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Confirmation of Candidature - Candidate: May Hwa Francisca Chew

The Impact of Financial Repayment Obligation and Taxation on HECS-HELP Debt
20 MAY 2022
12.00 PM - 1.30 PM
Online via Zoom
This research aims to explore whether the behavioural changes related to or associated with financial repayment obligations and the impact of taxation on HECS-HELP loan borrowers once their income reaches the 2021-2022 minimum compulsory repayment threshold of $47,017. Research questions are used to explore whether HECS-HELP debt is associated with ‘avoiding loan repayment’ behavioural changes and whether their lack awareness and knowledge about the obligation to pay debts are antecedents this changed behaviour. A qualitative research method allows the uncovering of HECS-HELP borrowers’ experiences through open-ended and open-closed questions. This proposed research will provide new insights to both students or potential borrowers and the HECS-HELP loan provider (the government) about the advantages (benefits) and disadvantages (shortcomings) of the HECS-HELP loans.