Research resources

Downloads & citation

Use these public materials to review, teach, cite, or extend the findings. All tabulations are aggregate and contain no respondent-level records.

Download the findings

Two resources, one documented story

PDF · 6 pages

Public research summary

A concise overview of the major survey findings, seven qualitative themes, methods, interpretive limits, and suggested citation.

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Excel workbook · 4 sheets

Public findings workbook

Includes a README, outcome codebook with exact available survey questions, documentation for all 11 comparison variables, and aggregate tabulations for all 19 outcomes.

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Suggested citation

Cite the project

Collier, Daniel A. (2026). More Than a Monthly Payment: A Mixed-Methods Portrait of Student Debt. University of Memphis. https://more-than-a-monthly-payment.daniel-anthony-colli.chatgpt.site

Important context

Read before using

Results are unweighted, available-case, and descriptive. Denominators vary by measure, displayed group differences have not been tested for statistical significance, and the findings do not establish causation.

Categories based on 15 or fewer respondents remain available but are marked as potentially unstable. Interview evidence adds context and is not statistically representative of all survey respondents.

Read the full methods and data notes →