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Summary
本文在简要介绍澳大利亚目前的教育贷款和学生偿还能力的基础上，建议将申请的门槛提升到合理水平，以支持真正需要帮助的学生，并引用减少政府财政压力。
Based on the brief introduction of the current education loan in Australia and student’s repay ability,this essay recommends lifting the thresholds of the application to the reasonable level to support students who are really needed the help and meanwhile reduce government financial pressure.
Policy context政策背景
根据情况，帮助学生随着对学生的大力支持而增加，作为帮助学生的不足的原因，回报门槛仍然较低。关键原因是兼职工作收入无法弥补研究进度中的贷款成本。但是，澳大利亚家庭的平均收入可能达到每年80,000澳元。此外，这笔钱应该支持真正低收入的学生，以支持他们的学习减轻负担。
Based on the situation that, the Help-student increased with the heavily supporting to the students, Repay thresholds are still lower, as the reason of the deficit of the help students. The key reason is that part time job revenue could not cover the costs of the loan in the progress of the study. However, the average income of the family in Australia, which could reach to the AUD80, 000 annually, is supported. In addition, this amount of the money should support the students who are really lower income to support their study to reduce the burden.
随着时间的推移为了降低高等教育学生在贷款项目之前偿还债务的门槛，每年将增加最初的5亿美元。To reduce the threshold of higher education students to repay the debt before the loan project will increase the initial $500 million a year, with the passage of time. There is no change, help costs soaring, cut the risk of teaching and research. Lend students an estimated $1.6 billion in 2014-15 - one 5 of the loan program, will not be repaid. Outstanding debt interest subsidies every year to increase the cost of $200 million to help, but if interest rates five times higher return to previous levels. Next year to reduce the initial payment threshold of $42000 from $54126 now cost will cut interest rates, the rapid expansion of bad loans, help bill, while maintaining the fairness and effectiveness of the program. In addition, the vocational education diploma students to get help, now unlikely than higher education graduates earn $54126 or more repayment threshold. International experience shows that, even in the lower threshold, the students still attract higher education. British student loan repayment threshold setting is similar to $42000. Meanwhile, in New Zealand, the threshold is much lower. Reform will affect more women than men, because of the high level of a part-time job. However, half of the debtors who will affect the life with a partner are 70% of couples in combination with disposable income of more than $80000 a year. Through this reform, built-in help loan subsidies will be more targeted to people facing the real economic difficulties. In hard times, it is a reform cannot be ignored in Australia.
Recommendations建议
To combine the factors together, I have suggested that lift the thresholds of the application to the reasonable level to support students who are really needed the help. It is setting up the track model to push students to pay back the loan on time, which they could use the money, so that interest of the loan could be reduced for the help-students. Furthermore, government supporting on the job, it is also helping student to find the full time job rather than part time job on the hunting.
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