Topic: The effect of credit constraints on the dropout, graduate and slow finishing decisions of university students in Australia is studied. The Australian university system has institutions in place to resolve credit constraint issues, including an income contingent loan scheme and means tested government income support. Our key findings are that the effects of credit constraints vary with high school achievement and that credit constrained students are at greater risk of dropout. We find likely credit constrained students with strong high school achievement are more likely to graduate and less likely to be slow finishers relative to otherwise similar students who are only potentially or unlikely constrained. We also find that dropout is most likely in the first year of study and falls over time for all students. After three years of study, however, the risk of dropout starts to increase for students who are likely constrained. Given the policy settings in place in Australia, the chances of graduation and slow finishing do not vary negatively between students more or less likely to face credit constraints. However, more attention should be directed at the issue of dropouts as students who are likely credit constrained are at least twice as likely to drop out as other students. Speaker: D0r Buly Cardak is an Associate Professor in the School of Economics at La Trobe University. His research focus is in the Economics of Education. One of his current research projects focuses on higher education and the effects of credit constraints on university participation and completion in the Australian university system. Buly was recently awarded research funding by the National Centre for Student Equity in Higher Education to undertake research into the equity implications of the university admissions process. He also researches the differences in student outcomes between public and private schools, recently publishing a paper that found the benefits of Catholic school attendance to be smaller than previous studies. His research includes both empirical and theoretical work and he has also undertaken research in Finance on household portfolio allocations. His work has been published in the European Economic Review, Journal of Banking and Finance, Economica, Oxford Economic Papers, Labour Economics, Economic Record and Economics of Education Review. Along with his research interests, Buly has taught a wide range of subjects in Economics and Finance and is the current Director of Research in the School of Economics at La Trobe University. Please register for this event here: https://esavic2014pd11.eventbrite.com.au