Chapman, BruceHiggins, Timothy2015-12-130004-9018http://hdl.handle.net/1885/73804The Higher Education Contribution Scheme (HECS) is an income-contingent loan designed to collect tuition from Australian university students. The debt is collected on the basis of recorded incomes and, as a consequence, debtors living overseas will not reKeywords: debt; higher education; income; lending behavior; student; AustraliaThe costs of unpaid higher education contribution scheme debts of graduates working abroad201310.1111/j.1467-8462.2013.12014.x2016-02-24