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coursework degrees and tuition fees in Australia  \nNigel Palmer  \nAustralian National University  \nNatasha Abrahams Monash University  \nMark Pace  \nUniversity of Adelaide  \nEmily De Rango University of Melbourne  \nThere has been substantial growth in postgraduate coursework study in Australia since moves towards deregulation began in the early 1990s. This growth in postgraduate coursework education has brought benefits for both institutions and individuals. However, in aderegulated fee environment these benefits now risk being outweighed by the mounting costs of education for those who wish to improve their qualifications. This paper revisits a paper by Smith and Frankland in 2000, regarding the ‘marketisation’ of postgraduate coursework degrees in Australia and addresses the likely implications of recent proposals for a cap on the combined cumulative fee debt for current and prospective postgraduate coursework students. It finds that many of the predictions made by Smith and Frankland in 2000 have been borne out and that the prospect of limits on cumulative debt from multiple degree programs has the potential to have an impact on increasing numbers of graduates with fee debts well in excess of $100,000 .  \nKeywords: studentfees, postgraduate study, tuition fees  \nIntroduction  \nParticipation in higher education in Australia is supported through loan schemes for domestic students administered by the Australian Government. These include the Higher Education Contribution Scheme (HECS) for governmentsupported study (now the HECS-HELP component of the HELP loan program, referred to here as ‘HECS’ or ‘HECSHELP’) and FEE-HELP loans for ‘full fee’(predominantly postgraduate coursework) degrees. The HECS scheme has received international recognition as a means for  \nsupporting participation in higher education that is both effective and equitable.The success ofthe HECS scheme is due in part to the fact that, despite increases in cost to the student and other changes to the scheme, the maximum amount that can be charged for study supported by a Commonwealth Supported Place (CSP) under the scheme continues to be regulated. This is not the case with ‘full fee’ courses. The FEE-HELP program allows students to defer the cost of tuition in much the same way as HECSHELP. In this respect, the scheme is also an effective means of supporting participation. However, while the  \nvol. 60, no. 2, 2018 Mind the cap? Nigel Palmer, Natasha Abrahams, Mark Pace & Emily De Rango 57  \nA U S T R A L I A N U N I V E R S I T I E S ’ R E V I E W  \nmaximum domestic charge for undergraduate and CSPsupported postgraduate courses is regulated, fees for other postgraduate courses are not.The difference in fee levels between the two can be stark. This contrast is also reflected in the total loan debt accrued by students who participate in multiple programs of study.  \nThe Higher Education Support Legislation Amendment (Student Loan Sustainability) Bill 2018 would amend the Higher Education Support Act 2003 to introduce a‘combined cap’on HECS-HELP and FEE-HELP student loan debt. These limits would be $104,440 for most students and $150,000 for those undertaking medicine, dentistry and veterinary science courses. These are ‘combined’in the sense that they would apply to all loan debts accrued through student loan programs supported by the Australian Government. Loan limits already exist for FEEHELP debts.The fact that the costs of some very expensive and supposedly ‘niche’ degree programs already exceed the current and proposed fee loan limits has gained some attention (Cervini, 2016; Ross, 2018; Senate Education and Employment Legislation Committee, 2018) . What has received relatively little attention however is the full extent of the potential impact of these limits on the large number of students pursuing multiple qualifications – qualifications which form part of standard le","cbCaicmtifsuKs79","https://ap.wps.com/l/cbCaicmtifsuKs79","pdf",255951,"English","# Introduction\n## Higher education loan schemes in Australia\n# Combined cap proposal and implications\n## Loan debt limits under the Bill 2018\n## Potential negative consequences for multiple qualifications\n# Participation in postgraduate coursework study in Australia\n## Historical enrolment trends","[{\"question\":\"本文研究的核心问题是什么？\",\"answer\":\"本文关注澳大利亚研究生课程学位在“市场化”背景下的学费与贷款成本，并分析拟对HECS-HELP与FEE-HELP累计债务设定“联合上限（combined cap）”后可能带来的影响。\"},{\"question\":\"HECS-HELP与FEE-HELP在费用监管上有什么差异？\",\"answer\":\"文中指出，HECS框架下与CSP相关的最高收费受到监管，而部分“full fee”课程的收费不受同等方式的监管；同时两类课程在学生总体贷款债务上也会呈现明显差异。\"},{\"question\":\"combined cap提案可能造成哪些负面后果？\",\"answer\":\"文章强调，该上限可能削弱教育贷款计划的主要目的，即对无法承担超出“上限”学费的人群形成反而是“阻碍参与”的效果；同时，多学位学习路径可能导致更多学生出现远超10万澳元的费用债务风险。\"}]","Mind the cap? - Postgraduate coursework degrees and tuition fees in Australia | PDF",1792079880,23]