Tag Archives: Independence

New study: outstanding student loans reduce a woman’s odds of marrying

The best majors for women to avoid student loan debt
Top 10 majors with the highest median earnings for women

First, the study, which was published in Demographic Research.

Abstract:

BACKGROUND

With increasing levels of student loan debt, the path to economic stability may be less smooth than it was for earlier generations of college graduates. This paper explores this emerging trend by assessing whether or not student loan debt influences family formation.

OBJECTIVE

The objective of this study is to examine whether student loan debt delays marriage in young adulthood, whether or not the relationship between student loan debt and marriage differs for women and for men, and if this relationship attenuates during the years immediately after college graduation.

METHODS We estimate a series of discrete-time hazard regression models predicting the odds of first marriage as a function of time-varying student loan debt balance, using a nationally representative sample of bachelor’s degree recipients from the 1993 Baccalaureate and Beyond Longitudinal Study (N = 9,410).

RESULTS We find that the dynamics of loan repayment are related to marriage timing for women, but not for men. Specifically, an increase of $1,000 in student loan debt is associated with a reduction in the odds of first marriage by 2 percent a month among female bachelor degree recipients during the first four years after college graduation. This relationship attenuates over time.

CONCLUSION Our study lends support to the proposition that the financial weight of monthly loan repayments impedes family formation in the years immediately following college graduation – however, only for women. This finding questions traditional models of gender specialization in family formation that emphasize the economic resources of men.

I think that a woman who is serious about studying something that will allow her to get a job related to her field so she can quickly pay off her loans in the first few years is a very good sign of RESPECT for a man, and for his role as primary/sole provider. Men choose tough majors / trades for a reason, and they do tough jobs for a reason. When a woman chooses something hard to study and then chooses a hard job to do to pay off her loans, it’s showing to her man that she respects what he is doing to provide for the family. I think this is something that parents need to encourage young women to do, but so often parents focus too much on spiritual / emotional concerns instead of practical wisdom when leading their kids.

When a woman asks a man to work to pay for the marriage – with all the costs of home, furniture, diapers, tuition, etc. – she is asking him for a commitment to work until he is 65. That is a lot to ask, and it is very hard to accept this from a woman who doesn’t understand the difficulty of earning and saving money.

So what do I recommend to a woman? I recommend she do a STEM degree, pay off her debts, guard her chastity, marry young when she is fertile, have a few years of work to pay off student loans and get used to the workplace, demonstrate ability in apologetics and mentoring others, etc. A wife needs to have a lot more skills than just being pretty and young. There are things she has to do in the marriage – things that take preparation. The more accustomed she is to hard work and self-sacrifice, the easier she will take to her role in the marriage. Women who are used to having to do hard things that they don’t feel like doing make the best wives and mothers. It’s something that a woman can grow into, if she lets herself be challenged to grow.

My friend Amy is fond of telling me that people usually adapt to their friends. So if all your friends are very spiritual and impractical, and they don’t have jobs or savings, then chances are you’ll be like them, too. To get out of debt, don’t take financial advice from people who, in their own lives, show no evidence of knowing what to study, how to find a job, how to save money, and so on. Instead of pushing away the people who “rain on your parade” with wisdom, grab them and keep them close. Watch what they do. Talk to them about your finances. Rely on them to hold you accountable for choosing a good major, updating your resume, and continuously growing your salary, through annual raises or job changes. That’s how you get better.

I don’t say these things in order to make women feel bad, or limit their freedom unnecessarily. I tell women to make good decisions to prepare for marriage, to practice self-denial and self-sacrifice, to choose the right men, to not be scared away by strong providers and men with moral and religious convictions. Although on one level, women can be scared off by men who have firm and definite convictions, they need to understand that these men are the most reliable men to marry. Men who don’t make demands on women usually don’t respond well to demands that women make on them. A strict moral and theological framework can seem scary to a woman – she might feel scared that she could be rejected. But it’s exactly these convictions that ground a man’s ability to keep loving her, to stick with her, and to encourage and support her as she grows.

Instead of being frightened by men who ask her to do good things, she should view it as an asset, not a liability. And the more she listens to his leading and grows, the more independent and capable she will be. She will feel better about doing hard things and playing a role. Better than she would feel about always choosing the easy way and then finding herself without accomplishments. Demanding men can be bad, but not if the demands they make are to build the woman up. The demand that a woman be serious about paying her debts with a real plan might seem scary to some women, but the study shows that this is good advice for her to be more attractive – to any man who might want to marry her.

To protect children, we need to tell women to choose conservative, traditional men

Women need to learn to choose a man who is prepared to be a father and husband
Women need to learn to choose men who are prepared to be a father and husband

Yesterday, I blogged about the hook-up culture, and how many young women were freely choosing to participate in it.  In their own words, the young, unmarried women explained how they wanted to have fun and get “acceptance” from men who were good-looking by having sex with them within minutes of meeting them. I argued that we needed to tell young, unmarried women not to be seeking fun and thrills, and that we need to oppose radical feminism and selfishness in the culture.

