Paying Back Your Country Through Income Contingent Student Loans

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Paying Back Your Country Through Income Contingent Student Loans

Author : Evelyn Brody
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (129 download)

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Book Synopsis Paying Back Your Country Through Income Contingent Student Loans by : Evelyn Brody

Download or read book Paying Back Your Country Through Income Contingent Student Loans written by Evelyn Brody and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This article uses the case of paying for a college education to study broad issues of equity, both between families and between generations. As a normative matter, I argue that we should subsidize the education of those who are disadvantaged, but that is because a college education generally 'pays off,' society as a whole should not subsidize most students. Rather, the government can serve the valuable function of simply ensuring that students have access to sufficient loans to finance their education. Congress recently enacted President Clinton's proposal to convert the federal role from a guarantor of student loans to a direct lender (for a phased-in portion of student loans). Direct lending will allow a novel repayment option: the graduate can elect to repay the government out of a modest percentage of her future income.Much of the article explores the difficulties of trying to determine an individual's financial resources, so that the government can best target its subsidies. When do we view the child separately from his family? When is it proper to look to a student's lifetime rather than current resources? Using the public finance literature, I examine the limitations of our governmental redistributive tools.Happily, most of the conceptual difficulties melt away in the face of an income-contingent repayment mechanism, which basically matches payments of principal and interest to the profits from an education. For most graduates, a percentage-of-income cap is the only real insurance they need against doing poorly in the job market. However, because President Clinton's proposal perpetuated existing federal subsidies in the guaranteed student loan program, Congress missed the opportunity to make the program fairer by applying analyses based on intergenerational equity and lifetime income.

Income Contingent Loans

Author : Timothy Higgins
Publisher : Springer
ISBN 13 : 1137413204
Total Pages : 312 pages
Book Rating : 4.1/5 (374 download)

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Book Synopsis Income Contingent Loans by : Timothy Higgins

Download or read book Income Contingent Loans written by Timothy Higgins and published by Springer. This book was released on 2014-05-28 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study explores the prospect of the application of the basic principles of ICL into many other potential areas of social and economic policy. Using case studies it evaluates previously implemented ICL schemes where interest rate subsidies are usually the norm, and questions the merits of this approach.

Income-Contingent Student Loan Repayment Systems Outside the U.S.

Author : National Association of Student Financial Aid Administrators (NASFAA)
Publisher :
ISBN 13 :
Total Pages : 13 pages
Book Rating : 4.:/5 (16 download)

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Book Synopsis Income-Contingent Student Loan Repayment Systems Outside the U.S. by : National Association of Student Financial Aid Administrators (NASFAA)

Download or read book Income-Contingent Student Loan Repayment Systems Outside the U.S. written by National Association of Student Financial Aid Administrators (NASFAA) and published by . This book was released on 2014 with total page 13 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is remarkable diversity in student loan systems throughout the world. In considering the ideal approach to system of loan repayment based on income here in the United States, it is valuable to examine the nature, successes, and failures of some other countries' methods of offering borrowers income-contingent student loan repayment. Two countries that seem to be particularly relevant to the efforts of this consortium are Australia and the Netherlands. While far from the only countries that use an income-contingent student loan repayment scheme, these two were selected for analysis because of the differences they illustrate: a "pure" system in the case of Australia and a "hybrid" system in the case of the Netherlands. This consortium's proposal for an auto-IBR system in "Automatic for the Borrower: How Repayment Based on Income Can Reduce Loan Defaults and Manage Risk" represents an ideological shift in the student loan system in the United States; a potentially complicated restructuring of the current system that would involve several government agencies. In striving for something simple, efficient and fair there is always a chance for unintended consequences; thus, there is value in looking to other countries to draw instruction from their experiences. In the two countries surveyed, there seems to be a delicate balance between uptake rate and overall cohort repayment rate. The Netherlands system suffers from a lack of participation, partially as a result of its opt-in nature, but the Australian system suffers from a substantial amount of debt that is unlikely to be repaid. Policymakers should consider this balance when they set objectives for an auto-IBR system and design the system to maximize participation while protecting against providing excessive loan forgiveness or opportunity for non-payment. [This paper accompanies "Automatic for the Borrower: How Repayment Based on Income Can Reduce Loan Defaults and Manage Risk" ED558514.].

Cost-sharing and Accessibility in Higher Education: A Fairer Deal?

Author : Pedro N. Teixeira
Publisher : Springer Science & Business Media
ISBN 13 : 140204660X
Total Pages : 364 pages
Book Rating : 4.4/5 (2 download)

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Book Synopsis Cost-sharing and Accessibility in Higher Education: A Fairer Deal? by : Pedro N. Teixeira

Download or read book Cost-sharing and Accessibility in Higher Education: A Fairer Deal? written by Pedro N. Teixeira and published by Springer Science & Business Media. This book was released on 2007-11-23 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: The demand and the costs for higher education have risen steeply in recent years. The most common response worldwide has been some form of cost sharing: shifting per-student costs from governments and taxpayers to parents and students. This timely book provides a comprehensive discussion of the concepts and consequences of cost-sharing in higher education. It offers a comparative approach based on several national case-studies, and proposes alternatives to prevalent approaches.

