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  • 标题:The determinants of electronic textbook use among college students.
  • 作者:Miller, Jon R. ; Nutting, Andrew W. ; Baker-Eveleth, Lori
  • 期刊名称:American Economist
  • 印刷版ISSN:0569-4345
  • 出版年度:2013
  • 期号:March
  • 语种:English
  • 出版社:Omicron Delta Epsilon
  • 关键词:E-books;Electronic publishing;High schools;Students;Textbooks

The determinants of electronic textbook use among college students.


Miller, Jon R. ; Nutting, Andrew W. ; Baker-Eveleth, Lori 等


I. Introduction

Electronic media appear to be winning the battle for readership in the United States, as bookstores close (Roso & Rosenwald 2011) and print newspapers downsize or go out of business entirely (Perez-Pena 2009; Richman & James 2009). According to a recent sales report from the Association of American Publishers, adult e-book sales rose 49.4% in January 2012, more than triple the growth in mass market paperback sales. Sales of children's and religious e-books rose 475% and 151%, respectively (Association of American Publishers 2012).

Sales figures for electronic textbooks (e-textbooks), a specific type of e-book, are harder to find, but estimates suggest that their use is rising. According to the National Association of College Stores (2010), national e-textbook revenue in 2010 was 3% of total textbook revenue, but that share was expected to grow to 10 or 15 percent by 2012 (Foderaro 2010; Schuetze 2011; Krapfl 2011).

Rapid evolution characterizes the e-textbook market. In this research, we take a snapshot of this evolution by analyzing e-textbook use at a particular university at a particular time. Using data on individual students at the University of Idaho, we use logit analysis to answer questions about the determinants of e-textbook use. Why have some students used e-textbooks while others have not? Do different college majors influence use? Do students' backgrounds and socioeconomic characteristics affect e-textbook use?

The remainder of this paper is organized as follows. Section II discusses providers of e-textbooks. Section III surveys the scant literature regarding students' propensities of using electronic textbooks. Section IV discusses the data collection process and summary statistics. Section V discusses the estimation strategy and results. Section VI concludes.

II. E-textbook Providers

The number of providers of e-textbook content continues to expand. Digital publisher flatworld-KNOWLEDGE has been in business since 2007. In May 2011, they listed 35 titles with an expected doubling in the number of titles by spring 2012, according to Jon Williams, Chief Technology Officer at flatworldKNOWLEDGE (Hampson 2011). The flatworldKNOWLEDGE textbooks are free to view online, or a student can pay for sections to be printed or the entire book for around $29.95. CourseSmart also began in 2007, and is a partnership of traditional book publishers, such as Cengage, Pearson and McGraw-Hill. Through the partnership, CourseSmart provides not only e-textbooks, but also an online catalog of electronic resources and other digital course material (Graham 2011). The e-textbooks are available to purchase as a PDF for a 180-day subscription. Another e-textbook supplier, VitalSource, is supported by publisher Macmillan and provides a customizable textbook using a platform called DynamicBooks. These e-textbooks can be read on e-readers such as a Kindle or an iPad.

Universities are experimenting with e-textbook programs. The University of Phoenix consolidated all course textbooks in an electronic library, charging $75 a semester for electronic access to any textbook (Blumenstyk 2008). Northwest Missouri State University ran a pilot program with 240 students who were loaned e-book reading devices and provided with electronic textbooks (Young 2009). The University of Idaho has tested a method where professors provide an electronic, custom text tailored to a specific course and charge for it with a course fee (Baker-Eveleth et al. 2011). Open source programs, such as GNU Free Documentation License (GFDL), allow the authors of the content as well as readers to make suggestions and note errors and corrections (Beezer 2009).

III. Literature on Determinants of E-Textbook Use

In spite of the rapid growth and development of e-books and e-textbooks, little research on it exists. What we know comes from student surveys and anecdotal evidence in the discussion of the pros and cons of e-textbooks and their print alternatives. For example, a report on research sponsored by the National Association of College Stores (NACS) noted that three-quarters of students surveyed preferred a bound book to a digital version (NACS 2010; Foderaro 2010). Student surveys indicate a strong preference for hard copy texts, even though the current generation of college students is very comfortable with electronic information and communication (Nelson 2008a; Dudley 2011).

