Rather, aversion to debt is shared by all those uneasy with the increasing costs of education, especially compared to smaller increases in real incomes.”24 Canadian Council on Learning 7 tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan [...] A maximum duration of 35 years was placed upon the repayment term which 18 Canadian Council on Learning tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada meant that a student who was unable to pay down the entire loa [...] HECS circumvented the issues of Canadian Council on Learning 19 tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada collection experienced by Yale by using the tax system as a collection agency for student debt. [...] This hybrid approach is increasingly recognized as the preferred approach for large-scale student loan systems.92 Canadian Council on Learning 21 tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada part iV: repayMent a [...] Canadian Council on Learning 33 tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada tallying the Costs of post-secondary education:: the Challenge of Managing student debt and loan repayment in Canada 53 Government of Canada, Debates of the Senate (Hansard), 1st Session, 39th Parliament, Vol.