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The section reviewing student loans schemes in other countries indicates considerable diversity in design and practice across schemes. Attention is paid to four central themes: loan scheme objectives, the funding of loans schemes, the financial viability of loans schemes and repayment issues.

The Shochat proposals are compared with those of an earlier loans scheme proposal, the “Free to Learn” scheme, based loosely on the Australian model. Since the two proposed loans schemes differ strikingly in terms of objectives, institutional structure and mode of operation, a comparative analysis of the two schemes may serve as a useful framework in considering major design elements for a student loans scheme within the specific Israeli context. This is preceded by a discussion of lessons to be learned from the particular experience of two major loans schemes, in Australia and in England and Wales.