Table 1. Borrowing attitudes toward...

Table 1.

Borrowing attitudes toward graduate loans: rotated component matrix^a

Loaded debt attitude items ^b	Factor 1	Factor 2
Getting into debt with the student loan to pursue the master's degree would be for me:
Stressful 1 - 2 - 3 - 4 - 5 - 6 - 7 Relaxing	0.5106	−0.2253
Uncomfortable 1 - 2 - 3 - 4 - 5 - 6 - 7 Comfortable	0.3823	−0.0675
Worrying 1 - 2 - 3 - 4 - 5 - 6 - 7 Rewarding	0.3768	−0.0593
Harmful 1 - 2 - 3 - 4 - 5 - 6 - 7 Beneficial	−0.0625	0.3809
Useless 1 - 2 - 3 - 4 - 5 - 6 - 7 Useful	−0.2325	0.5189
Inadvisable 1 - 2 - 3 - 4 - 5 - 6 - 7 Advisable	−0.0513	0.3701
Cronbach’s alpha (n = 525)	0.837	0.840
Mean (S.D.) of the attitude scale (affective dimension); n = 525	3.204 (1.274)
Mean (S.D.) of the attitude scale (cognitive dimension); n = 525		4.721 (1.285)

Loaded debt attitude items ^b	Factor 1	Factor 2
Getting into debt with the student loan to pursue the master's degree would be for me:
Stressful 1 - 2 - 3 - 4 - 5 - 6 - 7 Relaxing	0.5106	−0.2253
Uncomfortable 1 - 2 - 3 - 4 - 5 - 6 - 7 Comfortable	0.3823	−0.0675
Worrying 1 - 2 - 3 - 4 - 5 - 6 - 7 Rewarding	0.3768	−0.0593
Harmful 1 - 2 - 3 - 4 - 5 - 6 - 7 Beneficial	−0.0625	0.3809
Useless 1 - 2 - 3 - 4 - 5 - 6 - 7 Useful	−0.2325	0.5189
Inadvisable 1 - 2 - 3 - 4 - 5 - 6 - 7 Advisable	−0.0513	0.3701
Cronbach’s alpha (n = 525)	0.837	0.840
Mean (S.D.) of the attitude scale (affective dimension); n = 525	3.204 (1.274)
Mean (S.D.) of the attitude scale (cognitive dimension); n = 525		4.721 (1.285)

Notes:

^aExtraction method = principal component analysis. Rotation method = varimax with Kaiser normalization; ^bAttitudes toward graduate student loans scale (created for the present study). Adapted from Ajzen (1991, 2019), Conner and Sparks (2005), and Sotiropoulos and d’Astous (2013), mainly; The analysis was performed using Stata® 17 statistical software

Source: Author’s elaboration

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