| Working Paper |
File Downloads |
Abstract Views |
| Last month |
3 months |
12 months |
Total |
Last month |
3 months |
12 months |
Total |
| A Comparative Static Model of the Relationship Between Immigration and the Job Prospects of Unemployed Residents |
0 |
0 |
0 |
1 |
1 |
1 |
7 |
854 |
| A Profile of the Australian Labour Market |
0 |
0 |
0 |
0 |
1 |
2 |
4 |
17 |
| A Submission on Financing Issues to the Department of Education Science and Training Inquiry into Higher Education |
0 |
0 |
0 |
19 |
1 |
1 |
8 |
116 |
| AN ANALYSIS OF THE AUSTRALIAN CONSENSUAL INCOMES POLICY: THE PRICES AND INCOMES ACCORD |
0 |
0 |
0 |
1 |
1 |
3 |
10 |
1,764 |
| An Analysis of Australian Labour Market Programs |
0 |
0 |
0 |
1 |
1 |
2 |
8 |
1,050 |
| An Analysis of FEE-HELP in the Vocational Education and Training Sector |
0 |
0 |
0 |
108 |
0 |
2 |
14 |
396 |
| Analysing the Impact of Consensual Incomes Policy on Aggregate Wage Outcome: The 1980s Australian Experiment |
0 |
0 |
0 |
0 |
1 |
2 |
9 |
408 |
| Australian Higher Education Financing: Issues for Reform |
0 |
0 |
0 |
107 |
1 |
2 |
10 |
346 |
| Australian Postgraduate Financing Options |
0 |
0 |
0 |
13 |
0 |
0 |
3 |
49 |
| Australian Student Loans |
0 |
0 |
0 |
0 |
0 |
1 |
8 |
956 |
| Avoiding Recessions and Australian Long-Term Unemployment |
0 |
0 |
0 |
32 |
1 |
2 |
11 |
135 |
| Clarifying the Quit-Wage Nexus |
0 |
0 |
0 |
0 |
0 |
0 |
1 |
27 |
| Conceptual Issues and the Australian Experience with Income Contingent Charges for Higher Education |
0 |
0 |
0 |
1 |
1 |
3 |
13 |
829 |
| Credit Constraints And Training After Job Loss |
0 |
0 |
0 |
46 |
0 |
1 |
5 |
394 |
| Credit Constraints and Training after Job Loss |
0 |
0 |
0 |
48 |
0 |
0 |
6 |
294 |
| Developing Equtiable and Affordable Government Responses to Drought in Australia |
0 |
0 |
0 |
28 |
2 |
3 |
10 |
350 |
| Do Very High Tax Rates Induce Bunching? Implications for the Design of Income-Contingent Loan Schemes |
0 |
0 |
0 |
129 |
0 |
2 |
11 |
543 |
| Does the Size of the Budget Deficit Matter? |
0 |
0 |
0 |
0 |
0 |
2 |
6 |
52 |
| Fightback! Some Observations on the Higher Education Policies of the Coalition |
0 |
0 |
0 |
0 |
1 |
3 |
7 |
289 |
| Financing Adaptation to Climate-Induced Retreat from Coastal Inundation and Erosion |
0 |
0 |
0 |
29 |
0 |
1 |
8 |
97 |
| Financing Adaptation to Climate-Induced Retreat from Coastal Inundation and Erosion |
0 |
0 |
1 |
111 |
0 |
1 |
12 |
425 |
| From Silos to Seamlessness: Towards a Cross-sectoral Funding Model for Post-compulsory Education and Training |
0 |
0 |
0 |
25 |
0 |
1 |
12 |
151 |
| Government, Human Capital Formation and Higher Education |
0 |
0 |
0 |
0 |
1 |
2 |
5 |
657 |
| HECS System Changes: Impact on Students |
0 |
0 |
0 |
102 |
0 |
0 |
14 |
572 |
| HECS for TAFE: The case for extending income contingent loans |
0 |
0 |
0 |
18 |
0 |
0 |
4 |
98 |
| How Many Jobs is 23,510, Really? |
0 |
0 |
0 |
31 |
0 |
1 |
14 |
261 |
| How Many Jobs is 23,510, Really? Recasting the Mining Job Loss Debate |
0 |
0 |
0 |
1 |
1 |
2 |
5 |
43 |