Some authors note that e-textbook sales growth could be limited by unique factors not facing regular e-Books. Graphics and mathematics, common in college texts, are more difficult to transmit on popular e-readers such as Amazon's Kindle. Hard copy books don't get blank screens or viruses and they allow the reader to flip quickly through chapters and write easily in the margins (Foderaro 2010). And if e-textbooks are not available on special readers, students resist being "tethered" to a computer and suffering eye strain and back and neck problems from reading on computer screens (Carlson 2005; Crawford 2006; Nelson 2008b).

Some point to advantages of e-textbooks. They allow an environment where students can interact and engage with the material in a different way. Most digital books are searchable, can be highlighted like a traditional textbook, and often have a comment box or annotation ability on the pages (Ravid, Kalman and Rafaeli 2008). E-textbooks are easier to update and edit. Traditional hard copy textbooks from publishers are limited in how quickly they can correct errors or make updates to the textbook (Larson 2002; Stewart 2009).

The rising cost of hard copy textbooks appears to be causing students to consider electronic alternatives to traditional textbooks (Marklein 2012). According to the U.S. Government Accountability Office (2005), between 1987 and 2004 the average price of a college textbook increased an average of 6% per year, twice as fast as the consumer price index. On average, a college textbook costs $125, and many are not resalable on the used textbook market. The total textbook cost for a typical year of classes is close to $1,000 (Christopher 2009; Rampell 2008). This increased cost creates financial pressure for college students and their families. Students, parents, state legislatures, federal agencies, university bookstores and book publishers have responded to rising textbook costs by making it an important and controversial issue on college campuses (Chaker 2006; Kang 2004; Kingsbury & Galloway 2006; Roberts 2006).

IV. Data

Data were collected via a web-based questionnaire in November 2009 conducted at the University of Idaho. Though our data are campus-specific, answers should be extendable to other four-year colleges. The University of Idaho is a public land-grant, largely residential institution in Moscow, Idaho. It consists of approximately 12,000 students, over 80 percent of whom are undergraduates. Its Carnegie Classification of "research university" with "high undergraduate enrollment" is shared by 63 other public universities. (1)

An invitation to participate in the survey was distributed via a listserv to 11,957 University of Idaho students. (2) A total of 1,382 responses were received, producing an 8.65% response rate, and almost 1,100 responses possessed complete enough answers to be included in this paper. Summary statistics for relevant variables derived from the questionnaire are presented in Table 1. A total of 44.5% of students had purchased or used an electronic textbook. Almost 60 percent of students were female, whereas under half of degree-seeking undergraduates at the University of Idaho are female (US News and World Report 2012). The average student's high school had a graduating class of approximately 270, (3) and 7.4% of the sample graduated from a private high school. Approximately 65 percent of respondents received financial aid, and over two-thirds received scholarships. A majority, over 55 percent, worked either full-time or part-time while in school. Almost half of respondents received tuition assistance from parents or family.

Almost 93 percent of respondents owned a laptop computer. Fewer than 40 percent owned a desktop. Survey respondents were asked to rate on a scale of 1-5 (from "Strongly Disagree" to "Strongly Agree") whether they agreed with the statement "My professors think I should use an electronic textbook." About 8.5 percent of students reported that their professors "strongly disagreed" with the use of electronic textbooks, while 5.9 percent reported that their professors "agreed" or "strongly agreed" with their use. The College of Letters, Arts, and Social Science accounted for over one quarter of respondents, while the Colleges of Business and Economics, Education, and Engineering each comprised over 10 percent of respondents. (4)

Table 2 shows percentage of respondents, by college, who had ever purchased or used an electronic textbook. Four of every five students in the College of Business and Economics (CBE) had used an electronic textbook. Between 30 and 50 percent of students in each of the other colleges had used an electronic textbook.

