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Tag: Student Loans

Measuring the Effects of Student Loans

Measuring the effects of student loans is brutally difficult.  It sounds simple, but it’s not. Take a recent article called “Gender, Debt, and Dropping out of College“, published in Gender and Society, which made a small wave in access-conscious circles a couple of weeks ago.  Using data form the 1997 US National Longitudinal Survey of Youth, this article made two claims: first, that debt was positively correlated to completion up until a certain level of debt, after which the relationship reverses itself

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March 12, 2013 No Comments

The Return of Income-Contingency

The idea of income-contingent repayment (ICR) of student loans has been with us for a few decades now.  In 1945, Milton Friedman advocated something like an ICR loan as a way of reducing the risk associated with educational investment.  In 1971, nobel-prize winner, James Tobin, developed an ICR for use at Yale University.  The first national-level ICR was in Australia, which introduced its Higher Education Contribution Scheme in 1988; the idea quickly spread to New Zealand, the UK, and Sweden.

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March 8, 2013 No Comments

They’re From Queen’s Park, and They’re Here to Help

Want to know what’s in store for higher education in Ontario?  Take a quick look at the platforms of Liberal leadership contenders. Eric Hoskins’s five point “prescription” for a healthy Ontario omits education entirely.  Similarly, co-front runner Sandra Pupatello’s platform avoids any and all mention of education.  Ditto for Gerard Kennedy (at pixel time, he actually appears not to have a platform of any kind). Kathleen Wynne and Charles Sousa each have similar platform commitments to increasing co-op, experiential learning, etc.  In

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January 9, 2013 No Comments

Islamic Student Loans

READER’S NOTE: HESA does not have connections to any organizations that offer interest-free loans.    As-salaam Alaikum. Every once in awhile, someone in the student movement hears tell of interest in Islam being prohibited, thinks about student loans for a microsecond, and then comes up with the idea that student loans are “unislamic” and, hence, culturally inappropriate.  This, in the past, has led some in Canada to claim that the whole student aid system needs to be revised and made more

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December 12, 2012 14 Comments

Manageable Debt

One of the big questions in student loans these days concerns “manageable debt”.  How much debt is manageable, exactly?  And how do we best help borrowers whose debt is unmanageable? As nearly everyone agrees, manageable debt is a flexible concept. For someone with no income, pretty much any amount of debt is unmanageable.  As income rises, however, an increasing amount of debt can be serviced.   Interest rates and repayment terms matter too, of course;  any established debt-to-income ratio is a

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December 10, 2012 No Comments

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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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