| How Many Jobs is 23,510, Really? Recasting the Mining Job Loss Debate |
0 |
0 |
0 |
72 |
0 |
2 |
15 |
363 |
| Human Capital Accumulation: Education and Immigration |
0 |
0 |
0 |
161 |
0 |
0 |
9 |
586 |
| Immigrant Male Wages in Australia: the Role of Education |
0 |
0 |
0 |
0 |
1 |
2 |
10 |
751 |
| Income Contingent Loans for Drought Relief: Delivering better outcomes for farmers and taxpayers |
0 |
0 |
0 |
47 |
1 |
3 |
9 |
148 |
| Income Contingent Loans for Higher Education: International Reform |
1 |
3 |
8 |
1,016 |
4 |
13 |
77 |
3,162 |
| Income Contingent Loans for Paid Parental Leave |
0 |
0 |
0 |
35 |
1 |
1 |
10 |
212 |
| Income Contingent Student Loans for Thailand: Alternatives Compared |
0 |
0 |
0 |
26 |
0 |
2 |
8 |
136 |
| Income Contingent Student Loans for Thailand: Alternatives Compared |
0 |
0 |
0 |
127 |
1 |
5 |
17 |
494 |
| Income Related Loans for Drought Relief |
0 |
0 |
0 |
50 |
1 |
3 |
15 |
273 |
| Income-Contingent Financing of Student Charges for Higher Education: Assessing the Australian Innovation |
0 |
0 |
0 |
471 |
2 |
4 |
17 |
1,538 |
| International Dimensions in the Financing of Higher Education |
0 |
0 |
0 |
165 |
1 |
3 |
12 |
531 |
| Long Term Unemployment: Projections and Policy |
0 |
0 |
0 |
1 |
1 |
1 |
8 |
1,686 |
| Marital status is misunderstood in happiness models |
0 |
2 |
2 |
172 |
1 |
5 |
15 |
829 |
| Modelling Higher Education Financing Reform for Ireland |
0 |
0 |
0 |
128 |
1 |
1 |
14 |
416 |
| Predicting the Long-Term Unemployed: A primer for the Commonwealth Employment Service |
0 |
0 |
0 |
1 |
1 |
1 |
5 |
480 |
| Profit Related Loans for Economically Disadvantaged Regions |
0 |
0 |
0 |
29 |
1 |
1 |
14 |
253 |
| Reflections on the US College Loans System: Lessons from Australia and England |
0 |
0 |
0 |
9 |
0 |
1 |
5 |
71 |
| Reflections on the US College Loans System: Lessons from Australia and England |
0 |
0 |
0 |
16 |
0 |
0 |
6 |
69 |
| Reflections on the US College Loans System: Lessons from Australia and EnglandAbstract: There is wide agreement the US student loan system faces significant problems. Seven million borrowers are in default and many more experience non-repayment. The stress of repayments faced by many students results at least in part from the design of US student loans. Specifically, loans are organised like a mortgage, with fixed monthly repayments over a fixed period of time, creating a high repayment burden on borrowers with low income. This paper draws on the experience of the income-contingent loan (ICL) systems operating in England and Australia, in which monthly repayments are related to the borrower's monthly income. By design, those systems explicitly include insurance against problems of repayment during periods of low income. We discuss the design of this type of loan in detail since such an exercise seems to be largely absent in the US literature. Drawing on data from the US Current Population Survey (CPS) we provide two main empirical contributions. - A stylised illustration of the revenue and distributional implications of different