Graduation Year
2024
Document Type
Dissertation
Degree
Ph.D.
Degree Name
Doctor of Philosophy (Ph.D.)
Degree Granting Department
Leadership, Policy, and Lifelong Learning
Major Professor
Michael Denton, Ph.D.
Committee Member
Amber Dumbford, Ph.D.
Committee Member
Deirdre Cobb-Roberts, Ph.D.
Committee Member
Fai Howard, Ph.D.
Keywords
college affordability, student loan aversion, student loans, money story
Abstract
The purpose of this qualitative study was to explore the experiences of first-generation Black women who completed at least a bachelor’s degree without student loans. While Black women are most burdened by student loan debt, little is known about the experiences of those who navigate college without accruing student loans. Combining endarkened feminist epistemology with the family financial socialization model, I developed the endarkened financial socialization model to guide this inquiry. Using endarkened narrative inquiry, I engaged eight first-generation Black women who completed college without student loan debt in semi-guided conversations about the financial messages they received growing up and how those messages impacted their experience navigating college without student loans. Findings from this endarkened narrative inquiry revealed five themes: a) the importance of community; b) incomplete financial education, c) fear of student loans; d) hustle mentality; and e) pride and regret.
Scholar Commons Citation
Henry, Candace Marie, "Avoiding the Debt Sentence: A Narrative Inquiry on the Endarkened Financial Socialization of Student Debt-Free, First-Generation Black College Women" (2024). USF Tampa Graduate Theses and Dissertations.
https://digitalcommons.usf.edu/etd/10198
