJ
fsr-4060	472	3	school	school	NOUN
fsr-4060	472	4	students	student	NOUN
fsr-4060	472	5	willingness	willingness	VERB
fsr-4060	472	6	to	to	PART
fsr-4060	472	7	borrow	borrow	VERB
fsr-4060	472	8	to	to	PART
fsr-4060	472	9	pay	pay	VERB
fsr-4060	472	10	college	college	NOUN
fsr-4060	472	11	prices	price	NOUN
fsr-4060	472	12	.	.	PUNCT
fsr-4060	473	1	research	research	NOUN
fsr-4060	473	2	in	in	ADP
fsr-4060	473	3	higher	high	ADJ
fsr-4060	473	4	education	education	NOUN
fsr-4060	473	5	,	,	PUNCT
fsr-4060	473	6	49(7	49(7	NUM
fsr-4060	473	7	)	)	PUNCT
fsr-4060	473	8	,	,	PUNCT
fsr-4060	473	9	589–606	589–606	NUM
fsr-4060	473	10	.	.	PUNCT
fsr-4060	473	11	https://doi.org/10.1007/s11162-0089095-6	https://doi.org/10.1007/s11162-0089095-6	PROPN
fsr-4060	473	12	sigelman	sigelman	NOUN
fsr-4060	473	13	,	,	PUNCT
fsr-4060	473	14	m.	m.	NOUN
fsr-4060	473	15	,	,	PUNCT
fsr-4060	473	16	&	&	CCONJ
fsr-4060	473	17	selingo	selingo	PROPN
fsr-4060	473	18	,	,	PUNCT
fsr-4060	473	19	j.	j.	PROPN
fsr-4060	473	20	(	(	PUNCT
fsr-4060	473	21	2021	2021	NUM
fsr-4060	473	22	)	)	PUNCT
fsr-4060	473	23	.	.	PUNCT
fsr-4060	474	1	making	make	VERB
fsr-4060	474	2	the	the	DET
fsr-4060	474	3	bachelor	bachelor	NOUN
fsr-4060	474	4	's	's	PART
fsr-4060	474	5	degree	degree	NOUN
fsr-4060	474	6	more	more	ADV
fsr-4060	474	7	valuable	valuable	ADJ
fsr-4060	474	8	.	.	PUNCT
fsr-4060	475	1	the	the	DET
fsr-4060	475	2	burning	burn	VERB
fsr-4060	475	3	glass	glass	NOUN
fsr-4060	475	4	institute	institute	NOUN
fsr-4060	475	5	.	.	PUNCT
fsr-4060	476	1	retrieved	retrieve	VERB
fsr-4060	476	2	from	from	ADP
fsr-4060	476	3	https://www.burningglassinstitute.org/re	https://www.burningglassinstitute.org/re	PROPN
fsr-4060	476	4	search	search	NOUN
fsr-4060	476	5	/	/	SYM
fsr-4060	476	6	making	make	VERB
fsr-4060	476	7	-	-	PUNCT
fsr-4060	476	8	the	the	DET
fsr-4060	476	9	-	-	PUNCT
fsr-4060	476	10	bachelors	bachelor	NOUN
fsr-4060	476	11	-	-	PUNCT
fsr-4060	476	12	degreemore	degreemore	NOUN
fsr-4060	476	13	-	-	PUNCT
fsr-4060	476	14	valuable	valuable	ADJ
fsr-4060	476	15	simon	simon	PROPN
fsr-4060	476	16	,	,	PUNCT
fsr-4060	476	17	h.a	h.a	PROPN
fsr-4060	476	18	.	.	PROPN
fsr-4060	476	19	(	(	PUNCT
fsr-4060	476	20	1955	1955	NUM
fsr-4060	476	21	)	)	PUNCT
fsr-4060	476	22	.	.	PUNCT
fsr-4060	477	1	a	a	DET
fsr-4060	477	2	behavioral	behavioral	ADJ
fsr-4060	477	3	model	model	NOUN
fsr-4060	477	4	of	of	ADP
fsr-4060	477	5	rational	rational	ADJ
fsr-4060	477	6	choice	choice	NOUN
fsr-4060	477	7	.	.	PUNCT
fsr-4060	478	1	quarterly	quarterly	ADJ
fsr-4060	478	2	journal	journal	NOUN
fsr-4060	478	3	of	of	ADP
fsr-4060	478	4	economics	economic	NOUN
fsr-4060	478	5	.	.	PUNCT
fsr-4060	479	1	69(1	69(1	NUM
fsr-4060	479	2	):	):	PUNCT
fsr-4060	479	3	99–118	99–118	PROPN
fsr-4060	479	4	u.s	u.s	PROPN
fsr-4060	479	5	.	.	PROPN
fsr-4060	479	6	department	department	PROPN
fsr-4060	479	7	of	of	ADP
fsr-4060	479	8	education	education	NOUN
fsr-4060	479	9	.	.	PUNCT
fsr-4060	480	1	(	(	PUNCT
fsr-4060	480	2	2020	2020	NUM
fsr-4060	480	3	)	)	PUNCT
fsr-4060	480	4	.	.	PUNCT
fsr-4060	481	1	direct	direct	ADJ
fsr-4060	481	2	loans	loan	NOUN
