These difficulties may affect both the number of graduates and their academic achievements. American students are more likely to work during their studies. They also apply more frequently for a loan; and the debt causes graduates to choose substantially higher-salary jobs (Rothstein & Rouse, 2011). The demographic profiles of these students, the types of loans they take and the proportion who work while at college or university were examined in the study by Christou and Haliaddod (2006).