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Student loan repayment concerns are influenced by marital status, income levels, race, and levels of financial literacy but not by age, area of residence, household size, work status, or gender. Students who are single, live in higher-income households, are non–African Americans, or are more financially literate are less likely to have repayment concerns. The negative and statistically significant coefficient for payoff suggests that borrowers who worry about repaying their student loan debts are less likely to rank their health as very good or excellent. Consequently, loan repayment concerns adversely affect how students rank their overall health status.


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