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Tag: Student Loans

Loans Work

If you spend any time looking at student aid research, you’ll be struck by how much empirical evidence there is on the effectiveness of grants (or, more broadly, “changes in net tuition”), and how little there is in terms of the effectiveness of loans.  Thus, one might be tempted to think that this means grants are effective and loans are not, but it’s a bit more complicated than that. There are a couple of reasons why it has been difficult

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February 6, 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

Two Ways of Thinking About Student Aid and Equity

Stop me if you’ve heard this one before: Take two students.  One of them comes from a poor family and needs student aid, the other, by dint of having wealthier parents, is either ineligible for aid, or can manage somehow to get through school without it.  One therefore finishes school with debt and the other does not.  Because the debt carries interest, the poor student pays “more” than the better-off student.  And because the poorer student will start their career

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June 11, 2018 2 Comments

Financial Barriers

Following on from yesterday’s blog about Human Capital Theory, I thought it would be worth talking a little more broadly about financial barriers to higher education and what we mean by that term.  Because there are at least three different phenomena at work, and much too much policy confuses the three. The first type of possible financial barrier is the one we encountered yesterday: the “value for money” barrier, (or alternatively, the “is it worth it” barrier).   A free master’s

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May 10, 2018 No Comments

Student Loan Interest Rate Policy

One student aid policy debate that pops up periodically around the world – most recently in the United Kingdom – is the question of interest rates.  On the one hand, you have people who use a slightly medieval line of thought to claim that any interest on loans is a form of “profit” and hence verboten where students are concerned.  On the other side, you have people who note that loan interest subsidies by definition only help people who have already “made it” to

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November 6, 2017 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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