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In Debt: Student Loan Burdens among Teachers [Brief]

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Title: In Debt: Student Loan Burdens among Teachers [Brief]
Language: English
Authors: Wesley Wei, Emma García, Michael A. DiNapoli, Susan Kemper Patrick, Melanie Leung-Gagné, Learning Policy Institute
Source: Learning Policy Institute. 2025.
Availability: Learning Policy Institute. 1530 Page Mill Road Suite 200, Palo Alto, CA 94304. Tel: 650-332-9797; e-mail: info@learningpolicyinstitute.org; Web site: https://learningpolicyinstitute.org
Peer Reviewed: Y
Page Count: 10
Publication Date: 2025
Document Type: Reports - Descriptive
Education Level: Higher Education
Postsecondary Education
Descriptors: Student Financial Aid, Debt (Financial), Loan Repayment, Teacher Qualifications, Barriers, Teacher Education Programs, Beginning Teachers, Special Education Teachers, Minority Group Teachers, Stress Variables, Teacher Shortage, Teacher Persistence, Career Change, Public Policy, Teacher Certification, Teacher Salaries, Well Being, Teacher Characteristics, Paying for College
Abstract: Efforts to build a well-prepared, stable, and diverse teacher workforce can face many challenges; these include lower compensation than comparable college-degree careers and high costs of credentialing. More than 6 in 10 teachers have taken out student loans to support their education, and close to 4 in 10 are still repaying them. Student loan borrowing and repayment rates are highest among beginning teachers, special education teachers, and Black teachers. These loans require many teachers to take second jobs and result in high levels of loan-related stress. Student loan burdens may contribute to teacher shortages and influence the workforce composition: They can disincentivize entry into the profession, dissuade teachers from seeking additional certification, or affect teachers' decisions to stay. Policies to address teachers' student loan burdens include expanding service scholarship and loan forgiveness programs; expanding affordability and availability of high-retention preparation pathways; increasing total compensation; and underwriting the costs of earning high-need, advanced credentials.
Abstractor: As Provided
Entry Date: 2025
Accession Number: ED670955
Database: ERIC
FullText Text:
  Availability: 0
CustomLinks:
  – Url: https://eric.ed.gov/contentdelivery/servlet/ERICServlet?accno=ED670955
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PubType: Report
PubTypeId: report
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  Data: In Debt: Student Loan Burdens among Teachers [Brief]
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  Data: English
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  Data: <searchLink fieldCode="AR" term="%22Wesley+Wei%22">Wesley Wei</searchLink><br /><searchLink fieldCode="AR" term="%22Emma+García%22">Emma García</searchLink><br /><searchLink fieldCode="AR" term="%22Michael+A%2E+DiNapoli%22">Michael A. DiNapoli</searchLink><br /><searchLink fieldCode="AR" term="%22Susan+Kemper+Patrick%22">Susan Kemper Patrick</searchLink><br /><searchLink fieldCode="AR" term="%22Melanie+Leung-Gagné%22">Melanie Leung-Gagné</searchLink><br /><searchLink fieldCode="AR" term="%22Learning+Policy+Institute%22">Learning Policy Institute</searchLink>
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  Data: <searchLink fieldCode="SO" term="%22Learning+Policy+Institute%22"><i>Learning Policy Institute</i></searchLink>. 2025.
