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This article primarily examines the role of attribution and self-concept as correlates of debt tolerance defined and operationalized as students' of color willingness to take on loans to meet educational costs. To examine this set of relationships, three sets of attitude and perception indices are used: a family and friends support index, a self-concept index, and a locus of control index. Findings show that expecting to earn a first professional degree increases the odds of borrowing, whereas believing that good luck and good fortune are very important for success increases the odds of borrowing after controlling for other salient factors.

IMPORTANCE: Using social media to recruit participants is a common and cost-effective practice. Willingness to participate (WTP) in biomedical research is a function of trust in the scientific team, which is closely tied to the source of funding and institutional connections. OBJECTIVE: To determine whether WTP and willingness to share social media data are associated with the type of research team and online recruitment platform. DESIGN, SETTING, AND PARTICIPANTS: This mixed-methods longitudinal survey and qualitative study was conducted over 2 points (T1 and T2) using Amazon's Mechanical Turk (MTurk) platform. Participants were US adults aged 18 years or older who use at least 1 social media platform. Recruitment was stratified to match race/ethnicity proportions of the 2010 US Census. The volunteer sample consisted of 914 participants at T1, and 655 participants completed the follow-up survey 5 months later (T2). MAIN OUTCOMES AND MEASURES: Outcomes were (1) past experience with online research and sharing social media data for research; (2) WTP in research advertised online; (3) WTP in a study sponsored by a pharmaceutical company, a university, or a federal agency; and (4) willingness to share social media data. Opinions were solicited regarding the European Union's General Data Protection Regulation statute, which came into effect between T1 and T2. RESULTS: Of 914 participants completing the first survey (T1), 604 (66.1%) were aged 18 to 39 years and 494 (54.0%) were female. Of these, 655 participants (71.7%) responded at T2. While 680 participants (74.4%) indicated WTP in biomedical research, only 454 (49.3%) were willing to share their social media data. Participants were significantly less likely to participate in federally sponsored (odds ratio [OR], 0.58; 95% CI, 0.51-0.64; P < .001) or pharmaceutical company (OR, 0.59; 95% CI, 0.53-0.66; P < .001) research than university-led studies. They were also less likely to share their social medial data for federal (OR, 0.65; 95% CI, 0.58-0.72; P < ...