One of the reasons why adults do not take up education and training is cost. Loans provide a way to cover these costs. But which schemes are used across Europe, and which work best? Cedefop’s latest research paper reviews the use of loans for learning in 33 European countries and analyses the schemes in eight Member States: France, Hungary, the Netherlands, Austria, Poland, Finland, Sweden and the UK.


The report examines types and levels of learning covered, conditions of access, repayment and governance. To assess loan schemes it applies five criteria: take-up rates, default rates and administrative costs, equity, impact and sustainability.  It also looks at how non-EU countries have improved their loan schemes, and makes recommendations for European policy and practice.


This publication is also available in e-book form.


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