[...]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.[...]

How do you fund university education? In the UK, the governmentplans to introduce variable fees from 2006, to be paid back after thestudent graduates, but the debate continues worldwide. What isthe best solution, offering what people want but at a realistic price?Nicholas Barr offers his...