Student loans : empirical evidence and policy implications / Ross Finnie. : CS81-0023/2000E-PDF

"This paper has two goals. First, it summarizes the results of an empirical investigation of borrowing and repayment patterns of four recent cohorts of post-secondary graduates, thus updating and extending previous work by the author. Secondly, it addresses a number of related policy issues, including i) the need for farther research to generate the information needed to fully evaluate the student loan system, ii) the advantages of extending the assistance available for those facing problems with their debt burdens in the post schooling period, iii) the need to increase borrowing limits, iii) the efficiency and equity advantages of providing assistance to post secondary students through loans rather than the grants which many have been calling for, and iii) a proposal for revitalising the cash strapped post-secondary system with infusions from both federal and provincial governments and students themselves of equal parts, the latter facilitated by the appropriate changes in the loan system (higher limits and more support for those who run into trouble with repayment)"--p. i.

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