Lifelong Learning: Is There a Logic for Loans? The Agency Reports.

Autor/in	Fletcher, Mick
Institution	Learning and Skills Development Agency, London (England).
Titel	Lifelong Learning: Is There a Logic for Loans? The Agency Reports.
Quelle	(2001), (13 Seiten) PDF als Volltext kostenfreie Datei Verfügbarkeit
Sprache	englisch
Dokumenttyp	gedruckt; online; Monographie
ISBN	1-85338-645-6
Schlagwörter	Stellungnahme; Academic Education; Colleges; Cost Effectiveness; Debt (Financial); Education Work Relationship; Educational Benefits; Educational Finance; Educational Policy; Feasibility Studies; Financial Needs; Financial Support; Foreign Countries; Income Contingent Loans; Instructional Student Costs; Lifelong Learning; Money Management; Noninstructional Student Costs; Outcomes of Education; Paying for College; Policy Formation; Postsecondary Education; Public Policy; Student Attitudes; Student Financial Aid; Student Loan Programs; Universities; Vocational Education; United Kingdom (England) + Suchen Sie Ihr Suchwort? Akademische Bildung; College; Hochschule; Fachhochschule; Kosten-Nutzen-Analyse; Kosten-Nutzen-Denken; Bildungsertrag; Bildungsfonds; Politics of education; Bildungspolitik; Finanzielle Förderung; Ausland; Life-long learning; Lebenslanges Lernen; Lernleistung; Schulerfolg; Studienfinanzierung; Politische Betätigung; Post-secondary education; Tertiäre Bildung; Öffentliche Ordnung; Schülerverhalten; Finanzielle Beihilfe; Studienförderung; University; Universität; Ausbildung; Berufsbildung
Abstract	This document explores the feasibility of loans to support English adults engaging in lifelong learning. The following topics are considered: (1) the policy context (loans in higher education, individual learning accounts, and education maintenance allowances); (2) the need for financial support; (3) attitudes toward loans; (3) financial advice, financial literacy, and knowledge about the impact of debt; (4) the returns on investment in academic and vocational learning; and (5) the costs of participation. The following conclusions are reached: (1) it seems unlikely that loans will have any role in supporting students under the age of 19; (2) it is doubtful whether loans should play a significant role in supporting learners to access programs below level 3; (3) for programs at level 3 or above, the evidence about returns on investment suggests that borrowing to finance learning could be to an individual's benefit; (4) current fees in public sector part-time courses are well below the rate at which potential students seem to look to formal loan arrangements; and (5) loans would be most likely to contribute to lifelong learning in circumstances where a combination of fees and other participation costs is substantial and the program offers the prospect of high returns to students. (MN)
Anmerkungen	Learning and Skills Development Agency, 3 Citadel Place, Tinworth Street, London SE11 5EF, England, United Kingdom Tel: 020 7840 5443; Fax: 020 7840 5401; Web site: http://www.LSagency.org.uk.
Erfasst von	ERIC (Education Resources Information Center), Washington, DC