Asked by: Justin Madders (Labour - Ellesmere Port and Bromborough)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment she has made of the potential impact of levels of (a) graduate debt and (b) recent media reports on levels of children from low-income households choosing to study at university.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The department is committed to addressing the persistent disadvantage gap in access to higher education (HE) and we are encouraged by the fact that disadvantaged young people continue to choose this pathway.
We are introducing targeted, means-tested maintenance grants of up to £1,000 per year from the 2028/29 academic year. These will be paid on top of existing loan amounts, increasing the cash in students’ pockets without increasing their debt.
Repayments are based on income, not loan amount or interest. Borrowers earning below the earnings threshold make no repayments. Any outstanding loan, including interest, is cancelled at the end of the term, with no detriment to the borrower, and debt is never passed to family members or descendants.
HE providers intending to charge higher level tuition fees must have an Office for Students approved access and participation plan articulating how they will improve equality of opportunity for underrepresented groups, including students from low-income backgrounds.
We have gone further and asked Professor Kathryn Mitchell to lead an HE Access and Participation Task and Finish Group to consider how to tackle systemic barriers across the journey into HE for disadvantaged students.
Asked by: Justin Madders (Labour - Ellesmere Port and Bromborough)
Question to the Department for Education:
To ask the Secretary of State for Education, what steps she is taking to ensure that students from low-income households are encouraged to consider university education.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The department is committed to addressing the persistent disadvantage gap in access to higher education (HE) and we are encouraged by the fact that disadvantaged young people continue to choose this pathway.
We are introducing targeted, means-tested maintenance grants of up to £1,000 per year from the 2028/29 academic year. These will be paid on top of existing loan amounts, increasing the cash in students’ pockets without increasing their debt.
Repayments are based on income, not loan amount or interest. Borrowers earning below the earnings threshold make no repayments. Any outstanding loan, including interest, is cancelled at the end of the term, with no detriment to the borrower, and debt is never passed to family members or descendants.
HE providers intending to charge higher level tuition fees must have an Office for Students approved access and participation plan articulating how they will improve equality of opportunity for underrepresented groups, including students from low-income backgrounds.
We have gone further and asked Professor Kathryn Mitchell to lead an HE Access and Participation Task and Finish Group to consider how to tackle systemic barriers across the journey into HE for disadvantaged students.
Asked by: Paula Barker (Labour - Liverpool Wavertree)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment her Department has made of the potential impact of maintaining thresholds for repayment of student loans between 2027-28 and 2029-30 for Plan 2 students who started their course between 2012 and 2023 on fair access to higher education for students from economically disadvantaged backgrounds.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
Plan 2 loans were designed and implemented by previous governments. Students in England starting degrees under this government have different arrangements.
Lower earning graduates remain protected by this change. Graduates only begin repaying once their earnings exceed the threshold, paying 9% of income above that level. As repayments remain income-contingent if a borrower’s salary remains the same, their monthly repayments will also stay the same.
The department has produced the attached analysis regarding the lifetime impact of freezing the repayment and interest thresholds.
The department will release an equalities impact assessment, including the impact on lifetime repayments, alongside other borrower impacts for the Plan 2 repayment threshold and interest threshold freeze announced at the Autumn Budget. Published results may differ from those provided due to model and data updates.
Asked by: Paula Barker (Labour - Liverpool Wavertree)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment her Department has made of the potential impact of maintaining thresholds for repayment of student loans between 2027-28 and 2029-30 for Plan 2 students who started their course between 2012 and 2023 on fair access to higher education for women students.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
Plan 2 loans were designed and implemented by previous governments. Students in England starting degrees under this government have different arrangements.
Lower earning graduates remain protected by this change. Graduates only begin repaying once their earnings exceed the threshold, paying 9% of income above that level. As repayments remain income-contingent if a borrower’s salary remains the same, their monthly repayments will also stay the same.
The department has produced the attached analysis regarding the lifetime impact of freezing the repayment and interest thresholds.
The department will release an equalities impact assessment, including the impact on lifetime repayments, alongside other borrower impacts for the Plan 2 repayment threshold and interest threshold freeze announced at the Autumn Budget. Published results may differ from those provided due to model and data updates.
Asked by: Paula Barker (Labour - Liverpool Wavertree)
Question to the Department for Education:
To ask the Secretary of State for Education, what her Department’s estimate is of the (a) total level of student loan debt of Plan 2 students who started their course between 2012 and 2023 and (b) total level of student loan debt of Plan 2 students at the point that the freeze in repayment thresholds is planned to end in 2029-2030 for which the latest data is available.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The current mean average level of student loan balance of Plan 2 students who started their course between 2012 and 2023 to the nearest £100, as of 9 February, is £52,100 for England domiciled borrowers.
We do not hold a forecast for this average balance in 2029/30 on a consistent basis to the above figure provided by the Student Loans Company (SLC), as we forecast loan balances at the course level rather than borrower level, so cannot calculate the average balance by borrower.
The total level of student loan balances of Plan 2 students who started their course between 2012 and 2023 is £213 billion (to the nearest billion, as of 31 March 2025), for England and EU domiciled borrowers, as published here: https://www.gov.uk/government/statistics/student-loans-in-england-2024-to-2025/student-loans-in-england-financial-year-2024-25.
