Student Loans Repayment and Recovery: International Comparisons Student loans schemes are in operation in more than seventy countries around the world. Most loans schemes benefit from sizeable built-in government subsidies and, in addition, are subject to repayment default and administrative costs that are not passed on to student borrowers. We probe two issues in this paper, for 44 loans schem...

Repayment decisions—how much of the loan to repay and when to make the payments—directly influence consumer debt levels. The authors examine how minimum required payment policy and loan information disclosed to consumers influence repayment decisions. They find that while presenting minimum required payment information has a negative impact on repayment decisions, increasing the minimum require...

If given the opportunity to reduce your debt, albeit at some financial risk, would you take it? Interviews and observations in two debt settlement firms show that debt settlement clients tend not to calculate financial risks in deciding which debts to try to settle. Rather, they treat their relationship with their creditor as a reciprocal and ongoing one. If the service provided by their credit...

It is a difficulty problem to choice repayment patterns of student loan. “Conventional mortgage-type loan” and “Income contingent loan” has been performed in many countries. These loan repayment manners have their own characteristics. In this paper, we discuss their advantages and disadvantages, and would provide policy choice for student loans programs in China. These suggestions maybe supply ...

n early 2002 the new Minister for Education, Science and Training, Brendan Nelson, announced a wide-ranging reform agenda with respect to the funding (and other areas) of Australian higher education. Over the ensuing months the Government released a number of discussion papers, in a process referred to as Crossroads, and initiated and promoted a series of consultations with stakeholders and oth...

This paper analyzes the dependence pattern of net debts inflows on sovereign rating and fiscal balance, accounting for productivity growth rate. The cross-section evidence a sample 149 economies period from 1990 to 2019 uncovers that higher rating, lower balance or is associated with more inflows. Thus, flows are underlined by store wealth accumulation across economies. Moreover, there exists n...

The object of research is the public procurement system in terms accounting for processes buying (selling) goods (works, services) using electronic communications. A problematic aspect modern platforms lack information support accounting, control and taxation functions. In context development innovative computer communication technologies, it becomes possible to integrate various services commu...

The article is devoted to the issues of strengthening financial and economic security critical infrastructure enterprises Ukraine under martial law. It proved that optimality volumes receivables payables, their balance, timeliness repayment are basis for ensuring liquidity, solvency, independence, safe functioning business entity as a whole. analyzes dynamics, structure, ratio indicators turnov...