{"id":117466,"date":"2024-01-22T20:31:56","date_gmt":"2024-01-22T19:31:56","guid":{"rendered":"https:\/\/www.wifo.ac.at\/publication\/117466\/"},"modified":"2024-11-07T04:47:08","modified_gmt":"2024-11-07T03:47:08","slug":"vor-und-nachteile-von-einkommensabhaengig-rueckzahlbaren-bildungskrediten-als-instrument-zur-finanzierung-der-hochschulbildung","status":"publish","type":"publication","link":"https:\/\/www.wifo.ac.at\/en\/publication\/117466\/","title":{"rendered":"Pros and Cons of Income-contingent Education Loans as a Tool to Finance Higher Education"},"content":{"rendered":"","protected":false},"featured_media":0,"template":"","class_list":["post-117466","publication","type-publication","status-publish","hentry"],"acf":{"subtitle":"","text":"Tuition fees, while controversial in Austria, are an important element of mixed regimes of higher education financing. In many countries, especially in the Anglo-Saxon world, income-contingent loans and tuition fees are used as an instrument to increase the share of private funding of higher education. An assessment of the pros and cons shows that income-contingent loans have advantages over other forms of financing such as loans without income-related repayment or graduate taxes. However, income-contingent loans depend for their efficiency and effectiveness on the specificities of their design and implementation.","onlinedate":"2013-02-25 01:00:00","lang":"German","publication_series":"","publication_date":"20130201","publication_date_year":"","publication_date_full":false,"publication_num_pages":"","keywords":"[\"Bildungskredite Studiengeb\u00fchren\"]","jelcodes":"[]","related_publications":"[]","pdf":347013,"zip":null,"link":"","monthly_report":true,"monthly_report_main":false,"monthly_report_volume":"86","monthly_report_pages":"187-196","monthly_report_pages_sort":"187","issue":"2","journal":"WIFO-Monatsberichte","publisher":"","invisible":false,"external":false,"embargo_date":null,"types":[44312],"research_groups":[3491],"collaboration":"","persons":[3607],"persons_data":"[{\"personId\":3607,\"personName\":\"Werner H\u00f6lzl\",\"organisationNames\":[]}]","clients":[],"subclients":[],"partners":[],"topics":[],"host_publication_title":"","host_publication_subtitle":"","place_of_publication":"","host_publication_editors":"[]","type_description":"","output_media":"","chapter":"","article_number":"","citations":"{\"apa\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_apa rendering_contributiontoperiodical rendering_apa rendering_contributiontoperiodical_apa\\\"><span>H\u00f6lzl, W.<\\\/span> (2013). <span>Vor- und Nachteile von einkommensabh\u00e4ngig r\u00fcckzahlbaren Bildungskrediten als Instrument zur Finanzierung der Hochschulbildung<\\\/span>. <span><em>WIFO-Monatsberichte<\\\/em><\\\/span>, <em>86<\\\/em>(2), 187-196. <a onclick=\\\"window.open(this.href, '_blank','noopener,noreferrer'); return false;\\\" href=\\\"https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/46410\\\" class=\\\"link\\\"><span>https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/46410<\\\/span><\\\/a><\\\/div>\",\"vancouver\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_vancouver rendering_contributiontoperiodical rendering_vancouver rendering_contributiontoperiodical_vancouver\\\"><span>H\u00f6lzl W<\\\/span>. <span class=\\\"title\\\"><span>Vor- und Nachteile von einkommensabh\u00e4ngig r\u00fcckzahlbaren Bildungskrediten als Instrument zur Finanzierung der Hochschulbildung<\\\/span><\\\/span>. <span>WIFO-Monatsberichte<\\\/span>. 2013 Feb;86(2):187-196.<\\\/div>\",\"bibtex\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_bibtex rendering_contributiontoperiodical rendering_bibtex rendering_contributiontoperiodical_bibtex\\\"><div>@misc{6d6f5aed761c40b7a089893442c58611,<\\\/div><div>  title    = \\\"Vor- und Nachteile von einkommensabh{\\\\\\\"a}ngig r{\\\\\\\"u}ckzahlbaren Bildungskrediten als Instrument zur Finanzierung der Hochschulbildung\\\",<\\\/div><div>  abstract = \\\"Studiengeb{\\\\\\\"u}hren werden in {\\\\\\\"O}sterreich kontrovers diskutiert, sind aber ein wichtiges Element einer gemischten Form der Finanzierung der Hochschulbildung. Die Einf{\\\\\\\"u}hrung von hohen Studiengeb{\\\\\\\"u}hren ohne flankierende Ma{\\\\ss}nahmen kann unerw{\\\\\\\"u}nschte soziale und gesamtwirtschaftliche Folgen haben. Wie die Analyse der Vor- und Nachteile einkommensabh{\\\\\\\"a}ngig r{\\\\\\\"u}ckzahlbarer Bildungskredite gegen{\\\\\\\"u}ber anderen Finanzierungsformen wie Bildungskrediten ohne einkommensabh{\\\\\\\"a}ngige R{\\\\\\\"u}ckzahlung und einer Akademikersteuer zeigt, h{\\\\\\\"a}ngt der Vorteil von einkommensabh{\\\\\\\"a}ngig r{\\\\\\\"u}ckzahlbaren Bildungskrediten in erster Linie von ihrem Design ab. Potentiell k{\\\\\\\"o}nnen sie daher auch Auswirkungen auf die Staatsverschuldung haben.