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Working paper

Образовательные кредиты и высшее образование в России

Androuschak G., Spiridonova O. I.
In this paper the results of research on student loans in Russian universities are presented. Student loans are a new instrument of education finance. Since both its significance for the society and usefulness to education institutions is widely accepted, it is rather important to study the potential for its development. Our paper concerns two hypotheses (1) whether student loans can help universities to attract low-income students and (2) whether students from relatively well-to-do families want to resort to student loans (so to redistribute the costs of higher education so to secure relatively high level of personal consumption while at university) when deciding on the sources of funds to pay for the studies. Our results indicate that the propensity to apply for student loans is primarily affected by income and its determinants; prior borrowing experience and perceptions of the role of higher education are significant, but less important.