| Working Paper |
File Downloads |
Abstract Views |
| Last month |
3 months |
12 months |
Total |
Last month |
3 months |
12 months |
Total |
| Ability, families, education and earnings in Britain |
0 |
0 |
0 |
196 |
3 |
4 |
7 |
658 |
| Administrative Data and Economic Policy Evaluation |
0 |
0 |
0 |
36 |
2 |
3 |
4 |
120 |
| An In-Depth Analysis of the Returns to National Vocational Qualifications Obtained at level 2 |
0 |
0 |
0 |
42 |
3 |
4 |
6 |
170 |
| Education Subsidies and School Drop-Out Rates |
0 |
0 |
0 |
72 |
1 |
3 |
4 |
375 |
| Education subsidies and school drop-out rates |
0 |
0 |
0 |
242 |
2 |
3 |
4 |
1,642 |
| Estimating the Returns to Education: Models, Methods and Results |
0 |
0 |
1 |
645 |
2 |
3 |
10 |
1,317 |
| Ethnic Parity in Labour Market Outcomes for Benefit Claimants |
0 |
0 |
0 |
18 |
1 |
3 |
3 |
101 |
| Ethnic parity in labour market outcomes for benefit claimants |
0 |
0 |
0 |
20 |
2 |
2 |
5 |
132 |
| Ethnic parity in labour market outcomes for benefit claimants in Great Britain |
0 |
0 |
1 |
19 |
0 |
2 |
4 |
110 |
| Evaluating the Impact of Education on Earnings in the UK: Models, Methods and Results from the NCDS |
0 |
0 |
1 |
122 |
1 |
6 |
12 |
362 |
| Evaluating the impact of education on earnings in the UK: Models, methods and results from the NCDS |
0 |
0 |
0 |
952 |
2 |
5 |
10 |
2,285 |
| Evaluating the impact of education on earnings in the UK: models, methods and results from the NCDS |
0 |
0 |
0 |
10 |
2 |
9 |
12 |
71 |
| Getting student loans right in Japan: problems and possible solutions |
0 |
0 |
0 |
38 |
6 |
7 |
14 |
102 |
| Higher education funding reforms in England: the distributional effects and the shifting balance of costs |
0 |
0 |
0 |
281 |
3 |
3 |
6 |
739 |
| How English domiciled graduate earnings vary with gender, institution attended, subject and socio-economic background |
0 |
0 |
2 |
82 |
2 |
4 |
8 |
269 |
| How much does degree choice matter? |
0 |
0 |
1 |
21 |
2 |
4 |
10 |
85 |
| Identifying the drivers of month of birth differences in educational attainment |
0 |
0 |
0 |
34 |
2 |
3 |
6 |
96 |
| Identifying the drivers of month of birth differences in educational attainment |
0 |
0 |
0 |
45 |
3 |
6 |
7 |
135 |
| Intergenerational Mobility in Britain |
0 |
0 |
0 |
0 |
1 |
2 |
4 |
197 |
| Intergenerational mobility in Britain |
0 |
0 |
0 |
22 |
2 |
4 |
7 |
937 |
| Measuring school value added with administrative data: the problem of missing variables |
0 |
0 |
0 |
69 |
0 |
0 |
0 |
208 |
| Money for nothing: estimating the impact of student aid on participation in Higher Education |
0 |
1 |
1 |
68 |
0 |
2 |
5 |
207 |
| Money for nothing: estimating the impact of student aid on participation in higher education |
0 |
0 |
0 |
17 |
1 |
2 |
5 |
58 |
| Qualifications and earnings in Britain: how reliable are conventional OLS estimates of the returns to education? |
0 |
0 |
7 |
531 |
3 |
8 |
17 |
2,183 |
| Reflections on the US College Loans System: Lessons from Australia and England |
0 |
0 |
0 |
9 |
0 |
2 |
6 |
68 |
| Reflections on the US College Loans System: Lessons from Australia and England |
0 |
0 |
0 |
16 |
0 |
1 |
1 |
64 |
| 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 |
1 |
1 |
1 |
64 |
4 |
5 |
10 |
503 |
| Returns to Education for the Marginal Learner: Evidence from the BCS70 |
0 |
0 |
0 |
92 |
2 |
8 |
12 |
281 |
| The Effectiveness of English Secondary Schools for Pupils of Different Ability Levels |
0 |
0 |
0 |
34 |
1 |
1 |
6 |
119 |
| The Impact of Training on Productivity and Wages: Evidence from British Panel Data |
2 |
3 |
5 |
1,358 |
3 |
11 |
31 |
5,479 |
| The Impact of Tuition Fees and Support on University Participation in the UK |