Our modelled forecast of estimated total loan balance at the end of 2029/30 is £249 billion (rounded to the nearest billion, estimate for 1 April 2030), as published here: https://explore-education-statistics.service.gov.uk/find-statistics/student-loan-forecasts-for-england/2024-25#explore-data-and-files.
The 2029/30 total loan balance figure is forecasted and not certain. More details on the methodology are here: https://explore-education-statistics.service.gov.uk/methodology/student-loan-forecasts-for-england.
Asked by: Paula Barker (Labour - Liverpool Wavertree)
Question to the Department for Education:
To ask the Secretary of State for Education, what is her Department’s estimate of the (a) average level of student loan debt of Plan 2 students who started their course between 2012 and 2023 and (b) average level of student loan debt of Plan 2 students at the point that the freeze in repayment thresholds is planned to end in 2029-2030 for which the latest data is available.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The current mean average level of student loan balance of Plan 2 students who started their course between 2012 and 2023 to the nearest £100, as of 9 February, is £52,100 for England domiciled borrowers.
We do not hold a forecast for this average balance in 2029/30 on a consistent basis to the above figure provided by the Student Loans Company (SLC), as we forecast loan balances at the course level rather than borrower level, so cannot calculate the average balance by borrower.
The total level of student loan balances of Plan 2 students who started their course between 2012 and 2023 is £213 billion (to the nearest billion, as of 31 March 2025), for England and EU domiciled borrowers, as published here: https://www.gov.uk/government/statistics/student-loans-in-england-2024-to-2025/student-loans-in-england-financial-year-2024-25.
Our modelled forecast of estimated total loan balance at the end of 2029/30 is £249 billion (rounded to the nearest billion, estimate for 1 April 2030), as published here: https://explore-education-statistics.service.gov.uk/find-statistics/student-loan-forecasts-for-england/2024-25#explore-data-and-files.
The 2029/30 total loan balance figure is forecasted and not certain. More details on the methodology are here: https://explore-education-statistics.service.gov.uk/methodology/student-loan-forecasts-for-england.
Asked by: Joe Robertson (Conservative - Isle of Wight East)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment she has made of the potential impact of the further education funding model on workforce planning.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
We use the 16 to 19 funding formula to calculate an allocation of funding to each institution, each academic year for 16-19-year-olds. We calculate the basic funding for institutions using lagged student volumes and funding rates, which depend on the size of their students’ study programmes or T Levels.
The department issues allocations to institutions each spring setting out how much 16 to 19 funding they will receive in the coming academic year, which can help with planning.
The Adult Skills Fund engages adults aged 19 and above and provides the skills and learning they need to equip them for work, an apprenticeship or further learning. The recent move of adult skills to the Department for Work and Pensions provides an opportunity to strengthen the bonds between the Adult Skills Fund and progression into the labour market and will help ensure that the skills and employment systems are more fully aligned.
Further education providers are able to use this funding to support workforce and other costs.
Asked by: Ian Sollom (Liberal Democrat - St Neots and Mid Cambridgeshire)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment her Department has made of the adequacy of access to post-18 information for deaf pupils.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
We are improving careers advice in schools and colleges through the adoption of updated Gatsby Benchmarks into statutory guidance. The benchmarks put more focus on inclusion, making sure all pupils – including those in specialist settings – get personalised support and good quality, up-to-date information about future pathways, study options and labour market opportunities. We are funding training for careers leaders, Special Educational Needs Coordinators and other educators to help implement these benchmarks.
Young people who are deaf can also use the National Careers Service to get clear information about post‑18 options, along with careers and education advice designed for those with special educational needs or disabilities. The Service’s Accessibility Statement sets out how it supports people who face barriers in accessing information.
As they move into adulthood, deaf young people can receive more in‑depth, one‑to‑one guidance from community-based advisers. This enhanced support is prioritised for several groups, including individuals with SEND.
Asked by: Ian Sollom (Liberal Democrat - St Neots and Mid Cambridgeshire)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment her department has made of access to Communication Support Workers for post-18 year old deaf students.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
As set out under section 20 of the Equality Act 2010, all education and training providers, and other related service providers, have a duty to make reasonable adjustments for disabled people, including those with a hearing impairment, so they are not placed at a substantial disadvantage compared to non-disabled students.
Education and training providers should assess the individual needs of the student and put in place the appropriate assistance. Where necessary, an education and training provider can arrange for a student to be supported by a Communication Support Worker.
University students can be supported by Disabled Students Allowance (DSA) which covers disability‑related study costs and ensure hearing impaired students have equal access to learning. Feedback from stakeholders shows that British Sign Language (BSL) interpreters are more suitable in a higher education setting. Therefore, DSA funds BSL interpreters rather than Communication Support Workers.
Asked by: Uma Kumaran (Labour - Stratford and Bow)
Question to the Department for Education:
To ask the Secretary of State for Education, pursuant to the Answer of 29 November 2024 to Question 15559, if she will set out what recent assessment her Department has made of the potential merits of introducing a stepped repayment structure for Plan 2 student loans.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
We are determined that the higher education funding system should deliver for students, for our economy, and for universities.
The government keeps the student finance system under continuous review to ensure that it delivers good value for both students and taxpayers.