• Title/Summary/Keyword: 취업 후 상환 학자금 대출

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The Impact of Student Loan on Job Search Duration (학자금 대출이 대졸자 직업탐색 기간에 미치는 영향)

  • Jung, Ji Un;Chae, Chang Kyun;Woo, Seokjin
    • Journal of Labour Economics
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    • v.40 no.2
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    • pp.69-87
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    • 2017
  • This paper examined the impact of student loan on job search duration, explicitly considering the type of student loan. The data was collected from Korean Education & Employment Panel (KEEP) study released by KRIVET. The survival analysis shows the following two patterns. First, the students who used the student loan with guarantee tended to have longer job search duration of job search. Second, the students with the income contingent loan tended to have shorter job search duration to end up with lower wage.

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Analysis of Efficacy of Income Contingent Loan and Policy Suggestions (취업후상환학자금대출의 효과성 분석과 개선방안에 대한 고찰)

  • Park, Seung-Ryel
    • Journal of the Korea Convergence Society
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    • v.10 no.4
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    • pp.183-188
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    • 2019
  • This study analyzes whether Income Contingent Loan achieves the policy goal of reducing the burden on higher education expenses with the emphasis on the repayment structure of the loan system and suggest ways to improve the incumbent policy. The study found that the voluntary repayment amount of the loan is much higher than the mandatory repayment amount. Therefore, various policy improvement measures are needed to activate the original purpose of the loan. We proposes improvements to the repayment, such as diversification of the repayment base rate, introduction of the loan integration, and analysis of loan default probability. In addition, this study has policy and academic implications in that it has suggested policy improvement measures by analyzing various overseas cases.