NATSEM HELP Repayment Scenario Modelling
The following provides the detailed results of a scenario-based analysis of the repayment schedules for a deregulated higher education market in Australia for a number of common degrees in Australia by gender. NATSEM compares the expected repayments under the existing policy and compares that to a deregulated system under a range of scenarios for price increases. The modelling uses Census data for expected future income streams for different occupations, gender and age groups. NATSEM assumes a 5 per cent bond rate for the repayment under the proposed new policy announced in the 2014-15 budget.