fsr-4060	481	3	entering	enter	VERB
fsr-4060	481	4	default	default	NOUN
fsr-4060	481	5	.	.	PUNCT
fsr-4060	482	1	retrieved	retrieve	VERB
fsr-4060	482	2	from	from	ADP
fsr-4060	482	3	https://studentaid.gov/sites/default/files/	https://studentaid.gov/sites/default/files/	PROPN
fsr-4060	482	4	dlenteringdefaults.xls	dlenteringdefaults.xls	X
fsr-4060	482	5	https://www.google.com/search?q=https://www.google.com/search%3fq%3dhttps://doi.org/10.17848/9780880994873.ch10	https://www.google.com/search?q=https://www.google.com/search%3fq%3dhttps://doi.org/10.17848/9780880994873.ch10	PROPN
fsr-4060	482	6	https://www.google.com/search?q=https://www.google.com/search%3fq%3dhttps://doi.org/10.17848/9780880994873.ch10	https://www.google.com/search?q=https://www.google.com/search%3fq%3dhttps://doi.org/10.17848/9780880994873.ch10	PROPN
fsr-4060	482	7	https://www.google.com/search?q=https://www.google.com/search%3fq%3dhttps://doi.org/10.4148/1944-9771.1063	https://www.google.com/search?q=https://www.google.com/search%3fq%3dhttps://doi.org/10.4148/1944-9771.1063	ADP
fsr-4060	482	8	https://doi.org/10.1111/joca.12139	https://doi.org/10.1111/joca.12139	ADJ
fsr-4060	482	9	https://research.collegeboard.org/media/pdf/education-pays-2023.pdf	https://research.collegeboard.org/media/pdf/education-pays-2023.pdf	PROPN
fsr-4060	482	10	https://research.collegeboard.org/media/pdf/education-pays-2023.pdf	https://research.collegeboard.org/media/pdf/education-pays-2023.pdf	PROPN
fsr-4060	482	11	https://nscresearchcenter.org/wp-content/uploads/currenttermenrollment-spring2017.pdf	https://nscresearchcenter.org/wp-content/uploads/currenttermenrollment-spring2017.pdf	PROPN
fsr-4060	482	12	https://nscresearchcenter.org/wp-content/uploads/currenttermenrollment-spring2017.pdf	https://nscresearchcenter.org/wp-content/uploads/currenttermenrollment-spring2017.pdf	PROPN
fsr-4060	482	13	https://nscresearchcenter.org/wp-content/uploads/currenttermenrollment-spring2017.pdf	https://nscresearchcenter.org/wp-content/uploads/currenttermenrollment-spring2017.pdf	PROPN
fsr-4060	482	14	https://www.google.com/url?sa=e&source=gmail&q=https://doi.org/10.1257/jep.25.1.159	https://www.google.com/url?sa=e&source=gmail&q=https://doi.org/10.1257/jep.25.1.159	VERB
fsr-4060	482	15	https://www.google.com/search?q=https://www.google.com/url%3fsa%3de%26source%3dgmail%26q%3dhttps://doi.org/10.1007/s11162-008-9095-6	https://www.google.com/search?q=https://www.google.com/url%3fsa%3de%26source%3dgmail%26q%3dhttps://doi.org/10.1007/s11162-008-9095-6	PROPN
fsr-4060	482	16	https://www.google.com/search?q=https://www.google.com/url%3fsa%3de%26source%3dgmail%26q%3dhttps://doi.org/10.1007/s11162-008-9095-6	https://www.google.com/search?q=https://www.google.com/url%3fsa%3de%26source%3dgmail%26q%3dhttps://doi.org/10.1007/s11162-008-9095-6	PROPN
fsr-4060	482	17	https://www.burningglassinstitute.org/research/making-the-bachelors-degree-more-valuable	https://www.burningglassinstitute.org/research/making-the-bachelors-degree-more-valuable	ADJ
