The expansion of self-financed courses has become an important feature of the changing financial structure of higher education in Punjab. This paper examines the institutional structure of self-financed courses in government colleges and analyses their implications for students, particularly in terms of fees, affordability and access to higher education. The study adopts a descriptive and comparative approach based primarily on college-level fee structures, institutional information and secondary literature concerning higher-education financing in Punjab. Selected government colleges are used to compare the fees of regular and self-financed programmes and to examine variations in fees for similar programmes across institutions. The analysis indicates substantial differences between regular and self-financed programmes and significant variation in fees even for similar programmes offered by different government colleges. These differences can increase the financial burden on students and may influence students choice of subjects and programmes. The paper situates the expansion of self-financing within the broader process of marketization and cost-sharing in higher education. It argues that although self-financed programmes can provide institutions with a mechanism for introducing additional academic programmes, excessive dependence on student fees raises questions concerning affordability, equity, transparency and the public responsibility for financing higher education. The paper concludes with recommendations concerning increased public funding, greater transparency in fee determination, regular recruitment of teaching staff and the gradual integration of academically necessary self-financed programmes into the regular public funding system.
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Singh et al. (2026) studied this question.
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