To understand and design student loan systems, realistic earnings and/or income
projections for current and future graduates are crucial. In this paper, Current Population …

The use of income contingent loans (ICLs) for Higher Education (HE) students is becoming
increasingly prevalent around the world. Using a model of simulated lifetime earnings for …

The Japanese higher education sector has seen increases in tuition with stagnant
household incomes in a society where family support for university students has been the …

Currently China is experiencing unprecedented growth in higher education enrolments, with
this trend set to continue. Whether higher education financing policy is able to facilitate this …

Income contingent loans (ICL) are generally collected through the income taxation system
and are repaid only when future incomes exceed a specified level. ICL were first introduced …

This paper aims to predict incomes of customers for banks. In this large-scale income
prediction benchmarking paper, we study the performance of various state-of-the-art …

This paper simulates student loan schemes for Brazil. A copula approach is applied to
simulate dynamic earnings paths for graduates. Repayment patterns are then simulated for …

COVID-19 has had a significant economic impact on Australia, and consequently on the
superannuation savings of many individuals. To examine COVID-19's heterogeneous effects …

This paper examines the feasibility of an income-contingent loan system to finance tertiary
education in Indonesia. Using graduates' income data from the 2015 National Labor Force …

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