Financing Higher Education

Author : D. Bruce Johnstone
Publisher : BRILL
ISBN 13 : 9087900937
Total Pages : 312 pages
Book Rating : 4.0/5 (879 download)

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Book Synopsis Financing Higher Education by : D. Bruce Johnstone

Download or read book Financing Higher Education written by D. Bruce Johnstone and published by BRILL. This book was released on 2006-01-01 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: The underlying theory of cost-sharing as well as the description of its worldwide reach were developed from 1986 through 2006 mainly by the works of Johnstone and his Ford Foundation financed International Higher Education Finance and Accessibility Project at the State University of New York at Buffalo. The principal papers from this project are reproduced in this volume. They examine the worldwide shift in the burden of higher education costs from governments and taxpayers to parents and students, and the policies of grants, loans and other governmental interventions designed to maintain higher educational accessibility in the face of this shift.

Repaying Your Student Loans

Author :
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (3 download)

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Book Synopsis Repaying Your Student Loans by :

Download or read book Repaying Your Student Loans written by and published by . This book was released on 2002 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Handbook of the Economics of Education

Author : Eric A. Hanushek
Publisher : Elsevier
ISBN 13 : 0080465676
Total Pages : 743 pages
Book Rating : 4.0/5 (84 download)

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Book Synopsis Handbook of the Economics of Education by : Eric A. Hanushek

Download or read book Handbook of the Economics of Education written by Eric A. Hanushek and published by Elsevier. This book was released on 2006-10-30 with total page 743 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Handbooks in Economics series continues to provide the various branches of economics with handbooks which are definitive reference sources, suitable for use by professional researchers, advanced graduate students, or by those seeking a teaching supplement. With contributions from leading researchers, each Handbook presents an accurate, self-contained survey of the current state of the topic under examination. These surveys summarize the most recent discussions in journals, and elucidate new developments. Although original material is also included, the main aim of this series is the provision of comprehensive and accessible surveys *Every volume contains contributions from leading researchers *Each Handbook presents an accurate, self-contained survey of a particular topic *The series provides comprehensive and accessible surveys

International Encyclopedia of Education

Author :
Publisher : Elsevier
ISBN 13 : 0080448941
Total Pages : 6964 pages
Book Rating : 4.0/5 (84 download)

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Book Synopsis International Encyclopedia of Education by :

Download or read book International Encyclopedia of Education written by and published by Elsevier. This book was released on 2009-04-17 with total page 6964 pages. Available in PDF, EPUB and Kindle. Book excerpt: The field of education has experienced extraordinary technological, societal, and institutional change in recent years, making it one of the most fascinating yet complex fields of study in social science. Unequalled in its combination of authoritative scholarship and comprehensive coverage, International Encyclopedia of Education, Third Edition succeeds two highly successful previous editions (1985, 1994) in aiming to encapsulate research in this vibrant field for the twenty-first century reader. Under development for five years, this work encompasses over 1,000 articles across 24 individual areas of coverage, and is expected to become the dominant resource in the field. Education is a multidisciplinary and international field drawing on a wide range of social sciences and humanities disciplines, and this new edition comprehensively matches this diversity. The diverse background and multidisciplinary subject coverage of the Editorial Board ensure a balanced and objective academic framework, with 1,500 contributors representing over 100 countries, capturing a complete portrait of this evolving field. A totally new work, revamped with a wholly new editorial board, structure and brand-new list of meta-sections and articles Developed by an international panel of editors and authors drawn from senior academia Web-enhanced with supplementary multimedia audio and video files, hotlinked to relevant references and sources for further study Incorporates ca. 1,350 articles, with timely coverage of such topics as technology and learning, demography and social change, globalization, and adult learning, to name a few Offers two content delivery options - print and online - the latter of which provides anytime, anywhere access for multiple users and superior search functionality via ScienceDirect, as well as multimedia content, including audio and video files

Financing Higher Education

Author : N. A. Barr
Publisher : Psychology Press
ISBN 13 : 9780415348577
Total Pages : 340 pages
Book Rating : 4.3/5 (485 download)

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Book Synopsis Financing Higher Education by : N. A. Barr

Download or read book Financing Higher Education written by N. A. Barr and published by Psychology Press. This book was released on 2005 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: Nicholas Barr is the main expert in the funding of higher education in Britain, and has been active both in commentating on the process and in its implementation.

