WASHINGTON — More than 10 years have passed since she gave up her pursuit of a degree in computer science, but Yajahira Deaza still has regrets. She says she feels incomplete.

She now works in customer service for a major New York bank, and her experience reflects the findings of an Associated Press-Univision poll that examined the attitudes of Latino adults toward higher education. Despite strong belief in the value of a college diploma, Hispanics more often than not fall short of that goal.

The findings have broad implications not only for educators and parents, but for the economy.

In the next decade, U.S. companies will have to fill millions of jobs to replace well-trained baby boomers going into retirement. As the nation's largest minority group, Latinos account for a growing share of the pool of workers, yet their skills may not be up to par. Aware of the challenge, some California State University campuses are reaching out to Hispanic children as early as the fourth grade.

"Aspirations for higher education are very strong among Hispanics, but there's a yawning discrepancy between aspirations and actual attainment," said Richard Fry, an education researcher at the Pew Hispanic Center.

Indeed, the poll, also sponsored by The Nielsen Company and Stanford University, found that Hispanics value higher education more than do Americans as a whole. Eighty-seven per cent said a college education is extremely or very important, as compared with 78 per cent of the overall U.S. population.

Ninety-four per cent of Latinos say they expect their own children to go to college, a desire that's slightly stronger for girls. Seventy-four per cent said the most important goal for a girl right after high school is to attend a four-year college, compared to 71 per cent for boys.

Enthusiasm about higher education hasn't been matched by results.

Census figures show that only 13 per cent of Hispanics have a bachelor's degree or higher, compared with 30 per cent among Americans overall.

The poll revealed some of the roadblocks: Latinos don't have enough money, yet many are reluctant to borrow. Family obligations intervene. Parents and teachers provide only lukewarm support.

Fifty-four per cent said their own parents either did not expect them to go to college, or did not care either way.

In the poll, just 29 per cent cited poor grades in high school as an extremely or very important reason for not going to college.

"A main takeaway here for policy makers is that there are a lot of things that are inhibiting Hispanics, other than their academic performance," said Michael Kirst, a Stanford University education professor. "They have really major barriers that are more intense for this population."

Affordability was the top reason for not completing a college degree, cited by 54 per cent as "extremely" or "very" important. Financial pressure is magnified by a reluctance to borrow that appears to be cultural.

Even among Latinos who are U.S. citizens by birth, only 32 per cent said they had borrowed to finance education, compared with 39 per cent of the general population. Aversion to debt was even stronger among the foreign-born.

In California, the state university system tries to start working with Latino students no later than sixth grade, spelling out what they need to do year-by-year as they move through middle and high school. Part of the pitch is the comparatively low tuition at state schools.

The second most common reason for not finishing college was family responsibilities, cited as extremely or very important by 52 per cent.

The AP-Univision Poll was conducted from March 11 to June 3 by the National Opinion Research Center at the University of Chicago. Using a sample of Hispanic households provided by The Nielsen Company, 1,521 Hispanics were interviewed in English and Spanish, mostly by mail but also by telephone and the Internet. The margin of sampling error is plus or minus 3.5 percentage points.

Stanford University's participation in the study was made possible by a grant from The Bill & Melinda Gates Foundation.