Well, a woman who had an irresponsible mom read that post and left a comment telling her story.

Here is the first comment from Mysterious M. in full:

I was born to a woman who fits a very similar description to what you describe here in your post, WK, so perhaps it would be apropos for me to share my experience being raised by her.

My mom was brought up in a Christian home but allowed herself to be influenced by the feminist movement of the 60s and 70s after she left home. She spent one year in college, got a job, got married and then divorced within a few years (no kids). She met my dad in a bar after her divorce. She celebrated her divorce by going out drinking, btw. My dad was married at the time they met and had been previously married, as well, and had a slew of kids scattered across the country. His current wife was also pregnant. My half sister was born 3 weeks before me, in the same hospital.

Once she found out she was pregnant, she realized that I’d be better off without him around and told him to leave, which he did without any argument, unsurprisingly. I asked her once what she saw in him and she said, “Well, he was funny.” So she slept with him. No matter that he had a wife, ex-wives, kids, etc. Those things aren’t important when you’re out looking for a good time for yourself.

I was a teenager before I knew who my dad was and how I came into being. After I was born she did start to attend church and put me in Christian school and attempted to raise me in a Christian home. However, she never once told me that she thought she’d done anything wrong or that she was sorry for the pain that her decisions caused me. I went through years of anguish, depression, an eating disorder that almost killed me and other behavioral problems clearly stemming from the feelings of abandonment I experienced and her continuously irresponsible behavior, but never once did it appear to cross her mind that she might be responsible for any of this.

Although my mom appeared from the outside to have changed her ways, in hindsight I see that the reckless independence she acquired from her years away from family and church never really left. They switched from outwardly rebellious behavior, like dating married men, to more private bad habits to fulfill her desire for fun and excitement, like internet gambling and reckless spending on credit cards (to the tune of 70K at last count). I think these were also attempts to distract and comfort herself when she was lonely. When she got older, she resented that she didn’t have a husband to take care of her and enjoy a simple life with, but never seemed to put it together that her choices pretty much precluded her from that opportunity.

Although she’s faithfully attended church since my childhood and read her Bible, etc, I have never, ever once heard her admit that she sinned by doing any of these things, or that they were bad decisions that caused unnecessary hurt and harm to her child or herself. If anything, she still seems to think that it’s kind of funny or cute that she, an otherwise quiet, reserved, seemingly respectable woman, has a torrid past that resulted in an affair with a married man and a child to commemorate the event. I almost sense she’s proud of it, to this day, and that makes me very sad and scared for her.

She’s dying now and her mind is going. She says she’s ready to meet the Lord, and I can only hope that between herself and Him, she’s made things right, although I’ve seen very little fruit speaking to that possibility. She talks the talk, but seeing her walk up close and in person, I’m left with more questions than answers about whether she really ever submitted to Christ. It just doesn’t show to me, and I probably know her better than anyone else. She’s left an enormous mess financially for my husband and I to cope with and she can no longer distract herself with spending sprees, so the bitterness caused by her life decisions have finally caught up with her and there’s no avoiding them now.

I guess from my perspective, when I see young woman who claim to be Christian but are living the most important aspects of their lives out in the way the rest of the world says is acceptable, it makes me very confused about what they really believe. I purposely waited for sex until marriage, chose a man with good morals and a good job and did everything in power to stay as far away from the hook-up culture as possible. I know the pain that comes from such foolish living. I can’t fathom why any Christian woman would engage in such foolish and selfish behavior as the ones I see doing this very thing today. They do not know what it means to know, serve and love Christ. They are too busy loving and serving themselves to see what a dangerous path they are traveling.

There are a couple more comments now.

Here’s an excerpt from one:

My mom was raised in a loving home with Christian parents and grew up very involved in church. My grandmother ran the Sunday school program for years. My other aunts and uncles led decent, moral, Christian lives. My mom wanted to do something more exciting. She was rebellious, plain and simple. She thought it was funny. If she had been raised in a situation that was equally as bad as the one she created, I could feel more sympathy. But she was raised differently than what she chose. I don’t understand it but I watched my own Christian friends do the same thing as a teen and young adult. It’s so perplexing to me. They’re raised in a stable Christian household and then choose the most unstable and reckless men because of the feelings those men inspired. I was the product of those feelings and knew from a young age I’d rather stay single and chaste the rest of my life than end up repeating the choices that my parents made.

And an excerpt from a later one:

I know it’s popular to say that any time someone makes bad choices, it’s because they are hurting and are acting out. But once you reach adulthood and have a child, you forfeit your right to make excuses for your behavior. You either change or you risk damaging the children you’ve been entrusted with.

Regarding WK’s comment about condoning her recklessness, I will say this. To my mom, any relationship that involved conflict was disposable. I know that other Christians tried to confront her, and she rejected them. She cut them out, no holds barred. If you didn’t agree, you were not a part of her circle. For those who were close, she was very adept at keeping secrets. Even I didn’t know the breadth of the destructiveness of certain aspects of her life until recently, I was her closest confidant. People who are desperate to keep secrets are typically fairly adept at doing so, at least for a while. Eventually it catches up, but often it’s far too late to do any real remediation. At that point it’s just a matter of salvaging what you can and trying to cope with the rest as best as possible.

