Berger and Houle (2016) provide evidence to show that the more debt a parent has, the worse a child's social-emotional well-being will be. These findings were specific to home mortgages and educational debt (Berger & Houle, 2016). Without acts like the College Cost Reduction and Access Act of 2007 that provide plans like loan forgiveness and income-driven repayment, families would have the added stress of paying off a high-interest loan. Parental stress could be passed on to children, leading to poor social-emotional well-being, as Berger and Houle have previously argued (2016).