V. Estimation Strategy and Results

Estimations determining what affects a student's likelihood of having purchased or used an electronic textbook take the form

[Y.sup.*.sub.ic] = [beta][X.sub.ic] + [alpha][Z.sub.ic] + [[delta].sub.c] + [[epsilon].sub.ic] (1)

where i is individual student and c is college of enrollment. [Y.sub.ic.sup.*] is the latent propensity for a student to have purchased or used an electronic textbook. [X.sub.ic] represents student-level demographic and background controls. (In estimations, the linear variable AGE is set equal to zero for students whose AGE_OVER_40 variable is equal to 1.) [Z.sub.ic] represents controls regarding the attitudes of each student's professors towards electronic textbooks. [[delta].sub.c] represents fixed effects controls for college and [[epsilon].sub.ic] is a random error term.

Since propensity to purchase an electronic textbook is latent and unobserved, [Y.sub.ic] is defined as a dummy variable equal to 1 if student i purchases an electronic textbook and 0 otherwise. [[epsilon].sub.ic] in Equation (1) is logistically distributed and maximum likelihood logit estimations of the equation

P([Y.sub.ic] = 1|[X.sub.ic], [Z.sub.ic]) = [LAMBDA]([beta][X.sub.ic] + [alpha][Z.sub.ic] + [[delta].sub.c]) (2)

are estimated.

Table 3 shows marginal effects from logit estimations of Equation (2) on the population of all surveyed students. (5) In Column 1, only student demographic and background controls are included as explanatory variables. Significantly negative marginal effects on AGE and AGE_OVER_40 indicate that younger students are more likely to have purchased or used an electronic textbook. Students from larger high schools, students financing their educations through financial aid and/or scholarships, and students who own either a laptop or a desktop computer are significantly more likely to have purchased or used an electronic textbook. (6)

Column 2 adds fixed effects for college, to control for the between-college differences in use of an electronic textbook shown in Table 1b. The dummy representing College of Letters, Arts, and Social Sciences (CLASS) is omitted for identification purposes. Students from four colleges--the College of Business and Economics, the College of Engineering, and College of Science, and the College of Agricultural & Life Sciences--are significantly more likely to have used an electronic textbook than students from CLASS. Many controls which were significant in Column 1 are insignificant in Column 2. AGE, AGE_OVER_40, and SCHOLARSHIPS become insignificant, suggesting that younger students and students who receive scholarships are more likely to have used electronic textbooks because they are enrolled in colleges where students are more likely to use them. Ownership of either a desktop or a laptop computer is no longer significantly correlated with use of an electronic textbook. Students receiving financial aid and students from larger high schools remain significantly more likely to have purchased or used an electronic textbook.

Column 3 adds controls for professors' attitudes towards electronic textbooks. Students who have had professors who either "agree" or "strongly agree" with the use of electronic textbooks are more likely to have used electronic textbooks, and those whose professors have "strongly disagreed" with the use of electronic textbooks are less likely to have used them. FINANCIAL_AID and HIGH_SCHOOL_ CLASS_SIZE remain significantly positive. OWN_ DESKTOP becomes significantly positive again, after having been insignificant in Column 2.

Table 3 thus suggests that students on financial aid, students who own desktop computers, and students from larger high schools are more likely to have purchased or used electronic textbooks. These all almost certainly reflect demand-side factors. That students on financial aid are more likely to have used an electronic textbook suggests that electronic textbooks are an inferior good, i.e. while students with more resources demand traditional bound textbooks (a normal good), students with fewer resources demand their less expensive electronic counterparts. The frequently significant coefficient on OWN_DESKTOP indicates that desktop computers and electronic textbooks are complementary goods. Laptops, being so widely owned, are not the specific complement to electronic textbooks that desktop computers are. That students from larger high schools more frequently used electronic textbooks suggests that larger high schools expose their students to more computer-intensive modes of learning, giving their graduates a higher willingness-to-pay for using electronic textbooks in college. (7)

Table 4 re-estimates Equation (2) on two subsets of the original sample. All 4 columns include fixed effects controls for college. Columns 1-2 show results when omitting College of Business and Economics (CBE) students, who are much more likely to have used electronic textbooks. In both columns, HIGH_SCHOOL_CLASS_SIZE, FINANCIAL_AID and OWN_DESKTOP remain significantly positive. AGE_OVER_40 is significantly negative in both columns.

