Student loans in Canada: an analysis of borrowing and repayment

Schwartz, Saul; Finnie, Ross

doi:10.1016/s0272-7757(01)00041-3

Cited by 47 publications

(51 citation statements)

References 2 publications

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“…These findings are comparable with the results in the Canadian study by Schwartz and Finnie (2002), which indicate that older students are less likely to take out student loans than younger students.…”

Section: Age21 and Age22_30) And Those Of Aboriginal Or Torres Straitsupporting

confidence: 87%

“…It has also been reported that there is a negative correlation between the size of the student loan and the amount repaid. In the study for Canada by Schwartz and Finnie (2002), every CAN$1,000 increase in the amount borrowed by students was associated with a reduction by 5 percent in the proportion of the loan repaid within two years of graduation.…”

Section: Empirical Literature On Student Debtmentioning

confidence: 94%

“…Smith et al (1998) compared the characteristics of students who deferred their HECS (i.e., who took out a loan) to those of students who paid their HECS up-front using data from 1996. They found that students deferring their HECS were more likely to be 6 Other variables included in models of students' loan-taking behaviour include year at university (see Johnes, 1994;Clinedinst et al, 2003;Callender and Kemp, 2000) and field of study (see Schwartz and Finnie, 2002;Clark, 1998 HECS was positively correlated with year at university, being middle aged, being born overseas, not speaking English at home, being a full-time student, being an Indigenous student, being from a low socioeconomic background, being a student from a government secondary school, having dependent children, having a disability, moving to attend university, living in a shared rented house, studying science, not working, having a loan and having low levels of income.…”

Section: Empirical Literature On Student Debtmentioning

confidence: 99%

See 2 more Smart Citations

The impact of income‐contingent provisions on students' loan‐taking behaviour

Birch

Miller

2008

Journal of Economic Studies

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This paper investigates the determinants of taking out government-funded student loans for university study in Australia. Using an ordered probit model, the analysis considers the factors which affect students' decisions on funding their entire tertiary study using student loans, funding some of their university study using student loans, and funding their university study entirely through other means. It finds that the probability of taking out students loans for the full cost of university is largely influenced by students' socioeconomic status. Other major influences on this decision include students' demographic and university enrolment characteristics.

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Section: Age21 and Age22_30) And Those Of Aboriginal Or Torres Straitsupporting

confidence: 87%

Section: Empirical Literature On Student Debtmentioning

confidence: 94%

Section: Empirical Literature On Student Debtmentioning

confidence: 99%

See 1 more Smart Citation

The impact of income‐contingent provisions on students' loan‐taking behaviour

Birch

Miller

2008

Journal of Economic Studies

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“…Part of this ideology was demonstrated in targeted cuts to programs and services serving some of the most marginalized members of society: those experiencing violence; children; racialized people; and poor people (Lightman & Baines, 1996). Cuts to the education system were also devastating; tuition rates in Ontario dramatically increased (Bezanson, 2006;Rajagopal, 2002;Shanahan & Jones, 2007;Schwartz & Finnie, 2002). Previously, students could apply for social assistance to meet their living costs and student loans to assist in their educational costs.…”

Section: Reviewing the Literature And Theoretical Contributionsmentioning

confidence: 99%

“Single Mothers by Choice”: Disrupting Dominant Discourses of the Family Through Social Justice Alternatives

Ajandi

2011

IJCYFS

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This paper seeks to disrupt the dominant narrative of victimhood associated with the single mother family status. There are many barriers and difficulties associated with this status such as economic insecurity and political and social stigma. However, there are also many rewards and possibilities that make this family status desirable and rich with possibilities. Single mother families challenge the dominant paradigm of heteronormativity found within the notion of traditional nuclear family households. Drawing on critical feminist and queer theoretical perspectives and qualitative research from my doctoral studies, I will discuss how participants created a new narrative for themselves and their children. In particular, I focus on single mothers engaged in critical pedagogy and curriculum and community activism to seek connections with others who also viewed their families from a strengths perspective. "Single mothers by choice" establishes itself in its own right as a formidable alternative to dominant notions of the "family".

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“…Schwartz and Finnie (2002) investigated student loans in Canada to project an economic analysis of the borrowing and repayment www.ccsenet.org/ies…”

Section: Educational Loanmentioning

confidence: 99%

What Can Tobit-Piecewise Regression Tell Us about the Determinants of Household Educational Debt?

Thipbharos¹

2014

IES

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Educational debt as part of household debt remains a problem for Thailand. The significant factors of household characteristics with regard to educational debt are shown by constructing a Tobit-piecewise regression for three different clusters, namely poor, middle and affluent households in Thailand. It was found that household debt is likely to be significant for educational debt in all clusters, with much greater effect in poor households. Household income directly influences the educational debt in households with only moderate economic status. Nevertheless, the result of this study indicates that an effect of the administrative area on educational debt was not found.

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Student loans in Canada: an analysis of borrowing and repayment

Cited by 47 publications

References 2 publications

The impact of income‐contingent provisions on students' loan‐taking behaviour

The impact of income‐contingent provisions on students' loan‐taking behaviour

“Single Mothers by Choice”: Disrupting Dominant Discourses of the Family Through Social Justice Alternatives

What Can Tobit-Piecewise Regression Tell Us about the Determinants of Household Educational Debt?

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