Podemos justificar o FIES com base nas falhas do mercado de crédito? por Paulo Springer de Freitas e Fernando B. Meneguin publicado pelo Senado Federal (9/2015). “A questão que se coloca é, com base nas falhas de mercado, justifica-se a concessão de crédito subsidiado para a educação superior? Usualmente os estudantes são jovens e não possuem ativos para oferecer como garantia…”
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