fsr-4060	482	18	https://www.burningglassinstitute.org/research/making-the-bachelors-degree-more-valuable	https://www.burningglassinstitute.org/research/making-the-bachelors-degree-more-valuable	ADJ
fsr-4060	482	19	https://www.burningglassinstitute.org/research/making-the-bachelors-degree-more-valuable	https://www.burningglassinstitute.org/research/making-the-bachelors-degree-more-valuable	ADJ
fsr-4060	482	20	https://studentaid.gov/sites/default/files/dlenteringdefaults.xls	https://studentaid.gov/sites/default/files/dlenteringdefaults.xls	PROPN
fsr-4060	482	21	https://studentaid.gov/sites/default/files/dlenteringdefaults.xls	https://studentaid.gov/sites/default/files/dlenteringdefaults.xls	PROPN
fsr-4060	482	22	financial	financial	PROPN
fsr-4060	482	23	services	service	NOUN
fsr-4060	482	24	review	review	VERB
fsr-4060	482	25	,	,	PUNCT
fsr-4060	482	26	33(2	33(2	NUM
fsr-4060	482	27	)	)	PUNCT
fsr-4060	482	28	92	92	NUM
fsr-4060	482	29	u.s	u.s	PROPN
fsr-4060	482	30	.	.	PROPN
fsr-4060	482	31	department	department	PROPN
fsr-4060	482	32	of	of	ADP
fsr-4060	482	33	education	education	NOUN
fsr-4060	482	34	.	.	PUNCT
fsr-4060	483	1	(	(	PUNCT
fsr-4060	483	2	n.d	n.d	PROPN
fsr-4060	483	3	.	.	PROPN
fsr-4060	483	4	)	)	PUNCT
fsr-4060	483	5	.	.	PUNCT
fsr-4060	484	1	net	net	ADJ
fsr-4060	484	2	price	price	NOUN
fsr-4060	484	3	calculator	calculator	NOUN
fsr-4060	484	4	center	center	NOUN
fsr-4060	484	5	.	.	PUNCT
fsr-4060	485	1	retrieved	retrieve	VERB
fsr-4060	485	2	from	from	ADP
fsr-4060	485	3	https://collegecost.ed.gov/net-price	https://collegecost.ed.gov/net-price	PROPN
fsr-4060	485	4	valletta	valletta	PROPN
fsr-4060	485	5	,	,	PUNCT
fsr-4060	485	6	r.	r.	PROPN
fsr-4060	485	7	g.	g.	PROPN
fsr-4060	485	8	(	(	PUNCT
fsr-4060	485	9	2017	2017	NUM
fsr-4060	485	10	)	)	PUNCT
fsr-4060	485	11	.	.	PUNCT
fsr-4060	486	1	recent	recent	ADJ
fsr-4060	486	2	flattening	flattening	NOUN
fsr-4060	486	3	in	in	ADP
fsr-4060	486	4	the	the	DET
fsr-4060	486	5	higher	high	ADJ
fsr-4060	486	6	education	education	NOUN
fsr-4060	486	7	wage	wage	NOUN
fsr-4060	486	8	premium	premium	NOUN
fsr-4060	486	9	:	:	PUNCT
fsr-4060	486	10	polarization	polarization	NOUN
fsr-4060	486	11	,	,	PUNCT
fsr-4060	486	12	skill	skill	NOUN
fsr-4060	486	13	downgrading	downgrading	NOUN
fsr-4060	486	14	,	,	PUNCT
fsr-4060	486	15	or	or	CCONJ
fsr-4060	486	16	both	both	PRON
fsr-4060	486	17	?	?	PUNCT
fsr-4060	487	1	in	in	ADP
fsr-4060	487	2	education	education	NOUN
fsr-4060	487	3	,	,	PUNCT
fsr-4060	487	4	skills	skill	NOUN
fsr-4060	487	5	,	,	PUNCT
fsr-4060	487	6	and	and	CCONJ
fsr-4060	487	7	technical	technical	ADJ
fsr-4060	487	8	change	change	NOUN
fsr-4060	487	9	:	:	PUNCT
fsr-4060	487	10	implications	implication	NOUN
fsr-4060	487	11	for	for	ADP
fsr-4060	487	12	future	future	ADJ
fsr-4060	487	13	us	us	PROPN
fsr-4060	487	14	gdp	gdp	NOUN
fsr-4060	487	15	growth	growth	NOUN
fsr-4060	487	16	.	.	PUNCT
fsr-4060	488	1	university	university	NOUN
fsr-4060	488	2	of	of	ADP
fsr-4060	488	3	chicago	chicago	PROPN
fsr-4060	488	4	press	press	NOUN
fsr-4060	488	5	.	.	PUNCT
fsr-4060	489	1	https://collegecost.ed.gov/net-price	https://collegecost.ed.gov/net-price	PROPN