Assessing the impact of loan fees on FEE-HELP student loans on student behaviour: Final report

Jenny Dean

Research output: Working paper

Abstract

The University of Canberra is working with the Department of Education on various projects over 2022 and 2023 to analyse aspects of higher education in relation to the HELP system. One of these projects is called Assessing the impact of loan fees on FEE-HELP student loans on student behaviour. This paper outlines the background to, and findings from, this project. The conclusion of this report is that there are few discernible differences that can be attributed to the loan fee as distinct from other factors in terms of the impact on student payment/repayment behaviour or their decisions to undertake FEE-HELP study. In essence, components of the FEE-HELP system, including the income-contingent nature of the repayment system and indexation in line with the Consumer Price Index (CPI) – are counterbalanced against the imposition of the loan fee so that it has little tangible effect on student repayment behaviour and/or the likelihood that they undertake FEE-HELP courses.
Original languageEnglish
Pages1-31
Number of pages31
Publication statusUnpublished - 31 Mar 2023

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