Columns 3-4 include CBE students but limit the sample to students under the age of 30. Larger high schools and financial aid status are, once again, significantly positive in all three columns, and OWN_DESKTOP is significant in Column 4. Among these younger students, graduates of private high schools and students receiving scholarships are significantly more likely to have used electronic textbooks. Column 4 also shows that female students are significantly more likely to have used electronic textbooks. (8)

In sum, Tables 3 and 4 show strong, significant, and persistent evidence that students on financial aid and students from larger high schools are more likely to have purchased or used electronic textbooks. These findings suggest, respectively, that e-textbooks are inferior goods, and that students from larger high schools (which are usually located in cities or suburbs) may have been exposed to more computer-intensive modes of learning. There is some evidence that students who own desktop computers are more likely to have used an electronic textbook, suggesting that desktops and e-textbooks are complementary goods. And university-level factors--such as college of enrollment and professor attitudes towards electronic textbooks--significantly influence whether students have used them.

VI. Conclusions and Future Research

This paper examines what factors affect college students' likelihood of having purchased or used an electronic textbook. There are strong, significant, and persistent results showing that students from larger high schools and students who own desktop computers are more likely to have used an electronic text, and some less-persistent results showing that younger students are more likely to have used one. These results jointly suggest that experience with and technical competence with information technology increase students' use of e-textbooks. Additionally, students paying for their education with scholarships and loans are more likely to have used an electronic text, suggesting that e-textbooks are inferior goods, in the strict economic sense. Putting these findings together, as technical competence with information technology expands, as it surely will, and as the cost of college continues to rise, we would expect the demand for e-textbooks to rise.

There is a strong relationship between college of enrollment and having used an electronic textbook. Students in four arguably more-technical colleges--Business and Economics, Science, Engineering, and Agriculture and Life Sciences--are more likely to have used an electronic text than are students in the College of Letters, Arts and Social Sciences. Results are especially strong for the College of Business and Economics, where over 80% of the students report use of an electronic text, possibly because some required courses in the college often use electronic text materials.

Results also persistently show that professor attitudes towards electronic textbooks significantly affect students' use of them. The high rate of e-textbook use in the College of Business and Economics, where use of some e-textbooks are required, and evidence of a distaste among professors in general for e-textbooks (Nelson 2008b), jointly suggest that e-textbook use may increase as professors' attitudes towards them change. Therefore, trends in competence with information technology, college costs, and professorial and institutional attitudes towards electronic textbooks suggest that rates of e-textbook use will increase over time. We are interested in this as a topic of future research, perhaps with a panel dataset.

There is also the chance that technological advances have changed the market for electronic textbooks since this survey was taken in Fall 2009. Electronic textbooks are more commonly featuring interactive features (Young 2010), and the 2010 introductions of the Apple iPad (Stone and Miller 2012) and the fourth edition of Amazon's Kindle (Miller 2011) may have made electronic textbooks more easily utilized. If students from higher-income backgrounds are disproportionately more likely to use electronic textbooks under these conditions (Savitz 2011), our findings that students on financial aid are more likely to use electronic textbooks could be weakened or even reversed.
APPFNDIX TABLE 1A.

                                Sample    Population

AGE (Sample: if 40 or under)     22.8      24.0
AGE_OVER_40                       0.07
FEMALE                            0.58      0.46
HIGH_SCHOOL_CLASS_SIZE          266.7     129.0
FINANCIAL_AID *                   0.65      0.58
AGRICULTURE_                      0.10      0.08
  LIFE_SCIENCES
ART_ARCHITECTURE                  0.05      0.07
BUSINESS_ECONOMICS                0.13      0.10
EDUCATION                         0.13      0.14
ENGINEERING                       0.16      0.14
LETTERS_ARTS_SOC_SCI              0.27      0.28
NATURAL_RESOURCES                 0.07      0.06
SCIENCE                           0.10      0.09

* = Population Mean observed for Undergraduates Only


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Notes

(1.) This analysis was performed on the website classifications.carnegiefoundation.org.

(2.) Both undergraduate and graduate students received the invitation. Data for this research are part of a larger study examining the psychological underpinnings of e-textbook use.

(3.) Students who had a high-school graduating class size of 1 were home-schooled.

(4.) Appendix Table 1 shows differences between sample means and population means for select variables. The authors thank the University of Idaho office of Institutional Research and Assessment for providing population means.

