Income-contingent loans: Implications for accessibility to post-secondary education in Ontario

grantor: University of TorontoThis thesis will explore the implications for accessibility with the introduction of an income-contingent loan repayment program. I will examine some of the problems associated with repayment and default rates connected with the current loan programs available to Ontario students, which would be addressed by a new student aid system which takes into account a graduate's income in the establishment of repayment rates. This thesis will also explore the results of studies associated with determined and/or explaining enrollment patterns in Ontario universities, with the aim of determining the implications of future, substantial tuition increases which may accompany the implementation of a model of this new loan plan. As well, the ramifications of an income-contingent loan plan for women borrowers will also be considered.M.A