The Repository @ St. Cloud State

Open Access Knowledge and Scholarship

Culminating Project Title

Factors Contributing To Student Loan Debt

Date of Award


Culminating Project Type


Degree Name

Higher Education Administration: Ed.D.


Educational Administration and Higher Education


School of Education

First Advisor

Steve McCullar

Second Advisor

Lynn MacDonald

Third Advisor

Jennifer Jones

Fourth Advisor

David Wall

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License.

Keywords and Subject Headings

student debt, financial literacy


The costs of higher education continue to rise each year and students are faced with increasing levels of tuition and fees to obtain their degrees. With research showing the benefits of post-secondary degrees, it is important for institutions to educate students on financial literacy and loan choices to ensure they are informed consumers. Using qualitative research, this study focuses on St. Cloud State University students to understand how a regional comprehensive institution can proactively work to help students through the student loan process by examining factors that contribute to student loan debt.



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