This study finds a negative effect of holding student-loan debt on the life satisfaction of household heads using longitudinal data from the 2011 to 2017 U.S. Panel Study of Income Dynamics and a fixed-effects modeling approach. Although debt is taken to improve future utility, it provides disutility to the head of household until it is paid off. Thus, financial planners and educators should remind their clients about the consequences of holding student-loan debt in the short term, not just the future benefits.

中文翻译：

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家庭学生债务对生活满意度的影响

这项研究使用2011年至2017年美国收入动态面板研究的纵向数据和固定效应建模方法，发现持有学生贷款债务对户主的生活满意度有负面影响。尽管背负债务是为了改善未来的效用，但它给户主带来了效用，直到还清为止。因此，理财计划者和教育者应该提醒他们的客户短期内持有学生贷款债务的后果，而不仅仅是未来的收益。