This study examines the relationship between student loans and homeownership in the United States, with a particular focus on how this relationship evolves over time. Using longitudinal data and fixed-effects logistic regression models, we analyze whether student loans deter homeownership among individuals in early adulthood. The models incorporate time-varying financial and demographic predictors, as well as an interaction term to evaluate temporal changes in the effect of student loans. The findings reveal that while student loans do not have a significant impact on homeownership on average, their negative effect is pronounced early in adulthood and diminishes over time. Higher income and marital status are consistently associated with increased odds of homeownership, whereas urban residence significantly reduces the likelihood of owning a home. These results highlight the dynamic nature of financial constraints and emphasize the importance of policies supporting homeownership, particularly for those burdened by student debt during early career stages.

Accepted Oral Presentation