(5.) Marginal effects are taken at estimations' sample means.

(6.) Preliminary estimations included an interaction of OWN_DESKTOP and OWN_LAPTOP. The coefficient on the interaction term was insignificant.

(7.) Larger high schools are more frequently found in cities and suburbs. It is possible that students who attended such schools might be more exposed to computers, even in non-scholastic settings, than students who attended rural high schools.

(8.) We also performed estimations that included a measure of each student's personal price elasticity, which was created via a one-factor loading from four different survey questions asking about students' willingness to search for low prices on textbooks. The measure of personal price elasticity was never significant in any estimation.

by Jon R. Miller *, Andrew W. Nutting **, and Lori Baker-Eveleth ***

* Professor of Economics, College of Business and Economics, University of Idaho, Moscow, ID 83844-3161. Email: jrmecon@uidaho.edu

** Associate Professor of Economics, College of Business and Economics, University of Moscow, ID 83844-3161. Email: anutting@uidaho.edu Corresponding author.

*** Associate Professor of Information Systems, College of Business and Economics, University of Idaho, Moscow, ID 83844-3161. Email: leveleth@uidaho.edu
TABLE 1.
Variable Descriptions and Summary Statistics (n = 1,098)

    Dependent Variable         Variable Definition     Mean    Std. Dev

ETEXT                         = 1 if ever purchased     0.45       0.50
                                or used electronic
                                textbook;
                              = 0 otherwise
Explanatory Variables
Demographics
AGE                           = age in years            22.8        4.9
                                (if 40 or under)
AGE OVER_40                   = 1 if over 40            0.07       0.25
                                years old;
                              = 0 otherwise
FEMALE                        = 1 if female;            0.58       0.49
                              = 0 otherwise
HIGH_SCHOOL_CLASS-SIZE        = size of high           266.7      196.6
                                school graduating
                                class
HIGH_SCHOOL_PRIVATE           = 1 if high school        0.07       0.26
                                was private;
                              = 0 otherwise
Financial Status
SHARE_OWN_RESPONSIBILITY      = share (between          0.66       0.37
                                0 and 1) of
                                college expenses
                                paid by student
FINANCIAL_AID                 = 1 if received           0.65       0.48
                                financial aid;
                              = 0 otherwise
SCHOLARSHIPS                  = 1 if received           0.68       0.47
                                scholarship(s);
                              = 0 otherwise
PARENTS-FAMILY                = 1 if received           0.46       0.50
                                financial assistance
                                from parents
                                or family;
                              = 0 otherwise
WORK_FULL OR_PART_TIME        = 1 if worked             0.56       0.50
                                full-time or
                                part-time;
                              = 0 otherwise
Computer Experience
OWN_LAPTOP                    = 1 if owned laptop       0.93       0.26
                                computer;
                              = 0 otherwise
OWN_DESKTOP                   = 1 if owned desktop      0.38       0.48
                                computer;
                              = 0 otherwise
PROFS STRONGLY_DISAGREE       = 1 if professors         0.08       0.28
                                "strongly disagreed"
                                with electronic
                                textbooks;
                              = 0 otherwise
PROFS_AGREE_OR                = 1 if professors         0.06       0.24
  STRONGLY_AGREE                "agreed" or
                                "strongly agreed"
                                with electronic
                                textbooks;
                              = 0 otherwise
College of Enrollment
AGRICULTURE_LIFESCIENCES      = 1 if enrolled in        0.10       0.30
                                College of
                                Agriculture &
                                Life Sciences;
                              = 0 otherwise
ART_ARCHITECTURE              = 1 if enrolled in        0.05       0.22
                                College of Art &
                                Architecture;
                              = 0 otherwise
BUSINESS-ECONOMICS            = 1 if enrolled in        0.13       0.33
                                College of Business
                                & Economics;
                              = 0 otherwise
EDUCATION                     = 1 if enrolled in        0.13       0.34
                                College of
                                Education;
                              = 0 otherwise
ENGINEERING                   = 1 if enrolled in        0.16       0.37
                                College of
                                Engineering;
                              = 0 otherwise
LETTERS_ARTS_SOCIAL_SCIENCE   = 1 if enrolled in        0.27       0.44
                                College of Letters,
                                Arts, & Social
                                Science;
                              = 0 otherwise
NATURAL _RESOURCES            = 1 if enrolled in        0.07       0.25
                                College of Natural
                                Resources;
                              = 0 otherwise
SCIENCE                       = 1 if enrolled in        0.10       0.30
                                College of Science;
                              = 0 otherwise