0 |
0 |
1 |
495 |
3 |
10 |
23 |
1,773 |
| The Returns to Academic and Vocational Qualifications in Britain |
0 |
0 |
2 |
303 |
1 |
6 |
13 |
800 |
| The Role of Credit Constraints in Educational Choices: Evidence from NCDS and BCS70 |
0 |
0 |
0 |
32 |
2 |
2 |
2 |
129 |
| The US college loans system: lessons from Australia and England |
0 |
0 |
0 |
4 |
0 |
3 |
5 |
33 |
| The demand for private schooling in England: the impact of price and quality |
0 |
0 |
1 |
75 |
2 |
2 |
12 |
203 |
| The drivers of month of birth differences in children's cognitive and non-cognitive skills: a regression discontinuity analysis |
0 |
0 |
0 |
31 |
2 |
2 |
3 |
90 |
| The drivers of month of birth differences in children's cognitive and non-cognitive skills: a regression discontinuity analysis |
0 |
0 |
0 |
29 |
6 |
7 |
8 |
96 |
| The effect of school quality on educational attainment and wages |
0 |
0 |
0 |
5 |
0 |
4 |
5 |
331 |
| The effect of school quality on educational attainment and wages |
0 |
0 |
0 |
413 |
3 |
9 |
11 |
1,678 |
| The effectiveness of English secondary schools for pupils of different ability levels |
0 |
0 |
0 |
45 |
0 |
1 |
5 |
198 |
| The effects of higher education funding reforms on the lifetime incomes of graduates |
0 |
0 |
0 |
42 |
1 |
2 |
4 |
156 |
| The impact of age within academic year on adult outcomes |
0 |
0 |
0 |
14 |
5 |
9 |
12 |
88 |
| The impact of age within academic year on adult outcomes |
0 |
0 |
1 |
65 |
4 |
6 |
12 |
98 |
| The impact of training on productivity and wages: evidence from British panel data |
0 |
0 |
0 |
0 |
2 |
4 |
4 |
4 |
| The impact of training on productivity and wages: evidence from British panel data |
0 |
0 |
2 |
370 |
4 |
9 |
13 |
1,259 |
| The impact of tuition fees and support on university participation in the UK |
0 |
0 |
0 |
182 |
4 |
6 |
15 |
528 |
| The role of credit constraints in educational choices: evidence from NCDS and BCS70 |
0 |
0 |
0 |
6 |
1 |
2 |
2 |
34 |
| The socio-economic gradient in early child outcomes: evidence from the Millennium Cohort Study |
0 |
1 |
1 |
67 |
4 |
6 |
9 |
171 |
| What determines private school choice? a comparison between the UK and Australia |
0 |
0 |
1 |
128 |
3 |
5 |
7 |
389 |
| When You Are Born Matters: The Imapct of Date of Birth on Child Cognitive Outcomes in England |
0 |
0 |
0 |
183 |
2 |
5 |
7 |
579 |
| When you are born matters: the impact of date of birth on educational outcomes in England |
0 |
0 |
0 |
38 |
2 |
3 |
3 |
198 |
| When you are born matters: the impact of date of birth on educational outcomes in England |
0 |
0 |
2 |
215 |
5 |
6 |
14 |
867 |
| Who Gains when Workers Train? Training and Corporate Productivity in a Panel of British Industries |
0 |
0 |
0 |
389 |
2 |
3 |
8 |
1,316 |
| Widening Participation in Higher Education: Analysis Using Linked Administrative Data |
0 |
0 |
0 |
20 |
2 |
6 |
8 |
203 |
| Widening Participation in Higher Education: Analysis Using Linked Administrative Data |
0 |
0 |
0 |
73 |
2 |
5 |
8 |
240 |
| Widening participation in higher education: analysis using linked administrative data |
0 |
0 |
0 |
65 |
0 |
3 |
7 |
251 |
| Total Working Papers |
3 |
6 |
31 |
8,444 |
118 |
246 |
456 |
30,785 |
| Journal Article |
File Downloads |
Abstract Views |
| Last month |
3 months |
12 months |
Total |
Last month |
3 months |
12 months |
Total |
| Administrative Data and Economic Policy Evaluation |
0 |
0 |
0 |
8 |
0 |
1 |
2 |
55 |
| Conceptual and Empirical Issues for Alternative Student Loan Designs: The Significance of Loan Repayment Burdens for the United States |
0 |
0 |
2 |
5 |
0 |
0 |
7 |
16 |