hypothetical ICL arrangements for the USA; and - An illustration of repayment problems faced by low-earning borrowers in the US loan system, including a plausible example of adverse outcomes in the Stafford loan. Importantly, we compare repayment burdens under the existing and alternative systems. Our illustrations show how US mortgage-style loans can create financial difficulties for a significant minority of US borrowers, difficulties which a well-designed ICL has significant potential to address |
0 |
0 |
4 |
67 |
0 |
1 |
16 |
514 |
| Reforming Youth Allowance: The “Independent-at- Home” Category |
0 |
0 |
0 |
27 |
1 |
2 |
14 |
368 |
| Rejuvenating Financial Penalties: Using the Tax System to Collect Fines |
0 |
0 |
0 |
32 |
1 |
2 |
12 |
174 |
| Repayment Burdens of Student Loans for Vietnamese Higher Education |
1 |
1 |
1 |
46 |
1 |
2 |
28 |
232 |
| Repayment Burdens with US College Loans |
0 |
0 |
0 |
67 |
0 |
0 |
7 |
208 |
| School and Tertiary Student Participation and the Level of Family Income |
0 |
0 |
0 |
0 |
0 |
1 |
6 |
31 |
| Socioeconomic status and gender gaps in educational outcomes across the life course: New distributional evidence |
0 |
0 |
30 |
30 |
0 |
3 |
20 |
20 |
| Socioeconomic status and gender gaps in educational outcomes across the life course: New distributional evidence from linked census-administrative data |
1 |
3 |
17 |
17 |
7 |
17 |
24 |
24 |
| Some Financing Issues for Australian Higher Education Teaching |
0 |
0 |
0 |
1 |
0 |
1 |
6 |
618 |
| Student Loan Reforms for German Higher Education: Financing Tuition Fees |
0 |
0 |
0 |
57 |
0 |
0 |
10 |
222 |
| Student Loan Reforms for German Higher Education: Financing Tuition Fees |
0 |
0 |
2 |
44 |
2 |
3 |
16 |
344 |
| Student Loan Reforms for German Higher Education: Financing Tuition Fees |
0 |
0 |
0 |
86 |
1 |
1 |
9 |
501 |
| Testing Issues of Labour Turnover |
0 |
0 |
0 |
0 |
0 |
1 |
4 |
30 |
| Thailand’s Student Loan Fund: An Analysis of Interest Rate Subsidies and Repayment Hardships |
0 |
0 |
1 |
209 |
0 |
6 |
45 |
1,122 |
| The Access Implications of Income Contingent Charges for Higher Education: Lessons from Australia |
0 |
0 |
2 |
263 |
1 |
1 |
16 |
625 |
| The Australian University Student Financing System: The Rationale for, and Experience with, Income Contingent Loans |
0 |
0 |
1 |
89 |
0 |
0 |
7 |
228 |
| The Changing Pattern of Immigrants' Labour Market Experiences |
0 |
0 |
0 |
52 |
0 |
1 |
14 |
189 |
| The Consequences of Recent Changes in Financing for Australian Higher Education |
0 |
0 |
0 |
0 |
0 |
1 |
13 |
702 |
| The Costs of Unpaid HECS Debts from Graduates Going Overseas |
0 |
0 |
0 |
63 |
0 |
0 |
10 |
213 |
| The Foregone Earnings From Child Rearing Revisited |
0 |
0 |
0 |
40 |
1 |
1 |
7 |
205 |
| The Transformation of Australia's Population, 1970 to 2030 Labour Force, Employment and Unemployment |
0 |
0 |
0 |
143 |
0 |
0 |
16 |
868 |
| The US college loans system: lessons from Australia and England |
0 |
0 |
0 |
4 |
0 |
0 |
12 |
42 |
| The Unemployment Trap Meets the Age-Earning Profile |
0 |
