<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
		>
<channel>
	<title>Comments on: HECS debt and the Grattan Institute Report</title>
	<atom:link href="http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/feed/" rel="self" type="application/rss+xml" />
	<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/</link>
	<description>Australia&#039;s leading libertarian and centre-right blog</description>
	<lastBuildDate>Wed, 19 Jun 2013 15:35:36 +0000</lastBuildDate>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.5.1</generator>
	<item>
		<title>By: Tony Healy</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-707634</link>
		<dc:creator>Tony Healy</dc:creator>
		<pubDate>Wed, 23 Jan 2013 10:52:09 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-707634</guid>
		<description><![CDATA[&lt;blockquote&gt;I was under the impression that individuals with PR could access HECS too.&lt;/blockquote&gt;

Sinc, I was under that impression too. There used to be schemes where students would start a course as a fee-payer, then gain Permanent Residence (PR) and have the government pay the remainder of the course. A sweet deal.

However on doing a quick Google, I see there was some sort of crack down, and that now international students are only eligible for HELP, and only for so-called &quot;bridging study.&quot;

It sounds like another of the rorts the government decided to fix before the papers found out about it.]]></description>
		<content:encoded><![CDATA[<blockquote><p>I was under the impression that individuals with PR could access HECS too.</p></blockquote>
<p>Sinc, I was under that impression too. There used to be schemes where students would start a course as a fee-payer, then gain Permanent Residence (PR) and have the government pay the remainder of the course. A sweet deal.</p>
<p>However on doing a quick Google, I see there was some sort of crack down, and that now international students are only eligible for HELP, and only for so-called &#8220;bridging study.&#8221;</p>
<p>It sounds like another of the rorts the government decided to fix before the papers found out about it.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: johanna</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706487</link>
		<dc:creator>johanna</dc:creator>
		<pubDate>Tue, 22 Jan 2013 01:59:50 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706487</guid>
		<description><![CDATA[HECS/HELP is a poorly designed system, because it punishes people for increasing their earnings. As others have mentioned, many women with degrees work part-time or not at all for many years while raising their kids. If they do get a decent-paying job, they then get slugged with extra tax. And, semi-retired or retired people need not even think about ever paying it back. Now we have their greedy kids demanding that that their estates be exempt from paying the bill.

People should be required to repay something towards their HECS debt out of any income they earn, no matter how little. Alternatively, they should be required to take out a commercial loan to pay their fees.

As it stands, the system is an incentive for worthless degree-factories to enrol anyone and everyone, and for students to find ways to keep their incomes below the threshhold or leave the country for better paying jobs.]]></description>
		<content:encoded><![CDATA[<p>HECS/HELP is a poorly designed system, because it punishes people for increasing their earnings. As others have mentioned, many women with degrees work part-time or not at all for many years while raising their kids. If they do get a decent-paying job, they then get slugged with extra tax. And, semi-retired or retired people need not even think about ever paying it back. Now we have their greedy kids demanding that that their estates be exempt from paying the bill.</p>
<p>People should be required to repay something towards their HECS debt out of any income they earn, no matter how little. Alternatively, they should be required to take out a commercial loan to pay their fees.</p>
<p>As it stands, the system is an incentive for worthless degree-factories to enrol anyone and everyone, and for students to find ways to keep their incomes below the threshhold or leave the country for better paying jobs.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: mundi</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706427</link>
		<dc:creator>mundi</dc:creator>
		<pubDate>Tue, 22 Jan 2013 00:28:25 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706427</guid>
		<description><![CDATA[Isnt the original post wrong?

The percentage in the table is the amount students pay through Hecs. the remainder is paid for by government. 

the reason i know this is i was just looking at engineering degrees that have total help loans of $30k but for which the univerdity recieves $102k in funding.]]></description>
		<content:encoded><![CDATA[<p>Isnt the original post wrong?</p>
<p>The percentage in the table is the amount students pay through Hecs. the remainder is paid for by government. </p>
<p>the reason i know this is i was just looking at engineering degrees that have total help loans of $30k but for which the univerdity recieves $102k in funding.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Andrew</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706369</link>
		<dc:creator>Andrew</dc:creator>
		<pubDate>Mon, 21 Jan 2013 22:54:19 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706369</guid>
		<description><![CDATA[&lt;blockquote&gt;I was under the impression that individuals with PR could access HECS too&lt;/blockquote&gt;

According to the website and what I&#039;ve read, these are the people who are eligible for HECS-HELP

&lt;blockquote&gt;   - be studying in a Commonwealth supported place;
   - be an Australian citizen or permanent humanitarian visa holder;
   - enrol with a provider in each unit, by the census date;
   - read the Information for Commonwealth supported students and HECS-HELP booklet; and
   - submit a valid Request for Commonwealth support and HECS-HELP form by the census date (or earlier administrative date) to your provider.&lt;/blockquote&gt;

