Ekstrom, Ruth B. 1992. <em>Attitudes Toward Borrowing and Participation in Postsecondary Education.</em> New York: College Board. Accessed September 30, 2008, from http://professionals.collegeboard.com/research/pdf/RR%2092-6.PDF.<br />
<br />
Using High School and Beyond, a National Center for Education Statistics (NCES) survey, the author examines the relationship between students&#8218; stated willingness to borrow and the college decisions they make. Without enough money to pay for college expenses, high school seniors who choose to take out student loans rather than working more, delaying college entry, or choosing a different college, are more likely to attend college within four years of graduating from high school. Among college-goers, students who are willing to borrow are also more likely to attend four-year colleges. Low-income and minority students were less likely to express a willingness to borrow to pay college expenses. To encourage low-income and minority student enrollment, Ekstrom recommends that institutions offer these students grant and work-study aid in addition to loans.