My Misspent Youth

Author : Meghan Daum
Publisher : Macmillan
ISBN 13 : 1250067650
Total Pages : 178 pages
Book Rating : 4.2/5 (5 download)

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Book Synopsis My Misspent Youth by : Meghan Daum

Download or read book My Misspent Youth written by Meghan Daum and published by Macmillan. This book was released on 2015-11-03 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: This first collection from an acclaimed young essayist in the tradition of Joan Didion delves into the center of things while closely examining the detritus that spills out along the way. Daum speaks to questions at the root of the contemporary experience, from the search for authenticity and interpersonal connection in a society defined by consumerism and media to the disenchantment of working in a "glamour profession".

The Global Findex Database 2017

Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 228 pages
Book Rating : 4.4/5 (648 download)

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Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt

Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

U.S. Tax Guide for Aliens

Author :
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.:/5 (3 download)

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Book Synopsis U.S. Tax Guide for Aliens by :

Download or read book U.S. Tax Guide for Aliens written by and published by . This book was released on 1990 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Taxing America

Author : Karen B. Brown
Publisher : NYU Press
ISBN 13 : 0814786243
Total Pages : 374 pages
Book Rating : 4.8/5 (147 download)

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Book Synopsis Taxing America by : Karen B. Brown

Download or read book Taxing America written by Karen B. Brown and published by NYU Press. This book was released on 1997-01-01 with total page 374 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the winter of 1996, Steve Forbes--publisher, heir, and presidential candidate--captured the American imagination with his proposal for a flat tax. But while Mr. Forbes claimed that such a tax would level the economic playing field by eliminating countless loopholes and miles of red tape, his actual proposal betrayed such claims to fairness by overtaxing workers and undertaxing financial capital. In the face of recent proposals for dramatic and far-reaching tax reform, Taxing America takes a critical look at the way the federal government collects its revenue and exposes the bias at the heart of a system which claims to be objective and fair. Contrary to traditional tax scholarship, these writers argue that an awareness of disability discrimination, economic exploitation, heterosexism, sexism and racism is crucial to any analysis of tax policy. Gathering together essays whose topics range from federal housing policy to environmental clean-up costs to tax treaty policy making, Karen B. Brown and Mary Louise Fellows present a philosophy that is as simple as it is radical: economic arrangements contribute significantly to the creation of social hierarchies and the perpetuation of discrimination. Given this reality, Brown and Fellows maintain that the goal of the federal tax law should be social justice and the disruption of discriminatory and exploitative practices.

Indebted

Author : Caitlin Zaloom
Publisher : Princeton University Press
ISBN 13 : 069121722X
Total Pages : 286 pages
Book Rating : 4.6/5 (912 download)

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Book Synopsis Indebted by : Caitlin Zaloom

Download or read book Indebted written by Caitlin Zaloom and published by Princeton University Press. This book was released on 2021-05-04 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: "'Indebted' takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life"--Amazon

College Success

Author : Amy Baldwin
Publisher :
ISBN 13 : 9781951693169
Total Pages : pages
Book Rating : 4.6/5 (931 download)

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Book Synopsis College Success by : Amy Baldwin

Download or read book College Success written by Amy Baldwin and published by . This book was released on 2020-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Paying for a College Education

Author : United States. Congress. House. Committee on Education and Labor. Subcommittee on Higher Education, Lifelong Learning, and Competitiveness
Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Paying for a College Education by : United States. Congress. House. Committee on Education and Labor. Subcommittee on Higher Education, Lifelong Learning, and Competitiveness

Download or read book Paying for a College Education written by United States. Congress. House. Committee on Education and Labor. Subcommittee on Higher Education, Lifelong Learning, and Competitiveness and published by . This book was released on 2007 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Public Policy and Higher Education: Strategies for Framing a Research Agenda

Author : Nicholas W Hillman
Publisher : John Wiley & Sons
ISBN 13 : 1119067812
Total Pages : 112 pages
Book Rating : 4.1/5 (19 download)

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Book Synopsis Public Policy and Higher Education: Strategies for Framing a Research Agenda by : Nicholas W Hillman

Download or read book Public Policy and Higher Education: Strategies for Framing a Research Agenda written by Nicholas W Hillman and published by John Wiley & Sons. This book was released on 2015-03-16 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conducting "policy relevant" research remains one of the more elusive quests facing higher education scholars. Yet, it is one of the most important since evidence-based policymaking results in better public policy decisions. But how can this be done? What are some promising practices to help make academic scholarship more policy relevant? This monograph provides strategies that--when addressed--should improve the chances of study becoming relevant to policy audiences. It provides: practical examples, theoretical perspectives, discussions of key stakeholders, and promising research strategies for framing work in policy relevant ways. By being more intentional about the policy relevance of our work and connecting research with emerging policy debates, we can increase the likelihood that future policy solutions will be evidence-based and informed by the most recent and rigorous research in our field. Graduate students and faculty members conducting research in any area within the field of higher education can benefit from this monograph