學貸也是一個性別議題，為什麼？

全美超過1.5兆美元的學生貸款之中，有2/3是由女性承擔(1)。為什麼？

1.女性進入大學的人數已超過男性(2)

2.女性關於財務管理的相關知識或資訊較為缺乏(3)

3.一般家庭對女兒上大學的財務支持遠不如對兒子的支持(4)

4.同工不同酬的現象造成女性收入較低(5)，維持生活以外較少有剩餘可以償還債務，也更容易累積額外的利息/滯納金/違約金(6)

5.承4，為獲得更多的薪資，女性必須追求更高的學位（如：研究所以上），而更高的學位又意味著更多的貸款(7)

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(1)https://www.cnbc.com/2018/03/13/american-women-hold-two-thirds-of-all-student-debt-heres-why.html?fbclid=IwAR04nc1tLjH2BFnd6kzaBPUDHW_ixUXoHs5YdahqUIbbZ03Ti-ptsUth4Ys (2)https://www.theatlantic.com/education/archive/2017/08/why-men-are-the-new-college-minority/536103/?fbclid=IwAR30gl_-mFAq8M3DyRrJxdjRxcZKpFoTcLWZh3oOzYDtjBuFzVgfEAArFAY

(3)https://www.laurelroad.com/blog/survey-less-active-role-in-financial-lives-leaves-women-making-less-sacrificing-more/?fbclid=IwAR3kKxTby0DM3KBZk_cIZEMSuXg7GZ5GNmbN9lTAMnwMeHVpYtm4JlerH1I

(4)https://www.cnbc.com/2017/11/09/why-parents-save-more-to-send-sons-to-colleges-than-they-do-for-daughters.html?fbclid=IwAR03ZuvsOp9HCbvHx17n9-7W8gQvWEXZAMe1dtrS0UZuBYxjeMLDwGPKmN0

(5)https://cew-7632.kxcdn.com/wp-content/uploads/Women_FR_Web.pdf?fbclid=IwAR2stFUWhYk4wtvQSyh2EL5vR2Y2rOKqjxI5bG3jttHmQ8t_m1yMwZRpHps

(6)https://www.aauw.org/research/deeper-in-debt/?fbclid=IwAR2PEnO5LqnuFKaPVOTLl4Hf2JF1l7Rbzkhn6PEIGIQ4eBMikP3jeEJ9bJc

(7)https://www.brookings.edu/wp-content/uploads/2016/06/Is-a-Student-Loan-Crisis-on-the-Horizon.pdf?fbclid=IwAR21WihRnfOP_nFgui9Vxs-Me5k_6HrjmXUHSJl5qWZIMiiNIMoMf7ge2XA