Student Debt in South Africa

Illana Melzer, Director of Strategic Research at Eighty20, was invited to speak about Student Debt in South Africa at the All Africa Credit Congress held in Johannesburg on 16 – 17 May 2016. The aim of the congress was to bring together policymakers, credit grantors, financial sector stakeholders and development role-players from across the continent to discuss the opportunities and challenges that need to be addressed when it comes to credit granting and financial inclusion in Africa. As it is well known, South Africa faces a major student funding crisis. NSFAS, the current Government student funding scheme, is unsustainable and doesn’t cover all students in need.  Furthermore, the Universities are under extreme pressure to keep their fees low and include more students. Thus, it is critical that we find an alternative student funding model that works for South Africa and Africa at large. This is what Illana explores in her presentation, available to view below.

3 responses to “Student Debt in South Africa

  1. Thrushen

    2 years Ago

    HI All, Apologies but we don’t seem to be able to access the above presentation. Is it restricted access?

  2. Eleanor

    1 year Ago

    Avoiding debt is important to prevent additional problems but sometimes acquiring debt is necessary especially if you got into unforeseen emergency or you got into a situation where you need a large sum and you do not have enough available cash on hand. So the debt that you need is the one where can pay it on an installment basis. Some debt needs you to pay in full and this kind of debt is difficult because acquiring wholesome amount to pay is hard. So it is better to those who let you pay on an installment basis.

  3. Cynthia

    1 year Ago

    Debt has always been the result when there is a lack of money and a situation when spending money is a must. It can solve problems at the moment but create a lot in the future. But it also gives more time to prepare to solve the problems in the future like paying on the installment basis. This way the burden of paying large sum of money is lessen. If possible, all options, all alternatives should be considered first and only resort to debt when out of options. This way further problem can be avoided. Learning also to prioritize and having self-discipline can help avoiding debt. Also learning to make debt work on your favor is the best idea like acquiring a real state through debt then having it rented to some clients and pays the monthly amortization with the monthly rent from that real state.

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