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- W2891021687 abstract "This research paper aimed to answer the question whether, under the currentsystem of funding for higher education, introducing variable interest rates on tuition loanswould inform and influence the prospective student. These rates would be dependent onthe financial outcomes expected from each course. For example, the rate applied to a STEMcourse would, under this proposal, be less than that of an arts and humanities. This is due tothe expectation of the STEM student entering a more prosperous career and therefore has agreater chance of repaying their loan in full, therefore being less of a burden on thetaxpayer. The hypothesis of this paper is that introducing variable rates would influenceprospective students into considering another course, one which has a greater chance ofyielding a greater income for that individual. The reason this proposal has been put forwardin two-fold. Firstly, current methods of communicating information to the student is poorand, as this paper will go into detail, can mislead the prospective students. Students oftenrely on the information of such organisations as the National Student Survey, which gathersdata by asking third-year students how the felt about their course. This serves very littlepurpose in the rational decision-making of the consumer student. Therefore, introducing aclear economic signal could be far more beneficial to the student. This assumes students areentering higher education to primarily maximise their future earnings in their chosen career.The secondary reason for conducting this research concerns the taxpayer. Studentswho are more likely to borrow £27,000 at a low, uniformed rate of 6.1% (as of April 2018)are also more likely to default on their tuition debt. This leaves the taxpayer to cover thoseoutstanding, unpaid loans, causing financial stress on the UK budget. This paper will conductresearch into whether interest rates can be adjusted to influence students to undertake a Page | 4STEM course instead of an arts and humanities course. This would benefit the student, asthe information displayed through interest rates would allow for the individual to make amore informed choice, and also the taxpayer who would have to contribute less to payingoff outstanding loans." @default.
- W2891021687 created "2018-09-27" @default.
- W2891021687 creator A5085894168 @default.
- W2891021687 date "2018-04-01" @default.
- W2891021687 modified "2023-09-26" @default.
- W2891021687 title "Influencing the Student Consumer:Research into the Effects of Introducing Variable InterestRates on Tuition Loans" @default.
- W2891021687 hasPublicationYear "2018" @default.
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