Asked by: Rupert Lowe (Independent - Great Yarmouth)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment she has made of the equitability of the current student loan system, in the context of the rising value of student loans issued to applicants who may not remain in the UK long enough to repay.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
As of April 2025, 6.1 million borrowers (English and EU nationals with loans from Student Finance England) are in Repayment. Of the 6.1 million, 286,000 (4.6%) reside overseas, of which 85,000 (29.7%) are EU nationals and 201,000 (70.3%) are English UK nationals. Full details can be found at: https://www.gov.uk/government/statistics/student-loans-in-england-2024-to-2025.
In November 2025, 60.3% of borrowers residing overseas (EU and UK nationals) were compliant, and 39.7% non-compliant. The compliance rate for UK borrowers was 62.3%, and for EU borrowers 55.4%.
The Student Loans Company (SLC) recovers approximately £10 million per month from customers residing overseas (both UK and EU nationals) at cost of approximately £339,000 per month. This is a return on investment of approximately 30:1.
In the 2024/25 financial year, SLC’s repayments evasion unit recovered £7.7 million from non-compliant overseas borrowers. If the SLC is unable to recover outstanding debt directly from borrowers overseas, the account will be referred to a Debt Collection Agency (DCA). On average, DCAs deliver a return on investment of £5 for every £1 spent. From April 2024 to March 2025, recoveries from overseas borrowers stand at £3.74 million.
A full equality impact assessment of how the student loan reforms may affect graduates, including detail on changes to average lifetime repayments under Plan 5, was produced and published in February 2022 and can be found at: https://www.gov.uk/government/publications/higher-education-reform-equality-impact-assessment.
Asked by: Rupert Lowe (Independent - Great Yarmouth)
Question to the Department for Education:
To ask the Secretary of State for Education, what estimate she has made of the total value of student loans unlikely to be repaid by borrowers who have not established a long-term financial footprint in the UK; and what the projected cost to the public purse will be over the next decade.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The information requested is not held centrally.
Asked by: Rupert Lowe (Independent - Great Yarmouth)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment she has made of the long-term economic contribution of student-loan recipients who do not remain in the UK workforce after graduation; and how this affects repayment forecasts for the loan book.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The information requested is not held centrally.
Asked by: Rupert Lowe (Independent - Great Yarmouth)
Question to the Department for Education:
To ask the Secretary of State for Education, what estimate she has made of the potential administrative cost associated with tracing and managing borrowers of student loans whose repayment status cannot be verified through UK tax systems.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
As of April 2025, 6.1 million borrowers (English and EU nationals with loans from Student Finance England) are in Repayment. Of the 6.1 million, 286,000 (4.6%) reside overseas, of which 85,000 (29.7%) are EU nationals and 201,000 (70.3%) are English UK nationals. Full details can be found at: https://www.gov.uk/government/statistics/student-loans-in-england-2024-to-2025.
In November 2025, 60.3% of borrowers residing overseas (EU and UK nationals) were compliant, and 39.7% non-compliant. The compliance rate for UK borrowers was 62.3%, and for EU borrowers 55.4%.
The Student Loans Company (SLC) recovers approximately £10 million per month from customers residing overseas (both UK and EU nationals) at cost of approximately £339,000 per month. This is a return on investment of approximately 30:1.
In the 2024/25 financial year, SLC’s repayments evasion unit recovered £7.7 million from non-compliant overseas borrowers. If the SLC is unable to recover outstanding debt directly from borrowers overseas, the account will be referred to a Debt Collection Agency (DCA). On average, DCAs deliver a return on investment of £5 for every £1 spent. From April 2024 to March 2025, recoveries from overseas borrowers stand at £3.74 million.
A full equality impact assessment of how the student loan reforms may affect graduates, including detail on changes to average lifetime repayments under Plan 5, was produced and published in February 2022 and can be found at: https://www.gov.uk/government/publications/higher-education-reform-equality-impact-assessment.
Asked by: Rupert Lowe (Independent - Great Yarmouth)
Question to the Department for Education:
To ask the Secretary of State for Education, what proportion of borrowers who leave the UK after receiving student finance maintain full repayment compliance; and what mechanisms exist to enforce repayments from those living overseas.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
As of April 2025, 6.1 million borrowers (English and EU nationals with loans from Student Finance England) are in Repayment. Of the 6.1 million, 286,000 (4.6%) reside overseas, of which 85,000 (29.7%) are EU nationals and 201,000 (70.3%) are English UK nationals. Full details can be found at: https://www.gov.uk/government/statistics/student-loans-in-england-2024-to-2025.
In November 2025, 60.3% of borrowers residing overseas (EU and UK nationals) were compliant, and 39.7% non-compliant. The compliance rate for UK borrowers was 62.3%, and for EU borrowers 55.4%.
The Student Loans Company (SLC) recovers approximately £10 million per month from customers residing overseas (both UK and EU nationals) at cost of approximately £339,000 per month. This is a return on investment of approximately 30:1.
In the 2024/25 financial year, SLC’s repayments evasion unit recovered £7.7 million from non-compliant overseas borrowers. If the SLC is unable to recover outstanding debt directly from borrowers overseas, the account will be referred to a Debt Collection Agency (DCA). On average, DCAs deliver a return on investment of £5 for every £1 spent. From April 2024 to March 2025, recoveries from overseas borrowers stand at £3.74 million.