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  Data: Learning Policy Institute. 1530 Page Mill Road Suite 200, Palo Alto, CA 94304. Tel: 650-332-9797; e-mail: info@learningpolicyinstitute.org; Web site: https://learningpolicyinstitute.org
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  Data: Y
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  Data: 10
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  Data: 2025
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  Data: Reports - Descriptive
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  Data: <searchLink fieldCode="EL" term="%22Higher+Education%22">Higher Education</searchLink><br /><searchLink fieldCode="EL" term="%22Postsecondary+Education%22">Postsecondary Education</searchLink>
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  Label: Descriptors
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  Data: <searchLink fieldCode="DE" term="%22Student+Financial+Aid%22">Student Financial Aid</searchLink><br /><searchLink fieldCode="DE" term="%22Debt+%28Financial%29%22">Debt (Financial)</searchLink><br /><searchLink fieldCode="DE" term="%22Loan+Repayment%22">Loan Repayment</searchLink><br /><searchLink fieldCode="DE" term="%22Teacher+Qualifications%22">Teacher Qualifications</searchLink><br /><searchLink fieldCode="DE" term="%22Barriers%22">Barriers</searchLink><br /><searchLink fieldCode="DE" term="%22Teacher+Education+Programs%22">Teacher Education Programs</searchLink><br /><searchLink fieldCode="DE" term="%22Beginning+Teachers%22">Beginning Teachers</searchLink><br /><searchLink fieldCode="DE" term="%22Special+Education+Teachers%22">Special Education Teachers</searchLink><br /><searchLink fieldCode="DE" term="%22Minority+Group+Teachers%22">Minority Group Teachers</searchLink><br /><searchLink fieldCode="DE" term="%22Stress+Variables%22">Stress Variables</searchLink><br /><searchLink fieldCode="DE" term="%22Teacher+Shortage%22">Teacher Shortage</searchLink><br /><searchLink fieldCode="DE" term="%22Teacher+Persistence%22">Teacher Persistence</searchLink><br /><searchLink fieldCode="DE" term="%22Career+Change%22">Career Change</searchLink><br /><searchLink fieldCode="DE" term="%22Public+Policy%22">Public Policy</searchLink><br /><searchLink fieldCode="DE" term="%22Teacher+Certification%22">Teacher Certification</searchLink><br /><searchLink fieldCode="DE" term="%22Teacher+Salaries%22">Teacher Salaries</searchLink><br /><searchLink fieldCode="DE" term="%22Well+Being%22">Well Being</searchLink><br /><searchLink fieldCode="DE" term="%22Teacher+Characteristics%22">Teacher Characteristics</searchLink><br /><searchLink fieldCode="DE" term="%22Paying+for+College%22">Paying for College</searchLink>
– Name: Abstract
  Label: Abstract
  Group: Ab
  Data: Efforts to build a well-prepared, stable, and diverse teacher workforce can face many challenges; these include lower compensation than comparable college-degree careers and high costs of credentialing. More than 6 in 10 teachers have taken out student loans to support their education, and close to 4 in 10 are still repaying them. Student loan borrowing and repayment rates are highest among beginning teachers, special education teachers, and Black teachers. These loans require many teachers to take second jobs and result in high levels of loan-related stress. Student loan burdens may contribute to teacher shortages and influence the workforce composition: They can disincentivize entry into the profession, dissuade teachers from seeking additional certification, or affect teachers' decisions to stay. Policies to address teachers' student loan burdens include expanding service scholarship and loan forgiveness programs; expanding affordability and availability of high-retention preparation pathways; increasing total compensation; and underwriting the costs of earning high-need, advanced credentials.
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  Data: 2025
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  Label: Accession Number
  Group: ID
  Data: ED670955
PLink https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=eric&AN=ED670955
RecordInfo BibRecord:
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    Languages:
      – Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 10
    Subjects:
      – SubjectFull: Student Financial Aid
        Type: general
      – SubjectFull: Debt (Financial)
        Type: general
      – SubjectFull: Loan Repayment
        Type: general
      – SubjectFull: Teacher Qualifications
        Type: general
      – SubjectFull: Barriers
        Type: general
      – SubjectFull: Teacher Education Programs
        Type: general
      – SubjectFull: Beginning Teachers
        Type: general
      – SubjectFull: Special Education Teachers
        Type: general
      – SubjectFull: Minority Group Teachers
        Type: general
      – SubjectFull: Stress Variables
        Type: general
      – SubjectFull: Teacher Shortage
        Type: general
      – SubjectFull: Teacher Persistence
        Type: general
      – SubjectFull: Career Change
        Type: general
      – SubjectFull: Public Policy
        Type: general
      – SubjectFull: Teacher Certification
        Type: general
      – SubjectFull: Teacher Salaries
        Type: general
      – SubjectFull: Well Being
        Type: general
      – SubjectFull: Teacher Characteristics
        Type: general
      – SubjectFull: Paying for College
        Type: general
    Titles:
      – TitleFull: In Debt: Student Loan Burdens among Teachers [Brief]
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            NameFull: Susan Kemper Patrick
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              Y: 2025
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