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  • Women pay their way on income contingent student debt

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    West339408Accepted.pdf (606.5Kb)
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    Accepted Manuscript (AM)
    Author(s)
    West, Tracey
    Griffith University Author(s)
    West, Tracey
    Year published
    2019
    Metadata
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    Abstract
    Does the gender pay gap affect women’s ability to repay their student debt? This study investigates the extent to which an income contingent scheme benefits women because of their individual earnings. Using the Australian Household, Income, and Labour Dynamics in Australia Survey, gender differences in debt repayment behaviour over the past two decades was examined. The regression model comprised interaction terms including risk-averse, low socio-economic status, low wealth and low income. The industries where the majority of women are employed – education and health – were also examined. It was found that over 2002–2014, ...
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    Does the gender pay gap affect women’s ability to repay their student debt? This study investigates the extent to which an income contingent scheme benefits women because of their individual earnings. Using the Australian Household, Income, and Labour Dynamics in Australia Survey, gender differences in debt repayment behaviour over the past two decades was examined. The regression model comprised interaction terms including risk-averse, low socio-economic status, low wealth and low income. The industries where the majority of women are employed – education and health – were also examined. It was found that over 2002–2014, women generally had less student debt than men, but those who were low income carried more debt. This is the first study to include an analysis of student debt by industry through a gender lens. Given the increasing amount of student debt Australians are carrying, it is important for policymakers to pay attention to its effects to ensure fairness and equity.
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    Journal Title
    Policy Futures in Education
    DOI
    https://doi.org/10.1177/1478210319895182
    Copyright Statement
    West, T, Women pay their way on income contingent student debt, Policy Futures in Education, OnlineFirst, 2019. Copyright 2019 The Authors. Reprinted by permission of SAGE Publications.
    Note
    This publication has been entered into Griffith Research Online as an Advanced Online Version.
    Subject
    Specialist studies in education
    Policy and administration
    Political science
    Social Sciences
    Education & Educational Research
    Student debt
    HILDA
    women
    Publication URI
    http://hdl.handle.net/10072/397428
    Collection
    • Journal articles

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