Government-sponsored student loans have emerged over the decades as a primary method of financing post-secondary education across most North American jurisdictions. Despite this, the empirical literature examining the correlates of repayment difficulty and default in Canada has remained stagnant in recent years. This study taps into an…

Many discussions of student loan repayment focus on those students for whom repayment is a problem and conclude that the reliance on debt to finance postsecondary education is excessive. However, from both a pragmatic perspective and a logical perspective, a more appropriate approach is to develop different benchmarks for students in different…

This guide for college students in Alberta, Canada, discusses paying back students loans. While it may be the last thing a student wants to think about as he or she leaves college, it is a good idea to plan how to pay back the loan. A Canadian student has 6 months free of payments on graduation, but then must begin paying student loans, principal…

The Ontario Student Loan Program has experienced problems with default on student loans, as have loan systems in other countries where governments rely mainly on banks and special departments of quasi-public institutions to monitor or police the borrowers. This report discusses the need for radical modifications of the student loan program to…