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Tag: Student Debt

That Augar Report

If you pay attention to UK higher education, you will know that yesterday the long-awaited Augar Report (technically, the Post-18 Review of Education and Funding: Independent Panel Report, but its usually named after its chair, Philip Augar).  It’s a big study – over 200 fairly densely-argued pages – and since I’ve spent the entire day in meetings in Washington DC I haven’t had the time to peruse the document closely and my commentary is based to a considerable degree on

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May 31, 2019 No Comments

The Warren Proposal

No doubt everyone has heard about the ginormous ($1.25 trillion) promise that Massachusetts Senator and Democratic Presidential hopeful Elizabeth Warren made around post-secondary education last week.  But I suspect more people heard/saw the heat and noise about the promise rather than the promise itself.  So, herewith, a quick rundown and analysis: So, the first thing to note is that technically the package contained several policies.  The two major ones are about making tuition free in public schools, and a massive

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April 30, 2019 1 Comment

Income Share Agreements (Part 2)

Yesterday, I described Income Share Agreements (ISAs) as basically a version of Milton Friedman-like Human Capital Contracts, which are very much like privately administered graduate taxes.  The question we will answer today is: under what circumstances would a private ISA be preferable to a public student loan? Assuming both were equally available and equally subsidized, then in theory a student would be indifferent between the two.  But there are a few reasons why this is unlikely to be the case;

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March 5, 2019 No Comments

That Ontario Tuition/OSAP Announcement

OK, so the Ontario government rolled out its tuition/OSAP announcement and it’s big enough I should probably cover it, so apologies if you were looking forward to the second part about millennials – I’ll pick that up next week. The Government backgrounder is here, but in brief here’s what was announced: 1)      As widely leaked earlier this week, universities and colleges have been told to reduce tuition by 10% in every program for which they receive public subsidies.  This does not apply

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January 18, 2019 7 Comments

Millennial Complaints (Part 1)

Unless you’ve been under a rock the last decade or so, you will be familiar with the line of argument that millennials are a uniquely put-upon (or, in the vernacular, “screwed”) generation.  They are over-educated, over-indebted, condemned to never get on the success ladder, etc…you know the story. The question is: how true is it? The answer is: it depends in large part on which millennials we are talking about and to whom you want to compare them. Let’s start

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January 17, 2019 1 Comment

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One Thought to Start Your Day is our founder and CEO Alex Usher’s popular daily blog, brimming with up-to-the-minute insights and informed opinions on today’s higher education industry.

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