Literary Review #3




  1. Walsemann, Katrina M., Gilbert C. Gee, and Danielle Gentile. "Sick of our loans: Student borrowing and the mental health of young adults in the United States." Social Science & Medicine124 (2015): 85-93.

  1. This study looks at how student loans have become increasingly commonplace among college students and that although these loans facilitate the acquisition of human capital in the form of education, they also lead to stress and worries related to repayment. The results of this study found that student loans are associated with poorer psychological functioning while enrolled in school as well as in early adulthood. That is that not only does it increase anxiety during college but this anxiety follows you after graduation as well as the debt.

  1. Katrina M. Walsemanna
  • Gilbert C. Geeb
  • Danielle Gentilea


a Department of Health Promotion, Education, and Behavior, Arnold School of Public Health, University of South Carolina, Discovery I, 915 Greene Street, Room 529, Columbia, SC 29208, USA

b Department of Community Health Sciences, Fielding School of Public Health, University of California, Los Angeles, 650 Charles E. Young Drive South, Room 46-081c, Los Angeles, CA 90095-1772, USA

  1. Student Loans:  the largest source of loans second only to home mortgages,  amounted to $1 trillion in the United States in 2012
  • Psychological Functioning: was measured using the 5-item Mental Health Inventory (MHI),  respondents were asked how often in the past month they felt 1) nervous; 2) calm and peaceful; 3) downhearted and blue; 4) happy; and 5) down in the dumps.


  1. "Over the past three decades, the cost of higher education in the United States has increased by over 250% adjusting for inflation . Simultaneously, wages for the average family have stagnated or declined. These two trends have made borrowing money for college essential for many students. In 2012, student loans amounted to a staggering $1 trillion in the United States, making it the largest source of loans second only to home mortgages." (pg. 85)
  • "Students may worry about these loans as they obtain them during school, as well as during the repayment period after graduation. Thus, these loans may confer some amount of psychosocial stress for student borrowers."  (pg. 86)
  • "Our data indicate that student loans are associated with poorer psychological functioning. This association is seen both for the cumulative amount of student loans borrowed across the course of schooling, as well as for the yearly amount of student loans borrowed while in college." (pg. 91)



  1. The value of this material is that I will be using it as the main case I will be studying in my paper and I will use it to provide a link between anxiety and privatization. I will also be using this case as evidence against counter arguments that the stress of college hasn't changed but instead this generation has become socially inept to cope  with the stress.

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