Housing unaffordability in the U.S. is a complex issue shaped by a blend of regulatory, economic, and financial factors. Solving this challenge requires comprehensive solutions that encompass land use policies, financial mechanisms, and wage dynamics. Urbanization and population growth further strain cities’ ability to meet housing needs, underscoring the urgency for effective government policies. Student loan debt compounds these issues by limiting homeownership opportunities, exacerbating homelessness and displacement across society. Addressing these challenges demands policy reforms alongside efforts to increase housing supply and targeted support for borrowers burdened by student debt. These initiatives are crucial steps towards enhancing housing affordability, ensuring access to secure, reasonably priced homes for all individuals.

http://www.ijlrhss.com/paper/volume-6-issue-11/33-HSS-2438.pdf