International students don&#039;t get any assistance
&lt;blockquote&gt;International students are not eligible to access a Higher Education Loan Program (HELP) loan for their study, and must pay the overseas student fees charged by their provider.&lt;/blockquote&gt;]]></description>
		<content:encoded><![CDATA[<blockquote><p>I was under the impression that individuals with PR could access HECS too</p></blockquote>
<p>According to the website and what I&#8217;ve read, these are the people who are eligible for HECS-HELP</p>
<blockquote><p>   &#8211; be studying in a Commonwealth supported place;<br />
   &#8211; be an Australian citizen or permanent humanitarian visa holder;<br />
   &#8211; enrol with a provider in each unit, by the census date;<br />
   &#8211; read the Information for Commonwealth supported students and HECS-HELP booklet; and<br />
   &#8211; submit a valid Request for Commonwealth support and HECS-HELP form by the census date (or earlier administrative date) to your provider.</p></blockquote>
<p>International students don&#8217;t get any assistance</p>
<blockquote><p>International students are not eligible to access a Higher Education Loan Program (HELP) loan for their study, and must pay the overseas student fees charged by their provider.</p></blockquote>
]]></content:encoded>
	</item>
	<item>
		<title>By: tgs</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706368</link>
		<dc:creator>tgs</dc:creator>
		<pubDate>Mon, 21 Jan 2013 22:52:08 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706368</guid>
		<description><![CDATA[&lt;blockquote&gt;Nothing Orwellian about it, really.&lt;/blockquote&gt;

I should stress that it is a theoretical term.]]></description>
		<content:encoded><![CDATA[<blockquote><p>Nothing Orwellian about it, really.</p></blockquote>
<p>I should stress that it is a theoretical term.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: tgs</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706360</link>
		<dc:creator>tgs</dc:creator>
		<pubDate>Mon, 21 Jan 2013 22:47:20 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706360</guid>
		<description><![CDATA[&lt;blockquote&gt;tgs, ‘socially optimal’ sounds suitably Orwellian or newspeakish talk for “sufficient control of the political economy”.&lt;/blockquote&gt;

It is an economics term - used when one is making the distinction between social and private costs, for example due to the presence of externalities.

The socially optimal level of production of a good or service is one where the marginal social cost is equal to the marginal social benefit.

Nothing Orwellian about it, really.]]></description>
		<content:encoded><![CDATA[<blockquote><p>tgs, ‘socially optimal’ sounds suitably Orwellian or newspeakish talk for “sufficient control of the political economy”.</p></blockquote>
<p>It is an economics term &#8211; used when one is making the distinction between social and private costs, for example due to the presence of externalities.</p>
<p>The socially optimal level of production of a good or service is one where the marginal social cost is equal to the marginal social benefit.</p>
<p>Nothing Orwellian about it, really.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: rebel with cause</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706307</link>
		<dc:creator>rebel with cause</dc:creator>
		<pubDate>Mon, 21 Jan 2013 21:11:41 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706307</guid>
		<description><![CDATA[The benefits to university education are mostly, if not entirely private. So it follows that the burden of payment should fall on the student. While I may have been enriched by my university education, it is very difficult to see what positive externalities my education has had for society and therefore why it should have been subsidised.]]></description>
		<content:encoded><![CDATA[<p>The benefits to university education are mostly, if not entirely private. So it follows that the burden of payment should fall on the student. While I may have been enriched by my university education, it is very difficult to see what positive externalities my education has had for society and therefore why it should have been subsidised.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Boambee John</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706304</link>
		<dc:creator>Boambee John</dc:creator>
		<pubDate>Mon, 21 Jan 2013 20:46:47 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706304</guid>
		<description><![CDATA[Abu Chowdah:

And the problem of too many degrees is set to worsen, as a result of government policy, to increase the numbers at university! Do we really need registry staff with arts degrees?

Driftforge:

I didn&#039;t say fund health research to the exclusion of all other, just change the balance!]]></description>
		<content:encoded><![CDATA[<p>Abu Chowdah:</p>
<p>And the problem of too many degrees is set to worsen, as a result of government policy, to increase the numbers at university! Do we really need registry staff with arts degrees?</p>
<p>Driftforge:</p>
<p>I didn&#8217;t say fund health research to the exclusion of all other, just change the balance!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Rob</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706208</link>
		<dc:creator>Rob</dc:creator>
		<pubDate>Mon, 21 Jan 2013 13:44:28 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706208</guid>
		<description><![CDATA[Itunes U is free, as are the more useful Coursera and Udacity (with very rare exceptions where you pay to do the exam at a testing centre)]]></description>
		<content:encoded><![CDATA[<p>Itunes U is free, as are the more useful Coursera and Udacity (with very rare exceptions where you pay to do the exam at a testing centre)</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: kelly liddle</title>
		<link>http://catallaxyfiles.com/2013/01/21/hecs-debt-and-the-grattan-institute-report/comment-page-1/#comment-706145</link>
		<dc:creator>kelly liddle</dc:creator>
		<pubDate>Mon, 21 Jan 2013 11:43:24 +0000</pubDate>
		<guid isPermaLink="false">http://catallaxyfiles.ozblogistan.com.au/?p=38935#comment-706145</guid>
		<description><![CDATA[&lt;blockquote&gt;I was under the impression that individuals with PR could access HECS too.&lt;/blockquote&gt;

Well they can get the dole so I can&#039;t see why not.]]></description>
		<content:encoded><![CDATA[<blockquote><p>I was under the impression that individuals with PR could access HECS too.</p></blockquote>
<p>Well they can get the dole so I can&#8217;t see why not.</p>
]]></content:encoded>
	</item>
</channel>
</rss>