| Conditional Cash Transfers and School Dropout Rates |
0 |
0 |
1 |
214 |
1 |
3 |
9 |
511 |
| Ethnic differences in birth outcomes in England |
0 |
0 |
0 |
0 |
1 |
2 |
3 |
172 |
| Evaluating and designing student loan systems: An overview of empirical approaches |
0 |
0 |
2 |
15 |
1 |
2 |
9 |
88 |
| Evaluating the effect of education on earnings: models, methods and results from the National Child Development Survey |
0 |
2 |
4 |
307 |
1 |
7 |
16 |
755 |
| Higher Education Finance in the UK |
0 |
0 |
1 |
21 |
0 |
1 |
3 |
65 |
| Higher Education Funding Reforms in England: The Distributional Effects and the Shifting Balance of Costs |
0 |
0 |
0 |
209 |
3 |
4 |
8 |
625 |
| Higher Education Funding Reforms in England: The Distributional Effects and the Shifting Balance of Costs |
0 |
0 |
0 |
5 |
2 |
2 |
4 |
16 |
| How much does degree choice matter? |
1 |
1 |
2 |
10 |
5 |
10 |
19 |
42 |
| Human capital investment: the returns from education and training to the individual, the firm and the economy |
0 |
1 |
6 |
1,041 |
12 |
18 |
40 |
4,238 |
| Income support and staying in school: what can we learn from Australia's AUSTUDY experiment? |
0 |
0 |
1 |
39 |
2 |
5 |
6 |
499 |
| Income-contingent loans in higher education financing |
1 |
1 |
3 |
9 |
4 |
7 |
17 |
34 |
| Intergenerational Mobility in Britain |
0 |
0 |
0 |
421 |
2 |
3 |
6 |
1,216 |
| Is Improving Access to University Enough? Socio‐Economic Gaps in the Earnings of English Graduates |
0 |
0 |
0 |
4 |
3 |
5 |
8 |
25 |
| Measuring School Value Added with Administrative Data: The Problem of Missing Variables |
0 |
0 |
0 |
16 |
1 |
2 |
2 |
88 |
| Modelling alternative student loan schemes for Brazil |
0 |
0 |
0 |
18 |
1 |
1 |
7 |
93 |
| Money for nothing: Estimating the impact of student aid on participation in higher education |
0 |
0 |
5 |
31 |
0 |
3 |
22 |
160 |
| Public Finance, Employment and Labor Markets |
0 |
0 |
0 |
17 |
3 |
6 |
8 |
144 |
| Schools, Markets and League Tables |
0 |
1 |
1 |
15 |
3 |
4 |
4 |
50 |
| Social Security in a "Moral Economy": An Empirical Analysis for Java |
0 |
0 |
0 |
211 |
0 |
0 |
1 |
694 |
| Student loans in Japan: Current problems and possible solutions |
0 |
0 |
1 |
18 |
19 |
28 |
39 |
148 |
| The Distributional Impact of the 2012–13 Higher Education Funding Reforms in England |
0 |
0 |
0 |
17 |
3 |
3 |
4 |
76 |
| The Effect Of School Quality On Educational Attainment And Wages |
0 |
1 |
2 |
308 |
4 |
10 |
18 |
1,092 |
| The Effectiveness of English Secondary Schools for Pupils of Different Ability Levels |
0 |
0 |
0 |
22 |
1 |
3 |
5 |
97 |
| The Impact of Training on Productivity and Wages: Evidence from British Panel Data* |
1 |
2 |
4 |
337 |
2 |
15 |
36 |
1,227 |
| The Returns to Academic and Vocational Qualifications in Britain |
0 |
0 |
0 |
0 |
1 |
5 |
14 |
443 |
| The Returns to Higher Education in Britain: Evidence from a British Cohort |
0 |
0 |
0 |
887 |
3 |
5 |
10 |
2,006 |
| The US college loans system: Lessons from Australia and England |
0 |
0 |
0 |
25 |
3 |
3 |
11 |
127 |
| The drivers of month-of-birth differences in children's cognitive and non-cognitive skills |
0 |
0 |
0 |
16 |
0 |
7 |
10 |
77 |
| The effects of families and ability on men's education and earnings in Britain1 |
0 |
0 |
2 |
182 |
2 |
3 |
6 |
392 |
| What Determines Private School Choice? A Comparison between the United Kingdom and Australia |
0 |
0 |
1 |
8 |
1 |
2 |
5 |
50 |
| Widening participation in higher education: analysis using linked administrative data |
0 |
0 |
1 |
28 |
4 |
6 |
8 |
132 |
| Total Journal Articles |
3 |
9 |
39 |
4,464 |
88 |
176 |
367 |
15,453 |
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