Date Approved


Graduate Degree Type


Degree Name

Education-Higher Education (M.Ed.)

Degree Program

College of Education

First Advisor

Dr. Paul Bylsma

Academic Year



For many college students, taking out student loans is a necessary step towards higher education, yet it often leads to accumulated debt that can seem insurmountable. This project intends to investigate the implications of student loan debt, such as homeownership, household debt, and other life goals, and educate borrowers on the potential repercussions. Using Becker's (1993) Human Capital theory, I will examine the investment logic behind student loan borrowing, framing debt as a calculated risk for future gain. This project also uses Crenshaw's (1989) Intersectionality theory to extend beyond the scope of the average borrower and highlight the demographic groups most disproportionately impacted by student loan debt. In response to the challenges of repaying student loans, a workshop on student loan debt was developed with a dual focus: to enhance financial literacy and to navigate the intricacies of debt that may be amplified by individual identity or specific circumstances. The workshop focuses on arming student loan borrowers with essential strategies for effective debt management. The project seeks to mitigate the immediate burdens of student loan debt and contribute to a broader cultural shift toward financial literacy and empowerment among recent graduates.