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Income contingent loans for higher education: international reform

Chapman, Bruce


It is well known that higher education financing involves uncertainty and risk with respect to students’ future economic fortunes, and an unwillingness of banks to provide loans because of the absence of collateral. It follows that without government intervention there will be both socially sub-optimal and regressive outcomes with respect to the provision of higher education. The historically most common response to this market failure — a government guarantee to repay student loans to banks in...[Show more]

CollectionsANU Research Publications
Date published: 2005
Type: Working/Technical Paper


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