Rate of returns on education

In Vietnam, higher education has been highly appreciated by the public as well as policymakers as a bachelor’s degree is believed to be a competitive advantage for future career. Although the effect of higher education on wage is quite obviously in Vietnam, the effect of university major on wage is not much mention in previous research.

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The federal government’s role in financing and administering these two loan programs differs significantly. Under FFELP, private lenders, such as banks, provide loan capital and the federal government guarantees FFELP lenders a minimum rate of return on the loans they make and repayment if borrowers default.1 Additionally, state-designated guaranty agencies perform a variety of administrative functions in FFELP. Under the Direct Loan Program, federal funds are used as loan capital and are provided through participating schools.

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The human development aspects of the ECE industry also have a significant economic impact on California. Studies of the costs and long-term benefits of high-quality ECE programs have consistently found substantial savings derived over the course of years and decades from reduced need for remedial and special education, reduced incarceration rates, lower rates of teen pregnancy, and many other factors. Analyses of the costs and benefits of ECE have found impressive returns on investment to the public, ranging from $2.69 to $7.16 per dollar invested.

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With several (not joint) guarantees, each guaranteeing Member State would be liable for its share of liabilities under the Stability Bond according to a specific contribution key12 . Provided that Member States would continue to obtain specific ratings, a downgrade of a large Member State would be very likely to result in a corresponding downgrade of the Stability Bond, although this would not necessarily have an impact on the rating of the other Member States.

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