Vous êtes ici

Please consent to cookies in order to use the reading list

Loans for vocational education and training in Europe

COVID-19 and hard copy dissemination - Due to the pandemic, Cedefop has decided to suspend distribution of all hard copy publications and flyers for as long as special measures are enforced by Member States.
We encourage you to visit our website, where all published titles are available online.
Please note that you can subscribe to alerts for new content by registering here.

Cost has been identified as one of the main factors preventing adults from taking up education and training. Loans can be a viable way of covering cost. They allow individuals to borrow, on favourable conditions, from their future income, in order to finance their own education and training. 

This report reviews the use of loans for learning in 33 European countries and analyses the schemes in eight selected Member States: France, Hungary, the Netherlands, Austria, Poland, Finland, Sweden and the UK. The analysis shows that loan schemes vary considerably across Europe in terms of types and levels of learning covered, conditions of access, repayment and governance.

Loans are assessed by five criteria:

effectiveness (take-up rates)

-  efficiency (default rates and administrative costs)

-  equity

-  impact (impact on beneficiaries; deadweight and substitution effects) and

-  sustainability (financial and political).

The report looks also at the experience of non-EU countries in improving their loan schemes and formulates recommendations for European policy and practice.


Loans for vocational education and training in Europe

TI-BC-12-001-EN-NISBN: 978-92-896-0917-307/05/20121.99 Mo

Loans for vocational education and training in Europe (ebook)

TI-BC-12-001-EN-NISBN: 978-92-896-0917-307/05/20125.09 Mo

Publication Details



Available only in electronic format (download)