0 |
0 |
70 |
0 |
2 |
16 |
813 |
| The Value of Don Bradman: Additional Revenue in Australian Ashes Tests |
0 |
0 |
0 |
54 |
1 |
4 |
12 |
690 |
| Unemployment Duration, Schooling and Property Crime |
0 |
0 |
0 |
94 |
0 |
1 |
10 |
299 |
| Using Income Contingent Loans for the Financing of the Next Million Australian Solar Rooftops |
0 |
0 |
0 |
53 |
0 |
1 |
17 |
144 |
| Using Income Contingent Loans for the Financing of the Next Million Australian Solar Rooftops |
0 |
0 |
0 |
30 |
0 |
2 |
10 |
66 |
| Using Income Contingent Loans for the Financing of the Next Million Australian Solar Rooftops |
0 |
0 |
0 |
8 |
0 |
3 |
14 |
47 |
| What's love got to do with it? Homogamy and dyadic approaches to understanding marital instability |
1 |
1 |
2 |
360 |
2 |
4 |
18 |
3,616 |
| Youth Unemployment: Aggregate Incidence and Consequences for Individuals |
0 |
0 |
0 |
63 |
0 |
1 |
8 |
309 |
| Youth Unemployment: Aggregate Incidence and Consequences for Individuals |
0 |
0 |
0 |
215 |
0 |
0 |
12 |
1,097 |
| Total Working Papers |
4 |
10 |
71 |
5,661 |
49 |
150 |
920 |
37,732 |
| Journal Article |
File Downloads |
Abstract Views |
| Last month |
3 months |
12 months |
Total |
Last month |
3 months |
12 months |
Total |
| 2020 Summit: ‘An Australian on Mars by 2020’ |
0 |
0 |
0 |
5 |
0 |
2 |
4 |
24 |
| A Comparative Static Model of the Relationship between Immigration and the Short‐Run Job Prospects of Unemployed Residents |
0 |
0 |
0 |
3 |
1 |
1 |
11 |
22 |
| A New Arrangement for Confidentialised Unit Record Files |
0 |
0 |
0 |
5 |
0 |
0 |
8 |
71 |
| A Revenue Contingent Loan Instrument for Agricultural Credit with Particular Reference to Drought Relief |
0 |
0 |
0 |
3 |
0 |
3 |
11 |
145 |
| An Economic Analysis of the Higher Education Contribution Scheme of the Wran Report |
0 |
0 |
0 |
59 |
0 |
2 |
8 |
148 |
| An Empirical Analysis of Australian Strike Activity: Estimating the Industrial Relations Effect of the First Three Years of the Prices and Incomes Accord |
0 |
0 |
0 |
1 |
1 |
3 |
13 |
23 |
| An Income contingent Loan for Extending Paid Parental Leave |
0 |
0 |
0 |
6 |
0 |
0 |
11 |
143 |
| An analysis of Stafford loan repayment burdens |
0 |
0 |
1 |
42 |
2 |
3 |
18 |
218 |
| Assisting Ukraine in War |
0 |
0 |
2 |
2 |
0 |
1 |
8 |
8 |
| Australian Postgraduate Financing Options |
0 |
0 |
0 |
1 |
0 |
0 |
4 |
12 |
| Australian Student Loans |
0 |
0 |
0 |
19 |
0 |
0 |
7 |
120 |
| Comment on ’Towards Full Employment’ |
0 |
0 |
0 |
1 |
0 |
2 |
10 |
23 |
| Comment: on ‘Labour Markets from the Microeconomic Perspective: Implicit Contract Theory’ |
0 |
0 |
0 |
3 |
0 |
0 |
8 |
29 |
| Conceptual Issues and the Australian Experience with Income Contingent Charges for Higher Education |
0 |
0 |
1 |
202 |
0 |
3 |
9 |
482 |
| Conceptual and Empirical Issues for Alternative Student Loan Designs: The Significance of Loan Repayment Burdens for the United States |
0 |
0 |
2 |
7 |
0 |
1 |
13 |
29 |
| Continuity and Change: Labour Market Programs and Education Expenditure |
0 |
0 |
0 |
4 |
0 |
1 |
7 |
38 |
| Costing the Job Compact |
