Conference Agenda
Overview and details of the sessions of this conference.
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Some information on the session logistics:
If not stated otherwise, the discussant is the following speaker, with the first speaker being the discussant of the last paper. The last speaker of each session is the session chair. (Exception: invited sessions)
Presenters should speak for no more than 20 minutes, and discussants should limit their remarks to no more than 5 minutes. The remaining time should be reserved for audience questions and the presenter’s responses. We suggest following these guidelines also in the (less common) 3-paper sessions in a 2-hour slot, to allow participants to move between sessions. Discussants are encouraged to avoid summarizing the paper. By focusing on a few questions and comments, the discussants can help start a broader discussion with the audience.
Only registered participants can attend this conference. Further information available on the congress website https://www.iseg.ulisboa.pt/en/event/iipf/ .
Venue address: ISEG - Lisbon School of Economics & Management, R. Francesinhas 21, 1200-675 Lisboa, Portugal
Please note that all times are shown in the time zone of the conference. The current conference time is: 17th Sept 2026, 11:37:42am WEST
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Daily Overview |
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C04: Education Choices and Long-Run Outcomes Location: Room 104 (Francesinhas 1) | |
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The Effects of Student Debt on Labour-market Outcomes Under Income-contingent Loans 1: University of Melbourne, Australia; 2: University of Melbourne, Australia This paper estimates the effects of accumulated bachelor-level student debt on post-graduation labour-market outcomes under Australia’s universal income-contingent loan system. Although income-contingent repayment provides insurance against low earnings, outstanding debt effectively operates as an additional marginal tax on income until fully repaid, potentially influencing labour-market behaviour. Using rich administrative data and exogenous variation in tuition fees generated by federal reforms and field-specific fee schedules, we examine impacts over the early and mid-career. Higher accumulated debt reduces earnings, slows income growth, and worsens job-quality outcomes, with effects strongest early in the career and fading as debt is repaid. Impacts vary by gender, repayment status, and field of study, indicating that student debt can exacerbate existing labour-market inequalities even within an income-contingent framework. Mechanism analysis shows that effects operate primarily through earnings capacity and job quality rather than employment participation. These findings inform the efficiency and equity evaluation of higher-education finance policy.
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