Exploring the Student Loan System in Colleges of Taiwan

[[abstract]]This research tries from the economic angle to construct the construction to go to school the student loan system analysis rationale, and in terms of “efficiency” and “equity”, analyzes student loan system present situation of our country university and the university tuition burden question. The research aims to appraise whether current student loan system conforms with the efficiency, whether the tuition rise too quickly, whether students’ burden is too heavy and whether it can result in the unfair opportunity of going to university, by comparing with several years statistical data, hoping to provide the suggestion to refer to the policy-maker. This research obtains conclusion as follows: (1) Present student loan system fairly more than is needed, but the efficiency is insufficient. (2) Current applying for student loan population and amount large growth, though help lots of low-income students studying in the private university, but also aggravates the government the financial burden, and creates exceed puts the vicious circle which the ratio climbs. (3) The situation of the rising university tuition is obvious. If the government reduces the tuition, it will affect the efficiency. In addition, students study in private university will heavily be affected to reduce desire of enrolment because of the tuition burden. It will give rise to the entrance opportunity be unequal.