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<p> This study provides the first nationally representative analysis of student loan debt among scholarship student-athletes at four-year colleges and universities. Using data from the 2020 National Postsecondary Student Aid Study (NPSAS), it explores two central questions: how much loan debt scholarship student-athletes accumulated in the 2019–2020 academic year, and which institutional and personal characteristics significantly predicted borrowing behaviors. Contrary to popular assumptions that athletic scholarships eliminate student debt, results revealed scholarship student-athletes accrued an average debt of $4,321 annually, with borrowers averaging nearly $8,852. Regression analyses identified significant predictors of borrowing behaviors, including race, Pell Grant status, institutional control, selectivity, and scholarship coverage. Black student-athletes and Pell Grant recipients were notably more likely to borrow, while students attending private nonprofit and less selective institutions faced higher borrowing probabilities. Also, each incremental increase in the percentage of college costs covered by athletic scholarships significantly reduced borrowing. Implications of the study emphasize the need for targeted financial literacy programs and financial support strategies tailored specifically to scholarship student-athletes, particularly focusing on historically marginalized groups and students attending institutions with limited financial resources.</p>

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Loan Debt Among Scholarship Student-Athletes at Four-Year Colleges and Universities

  • 期刊论文

  • 发表日期：

    2025年8月27日

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  • Willis A. Jones

摘要

This study provides the first nationally representative analysis of student loan debt among scholarship student-athletes at four-year colleges and universities. Using data from the 2020 National Postsecondary Student Aid Study (NPSAS), it explores two central questions: how much loan debt scholarship student-athletes accumulated in the 2019–2020 academic year, and which institutional and personal characteristics significantly predicted borrowing behaviors. Contrary to popular assumptions that athletic scholarships eliminate student debt, results revealed scholarship student-athletes accrued an average debt of $4,321 annually, with borrowers averaging nearly $8,852. Regression analyses identified significant predictors of borrowing behaviors, including race, Pell Grant status, institutional control, selectivity, and scholarship coverage. Black student-athletes and Pell Grant recipients were notably more likely to borrow, while students attending private nonprofit and less selective institutions faced higher borrowing probabilities. Also, each incremental increase in the percentage of college costs covered by athletic scholarships significantly reduced borrowing. Implications of the study emphasize the need for targeted financial literacy programs and financial support strategies tailored specifically to scholarship student-athletes, particularly focusing on historically marginalized groups and students attending institutions with limited financial resources.