APA način citiranja (7. izdanje)
Hershbein, B., & Hollenbeck, K. M. (2015). Student loans and the dynamics of debt. W.E. Upjohn Institute for Employment Research.
Čikaški stil citiranja (17. izdanje)
Hershbein, Brad, i Kevin M. Hollenbeck. Student Loans and the Dynamics of Debt. Kalamazoo, Michigan: W.E. Upjohn Institute for Employment Research, 2015.
MLA način citiranja (9. izdanje)
Hershbein, Brad, i Kevin M. Hollenbeck. Student Loans and the Dynamics of Debt. W.E. Upjohn Institute for Employment Research, 2015.
Upozorenje: Ovi citati možda nisu uvijek 100% točni.