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2019, Cilt 9, Sayı 3, Sayfa(lar) 622-639 |
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DOI: 10.5961/jhes.2019.360 |
Analysis of Student Loan Mechanism Needs in Turkish Higher Education System |
Tuğçe TATOĞLU |
Süleyman Demirel University, Faculty of Economics and Administrative Sciences, Department of Economics, Isparta, Turkey |
Keywords: Financing of higher education, Higher education credit system, Income-contingent credit system |
This study analyzes whether the students need an additional loan mechanism which will provide additional funding to them in order to
reduce and/or eliminate the learning costs of higher education students in Turkey. In Turkey, it is observed that some students got an
adequate score to study with partial-scholarship or non-scholarship at best foundation universities but could not prefer to take education
as paid in these universities due to their financial constraints. The study shows the results of field research conducted on 253 students who
are studying in Departments of Economics and Electric and Electronics Engineering at Ankara Yıldırım Beyazıt University, Çukurova
University and Eskişehir Osmangazi University in order to analyze the validity of this observation. As a result of the study, approximately
half of the students participating in the field research thought that such a credit mechanism was not necessary, while about 30% of them
stated that they needed a loan mechanism, approximately 20% of the students stated that they were indecisive. It is thought as primary reason for this that it is associated with the students’ inability to make forecasting about their future income. However, the fact that
students attach great importance to employment opportunities when they prefer the universities displays their apprehension of them
about income and employment. It is thought that the main reasons behind these attitudes of the students who have negative and indecisive
approaches to the necessity of borrowing mechanisms stem from these two criteria. However, it is considered that some of the students
who have negative and indecisive approaches about the borrowing system will desire to get involved in such a system with the construction
of an income-contingent credit scheme which includes starting to repay after finding a job and repaying a certain percentage of the current
income.
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