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Graduates who earn more will repay more each month, so the system is fair and affordable; and those who enter a more lucrative profession will pay a higher rate of interest, and ultimately contribute more to the cost of their university education.
However, even though large numbers of graduates will repay more than they borrowed, the vast majority will not return their loan in full, the study finds.
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Placing a freeze in the threshold, graduates will now repay more of their cash each month towards the loans and - as many students won't repay the full amount borrowed within the 30 years before the debt is wiped - also means they will pay more overall as well.
It capped the amount of interest firms can charge so people taking out payday loans will never have to repay more than twice the sum they borrowed.
People taking out payday loans will never have to repay more than twice the sum they borrowed under the Financial Conduct Authority plans, which it estimates would cost the £1bn payday loan industry £420m in lost revenues.
"If 38 Studios fails, Rhode Island taxpayers will be liable to repay more than $100 million," the Providence Journal reported.
Interest can still be applied after the missed payment date, but the FCA has also proposed an overall cap on costs which will prevent anyone having to repay more than double the amount they borrowed.
The ruling will also force the council to repay more than £1m in fees collected since 2010.
That is, more people who can get into the right repayment program, who can continue to repay, more people who will get the debt forgiveness that's available to them as a matter of law.
For graduates with initial debt above £50 000, male graduates typically repay more because their average yearly salaries are higher.
If not, well, A. has already decided what she's going to do, and doing it in a positive way will repay A. in less stress and more certainty.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com