이희숙 2017-07-20T16:30:02Z 2017-07-20T16:30:02Z 20000000 2016 58037 http://search.kca.go.kr/libtechupload/3086580.pdf https://www.kca.go.kr/repo/handle/2015.oak/3488 3086580.pdf 이희숙 http://creativecommons.org/licenses/by-nc-nd/2.0/kr/ 학자금대출 경험유무에 따른 사회초년생의 신용·부채관리역량 = The Differences of Credit·Debt Management Competency of New University Graduates between with and without Experiencing Student Loan 논문