{"id":20266,"date":"2022-02-01T00:00:37","date_gmt":"2022-02-01T00:00:37","guid":{"rendered":"https:\/\/www.tamus.edu\/data-science\/?p=20266"},"modified":"2023-02-28T22:56:29","modified_gmt":"2023-02-28T22:56:29","slug":"student-debt-to-1st-year-earnings-thecb-60x30tx-goals","status":"publish","type":"post","link":"https:\/\/www.tamus.edu\/data-science\/2022\/02\/01\/student-debt-to-1st-year-earnings-thecb-60x30tx-goals\/","title":{"rendered":"Student Debt to 1st-Year Earnings: THECB&#8217;s 60x30TX Goals"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20266\" class=\"elementor elementor-20266\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5936e85f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5936e85f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-178ebc78\" data-id=\"178ebc78\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-173cbb13 elementor-widget elementor-widget-text-editor\" data-id=\"173cbb13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3664dfa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3664dfa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-38d7076\" data-id=\"38d7076\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6545fcd elementor-widget elementor-widget-heading\" data-id=\"6545fcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Student Debt to 1st-Year Earnings: THECB's 60x30TX Goals<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21c62db elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21c62db\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-680805b\" data-id=\"680805b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95f2138 elementor-widget elementor-widget-text-editor\" data-id=\"95f2138\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This blog post is the second in our series exploring student loan debt. Our <a href=\"https:\/\/www.tamus.edu\/data-science\/2022\/01\/15\/exploring-student-debt-thecb-60x30tx-goals\/\">previous blog post<\/a>\u00a0showed promising trends in terms of the percentage of bachelor&#8217;s graduates at Texas public universities who graduate with student loan debt <b>decreasing from 62.5% in 2014 to 56.4% in 2020<\/b>, as well the\u00a0<span style=\"background-color: #ffffff; font-size: 16px; font-weight: bold; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">statewide median debt amount dropping from $26,564 per graduate in 2014 to $25,207 in 2020<\/span><span style=\"background-color: #ffffff; font-size: 16px; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif;\"><b>.<\/b>\u00a0We now turn our attention to the Texas Higher Education Coordinating Board&#8217;s (THECB) &#8220;Student Debt&#8221; goal as stated in the <a href=\"http:\/\/www.60x30tx.com\/\">60x30TX Plan<\/a>: <i>Undergraduate student loan debt will not exceed 60% of first-year wages for graduates of Texas public institutions<\/i>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4786cc7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4786cc7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd17e58\" data-id=\"cd17e58\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f022d6 elementor-widget elementor-widget-heading\" data-id=\"3f022d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comparing Debt and Earnings at Public Universities<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-204256d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"204256d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34ecc36\" data-id=\"34ecc36\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ba62ab elementor-widget elementor-widget-text-editor\" data-id=\"4ba62ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Based on the <a href=\"http:\/\/60x30tx.com\/goals\/\">THECB&#8217;s stated goals<\/a>, the 60% benchmark was established to &#8220;ensure student loan debt levels stay in balance with the earning potential of credentials.&#8221; While the THECB reports data combined for 2- and 4-year institutions, our review of the data will concentrate on public universities in the state.<\/p>\n<ul style=\"margin-left: 2.5em; list-style-position: outside; list-style-type: disc;\">\n<li>In the first visualization below (<u>Debt-to-Income: Statewide<\/u>), the data are trending in the desired direction across all public four-year institutions. In 2014, the Debt-to-Income ratio was just above 65%, while that number fell to 58.2% in 2018. This <b>decrease is a 6.8 percentage point drop from 2014 to 2020<\/b>, as year-over-year comparisons in the line chart show a decrease in each of the five years in the data (as indicated by the circles shown in green).<\/li>\n<li>Clicking on &#8220;<u>Debt-to-Income: Systems<\/u>&#8221; shows the annual data broken-out by public university system in the state. Using the statewide average of 58.2% for 2018, there are <b>three public university systems with a collective median percentage below the state average<\/b>: the University of Texas System at 51.6%, the University of Houston System at 53.7%, and the Texas A&amp;M University System at 57.9%. The Texas Tech University System has the highest percentage for public university systems with more than one institution at 68.1%. The Texas State University System had the largest percentage point change for public university systems with more than one institution of a decrease of 8.9 percentage points, with A&amp;M System following closely at\u00a0 an 8.6 percentage point drop.<\/li>\n<li>\u00a0The &#8220;<u>Debt-to-Income Change: 2014 vs 2018<\/u>&#8221; tab at the far-right shows university-level trends for the public universities in Texas. The data are organized by Peer Group as defined by the THECB. It is recommended to click on the &#8220;Full Screen&#8221; icon at the bottom-right of the visualization to see all of the data in one view. The state average change of -6.84 percentage points is shown in the blue reference line.<\/li>\n<\/ul>\n<ul style=\"margin-left: 6em; list-style-position: outside; list-style-type: disc;\">\n<li>There are a total of <b>14 public universities that had a percentage point change better than the state average<\/b>. These ranged from Lamar University&#8217;s decrease of 24.6 percentage points (75.01% in 2014 to 50.37% in 2018) to West Texas A&amp;M University&#8217;s decrease of 6.85 percentage points (67.75% in 2014 to 60.9% in 2018).<\/li>\n<li>More than half of the A&amp;M System institutions (6 out of 11) exceeded the state average change in percentage point change, as 7 A&amp;M System schools were in the top 15 of public universities in Texas.