Programme selection in active labour market policy by one's own contribution?

Given skill-based unemployment rates, which decline with an increasing level of education, individuals invest too little in education and training. They take account of their legal claim to wage replacement benefits and therefore place too much value on possible periods of unemployment. This may justify education and training subsidies like those provided by active labour market policy. With free access and full cost assumption by the Labour Agency, the demand for such programmes is too high, however, explaining at least part of the unsatisfactory evaluation results. A meaningful alternative would be to have participants in the programmes assume part of the costs, where possibly lacking funds could be bridged by loans.