Young adults at the turn of the 21st century came of age in a time of unprecedented access to credit but slowed growth in earnings, resulting in a dramatic increase in indebtedness. Debt has been little studied by sociologists, even though it is increasingly important in financing both attainment and a middle-class lifestyle, especially for youth in the transition to adulthood. We study the consequences of indebtedness for young adults’ sense of teens self esteem reading article pdf and self-esteem as stratified by class.
Research suggests that young people have divergent perspectives on debt: some focus on credit as a necessary investment in status attainment, while others worry that readily available credit invites improvidence that can erode the self-concept as debt encumbers achievement and future consumption and increases a sense of powerlessness. We find that both education and credit-card debt increase mastery and self-esteem, supporting the hypothesis that young people experience debt as an investment in the future, and contradicting the expectation that debt used to finance current spending will lower mastery and self-esteem. Our expectation that debt effects are accentuated for those of lower- and middle-class origins but blunted for those of upper-class origins is supported. We find, however, that the positive effects of debt appear to wane among the oldest young adults, suggesting the stresses of debt may mount with age.
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We conclude that further study of the long-term consequences of debt will be essential for advancing contemporary stratification theory and research. Check if you have access through your login credentials or your institution. Read about it, talk about it, and think about it! Find ways for yourchild to build understanding, the ultimate goal of learning how toread. The tips below offer some fun ways you can help your childbecome a happy and confident reader. Try a new tip each week. Seewhat works best for your child.