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Human capital is important for social and economic development. The most sensible way to enhance the quality of a country’s human capital is to promote education. In developing countries, however, access to education, especially at high educational levels, is limited because large numbers of the population are poor. Therefore, the government has to play an important role in establishing a student loans scheme to reduce inequality in education, which will eventually increase the country’s economic growth.

Thailand’s Student Loans Fund: An analysis of interest rate subsidies and repayment hardships