0 |
0 |
0 |
0 |
0 |
0 |
10 |
14 |
| Creating Jobs – The Role of Government: Introduction |
0 |
0 |
0 |
0 |
0 |
0 |
2 |
93 |
| Declining Strike Activity in Australia 1983–85: An International Phenomenon? |
0 |
0 |
0 |
0 |
0 |
1 |
12 |
18 |
| Distinguished Fellow of the Economic Society of Australia, 2001: Robert G. Gregory |
0 |
0 |
0 |
0 |
0 |
1 |
3 |
5 |
| Do Very High Tax Rates Induce Bunching? Implications for the Design of Income Contingent Loan Schemes |
0 |
0 |
0 |
26 |
0 |
1 |
12 |
109 |
| Driving Productivity Growth |
0 |
0 |
0 |
0 |
0 |
2 |
6 |
6 |
| Exploring Creative Appliances of Income Contingent Loans |
0 |
0 |
0 |
1 |
0 |
0 |
5 |
78 |
| F. H. G. Gruen: 1921‐97 |
0 |
0 |
0 |
0 |
0 |
2 |
9 |
14 |
| Government Intervention in the Provision of On-the-Job Training |
0 |
0 |
0 |
0 |
0 |
1 |
4 |
134 |
| HECS System Changes: Impact on Students |
0 |
0 |
0 |
6 |
0 |
2 |
16 |
33 |
| Higher Education Financing in Australia |
0 |
0 |
0 |
2 |
0 |
0 |
2 |
9 |
| How Many Jobs Is 23,510, Really? |
0 |
0 |
0 |
10 |
0 |
3 |
15 |
107 |
| Immigrant Wage Adjustment in Australia: Cross Section and Time‐Series Estimates |
0 |
0 |
0 |
3 |
0 |
0 |
5 |
14 |
| Income Contingent Loans for Mature Aged Training |
0 |
0 |
0 |
2 |
0 |
2 |
9 |
122 |
| Income contingent loans in higher education financing |
0 |
1 |
1 |
28 |
0 |
4 |
23 |
138 |
| Income contingent student loans for Thailand: Alternatives compared |
0 |
0 |
0 |
45 |
1 |
2 |
24 |
190 |
| Income-Contingent College Loans: Correspondence |
0 |
0 |
0 |
3 |
1 |
2 |
3 |
185 |
| Income-contingent loans in higher education financing |
0 |
0 |
3 |
11 |
1 |
3 |
25 |
52 |
| Introduction |
0 |
0 |
0 |
0 |
0 |
2 |
10 |
51 |
| Introduction and Appendix: The Household, Income and Labour Dynamics in Australia (HILDA) Survey Special Issue: Case Studies in Labour Economics |
0 |
0 |
0 |
0 |
0 |
0 |
16 |
68 |
| Introduction to the Bobfest |
0 |
0 |
0 |
8 |
0 |
1 |
6 |
73 |
| Introduction to the special issue on Economic Research for Education Policy |
0 |
0 |
0 |
28 |
1 |
1 |
8 |
122 |
| Labor Turnover Bias in Estimating Wages |
0 |
0 |
0 |
12 |
0 |
0 |
7 |
93 |
| Labour Turnover and Wage Determination |
0 |
0 |
0 |
0 |
0 |
2 |
5 |
55 |
| Learning to Live with Loans? International Policy Transfer and the Funding of Higher Education |
0 |
0 |
0 |
62 |
0 |
2 |
9 |
203 |
| Long Term Unemployment: The Case for Policy Reform |
0 |
0 |
0 |
0 |
2 |
2 |
9 |
10 |
| Long‐Term Unemployment: The Dimensions of the Problem |
0 |
0 |
0 |
13 |
0 |
1 |
3 |
69 |
| Modelling higher education financing reform for Ireland |
0 |
0 |
0 |
15 |
1 |
2 |
16 |
89 |
| Multi‐Exposure Pathway Model to Compare Escherichia coli O157 Risks and Interventions |
0 |
0 |
0 |
3 |
1 |
1 |
11 |
23 |
| Peter Kenyon 1952-2012: A memoir and tribute |
0 |
0 |
0 |
0 |
0 |
1 |
7 |
13 |
| Reforming HECS-HELP: Towards equity with repayment longevity and subsidies |
0 |
0 |
0 |
0 |
0 |
2 |
2 |
2 |
| Reforming Youth Allowance: The “Independent‐at‐Home” Category |
0 |
0 |
0 |
15 |
0 |
3 |
7 |
89 |
