Promoting access of disadvantaged groups through student loans: Prerequisites for success

Adrian Ziderman

Research output: Contribution to journalArticlepeer-review

4 Scopus citations


This paper is concerned with the influence of student loans on the accessibility of disadvantaged groups to higher education. Three key conditions are necessary for success, but are often neglected. These are: that effective eligibility and screening criteria are in place and that pro-active targeting measures are employed to reach out to the most deserving sections of the target population defined in terms of those most in need of help; that the scheme is sufficiently sizeable to achieve an impact nationally; and individual loans are sufficiently large to cover the needs of the students at whom the scheme is directed. The varied experience of loans schemes in Asia, aimed directly at enhancing the access of students from low-income backgrounds, is examined. These schemes are often to be faulted because they lack a number of necessary prior conditions for success.

Original languageEnglish
Pages (from-to)227-242
Number of pages16
JournalHigher Education in Europe
Issue number2
StatePublished - Jul 2009

Bibliographical note

Funding Information:
8 Loans capital in other Korean loans schemes are also provided by existing financial funds: the Ministry of Labour scheme for industrial employees is financed from the Employment Insurance Fund; teachers and their children from the Korean teachers’ pension fund; and the Korean Labour Welfare Corporation for industrial accident victims from the Industrial Accident Compensation Insurance Fund.


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