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Author(s):Usher, A
Title:Global debt patterns: An international comparison of student loan burdens and repayment conditions
Short Description:This study focuses on the specific nature of the debt burden facing students in different countries, including amounts owed, conditions governing repayment, and the proportion of post-graduation income used to repay loans.
Annotation:"The purpose of this study is to move beyond debates about income-contingency or non income contingency as a means of loan repayment and focus on the specific nature of the debt burden facing students in different countries. In particular, it will explore how much students in different countries owe in student loan debt, the conditions governing loan repayment, and the proportion of students’ post-graduation income needs to be devoted to repayment. Exploring the nature of student debt-burdens in a comparative context provides insights into the consequences of program choices that policy-makers in a single country may fail to observe."
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Associated Keywords:
Borrowing/Student Debt
College Access
Financial Aid, Affordability, Tuition, and Costs
Low-Income Students
National Perspectives

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Cheap for whom? How much education costs taxpayers
The global gender gap index: 2011
Good policy, good practice II: Improving outcomes and productivity in higher education: A guide for policymakers
Student aid simplification: Looking back and looking ahead
Know before you owe (student loans)
National student aid profile: Overview of 2012 federal programs
Consumer guide to changes in Federal Pell grants and student loans for 2012-13
Repository of resources for undocumented students
Trends in public higher education: Enrollment, prices, student aid, revenues and expenditures
2011 Survey of differential tuition at public higher education institutions
Paying for college: Cost comparison worksheet
Simplifying student aid: What it would mean for states
Survey of income and program participation data on educational attainment
State HIgher Education Finance 2011
Campaign for the Future of Higher Education
The urgency of now: The Schott 50-state report on public education and black males
Regardless of the cost, college still matters
Annual report of the CFPB student loan ombusman
Preventing abuse in federal student aid: Community college practices
Inseparable imperatives: Equity in education and the future of the American economy
Too small to help: The plight of financially distressed private student loan borrowers
Student Loan Borrower Assistance
A new goal for America's high schools: College preparation for all
Cracking the books: Policy measures to contain textbook costs
Quick facts about financial aid and community colleges, 2007-08
Community colleges: A route of upward economic mobility
The challenge to the states: Preserving college access and affordability in a time of crisis
College-ready students, student-ready colleges: An agenda for improving degree completion in postsecondary education
Funding education beyond high school: The guide to federal student aid 2009-10 (Spanish language version)
FinAid: Student loan advisor - Master's students
FinAid: Student loan advisor - Undergraduate students
FinAid: Student loan advisor - Doctoral students
State higher education finance: 2007
Economic state of young America
English-Spanish glossary of student financial aid and postsecondary education
Funding education beyond high school: The guide to federal student aid 2009-10
The costs of failure factories in American higher education
Measuring up 2008
The Condition of Latinos in education: 2008 Factbook
Big questions, practical answers: New strategies for setting and moving a higher education agenda
An overview of tax benefits for higher education expenses
The case for more attention to financial assistance for adult learners in Indiana who will need to seek Bachelor's degree completion at a distance
A brief history of veterans' education benefits and their value
A clear and present danger to institutional and student success: A training model for embedding student loan default aversion within strategic enrollment management
Global Policy Fellows Program: Lessons learned
Military service members and veterans in higher education: What the new GI Bill may mean for postsecondary institutions
Integrated Postsecondary Education Data System (IPEDS)
Investing in Indiana's adult workers: Increasing financial aid opportunities
IDAs and financial aid: Understanding the puzzle and sharing best practices
Student aid and university persistence - Does debt matter?
The 2003 Ontario College Applicant Survey
Embracing differences: Post-secondary education among Aboriginal students, students with children and students with disabilities (2005)
The class of 2003 high school follow-up survey
Assessing Canada’s student aid need assessment policies
Deciding about post-secondary education: Hearing the voices of non-attendees
Why stop after high school?: A descriptive analysis of the most important reasons that high school graduates do not continue to PSE
Does money matter?
Recognizing excellence? Canada’s merit scholarships
Student loan forgiveness programs: An evolving workforce development tool
Benchmarks: WICHE Region 2009
Paying for college success: An introduction to the performance-based scholarship demonstration
College Savings Foundation
FY 2011 budget proposal: Thoughts and recommendations for increasing college access and success
Financial education in TRIO programs
Working too hard to make the grade: How fewer work hours and more financial aid can help California community college students succeed
Special populations: Tips for completing the Free Application for Federal Student Aid (FAFSA)
College and university commitments to student access and success: An overview of institutional postsecondary opportunity programs
Dual credit in Indiana: Bridging the gap between high school and college
A decade of undergraduate student aid: 1989-90 to 1999-2000
Financial aid at California community colleges: Pell grants and fee waivers in 2003-04
The impact of Pell grants on academic outcomes for low-income California community college students
The return on the federal investment in for-profit education: Debt without a diploma
Why is college so expensive?
