The time is approaching when Vietnamese higher education students will be required to contribute more to the direct costs of the process. As well, continued expansion of the system will become increasingly difficult without the institution of an effective student loans policy designed to assist...

HECS is an income contingent loan designed to collect tuition from Australian university students. The debt is collected on the basis of recorded incomes and as a consequence, debtors living overseas will not repay. Using various data sources and assumptions, multiple scenarios are considered in...