国家助学贷款对高等教育个人收益率的影响

Government-Subsidized Student Loans Impact on Private Return Rate of Higher Education

人力资本理论认为教育是一项能给个人带来收益的投资。借助学生贷款完成高等教育将改变个人的教育成本和收益,并影响借贷者的高等教育个人收益率。本文研究国家助学贷款政策对高等教育个人收益率的影响程度,以及不同的还款方案对高等教育个人收益率作用的大小。

Human capital theory proves that education is the investment that could gain benefit. Student loans for higher educations can influence the educational costs, benefits and the private return rate of the students who depend on student loans to accomplish higher education. In this article, we will research whether and how the Government-subsidized student loans impact on the private return rate of higher education under different loan repayment schemes.