Yes we can: The Schott 50-state report on public education and black males
When opportunity knocks, who answers? New evidence on college achievement awards
Benefitting whom? For-profit education companies and the growth of military educational benefits
Ensuring success for returning veterans
Dollars for degrees: Structuring post-secondary scholarships to increase student success
Proposed legislative changes to the post-9/11 GI Bill: Potential implications for veterans and colleges
Class differences: Online education in the United States, 2010
Tapping HSI-STEM funds to improve Latina and Latino Access to STEM professions
Slip sliding away: An anxious public talks about today's economy and the American Dream
Linking costs and postsecondary degrees: Key issues for policymakers
Student lending's failing grade
Military service members and veterans: A profile of those enrolled in undergraduate and graduate education in 2007-08
Time is the enemy: The surprising truth about why today's college students aren't graduating... And what needs to change
Federal higher education policy and the profitable nonprofits
New path to federal student aid for those with no high school diploma or GED
The undereducated American
Is college worth it? College presidents, public assess value, quality and mission of higher education
Adding it all up: An early look at net price calculators
Correcting course: How we can restore the ideals of public higher education in a market-driven era
NCHEMS information center
The impact of demographic changes on higher education
Workbook of state affordability rates 2004
Access and persistence: Fall 2005
Educational needs index
Twenty-first Century Scholars Program
Institutional grants and baccalaureate degree attainment
Financial access: What it is, what it isn't, and how to educate people about it
Project on student debt.org
State of college admission 2007
GI bill: A reality check
Tuition discounting: Not just a private college practice
The college and financial aid guide for: AB540 undocumented immigrant students
Trends in college pricing 2006
State of decline? Gaps in college access and achievement call for renewed commitment to educating Californians
Quality, affordability and access: Americans speak on higher education
Admission possible
On the road to college: Developing mobile and regional outreach services
Equal access to postsecondary education? The case of undocumented immigrant students
Policies in sync: Appropriations, tuition, and financial aid in higher education
2003-04 National postsecondary student aid study: Undergraduate financial aid estimates for 2003-04 by type of institution
Questions that matter: Setting the research agenda on access and success in postsecondary education
Student financing of graduate and first professional education: 1999-2000
U.S. Department of Education: The Hope Scholarship and Lifetime Learning Credit
Student aid and tax benefits: Better research and guidance will facilitate comparison of effectiveness and student use
Reorienting the HEA reauthorization to reflect what research-based knowledge says about what works
Student debt levels continue to rise: Stafford indebtedness: 1999 update
College affordability in jeopardy: The rising price of higher education
Network news: Focus on finance policy, access, and affordability
The role of finances in the persistence process.: A structural model
Socioeconomic status, race/ethnicity, and selective college admissions
Persistence and attainment of beginning students with Pell Grants
Debts and decisions: Student loans and their relationship to graduate school and career choice
Pell Grant recipients in selective colleges and universities
2003 status report on the Pell grant program
Left behind: Unequal opportunity in higher education
The feasibility of delivering aid for college through the tax system
Catching the Dream
American Indian Education Foundation: Tools for success scholarship handbook
Destination university: A guide to college for students and their families (Spanish Version)
The money manual: A personal finance guide from the Hispanic Scholarship Fund
Lottery funded merit scholarships: Some lessons from the Florida Bright Futures Scholarship program
How do financial aid policies affect colleges? The institutional impact of the Georgia HOPE scholarship
Unintended admission consequences of federal aid for homeschoolers
Federal student aid need analysis: Background and selected simplification issues
Generation broke: The growth of debt among young Americans
Cómo pagar por sus estudios universitarios (Financial aid guide)
Financial aid FAQ (frequently asked questions)
Transfer students: Planning your successful college transfer
Don't get scammed on your way to college!
California policy options to accelerate Latino success in higher education
Fact book bulletin: Latest data confirms a college affordability gap for students from middle- and lower-income families
Inventing Hispanic serving institutions (HSIs): The basics
Low income student scholarships
Feasibility of a student unit record system within the integrated postsecondary education data system
A multi-institution analysis of the effects of campus-based financial aid on student persistence at public four-year institutions
Thinking outside the box: Policy strategies for readiness, access, and success
A whole 'nother world: Students navigating community college
Higher education accountability for student learning
In-state tuition for undocumented immigrants: States' rights and educational opportunity
Project on student debt: State by state data
Trends in student aid 2007
The 2007 Brown Center report on American education: How well are American students learning?
Fund Your Future: Counselors' Guide
Education watch Florida: Key education facts and figures 2004
Education watch Florida: Key education facts and figures 2006
Forming a college-going community in U.S. public high schools
Education watch Indiana: Key education facts and figures 2006
Education watch Alabama: Key education facts and figures 2006
Opening doors to earning credentials: Impressions of community college access and retention from low-wage workers
Digest of Education Statistics
Back to school: Federal student aid policy and adult college enrollment
Council for Adult and Experiential Learning
Post-secondary education options for low-income students
Reaching higher with accountability (working paper)
Delta project on postsecondary education costs, productivity, and accountability
Financial Literacy for You (FLY)
Strategic directions in Indiana education
Indiana Chafee Education and Training Voucher (ETV) Program
2007 Survey of parents of college-bound freshman
2007-08 Directory of colleges cooperating with the SAT program fee-waiver service
Are teachers prepared for racially diverse schools? Teachers describe their preparation, resources, and practices for racially diverse schools
How does the United States stack up? International comparisons of academic achievement
Parent expectations and planning for college: Statistical analysis report
How the borrowing process works
Engaging faculty and staff: An imperative for fostering retention, advising, and smart borrowing