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Grant support

Financial support from the Spanish Ministry of Science (projectsECO2013-45395-R and ECO2013-48496-C4-4- R), the Regional Government of Aragon and FSE (project S125: Compete Research Group) and the Generalitat de Catalunya (contract 2014 SGR 1360, and the XREPP) is gratefully acknowledged.

Analysis of institutional authors

Utrero-González, NataliaAuthor

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Article

Estimating taxpayer subsidies and individual repayment burdens of a student loan program in Spain

Publicated to:Hacienda Publica Espanola-Review Of Public Economics. (220): 89-106 - 2017-01-01 (220), DOI: 10.7866/HPE-RPE.17.1.3

Authors: Jose Callado-Munoz, Francisco; Del Rey Canteli, Elena; Utrero-Gonzalez, Natalia

Affiliations

Ctr Univ Def Zaragoza, Zaragoza, Spain - Author
Univ Girona, Girona, Spain - Author

Abstract

We study the program Prestamos Renta Universidad that provided loans to Master's students in Spain between 2007 and 2010. We estimate predicted income functions and calculate individual repayment burdens and government cost using unconditional quantile regression analysis. We exploit the changing conditions of the successive calls to illustrate three important lessons for the design of student loan schemes: fixed monthly repayments exert an excessive burden to graduates at the lower end of the income distribution; general interest rate subsidies are costly to the taxpayer and unfairly distributed; while the deferment of payments due in case of hardship protects low earners, general grace periods are costly and inequitable.

Keywords

Educational financeRepayment burdenStudent loans

Quality index

Bibliometric impact. Analysis of the contribution and dissemination channel

The work has been published in the journal Hacienda Publica Espanola-Review Of Public Economics due to its progression and the good impact it has achieved in recent years, according to the agency Dialnet (Dialnet Métricas). In the year of publication of the work, 2017, thus managing to position itself as a Q1 (Primer Cuartil).

Notably, the journal is positioned in the Quartile Q4 for the agency WoS (JCR), in the category Economics, in the Quartile Q4 for the agency Scopus (SJR), in the category Finance, classified as B in other national agencies such as CIRC.

Independientemente del impacto esperado determinado por el canal de difusión, es importante destacar el impacto real observado de la propia aportación.

Según las diferentes agencias de indexación, el número de citas acumuladas por esta publicación hasta la fecha 2025-06-18:

  • WoS: 3
  • Scopus: 3
  • OpenCitations: 2

Impact and social visibility

From the perspective of influence or social adoption, and based on metrics associated with mentions and interactions provided by agencies specializing in calculating the so-called "Alternative or Social Metrics," we can highlight as of 2025-06-18:

  • The use of this contribution in bookmarks, code forks, additions to favorite lists for recurrent reading, as well as general views, indicates that someone is using the publication as a basis for their current work. This may be a notable indicator of future more formal and academic citations. This claim is supported by the result of the "Capture" indicator, which yields a total of: 15 (PlumX).

Leadership analysis of institutional authors

There is a significant leadership presence as some of the institution’s authors appear as the first or last signer, detailed as follows: Last Author (Utrero González, Natalia María).