Do student loans drive people overseas - what is the evidence? Publications
Publication Details
This report applies statistical modelling to the Integrated Dataset of Student Loan Scheme Borrowers. It provides interesting new information on the likelihood of a borrower being declared overseas five years post study across a variety of characteristics such as size of student loan leaving balance and level of study.
Author(s): Warren Smart, Ministry of Education.
Date Published: May 2006
Summary
The role that student loans play in the decision of New Zealanders to live overseas has been the subject of much recent debate. The majority of the debate has centred on concerns that large student loans may be 'causing' New Zealanders to live overseas, either to escape the burden of the debt, or to earn higher wages in order to pay off their loans. It is the impact of student loans on the decision of people to live overseas that is the focus of this report - Do student loans drive people overseas – what is the evidence?
This study is developed from statistical models of around 23,700 student loan scheme borrowers who left study in 1997. Statistical modelling allows the likelihood of certain subgroups to be declared overseas to be estimated, once other demographic and educational differences are taken into account.
By taking account of educational and demographic differences, this study explores some interesting questions such as:
- How does the size of the student loan leaving balance affect the likelihood of a borrower being declared overseas five years post-study?
- How does the level of study affect the likelihood of a borrower being declared overseas five years post-study?
- How does the ethnic group of borrowers affect the likelihood of a borrower being declared overseas five years post-study?
- How does the age of borrowers affect the likelihood of their being declared overseas five years post-study?
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