To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has ...To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank's student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students' personal credit;establish student information management mechanism;standardize banks' payment reminder administration behavior;and perfect national student loan system.展开更多
Using an original dataset collected at a Chinese university and adopting a difference-in-differences research design,this study draws causal inferences regarding the effect of the Government-Subsidized Student Loan Pr...Using an original dataset collected at a Chinese university and adopting a difference-in-differences research design,this study draws causal inferences regarding the effect of the Government-Subsidized Student Loan Program(GSSLP)on financially needy students at Chinese higher education institutions.Specifically,this study finds that the program may have enabled financially needy students to spend 527.80 Chinese yuan more on food and take 26 hours less paid work on average during one academic year.In other words,the GSSLP has been found to have had positive impact on financially needy students'basic needs such as food and work.In order for the program to have greater impact on such students'overall quality of life,policy-makers should make efforts to increase maximum loan amounts.This will enable students from low income families to spend more on educational resources and reduce their finance-related anxiety.展开更多
Between 2005 and 2007,the China Development Bank offered 1.66 billion yuan($237 million) worth of loans to 243,000 stu- dents from poor families in central China’s Henan Province.
This paper examines the multifaceted economic,social,and psychological impacts of the rising cost of college tuition in the United States,with a particular focus on students from low-income families.The escalating tui...This paper examines the multifaceted economic,social,and psychological impacts of the rising cost of college tuition in the United States,with a particular focus on students from low-income families.The escalating tuition fees have far-reaching implications,including increased student loan debt,delayed social mobility,and psychological stress among students.The paper explores the barriers to higher education imposed by financial constraints and the systemic challenges that exacerbate income inequality in access to quality education.Case studies highlight the resilience of students who overcome these obstacles,as well as the struggles of those who face significant setbacks.The paper concludes with policy implications and recommendations for future research,emphasizing the need for a comprehensive approach to address the financial barriers in higher education.It advocates for policy interventions that increase financial aid,reform educational funding,and promote innovative and affordable educational models to ensure equitable access to higher education.展开更多
文摘To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank's student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students' personal credit;establish student information management mechanism;standardize banks' payment reminder administration behavior;and perfect national student loan system.
文摘Using an original dataset collected at a Chinese university and adopting a difference-in-differences research design,this study draws causal inferences regarding the effect of the Government-Subsidized Student Loan Program(GSSLP)on financially needy students at Chinese higher education institutions.Specifically,this study finds that the program may have enabled financially needy students to spend 527.80 Chinese yuan more on food and take 26 hours less paid work on average during one academic year.In other words,the GSSLP has been found to have had positive impact on financially needy students'basic needs such as food and work.In order for the program to have greater impact on such students'overall quality of life,policy-makers should make efforts to increase maximum loan amounts.This will enable students from low income families to spend more on educational resources and reduce their finance-related anxiety.
文摘Between 2005 and 2007,the China Development Bank offered 1.66 billion yuan($237 million) worth of loans to 243,000 stu- dents from poor families in central China’s Henan Province.
文摘This paper examines the multifaceted economic,social,and psychological impacts of the rising cost of college tuition in the United States,with a particular focus on students from low-income families.The escalating tuition fees have far-reaching implications,including increased student loan debt,delayed social mobility,and psychological stress among students.The paper explores the barriers to higher education imposed by financial constraints and the systemic challenges that exacerbate income inequality in access to quality education.Case studies highlight the resilience of students who overcome these obstacles,as well as the struggles of those who face significant setbacks.The paper concludes with policy implications and recommendations for future research,emphasizing the need for a comprehensive approach to address the financial barriers in higher education.It advocates for policy interventions that increase financial aid,reform educational funding,and promote innovative and affordable educational models to ensure equitable access to higher education.
