Over a third (36.7%) of borrowing teachers have worked multiple jobs because of student loans, and the share rises with monthly repayment amounts¶

Claim · All claims
Evidence · 1 study (2 entries) · associational r2 · q3
Currency · newest study 2023 · not yet checked against its sources · not reviewed by a person · recheck by 2028: baselines and conditions change

Subclaims¶

q3 i? 36.7% of borrowing teachers reported having ever worked multiple jobs at the same time because of their student loans. → García 2023 q3 i? Teachers with monthly repayments at or above the median report working multiple jobs at higher rates than those below the median, across experience levels. → García 2023 (2)

Evidence¶

García 2023¶

García, E., Wei, W., Patrick, S. K., Leung-Gagné, M., & DiNapoli, M. A., Jr. (2023). In debt: Student loan burdens among teachers. Learning Policy Institute. https://doi.org/10.54300/497.986

q3 · i? · associational · r2

NTPS 2020–21 question to borrowing teachers on employment decisions (Figure 7): "more than one third of borrowing teachers (36.7%) reported having ever worked multiple jobs at the same time because of student loans." No fewer than 1 in 3 in each subgroup.

"more than one third of borrowing teachers (36.7%) reported having ever worked multiple jobs at the same time because of student loans."

García 2023 (2)¶

García, E., Wei, W., Patrick, S. K., Leung-Gagné, M., & DiNapoli, M. A., Jr. (2023). In debt: Student loan burdens among teachers. Learning Policy Institute. https://doi.org/10.54300/497.986

q3 · i? · associational · r2

Figure 8 analysis (median monthly repayment $280) shows repayment amount is correlated with multiple-job holding: among teachers with 16–20 years of experience, "45.4% of teachers whose repayment amount exceeds the median" versus "31.1% of teachers paying amounts below the median."

"larger shares of teachers have worked multiple jobs if their monthly repayment amount is higher than the median compared to teachers paying amounts below the median. For example, among teachers who have 16–20 years of experience, 45.4% of teachers whose repayment amount exceeds the median reported having worked at more than one job simultaneously, compared with 31.1% of teachers paying amounts below the median."

Discussion¶

Related Claims¶

• Black teachers have the highest borrowing and repayment rates of all subgroups studied, with 31.4% still owing their entire balance — nearly 3 times the share of all teachers — related
• Beginning teachers borrow at much higher rates than experienced teachers, with about 65% of teachers in their first 10 years having ever borrowed versus 41.4% of those with more than 30 years — related
• Black teachers were more likely than other teachers to have borrowed for their education and to report high stress from student loan debt — related
• About 60% of teachers repaying student loans report high or very high loan-related stress, which is correlated with overall job-related stress — related
• Special education teachers are the most likely of all subject-area teachers to have borrowed (65.2%) and to owe their entire balance (15.4%) — related