Moffitt et al. (2001) extensively investigated potential sex - differences in the prevalence of risk factors and the impact of family risk
factors on delinquency and concluded that, in general, boys seem to be more exposed to risk factors of delinquency, rather than that they are more vulnerable for risk factors of delinquency compared to girls.
Not exact matches
They decide whether or not to lend to you based
on a number of other
factors including your employment status, your current debts, your current
delinquencies and bankruptcies, any charge - offs you have in the last 12 months, open tax liens, earning potential, and your debt - to - income ratio.
How much damage it does will depend
on three
factors --(1) how late you were, (2) how recent it was, and (3) whether or not there's a pattern of
delinquencies.
Community Relations Impact Report School Counselors & College Financial Fit National Association of Realtors and ASA: Student Loan Debt And Housing Report 2017 — When Debt Holds You Back Retirement Delayed: The Impact of Student Debt
on the Daily Lives of Older Americans (2017) Young Workers and Student Debt Survey (2017) National Association of Realtors and SALT: Student Loan Debt and Housing Report 2016 — When Debt Holds You Back 2015 Annual Report: Thinking Outside The Lines Life Delayed: The Impact of Student Debt
on the Daily Lives of Young Americans (2015) 2014 Annual Report Missing Data: Focusing
on the Wrong
Factors Could Contribute to Student Loan Distress Life Delayed: The Impact of Student Debt
on the Daily Lives of Young Americans (2013) Student Debt Relief Plan Fact Sheet
Delinquency: The Untold Story of Student Loan Borrowing You can also view a webcast held by the New America Foundation discussing this report's results.
Key
Factor 1 Serious
Delinquency Key Factor 2 Time since delinquency too recent or unknown Key Factor 3 Proportion of loan balances to loan amounts too high Key Factor 5 Number of inquiries on cr
Delinquency Key
Factor 2 Time since
delinquency too recent or unknown Key Factor 3 Proportion of loan balances to loan amounts too high Key Factor 5 Number of inquiries on cr
delinquency too recent or unknown Key
Factor 3 Proportion of loan balances to loan amounts too high Key
Factor 5 Number of inquiries
on credit burea.
Another
factor is that consumers who had tax liens or civil judgments in their credit reports also tended to have other signals of credit riskiness: about 89 % of consumers with judgments or liens had a
delinquency of 90 days or longer
on their credit record, compared with 34 % of consumers without those black marks.
Advances in prevention in public health2 provide a model for prevention of adolescent health - risk behaviors by focusing
on risk and protective
factors predictive of these behaviors.3, 4 Research
on the predictors of school failure,
delinquency, drug abuse, teen pregnancy, and violence indicates that many of the same
factors predict these different outcomes.5, 6 Recent research has shown that bonding to school and family protects against a broad range of health - risk behaviors in adoles cence.6 Yet, prevention studies typically have focused narrowly
on a specific outcome, such as preventing substance abuse, and
on attitudes and social influences that predict that outcome.7, 8 Previous studies
on prevention have not sought to address the shared risk and protective
factors for diverse health - risk behaviors that are the main threats to adolescent health.
A report from the US Surgeon General concluded that nurse home visiting has shown significant effects
on the incidence of violence,
delinquency, and other related risk
factors.32 Benefits in child development and child health are less clear, and the evidence for their support is inconsistent.
Some observers have argued that female offenders can, in theory, be either adolescent - limited or life - course - persistent and that the relative scarcity of early - onset aggression in females indicates that they are generally less likely to follow the latter pathway.56 Others, however, have argued that the relative prevalence of adolescent - onset aggression in girls (compared with childhood - onset) indicates that persistent
delinquency simply manifests at a later age in girls than it does in boys.57 In Persephanie Silverthorn and Paul Frick's model, girls and boys are influenced by similar risk
factors during childhood, but the onset of delinquent behavior in girls is delayed by the more stringent social controls imposed
on them before adolescence.
Several meta - analyses focused
on risk
factors for
delinquency have included family
factors (Cottle et al. 2001; Gendreau et al. 1996; Hubbard and Pratt 2002; Lipsey and Derzon 1998; Loeber and Dishion 1983).
However, as a check
on quality control, we also examined whether several methodological characteristics (sample size, number of items in
delinquency and parenting questionnaires, reliability of the parenting questionnaire, publication status, and journal impact
factor), moderated the link between parenting and
delinquency.
Studies
on sex - differences in the link between family
factors and
delinquency are scarce and their findings are contradictory.
First, a considerable body of empirical research
on the relationship between family
factors and
delinquency exists.
The present meta - analytic study summarizes and integrates previous findings
on the link between attachment and
delinquency, and examines
factors that could have a moderating effect
on this association, including age and sex.
These programs have in common a combination of intensive family support and early education services, and effects
on a broad range of child and family risk
factors for
delinquency.
Emphasis is placed
on empirically supported programs that have identified key malleable risk
factors in children, families, and schools, which have been shown in longitudinal research to be related to later development of substance abuse,
delinquency, and violence.
However, Demuth and Brown [18] found that parenting
factors mediate the influence of family structure
on delinquency, with parental attachment operating as a stronger protector than supervision.