A full equality impact assessment of how the student loan reforms may affect graduates, including detail on changes to average lifetime repayments under Plan 5, was produced and published in February 2022 and can be found at: https://www.gov.uk/government/publications/higher-education-reform-equality-impact-assessment.
Asked by: Edward Morello (Liberal Democrat - West Dorset)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment her Department has made of trends in the level of progression rates from foundation to other low-level courses in colleges in the South West.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
Progression rates for further education achievers aged 16+ at Below Level 2 and Essential Skills into sustained further learning (by level of learning destination) between 2018/19 and 2022/23 in i) England, ii) Dorset and iii) the South West are shown in the following tables:
The department does not publish data on employment outcomes for learners progressing to other lower-level learning from foundation courses, but it does publish sustained employment outcome rates for learners achieving at Below Level 2 and in Essential Skills between 2018/19 and 2022/23 in England, as shown in the following table: https://explore-education-statistics.service.gov.uk/data-tables/permalink/aa7ce8db-5a14-4898-4a4c-08de398c3998.
These statistics are available in the ‘Further education outcomes’ publication. This answer is based on the latest statistics that were released on 18 December 2025 and can be found here: https://explore-education-statistics.service.gov.uk/find-statistics/further-education-outcomes/2022-23. The next update to this series will be published in November 2026.
Asked by: Edward Morello (Liberal Democrat - West Dorset)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment she has made of trends in the level of (a) national progression rates from foundation to other low-level courses in colleges and (b) employment outcomes from those rates.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
Progression rates for further education achievers aged 16+ at Below Level 2 and Essential Skills into sustained further learning (by level of learning destination) between 2018/19 and 2022/23 in i) England, ii) Dorset and iii) the South West are shown in the following tables:
The department does not publish data on employment outcomes for learners progressing to other lower-level learning from foundation courses, but it does publish sustained employment outcome rates for learners achieving at Below Level 2 and in Essential Skills between 2018/19 and 2022/23 in England, as shown in the following table: https://explore-education-statistics.service.gov.uk/data-tables/permalink/aa7ce8db-5a14-4898-4a4c-08de398c3998.
These statistics are available in the ‘Further education outcomes’ publication. This answer is based on the latest statistics that were released on 18 December 2025 and can be found here: https://explore-education-statistics.service.gov.uk/find-statistics/further-education-outcomes/2022-23. The next update to this series will be published in November 2026.
Asked by: Edward Morello (Liberal Democrat - West Dorset)
Question to the Department for Education:
To ask the Secretary of State for Education, how many and what proportion of students progress from foundation to other low-level courses in colleges in Dorset.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
Progression rates for further education achievers aged 16+ at Below Level 2 and Essential Skills into sustained further learning (by level of learning destination) between 2018/19 and 2022/23 in i) England, ii) Dorset and iii) the South West are shown in the following tables:
The department does not publish data on employment outcomes for learners progressing to other lower-level learning from foundation courses, but it does publish sustained employment outcome rates for learners achieving at Below Level 2 and in Essential Skills between 2018/19 and 2022/23 in England, as shown in the following table: https://explore-education-statistics.service.gov.uk/data-tables/permalink/aa7ce8db-5a14-4898-4a4c-08de398c3998.
These statistics are available in the ‘Further education outcomes’ publication. This answer is based on the latest statistics that were released on 18 December 2025 and can be found here: https://explore-education-statistics.service.gov.uk/find-statistics/further-education-outcomes/2022-23. The next update to this series will be published in November 2026.
Asked by: Munira Wilson (Liberal Democrat - Twickenham)
Question to the Department for Education:
To ask the Secretary of State for Education, how many pupils are currently studying GCSE choices not compatible with the new Progress 8 framework.
Answered by Georgia Gould - Minister of State (Education)
The government is proposing improvements to the Progress 8 model that balance a strong academic core with breadth and student choice, reflecting the importance of a curriculum that supports high standards. Pupils currently studying GCSE courses have selected options under the existing Progress 8 model which influences behaviour and the options that schools make available to their pupils.
The government will consult on the proposed Progress 8 model in due course and expects to include further information on likely impact. Schools will have time to take the revised measure into account when determining subject choices for pupils who will start their GCSEs in September 2027.
Asked by: Rupert Lowe (Independent - Great Yarmouth)
Question to the Department for Education:
To ask the Secretary of State for Education, what discussions she has had with the student local company on levels of interest applied to student loans; and whether she has made an assessment of the potential impact of those levels on graduates’ disposable income and long-term repayment outcomes.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
Interest rates are set in legislation in reference to the Retail Price Index and applied annually from 1 September. The Student Loans Company applies interest accordingly. Student loans are subject to interest so that those who can afford to do so contribute to the full cost of their degree.
Interest rates on student loans do not affect monthly repayments made by borrowers. Regular repayments are based on a fixed percentage of earnings above the applicable student loan repayment threshold. Any outstanding debt, including interest built up, is written off after the loan term ends (or in case of death or disability) at no detriment to the borrower.
A full equality impact assessment of how the student loan reforms may affect graduates, including detail on changes to average lifetime repayments under Plan 5, was produced and published under the previous government in February 2022 and can be found here: https://www.gov.uk/government/publications/higher-education-reform-equality-impact-assessment.