• Corpus ID: 54798727

The Effect of Behavioural Motives on Student Loan Behaviour in the Netherlands

  title={The Effect of Behavioural Motives on Student Loan Behaviour in the Netherlands},
  author={Erik Aalders},
From the academic year 2014-2015, the Dutch government has implemented the social loan system in favour of the grant system. At present time, the student loan seems a good investment in one's future, yet take-up rates are relatively low. Many reasons have been found to influence borrowing decisions, but this paper sets out to uncover behavioural motives that are present amongst students. An online survey with 271 Dutch students studies these effects, and found that debt aversion influences the… 


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