| Relationship break-down and the economic welfare of Australian mothers and their children |
0 |
0 |
0 |
1 |
0 |
1 |
7 |
81 |
| Repayment burdens of mortgage-style student loans in China and steps toward income-contingent loans |
0 |
0 |
3 |
17 |
0 |
10 |
28 |
126 |
| Repayment burdens of student loans for Vietnamese higher education |
0 |
0 |
0 |
29 |
1 |
1 |
27 |
199 |
| Revisiting revenue contingent loans for drought relief: government as risk manager |
0 |
0 |
0 |
1 |
0 |
3 |
16 |
21 |
| Revisiting revenue contingent loans for drought relief: government as risk manager |
0 |
0 |
0 |
3 |
0 |
4 |
11 |
33 |
| Russell Ross: A tribute |
0 |
0 |
0 |
0 |
0 |
1 |
1 |
1 |
| Sex Differences in Labour Turnover in the Australian Public Service |
0 |
0 |
0 |
0 |
0 |
0 |
8 |
16 |
| Sex and Location Differences in Wages in the Australian Public Service |
0 |
0 |
0 |
0 |
0 |
0 |
7 |
209 |
| Some Labour Market Measurement Issues for Indigenous Australians |
0 |
0 |
0 |
1 |
0 |
1 |
9 |
76 |
| Some Observations on Wage-Setting Practices in The Australian Labour Market System |
0 |
0 |
0 |
2 |
0 |
1 |
7 |
20 |
| Specific Training and Inter-Industry Wage Differentials in U.S. Manufacturing |
0 |
0 |
0 |
5 |
0 |
1 |
5 |
52 |
| Steven Dowrick 7 May 1953–3 August 2013: tributes |
0 |
0 |
0 |
0 |
0 |
1 |
5 |
6 |
| Student loan reforms for German higher education: financing tuition fees |
0 |
0 |
0 |
23 |
0 |
0 |
9 |
145 |
| THE VALUE OF DON BRADMAN: ADDITIONAL REVENUE IN AUSTRALIAN ASHES TESTS |
0 |
0 |
0 |
5 |
0 |
3 |
14 |
62 |
| Thailand's Student Loans Fund: Interest rate subsidies and repayment burdens |
0 |
0 |
0 |
22 |
0 |
2 |
17 |
157 |
| The Costs of Unpaid Higher Education Contribution Scheme Debts of Graduates Working Abroad |
0 |
0 |
0 |
8 |
0 |
2 |
11 |
70 |
| The Debt Trap |
0 |
0 |
1 |
7 |
0 |
1 |
12 |
31 |
| The Impact of Children on the Lifetime Earnings of Australian Women: Evidence from the 1990s |
0 |
0 |
0 |
14 |
0 |
2 |
6 |
69 |
| The Knowledge Capital of Nations: Education and the Economics of Growth, by Eric A. Hanushek and Ludger Woessmann ( MIT Press, Cambridge, MA, 2015 ), pp. 280 |
1 |
1 |
12 |
43 |
2 |
2 |
30 |
102 |
| The Policy Providers: A History of the Melbourne Institute of Applied Economic and Social Research 1962–2012, by Ross Williams ( Melbourne University Publishing, Carlton, Vic., 2012 ), pp. xiv + 194 |
0 |
0 |
0 |
4 |
0 |
0 |
3 |
28 |
| The Student Loan Mess: How Good Intentions Created a Trillion†Dollar Problem |
0 |
0 |
0 |
14 |
1 |
2 |
11 |
44 |
| The US college loans system: Lessons from Australia and England |
0 |
0 |
0 |
25 |
0 |
4 |
22 |
146 |
| The access implications of income-contingent charges for higher education: lessons from Australia |
0 |
1 |
2 |
191 |
0 |
4 |
19 |
505 |
| Unemployment traps and age-earnings profiles: estimates for Australia in 2000 |
0 |
0 |
0 |
0 |
0 |
1 |
11 |
53 |
| Wage Policy Perspectives on the Accord |
0 |
0 |
0 |
1 |
0 |
0 |
4 |
19 |
| Total Journal Articles |
1 |
3 |
28 |
1,072 |
16 |
115 |
751 |
6,087 |
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