TABLE 2.
ETEXT Usage By College

College                                         Mean

Agriculture & Life Sciences (n = 107)           0.45
Art & Architecture (n = 53)                     0.40
Business & Economics (n = 137)                  0.80
Education (n = 146)                             0.32
Engineering (n = 173)                           0.46
Letters, Arts & Social Science (n = 293)        0.37
Natural Resources (n = 75)                      0.39
Science (n = 106)                               0.42

TABLE 3.
Full Sample Results: Marginal Effects from Logit Estimations

           Variable                   1               2


AGE                                 -0.009         -0.006
                                    -2.20 **       -1.47
AGE_OVER_40                         -0.311         -0.191
                                    -2.52 **       -1.47
FEMALE                              -0.003          0.031
                                    -0.09           0.87
HIGH_SCHOOL_CLASS_SIZE (100s)        0.020          0.021
                                     2.43 **        2.48 **
HIGH_SCHOOL_PRIVATE                  0.077          0.096
                                     1.29           1.56
SHARE_OWN_RESPONSIBILITY            -0.035          0.002
                                    -0.68           0.03
FINANCIAL_AID                        0.081          0.108
                                     2.34 **        2.93 ***
SCHOLARSHIPS                         0.064          0.056
                                     1.76 *         1.46
PARENTS_FAMILY                      -0.004         -0.003
                                    -0.11          -0.07
WORK_FULL_OR_PART_TIME               0.034          0.034
                                     1.04           0.98
OWN_LAPTOP                           0.135          0.091
                                     2.12 **        1.39
OWN_DESKTOP                          0.081          0.060
                                     2.24 **        1.57
AGRICULTURE_LIFE_SCIENCES                           0.099
                                                    1.72 *
ART_ARCHITECTURE                                    0.038
                                                    0.49
BUSINESS_ECONOMICS                                  0.510
                                                    7.93 ***
EDUCATION                                          -0.009
                                                   -0.17
ENGINEERING                                         0.123
                                                    2.36 **
NATURAL_RESOURCES                                   0.059
                                                    0.87
SCIENCE                                             0.097
                                                    1.64 *
PROFS_STRONGLY_DISAGREE

PROFS_AGREE_STRONGLY_AGREE

Observations                     1,092          1,084
Pseudo-[R.sup.2]                     0.024          0.083

           Variable                    3

AGE                                 -0.006
                                    -1.45
AGE_OVER_40                         -0.207
                                    -1.55
FEMALE                               0.035
                                     0.98
HIGH_SCHOOL_CLASS_SIZE (100s)        0.020
                                     2.32 **
HIGH_SCHOOL_PRIVATE                  0.084
                                     1.33
SHARE_OWN_RESPONSIBILITY             0.006
                                     0.10
FINANCIAL_AID                        0.109
                                     2.91 ***
SCHOLARSHIPS                         0.047
                                     1.20
PARENTS_FAMILY                      -0.001
                                    -0.03
WORK_FULL_OR_PART_TIME               0.046
                                     1.32
OWN_LAPTOP                           0.101
                                     1.51
OWN_DESKTOP                          0.067
                                     1.74 *
AGRICULTURE_LIFE_SCIENCES            0.101
                                     1.73 *
ART_ARCHITECTURE                     0.066
                                     0.82
BUSINESS_ECONOMICS                   0.485
                                     7.44 ***
EDUCATION                           -0.013
                                    -0.24
ENGINEERING                          0.131
                                     2.46 **
NATURAL_RESOURCES                    0.057
                                     0.82
SCIENCE                              0.105
                                     1.75
PROFS_STRONGLY_DISAGREE             -0.154
                                    -2.47 **
PROFS_AGREE_STRONGLY_AGREE           0.240
                                     3.06 *
Observations                     1,070
Pseudo-[R.sup.2]                     0.095

