Paying back student loans: Demographic,human capital and other correlates of default and repayment difficulty

Government‐sponsored student loans have emerged over the decades as a primary method of financing post‐secondary education across most North American jurisdictions. Despite this, the empirical literature examining the correlates of repayment difficulty and default in Canada has remained stagnant in recent years. This study taps into an underutilised data source—the 2013 National Graduates Survey—to examine the relationship between demographics, human capital, borrowing behaviour and other known predictors and repayment difficulty. Our logistic regression models demonstrate that disability status, geographic region and borrowing behaviour are correlated with loan default and repayment difficulty, while failing to verify the existence of other demographic effects routinely found in the existing literature. We discuss the implications of these findings, along with multiple avenues for further empirical work on this topic within Canada.     

Towards An Understanding of Muslim American Adolescent High School Experiences

The researchers conducted a grounded theory study to explore the experiences of Muslim American adolescents in high school. Findings indicate that students had to navigate unique challenges because of their religious faith, but those obstacles presented opportunities to confront bias and discrimination. Recommendations for how school counselors can support the development of Muslim American adolescents are presented.     

Deciding How Much to Share in Class: A Study of the Experiences of Students of Color Enrolled in Multicultural Counseling Courses

This qualitative study investigated the experiences of Students of Color in multicultural counseling courses in relation to classroom participation. Results suggest several complex tensions that Students of Color experience when deciding whether and how much to participate in class. Implications for multicultural training are provided.     

Multicultural Training Resistances: Critical Incidents for Students of Color

Thirty‐two master’s students of color reported critical incidents of multicultural learning resistances. Qualitative findings suggest that students attributed resistances to limited program diversity and attention to cultural dynamics. Quantitative analyses indicate a racial difference in how students’ perceptions of peers influenced resistances. Recommendations include increasing educator cultural dialogue facilitation skills.     

Multicultural Course Pedagogy: Experiences of Master's‐Level Students of Color

The author conducted a grounded theory study to examine multicultural training as experienced by 20 master's‐level students of color enrolled in multicultural counseling courses. Findings revealed an emergent theory of student of color learning experiences and multicultural course pedagogy. Implications for counselor educators are discussed.