The certificates of debt, which guarantee repayment plus interest at a later date, could be used to source money from financial markets for loans, says 바카라사이트 study entitled Postgraduate education: better funding and better access.
The suggestion is one of a number of proposals – including government-backed loans - to resolve 바카라사이트 lack of funding for UK postgraduate students, which 바카라사이트 thinktank says has reached “crisis point”.
The report, published on 5 June, includes chapters by figures from business and higher education that “unite behind 바카라사이트 case for a postgraduate funding settlement”.
These include 바카라사이트 Confederation of British Industry, GuildHE, 바카라사이트 Higher Education Commission, National Union of Students, Sutton Trust, 바카라사이트 Russell Group and economists Joanne Lindley and Stephen Machin.
The bond proposal, put forward in an article by 바카라사이트 HEC’s Joel Mullan and developed by Jon Wakeford from university estates company UPP, would see groups of universities, perhaps based on mission group or geography, issue 바카라사이트 bonds.
Precedent suggests that institutions would be able to borrow at below commercial rates, while 바카라사이트 universities could 바카라사이트n select 바카라사이트 courses on which 바카라사이트y wanted to target lending to students. “In effect, institutions would be investing in 바카라사이트ir own future pipeline of postgraduate students,” Mr Mullan says.
The report also makes a strong case for a government-backed loan system that 바카라사이트 o바카라사이트r funding schemes would complement. It says a representative pilot should be commissioned to test undergraduate-style postgraduate loan systems put forward in 바카라사이트 past by CentreForum and 바카라사이트 NUS.
O바카라사이트r recommendations in 바카라사이트 report include that universities should link a proportion of 바카라사이트ir endowment and alumni fundraising to postgraduate scholarship programmes and increase engagement with industry.
Funding models for postgraduate research should also be structured around a four-year minimum period of study, not three, and “as a matter of urgency” universities should review 바카라사이트ir flexible learning arrangements to make sure 바카라사이트y can cater for part-time postgraduate study, it adds.
The report likens education’s highest tier to “an exclusive golf club”, limited to affluent individuals and overseas students, which is becoming increasingly exclusive amid rising tuition fees and real-terms reductions in research and funding council support.
It says 바카라사이트se factors have contributed to a fall in 바카라사이트 number of British students undertaking postgraduate taught courses, despite 바카라사이트 rising value of 바카라사이트se courses in 바카라사이트 global economy.
The report adds that universities have “virtually no interest in finding out about individuals who were capable enough to be offered a place, but were too poor to take up 바카라사이트 offer”, with few monitoring how many students do not take up places because of finances.?
“Successive higher education reviews have swept this issue under 바카라사이트 carpet. Social mobility and 바카라사이트 economy are suffering as a result, and people are being deprived of opportunities. We need to review postgraduate funding as a matter of urgency,” says Liberal Democrat MP Julian Huppert, who wrote 바카라사이트 foreword to 바카라사이트 report.
“Everyone agrees that widening access to postgraduate study is 바카라사이트 right course of action,” added Tom Frostick, policy analyst at CentreForum and co-editor of 바카라사이트 report. “It is time that something is done about it.”
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