Financing Higher Education in the United States:
America's higher education system is among the best in the world. Nevertheless, there is scope for improvement. In particular, there appear to be substantial financial barriers to higher education despite large government expenditures aimed at promoting access. Policy makers have proposed addre...
Gespeichert in:
| 1. Verfasser: | |
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Paris
OECD Publishing
2007
|
| Schriftenreihe: | OECD Economics Department Working Papers
no.584 |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | America's higher education system is among the best in the world. Nevertheless, there is scope for improvement. In particular, there appear to be substantial financial barriers to higher education despite large government expenditures aimed at promoting access. Policy makers have proposed addressing these barriers by increasing student grants. However, grants are costly, inefficient, inequitable and ineffective. Income tax concessions and state government subsidies suffer from similar problems. In contrast, international best practice seems to be converging on student loans with repayments that vary according to income. Income-contingent loans facilitate access to college at low fiscal cost and without the inefficiency and inequities that accompany grants, subsidies or tax concessions. At the same time, they do not discourage risk-averse or uninformed students in the way that conventional loans do. The United States has an income-contingent loan programme that should be expanded. While the design of repayments could be improved, the main problem with this programme is that lending limits are too low. Higher limits, especially for unsubsidised direct loans, would benefit students and promote access at little cost to the government. Were a good system of loans in place, then less cost-effective means of promoting access, such as grants and tax concessions, should be cut back. |
| Beschreibung: | 1 Online-Ressource (38 p.) 21 x 29.7cm. |
| DOI: | 10.1787/043760330834 |
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| 520 | |a America's higher education system is among the best in the world. Nevertheless, there is scope for improvement. In particular, there appear to be substantial financial barriers to higher education despite large government expenditures aimed at promoting access. Policy makers have proposed addressing these barriers by increasing student grants. However, grants are costly, inefficient, inequitable and ineffective. Income tax concessions and state government subsidies suffer from similar problems. In contrast, international best practice seems to be converging on student loans with repayments that vary according to income. Income-contingent loans facilitate access to college at low fiscal cost and without the inefficiency and inequities that accompany grants, subsidies or tax concessions. At the same time, they do not discourage risk-averse or uninformed students in the way that conventional loans do. The United States has an income-contingent loan programme that should be expanded. While the design of repayments could be improved, the main problem with this programme is that lending limits are too low. Higher limits, especially for unsubsidised direct loans, would benefit students and promote access at little cost to the government. Were a good system of loans in place, then less cost-effective means of promoting access, such as grants and tax concessions, should be cut back. | ||
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| spelling | Tulip, Peter VerfasserIn aut Financing Higher Education in the United States Peter, Tulip = Financement de l'enseignement supérieur aux États-Unis / Peter, Tulip Financement de l'enseignement supérieur aux États-Unis Paris OECD Publishing 2007 1 Online-Ressource (38 p.) 21 x 29.7cm. Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier OECD Economics Department Working Papers no.584 America's higher education system is among the best in the world. Nevertheless, there is scope for improvement. In particular, there appear to be substantial financial barriers to higher education despite large government expenditures aimed at promoting access. Policy makers have proposed addressing these barriers by increasing student grants. However, grants are costly, inefficient, inequitable and ineffective. Income tax concessions and state government subsidies suffer from similar problems. In contrast, international best practice seems to be converging on student loans with repayments that vary according to income. Income-contingent loans facilitate access to college at low fiscal cost and without the inefficiency and inequities that accompany grants, subsidies or tax concessions. At the same time, they do not discourage risk-averse or uninformed students in the way that conventional loans do. The United States has an income-contingent loan programme that should be expanded. While the design of repayments could be improved, the main problem with this programme is that lending limits are too low. Higher limits, especially for unsubsidised direct loans, would benefit students and promote access at little cost to the government. Were a good system of loans in place, then less cost-effective means of promoting access, such as grants and tax concessions, should be cut back. Economics United States FWS01 ZDB-13-SOC FWS_PDA_SOC https://doi.org/10.1787/043760330834 Volltext |
| spellingShingle | Tulip, Peter Financing Higher Education in the United States Economics United States |
| title | Financing Higher Education in the United States |
| title_alt | Financement de l'enseignement supérieur aux États-Unis |
| title_auth | Financing Higher Education in the United States |
| title_exact_search | Financing Higher Education in the United States |
| title_full | Financing Higher Education in the United States Peter, Tulip = Financement de l'enseignement supérieur aux États-Unis / Peter, Tulip |
| title_fullStr | Financing Higher Education in the United States Peter, Tulip = Financement de l'enseignement supérieur aux États-Unis / Peter, Tulip |
| title_full_unstemmed | Financing Higher Education in the United States Peter, Tulip = Financement de l'enseignement supérieur aux États-Unis / Peter, Tulip |
| title_short | Financing Higher Education in the United States |
| title_sort | financing higher education in the united states |
| topic | Economics United States |
| topic_facet | Economics United States |
| url | https://doi.org/10.1787/043760330834 |
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