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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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. – Chapman, B. (eds) ( 2014 ): Income Contingent Loans: Theory, Practice and Prospects . Houndmills, UK – New York : Palgrave Macmillan . Stiglitz , J.E. – Jun, J. ( 2013 ): Optimal

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Gutenberg és a MOOC

Gutenberg and MOOC

Éva Berde

, Oxford. 14 Johnstone, D. B. (2004) Cost-Sharing and Equity in Higher Education: Implications of Income Contingent Loans. In: Markets in Higer

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Acta Oeconomica
Edina Berlinger
Zsolt Bihary
Katalin Dobránszky-Bartus
, and
György Molnár

. New York : Oxford University Press . Stiglitz , J. E. ( 2014 ): Remarks on Income Contingent Loans: How Effective Can They Be at Mitigating Risk? In: Chapman , B. – Higgins , T , – Stiglitz , J. E. (eds): Income Contingent Loans, Theory

Open access