[...]This article significantly advances the literature onmortgage prepayments by introducing quantitative measuresof individual homeowner credit histories to the loan-levelanalysis of the factors influencing the probability that a homeownerwill refinance. In addition to credit histories, we...

This paper analyses three options for financing higher education:• Tax funding, as proposed by the Liberal Democrats and, more recently, the Tories.• Tax funding plus upfront charges, as at present.• Tax funding plus deferred charges, as proposed in the White Paper on highereducation...

This paper – a companion to Iain Crawford's and my earlier evidence to the SelectCommittee (Barr, 2002a,b,c,d,e; Crawford, 2002) – offers a strongly supportive assessmentof the strategy in the White Paper (Department for Education and Skills, 2003).[...]

This paper puts forward a strategy for achieving two objectives in higher education –improved access and increased quality – about which there is unanimous agreement.[...]

Rather than being a handicap, the proposals to introduce top-up fees will prove aboon to students.[...]

Universities need cash, students need support and there are too few working-classentrants. After a two-year extension, Charles Clarke and the class of '73 are all set todeliver answers to these problems. Nicholas Barr offers a guide to how you, theexaminers, should mark their responses.[...]

This paper reviews the achievements of the Labour Government’seducation policy between 1997 and 2001. Tony Blair claimed that hisGovernment would make education a priority. The first part of thepaper reviews the scale of education spending in relation to theeconomy at large and within the...

This paper develops a typology of welfare services and attempts toillustrate its use in clarifying discussions about the privatisation ofwelfare and in analysing changes in expenditure. A third dimension,which concerns the extent of the consumer’s decision-making power andturns on the question...

This report contains key points from presentations and discussions at a round table meetingheld at the London School of Economics on Monday 24th July 2000. This meeting wasorganized by CASE and the University of Bristol to give an opportunity for housing financeacademics to discuss with...

The arguments for refinancing the European Union’s (EU) higher education via highertuition fees largely rest on preserving the profitability of the educational investmentand offering deferred and income-contingent payments. Using income survey datasetson Belgium, Germany and the United Kingdom...