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    The impact of income contingent provisions on students' loan taking behaviour

    168751_168751.pdf (184.3Kb)
    Access Status
    Open access
    Authors
    Birch, E.
    Miller, Paul
    Date
    2008
    Type
    Journal Article
    
    Metadata
    Show full item record
    Citation
    Birch, Elisa and Miller, Paul. 2008. The impact of income contingent provisions on students' loan taking behaviour. Journal of Economic Studies. 35 (1): pp. 4-25.
    Source Title
    Journal of Economic Studies
    DOI
    10.1108/01443580810844406
    ISSN
    0144-3585
    School
    School of Economics and Finance
    Remarks

    The definitive version is available from Emeral Group Publishing Limited.

    URI
    http://hdl.handle.net/20.500.11937/20246
    Collection
    • Curtin Research Publications
    Abstract

    Purpose – This paper aims to investigate the determinants of taking out government-funded student loans for university study in Australia. Design/methodology/approach – The paper uses an ordered probit model to quantify the influence of the various factors which affect students’ decisions on funding their tertiary study using student loans or through other means. Findings – The study finds that the probability of taking out student loans for the full cost of university is largely influenced by students’ socioeconomic status. Other major influences on this decision include students’ demographic and university enrolment characteristics. Research limitations/implications – A limitation of the work is that only a neighbourhood (rather than an individual-level) measure of socioeconomic status was available, and future research should seek to address this. Practical implications – The research shows that the parameters of loan schemes do not seem to be able to over-ride the influence that family background has on loan taking behaviour. That is, poor students use loans regardless of the parameters of the loans scheme in order to overcome short-term credit constraints. In other words, these student loan schemes channel funds to those without other means of funding their higher education. Originality/value – By showing the impact that income contingent provisions have on loan taking behaviour, the paper informs policy makers of potential impacts from modifying loans schemes to reflect this characteristic.

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