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Are Some Age Groups More Prone to Depression Than Others?

Depression is, like many health problems, an equal-opportunity disease. It can afflict anyone, at any age, from childhood to late in life.

The statistics bear this out. Beginning in grade school, 2 to 3 percent of children ages 6 to 12 may develop serious depression, according to the Anxiety and Depression Association of America. The ADAA says 6 to 8 percent of teens may have the disease, and an estimated 2.8 million adolescents ages 12 to 17 had at least one major depressive episode in 2014.

The National Alliance on Mental Illness puts those numbers a bit higher, estimating that 13 percent of youth ages 8 to 15 and 21.4 percent of those ages 13 to 18 experience a severe mental disorder at some point during their life. And, according to the Centers for Disease Control and Prevention, 17 percent of high school students have seriously considered suicide in the past 12 months.

[See: 9 Things to Do or Say When a Loved One Talks About Taking Their Life.]

The college years are also difficult. The Substance Abuse and Mental Health Services Administration combed through data from 2008 to 2010 and found that 8.4 percent of full-time college students ages 18 to 22 and 8.2 percent of other young adults who were in college part time or not at all experienced a major depressive episode in the previous year. Among the estimated 9.3 million adults who reported having suicidal thoughts in the past year, college-age young adults (ages 18 to 25) had the highest percentage of serious thoughts about suicide (7.4 percent).

Many people think seniors are often depressed, but the CDC says the majority of older adults are not. Nevertheless, seniors are prone to depression, and life circumstances play an enormous role in that. Estimates of major depression in seniors living in the community range from less than 1 percent to about 5 percent, but they go up to 13.5 percent in those who require home health care and to 11.5 percent in senior hospital patients.

The Common Denominator Is Life Stress

Clearly, every age group is affected by depression. Still, certain times of life can make someone more susceptible. And they all tend to have one thing in common: change-related stress.

Children, of course, go through tremendous growth and change over the course of their youth. That has always been so, but recent societal changes may be behind the uptick in the numbers of depressed children. “Since the 1950s, when I grew up, people have become more enclosed in their homes,” says Carl Tishler, a psychologist and adjunct associate professor of psychiatry and psychology at The Ohio State University. “Kids don’t go outside any more. My mom pushed me out of the house and closed the door. We were constantly active.”

These days, it is harder to get kids out to play, he says, because parents are afraid. “There is a suspicion of others; that going to the playground is not always safe, and there is a suffering to that. Kids today are not getting the exercise we got as kids,” he says. Exercise has been proven to help prevent or lessen depression symptoms, so lack of activity may be a cause of increased depression in kids.

Another issue affecting children today is social media, which puts tremendous stress on a child’s developing self-image, and also makes bullying particularly easy.

The college years are stressful, of course, and make the late teens and early 20s a particularly vulnerable time. That’s been made worse lately, given uncertain economic times. “Huge numbers of young people in this day and age are moving back home after college, and they have expectations that don’t get met,” says Arthur Nezu, professor of psychology at Drexel University in Philadelphia. “That can be incredibly stressful. Then you also pair that with biology, and the fact that the brain doesn’t get fully formed until then, so there is a lot of turmoil.”

[See: Am I Just Sad — Or Actually Depressed?]

The Stresses of Adulthood

Adulthood is no walk in the park either, and certain life events are associated with depression. “With women between 25 and 44, the joy and stress of raising children is the most likely life pattern. Women with kids under age 5 and [who have] the primary responsibility for those children have very high rates of depression,” says Carol Landau, clinical professor of psychiatry and human behavior and of medicine at Brown University’s Warren Alpert Medical School in Providence, Rhode Island. And later in adulthood, many in the so-called “Sandwich Generation” find themselves caring for children and their aging parents, which brings high levels of stress.

The senior years can be fraught as well. First come the retirement years, which cause major life disruptions. “Many seniors expect to love retirement, but when they get there they don’t really know what to do,” Nezu says. “They experience a major change in their roles. And the U.S. is not like other countries, where the older you get the more respect you get. I have been to Japan several times, and at big social events you have to wait for the oldest person until you can have a drink and say cheers. It is respectful of older people. Here [many seniors] no longer feel respected, they feel more like a burden.”

[See: 14 Ways Caregivers Can Care for Themselves.]

Depression may be more difficult to recognize in older adults. The National Institutes of Health says that sadness may not be the main symptom. Some may feel tired, have trouble sleeping or become irritable. They may also be confused or have attention problems, which can be mistaken for dementia or other brain disorders. And older adults typically have more medical conditions such as heart disease, stroke, or cancer, or are on medications for those conditions, both of which can cause depressive symptoms. Finally, the issue of grief comes into play most often with seniors. After losing a loved one, grief is normal. But grief that lasts for a long time may indicate depression.

More from U.S. News

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Are Some Age Groups More Prone to Depression Than Others? originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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