[…]Bottom line: excuses or not, bad decisions create bad consequences and are generally pretty avoidable if you’re willing to be humble and submit to Christ, regardless of the circumstances. Helping people identify excuses does not help them avoid these consequences. Only by pointing out the truth, no matter the friction it might cause, can we help people on a bad path see the error of their ways and offer them any real hope.

That is a situation (text in bold) that I have experienced myself.

New study: outstanding student loans reduce a woman’s odds of marrying

First, the study, which was published in Demographic Research.

Abstract:

BACKGROUND

With increasing levels of student loan debt, the path to economic stability may be less smooth than it was for earlier generations of college graduates. This paper explores this emerging trend by assessing whether or not student loan debt influences family formation.

OBJECTIVE

The objective of this study is to examine whether student loan debt delays marriage in young adulthood, whether or not the relationship between student loan debt and marriage differs for women and for men, and if this relationship attenuates during the years immediately after college graduation.

METHODS We estimate a series of discrete-time hazard regression models predicting the odds of first marriage as a function of time-varying student loan debt balance, using a nationally representative sample of bachelor’s degree recipients from the 1993 Baccalaureate and Beyond Longitudinal Study (N = 9,410).

RESULTS We find that the dynamics of loan repayment are related to marriage timing for women, but not for men. Specifically, an increase of $1,000 in student loan debt is associated with a reduction in the odds of first marriage by 2 percent a month among female bachelor degree recipients during the first four years after college graduation. This relationship attenuates over time.

CONCLUSION Our study lends support to the proposition that the financial weight of monthly loan repayments impedes family formation in the years immediately following college graduation – however, only for women. This finding questions traditional models of gender specialization in family formation that emphasize the economic resources of men.

I think that a woman who is serious about studying something that will allow her to get a job related to her field so she can quickly pay off her loans in the first few years is a very good sign of RESPECT for a man, and for his role as primary/sole provider. Men choose tough majors / trades for a reason, and they do tough jobs for a reason. When a woman chooses something hard to study and then chooses a hard job to do to pay off her loans, it’s showing to her man that she respects what he is doing to provide for the family. I think this is something that parents need to encourage young women to do, but so often parents focus too much on spiritual / emotional concerns instead of practical wisdom when leading their kids.

When a woman asks a man to work to pay for the marriage – with all the costs of home, furniture, diapers, tuition, etc. – she is asking him for a commitment to work until he is 65. That is a lot to ask, and it is very hard to accept this from a woman who doesn’t understand the difficulty of earning and saving money.

So what do I recommend to a woman? I recommend she do a STEM degree, pay off her debts, guard her chastity, marry young when she is fertile, have a few years of work to pay off student loans and get used to the workplace, demonstrate ability in apologetics and mentoring others, etc. A wife needs to have a lot more skills than just being pretty and young. There are things she has to do in the marriage – things that take preparation. The more accustomed she is to hard work and self-sacrifice, the easier she will take to her role in the marriage. Women who are used to having to do hard things that they don’t feel like doing make the best wives and mothers. It’s something that a woman can grow into, if she lets herself be challenged to grow.

My friend Amy is fond of telling me that people usually adapt to their friends. So if all your friends are very spiritual and impractical, and they don’t have jobs or savings, then chances are you’ll be like them, too. To get out of debt, don’t take financial advice from people who, in their own lives, show no evidence of knowing what to study, how to find a job, how to save money, and so on. Instead of pushing away the people who “rain on your parade” with wisdom, grab them and keep them close. Watch what they do. Talk to them about your finances. Rely on them to hold you accountable for choosing a good major, updating your resume, and continuously growing your salary, through annual raises or job changes. That’s how you get better.

I don’t say these things in order to make women feel bad, or limit their freedom unnecessarily. I tell women to make good decisions to prepare for marriage, to practice self-denial and self-sacrifice, to choose the right men, to not be scared away by strong providers and men with moral and religious convictions. Although on one level, women can be scared off by men who have firm and definite convictions, they need to understand that these men are the most reliable men to marry. Men who don’t make demands on women usually don’t respond well to demands that women make on them. A strict moral and theological framework can seem scary to a woman – she might feel scared that she could be rejected. But it’s exactly these convictions that ground a man’s ability to keep loving her, to stick with her, and to encourage and support her as she grows.

Instead of being frightened by men who ask her to do good things, she should view it as an asset, not a liability. And the more she listens to his leading and grows, the more independent and capable she will be. She will feel better about doing hard things and playing a role. Better than she would feel about always choosing the easy way and then finding herself without accomplishments. Demanding men can be bad, but not if the demands they make are to build the woman up. The demand that a woman be serious about paying her debts with a real plan might seem scary to some women, but the study shows that this is good advice for her to be more attractive – to any man who might want to marry her.