\\\",<\\\/div><div>  keywords = \\\"Bildungskredite Studiengeb{\\\\\\\"u}hren, Bildungskredite Studiengeb{\\\\\\\"u}hren\\\",<\\\/div><div>  author   = \\\"Werner H{\\\\\\\"o}lzl\\\",<\\\/div><div>  note     = \\\"Bildung: Bildungskredite\\\",<\\\/div><div>  year     = \\\"2013\\\",<\\\/div><div>  month    = feb,<\\\/div><div>  language = \\\"Deutsch\\\",<\\\/div><div>  volume   = \\\"86\\\",<\\\/div><div>  pages    = \\\"187--196\\\",<\\\/div><div>  journal  = \\\"WIFO-Monatsberichte\\\",<\\\/div><p>}<\\\/p><\\\/div>\",\"ris\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_ris rendering_contributiontoperiodical rendering_ris rendering_contributiontoperiodical_ris\\\"><p>TY  - GEN<\\\/p><p>T1  - Vor- und Nachteile von einkommensabh\u00e4ngig r\u00fcckzahlbaren Bildungskrediten als Instrument zur Finanzierung der Hochschulbildung<\\\/p><p>AU  - H\u00f6lzl, Werner<\\\/p><p>N1  - Bildung: Bildungskredite<\\\/p><p>PY  - 2013\\\/2<\\\/p><p>Y1  - 2013\\\/2<\\\/p><p>N2  - Studiengeb\u00fchren werden in \u00d6sterreich kontrovers diskutiert, sind aber ein wichtiges Element einer gemischten Form der Finanzierung der Hochschulbildung. Die Einf\u00fchrung von hohen Studiengeb\u00fchren ohne flankierende Ma\u00dfnahmen kann unerw\u00fcnschte soziale und gesamtwirtschaftliche Folgen haben. Wie die Analyse der Vor- und Nachteile einkommensabh\u00e4ngig r\u00fcckzahlbarer Bildungskredite gegen\u00fcber anderen Finanzierungsformen wie Bildungskrediten ohne einkommensabh\u00e4ngige R\u00fcckzahlung und einer Akademikersteuer zeigt, h\u00e4ngt der Vorteil von einkommensabh\u00e4ngig r\u00fcckzahlbaren Bildungskrediten in erster Linie von ihrem Design ab. Potentiell k\u00f6nnen sie daher auch Auswirkungen auf die Staatsverschuldung haben.<\\\/p><p>AB  - Studiengeb\u00fchren werden in \u00d6sterreich kontrovers diskutiert, sind aber ein wichtiges Element einer gemischten Form der Finanzierung der Hochschulbildung. Die Einf\u00fchrung von hohen Studiengeb\u00fchren ohne flankierende Ma\u00dfnahmen kann unerw\u00fcnschte soziale und gesamtwirtschaftliche Folgen haben. Wie die Analyse der Vor- und Nachteile einkommensabh\u00e4ngig r\u00fcckzahlbarer Bildungskredite gegen\u00fcber anderen Finanzierungsformen wie Bildungskrediten ohne einkommensabh\u00e4ngige R\u00fcckzahlung und einer Akademikersteuer zeigt, h\u00e4ngt der Vorteil von einkommensabh\u00e4ngig r\u00fcckzahlbaren Bildungskrediten in erster Linie von ihrem Design ab. Potentiell k\u00f6nnen sie daher auch Auswirkungen auf die Staatsverschuldung haben.<\\\/p><p>KW  - Bildungskredite Studiengeb\u00fchren<\\\/p><p>KW  - Bildungskredite Studiengeb\u00fchren<\\\/p><p>M3  - WIFO-Schriftenreihen<\\\/p><p>VL  - 86<\\\/p><p>SP  - 187<\\\/p><p>EP  - 196<\\\/p><p>JO  - WIFO-Monatsberichte<\\\/p><p>JF  - WIFO-Monatsberichte<\\\/p><p>ER  - <\\\/p><\\\/div>\"}","scientific_assistance":"[]","scientific_review":"[]","version":"","release_date":null,"expiration_date":null,"surveyor":"","research_assistance":"","edv":"","additional_info_de":"","additional_info_en":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pros and Cons of Income-contingent Education Loans as a Tool to Finance Higher Education - WIFO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wifo.ac.at\/en\/publication\/117466\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pros and Cons of Income-contingent Education Loans as a Tool to Finance Higher Education\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wifo.ac.at\/en\/publication\/117466\/\" \/>\n<meta property=\"og:site_name\" content=\"WIFO\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/WIFOat\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-07T03:47:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO-Gebaeude-FotoAlexanderMueller-www.alexandermueller.at-IMG_6326-Bearbeitet-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@WIFOat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/117466\\\/\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/117466\\\/\",\"name\":\"Pros and Cons of Income-contingent Education Loans as a Tool to Finance Higher Education - 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