Bullington, Kim E., David J. Thomas, Minghui Hou, William L. Nuckols, Dennis E. Gregory, Joshua L. Howell, Kaycee L. Bills, and Amy-Leah Joaquim. “Debt Decisions: The Effects of Paying for College in the United States With Student Loans”. International Journal of Changes in Education (April 24, 2025). Accessed May 14, 2025. https://ojs.bonviewpress.com/index.php/IJCE/article/view/3714.