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How do working-class students perceive debt regarding higher education, according to Callender and Jackson (2005)?

  1. They view it as an opportunity

  2. They see it negatively

  3. They are indifferent to it

  4. They consider it a necessity

The correct answer is: They see it negatively

Working-class students perceive debt regarding higher education negatively, according to the findings presented by Callender and Jackson (2005). Their research reveals that these students often associate the prospect of incurring debt with anxiety and fear, viewing it as a significant financial burden that could have long-lasting implications. This negative perception stems from their awareness of the economic challenges they and their families face, leading to concerns about the implications of taking on loans for tuition and other expenses. The fear of debt may discourage them from pursuing higher education altogether, highlighting a crucial barrier in access to educational opportunities. This perspective contrasts sharply with how some other groups might interpret debt as an investment or an opportunity for future gains, illustrating the different experiences and backgrounds that shape students' attitudes towards financing their education.