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Rheinisch-Westfälisches Institut für Wirtschaftsforschung (RWI), Essen >
Ruhr Economic Papers, RWI >
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http://hdl.handle.net/10419/45315
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| Title: | | Student loan reforms for German higher education: financing tuition fees  |
| Authors: | | Chapman, Bruce Sinning, Mathias |
| Issue Date: | | 2011 |
| Series/Report no.: | | Ruhr economic papers 244 |
| Abstract: | | It is generally agreed that the funding base for German universities is inadequate and perhaps the time has come for serious consideration of the imposition of nontrivial tuition charges. Against this background, this paper compares conventional and income contingent loans for financing tuition fees at German universities. With the use of unconditional age-income quantile regression approaches our analysis considers two critical aspects of the loan debate: the size of repayment burdens associated with normal mortgage-style loans, and the time structure of revenue to the government from a hypothetical income contingent loan scheme. It is found that tuition fees at German universities could increase considerably with the use of an income contingent loan system based on current policy approaches used in Australia, England and New Zealand. |
| Abstract (Translated): | | In diesem Papier werden konventionelle und einkommensabhängige Kredite zur Finanzierung von Studiengebühren and deutschen Universitäten untersucht. Unsere Analyse betrachtet zwei entscheidende Aspekte der Kreditdebatte: die Rückzahlungsbelastung konventioneller Kredite und den Zeithorizont öffentlicher Einnahmen aus hypothetischen einkommensabhängigen Krediten. Die Ergebnisse zeigen, dass eine Einführung einkommensabhängiger Kredite den Spielraum für Studiengebühren an deutschen Universitäten beträchtlich ausweiten könnte. |
| Subjects: | | educational finance student financial aid state and federal aid government expenditures on education |
| JEL: | | H52 I22 I28 |
| ISBN: | | 978-3-86788-280-4 |
| Document Type: | | Working Paper |
| Appears in Collections: | | Publikationen von Forscherinnen und Forschern des RWI Ruhr Economic Papers, RWI
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