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Safety nets are typically invisible until tested, and the COVID-19 pandemic provides an opportunity to observe how undergraduates responded to the common challenge of campus closures. Using survey data from two public universities (N = 750), we investigated the factors associated with students’ reports of moving to a parent’s home as a result of the pandemic. Our findings indicate that students’ material needs stemming from loss of housing (if on campus) or employment (if off campus) significantly affected but did not fully explain their housing decisions. Beyond these factors, older students and those living with a romantic partner, sibling, or extended family member were less likely to move in with a parent. These findings build on research documenting class-based differences by demonstrating the importance of life stage and other social ties. Moreover, they highlight how parent-child relationships evolve during the transition to adulthood, influencing decisions to seek support in times of crisis. 

This study explores student loans, family support, and reciprocity during the transition out of college into adulthood. We examine experiences of family financial assistance and co-living among college students and graduates with loans, and whether support and reciprocity systematically differed by loan presence. We conducted four waves of qualitative interviews with college graduates with loans at two public universities, in their senior year and annually for three years after graduation ( N=24 participants, 72 interviews), and collected two rounds of survey data with undergraduates ( N=3251) and graduates 15 months after graduation ( N=176) from the same universities. Financial support from and living with family was common. Those with loans gave more money to family, even when they did not live with them. Interviews revealed that reciprocity, or expectations to help family in return for help received, could be burdensome. Findings indicate that receiving help may prolong—but also facilitate—the transition to adulthood.