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The risk of individual investment in higher education is not a well-researched topic compared to the rate of return to education. In many countries tuition fees are low, but there is a possibility to borrow for investment in education. This can lead to irresponsible investment behaviour. The paper will show that the student loan market is too small to cause a macroeconomic crisis, but that it is a market with many stakeholders and irresponsible behaviour should not be encouraged. With the examination of a Hungarian sample, it can be concluded that in the context of higher education, signs of rational investment behaviour can be found. The risks of post-secondary studies are not yet fully understood and measured, and for this reason further research is suggested.

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-Mehta, P. (2000): Higher Education Finance and Accessibility: An International Comparative Examination of Tuition and Finance Assistance Policies. International Comparative Higher Education Finance and Accessibility Project, Centre for Comparative and

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1990 25 379 391 Kozma, T. — Setényi, J. (1992): Changing Policies and Dilemmas in Higher Education Finance: The

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. Marginson , S. ( 2018 ): Global Trends in Higher Education Financing: The United Kingdom , International Journal of Educational Development 58 : 28 – 36 . 10

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