Absolute value of z statistics included

* significant at 10%; ** significant at 5%; *** significant at 1%

TABLE 4.
Subsample Results: Marginal Effects from Logit Estimations

                                        NON-CBE

          Variable                   1             2

AGE                              -0.007        -0.007
                                 -1.57         -1.51
AGE_OVER_4O                      -0.220        -0.227
                                 -1.68 *       -1.70 *
FEMALE                            0.027         0.033
                                  0.74          0.89
HIGH_SCHOOL_CLASS_SIZE (100s)     0.023         0.021
                                  2.63 ***      2.44 **
HIGH_SCHOOL_PRIVATE               0.092         0.078
                                  1.49          1.25
EXPENSES_SHARE_YOUR_RESP          0.015         0.020
                                  0.26          0.36
FINANCIAL_AID                     0.111         0.112
                                  2.98 ***      2.98 ***
SCHOLARSHIPS                      0.035         0.027
                                  0.91          0.69
PARENTS_FAMILY                   -0.002         0.000
                                 -0.05          0.00
WORK_FULL_OR_PART_TIME            0.019         0.031
                                  0.53          0.88
OWN_LAPTOP                        0.078         0.087
                                  1.24          1.35
OWN_DESKTOP                       0.067         0.073
                                  1.75 *        1.87 *
AGRICULTURE_LIFE_SCIENCES         0.096         0.098
                                  1.73 *        1.75 *
ART-ARCHITECTURE                  0.034         0.061
                                  0.45          0.79
BUSINESS_ECONOMICS

EDUCATION                        -0.008        -0.012
                                 -0.15         -0.22
ENGINEERING                       0.116         0.124
                                  2.29 **       2.41 **
NATURAL_RESOURCES                 0.057         0.055
                                  0.87          0.83
SCIENCE                           0.092         0.101
                                  1.63          1.74 *
PROFS_STRONGLY_DISAGREE                        -0.150
                                               -2.44 **
PROFS_AGREE_STRONGLY_AGREE                      0.230
                                                2.78 ***
Observations                    948           935
Pseudo-[R.sup.2]                  0.029         0.042

                                     UNDER AGE 30

          Variable                   3             4

AGE                              -0.010        -0.007
                                 -1.39         -1.03
AGE_OVER_4O

FEMALE                            0.057         0.068
                                  1.46          1.69 *
HIGH_SCHOOL_CLASS_SIZE (100s)     0.020         0.020
                                  2.09 **       2.04 **
HIGH_SCHOOL_PRIVATE               0.136         0.121
                                  2.02 **       1.77 *
EXPENSES_SHARE_YOUR_RESP          0.021         0.029
                                  0.36          0.49
FINANCIAL_AID                     0.100         0.095
                                  2.44 **       2.27 **
SCHOLARSHIPS                      0.072         0.072
                                  1.69 *        1.66 *
PARENTS_FAMILY                    0.007         0.011
                                  0.17          0.26
WORK_FULL_OR_PART_TIME            0.037         0.047
                                  0.98          1.24
OWN_LAPTOP                        0.019         0.020
                                  0.25          0.26
OWN_DESKTOP                       0.066         0.074
                                  1.55          1.71 *
AGRICULTURE_LIFE_SCIENCES         0.111         0.112
                                  1.79 *        1.79 *
ART-ARCHITECTURE                  0.051         0.077
                                  0.62          0.93
BUSINESS_ECONOMICS                0.522         0.501
                                  7.74 ***      7.32 ***
EDUCATION                        -0.038        -0.042
                                 -0.59         -0.63
ENGINEERING                       0.134         0.145
                                  2.35 **       2.50 **
NATURAL_RESOURCES                 0.061         0.054
                                  0.81          0.70
SCIENCE                           0.121         0.124
                                  1.87 *        1.89 *
PROFS_STRONGLY_DISAGREE                        -0.120
                                               -1.84 *
PROFS_AGREE_STRONGLY_AGREE                      0.275
                                                3.26 ***
Observations                    912           901
Pseudo-[R.sup.2]                  0.085         0.098

Absolute value of z statistics included

* significant at 10%; ** significant at 5%; *** significant at 1%


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