\u00a0<\/li>\n<li>Three public universities had an increase\u00a0<span style=\"font-size: 16px; background-color: #ffffff;\">from 2014 to 2018\u00a0<\/span>in the student debt to first-year earnings percentage calculation, with the University of Houston-Victoria having the largest increase of 7.1 percentage points (53.9% in 2014 to 61.1% in 2018).\u00a0<\/li>\n<\/ul>\n<p><u><b> NOTE<\/b><\/u>: A fourth tab that includes debt-to-income data by university has been added to the visualizations for those interested in exploring the campus-level data further. A series of filters has been added to the right side of the visualization. For easier viewing, we recommend clicking the &#8220;Full Screen&#8221; button on the bottom right.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77e2484 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77e2484\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e7b627\" data-id=\"5e7b627\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91df017 elementor-widget elementor-widget-html\" data-id=\"91df017\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type='text\/javascript' src='https:\/\/tableau.tamu.edu\/javascripts\/api\/viz_v1.js'><\/script><div class='tableauPlaceholder' style='width: 1279px; height: 500px;'><object class='tableauViz' width='1279' height='500' style='display:none;'><param name='host_url' value='https%3A%2F%2Ftableau.tamu.edu%2F' \/> <param name='embed_code_version' value='3' \/> <param name='site_root' value='&#47;t&#47;TAMUS' \/><param name='name' value='blog-2022-02-01&#47;Debt-to-IncomeStatewide' \/><param name='tabs' value='yes' \/><param name='toolbar' value='yes' \/><param name='showAppBanner' value='false' \/><\/object><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f6192 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03f6192\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10e147c\" data-id=\"10e147c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84054b2 elementor-widget elementor-widget-heading\" data-id=\"84054b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">So What?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9b5c193 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9b5c193\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e826947\" data-id=\"e826947\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-263a4ea elementor-widget elementor-widget-text-editor\" data-id=\"263a4ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is the third statewide metric in the THECB data related to student debt that appears to be trending in the right direction:<\/p>\n<ol style=\"margin-left: 2.5em; list-style-type: a; font-weight: bolder;\">\n<li>Percentage of bachelor&#8217;s graduates leaving school with student debt is decreasing;<\/li>\n<li>Median debt of bachelor&#8217;s graduates statewide is decreasing;<\/li>\n<li>Percentage of median student loan debt to first-year earnings for bachelor&#8217;s graduates is decreasing.<\/li>\n<\/ol>\n<p>While the general trends are promising, a closer look at the individual institutions shows that much work remains with regards to student loan debt. <u>Of the 35 public universities in Texas, 18 of them have a percentage of median student loan debt that is more than 60% of first-year earnings for bachelor&#8217;s graduates.<\/u>\u00a0Of these 18 institutions, 7 of the universities are right at or above 70%: Sam Houston State University (69.7%), Texas Tech University (69.8%), Texas A&amp;M University-Kingsville (70.1%), Stephen F. Austin State University (76.3%), Sul Ross State University (77.3%), Prairie View A&amp;M University (101.3%), and Texas Southern University (103.2%), as\u00a0<span style=\"font-size: 16px; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">the two schools at the bottom of this list are the two HBCUs in Texas. <\/span><span style=\"font-size: 16px; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Having percentages at or above 100% means that successful students are leaving school with a bachelor&#8217;s degree and are earning less in their first-year jobs than the total student loan debt that they accumulated as undergraduate students<\/span><span style=\"font-size: 16px; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">.<\/span><span style=\"font-size: 16px; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\"> While the average debt for bachelor&#8217;s graduates has fallen significantly at PVAMU (down $6,173 from $37,859 in 2014 to $31,686 in 2020) and Texas Southern (down $4,758 from $37,512 in 2014 to $32,754 in 2020), the 2020 debt loads for graduates from these institutions rate as two of the top-three public universities (along with Texas Tech University) for median student loan debt for bachelor&#8217;s graduates at public universities in Texas. These data speak to broader concerns related to equity that we hope to revisit in future blog posts.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65aa7e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65aa7e3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3db5b3b\" data-id=\"3db5b3b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Student Debt to 1st-Year Earnings: THECB&#8217;s 60x30TX Goals This blog post is the second in our series exploring student loan debt. Our previous blog post\u00a0showed promising trends in terms of the percentage of bachelor&#8217;s graduates at Texas public universities who graduate with student loan debt decreasing from 62.5% in 2014 to 56.4% in 2020, as&#8230;<\/p>\n","protected":false},"author":1067,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[13,30,31],"tags":[],"class_list":["post-20266","post","type-post","status-publish","format-standard","hentry","category-graduation","category-student-debt","category-thecb-60x30tx"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Student Debt to 1st-Year Earnings: THECB&#039;s 60x30TX Goals - Data Science<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tamus.edu\/data-science\/2022\/02\/01\/student-debt-to-1st-year-earnings-thecb-60x30tx-goals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Student Debt to 1st-Year Earnings: THECB&#039;s 60x30TX Goals - Data Science\" \/>\n<meta property=\"og:description\" content=\"Student Debt to 1st-Year Earnings: THECB&#8217;s 60x30TX Goals This blog post is the second in our series exploring student loan debt. 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