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Who should bear the cost of public tertiary education?
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Risk sharing

Splitting the responsibility of paying back student loans between institutions and students may help regulate the cost of public tertiary education, keeping it affordable to all.
Education Risk Sharing Student Loans
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The Argument

Risk sharing between students and public tertiary institutions will essentially make institutions liable for some payments that graduates are unable to make in a timely manner.[1] This incentivizes the school to keep tuition down and the quality of education up, as to have well-qualified graduates who are likely to get jobs and make payments. Further, this system would keep students honest through the use of benchmarks to determine eligibility. If a student doesn't meet eligibility, they can no longer benefit from this program.

Counter arguments

Risk sharing creates an incentive for institutions to reconsider their admissions policy, which would favor higher-income students who can afford to pay more tuition. This is inequitable and puts low income students at a disadvantage.


[P1] Student loans are a given when it comes to public tertiary education. [P2] If the institutions are partially liable for non-repayment, they are incentivized to provide a higher quality of education.

Rejecting the premises

[Rejecting P1] Students with the means to pay for college in full can circumvent any student-loan policy with ease.


This page was last edited on Monday, 26 Oct 2020 at 14:34 UTC

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