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The determinants of student loan take-up in the United Kingdom: another gaze

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  • Vernon Gayle

Abstract

This paper makes a comparison and contrast with the work of Johnes (1994). A similar set of survey results are employed to identify the variables which influence undergraduates' decision to take out student loans. In general income factors are not found to be significant. There is evidence that being in debt is influential. This concurs with Johnes' findings, although in this research credit card debts are also found to be a significant influence. The results suggest that marital status has a significant effect on taking out a loan, but the direction of the effect opposes Johnes results.

Suggested Citation

  • Vernon Gayle, 1996. "The determinants of student loan take-up in the United Kingdom: another gaze," Applied Economics Letters, Taylor & Francis Journals, vol. 3(1), pages 25-27.
    • Handle: RePEc:taf:apeclt:v:3:y:1996:i:1:p:25-27
    DOI: 10.1080/758525510
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    Cited by:

    1. Stephan Thomsen & Friederike von Haaren-Giebel, 2016. "Did tuition fees in Germany constrain students’ budgets? New evidence from a natural experiment," IZA Journal of European Labor Studies, Springer;Forschungsinstitut zur Zukunft der Arbeit GmbH (IZA), vol. 5(1), pages 1-25, December.
    2. Michael Insler & Pamela Schmitt & Jake Compton, 2013. "Does everyone accept a free lunch? Decision making under (almost) zero cost borrowing," Departmental Working Papers 42, United States Naval Academy Department of Economics.

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