This study explores student loans, family support, and reciprocity during the transition out of college into adulthood. We examine experiences of family financial assistance and co-living among college students and graduates with loans, and whether support and reciprocity systematically differed by loan presence. We conducted four waves of qualitative interviews with college graduates with loans at two public universities, in their senior year and annually for three years after graduation (N=24 participants, 72 interviews), and collected two rounds of survey data with undergraduates (N=3251) and graduates 15 months after graduation (N=176) from the same universities. Financial support from and living with family was common. Those with loans gave more money to family, even when they did not live with them. Interviews revealed that reciprocity, or expectations to help family in return for help received, could be burdensome. Findings indicate that receiving help may prolong—but also facilitate—the transition to adulthood.

中文翻译：

---

过渡到成年期的学生贷款债务、家庭支持和互惠

本研究探讨了从大学过渡到成年期间的学生贷款、家庭支持和互惠。我们研究了有贷款的大学生和毕业生的家庭经济援助和共同生活的经历，以及支持和互惠是否因贷款存在而系统地不同。我们对两所公立大学的贷款大学毕业生进行了四轮定性访谈，分别在大四和毕业后三年（N = 24 名参与者，72 次访谈），并收集了两轮本科生的调查数据（N = 3251) 和毕业后 15 个月的毕业生 ( N=176）来自同一所大学。来自家人的经济支持和与家人同住很常见。那些有贷款的人给家人更多的钱，即使他们不和他们住在一起。采访显示，互惠或期望帮助家人以换取所获得的帮助可能是沉重的负担。研究结果表明，接受帮助可能会延长——但也有助于——向成年过渡。