Education

Understanding Student Loan Mechanisms and Forgiveness Timelines

In England and Wales, the rise in tuition fees is expected to result in students accumulating higher levels of debt by the time they complete their studies.

According to Chancellor Rachel Reeves, the current student loans system is deemed "fair and reasonable," despite facing criticism over last year's decision to freeze repayment thresholds for certain borrowers.

Two students talk to each other while holding up pens and paper in a university seminar, with a lecturer and other students in the background slightly out of focus.

Martin Lewis, a personal finance expert, has weighed in on the debate surrounding student loan repayments, particularly for those with Plan 2 loans, stating that the government's actions were not motivated by moral considerations.

The composition of student loans varies depending on the region within the UK, but they typically consist of several key components.

Generally, students are eligible for a tuition fee loan equivalent to the annual cost of their course, with current levels differing across the UK.

A separate loan, known as the maintenance loan, is intended to help students cover living expenses such as accommodation, food, and course materials.

The amount of maintenance loan awarded is means-tested, taking into account the student's family household income, with additional support available for students with disabilities or dependents.

Students under 25 who are estranged from their parents may be eligible to apply as independent students, allowing them to bypass consideration of their parents' financial situation.

Research published by the Higher Education Policy Institute in May 2024 found that maintenance loans in England often cover only about half of the living costs, with students in London facing even greater shortfalls.

The level of maintenance support available varies across different regions of the UK.

For the 2025-26 academic year, undergraduate students in England and Wales will be eligible to borrow more for living expenses than in previous years.

For example, students from England living away from home outside of London can now borrow up to £10,544, an increase from the previous limit of £10,227.

The government has announced plans to reintroduce maintenance grants of up to £1,000 per year for students from lower-income households in England, starting from 2028, as part of its Industrial Strategy.

Students from Wales studying away from home can borrow up to £11,345, an increase from the previous limit of £11,150.

Welsh students may also be eligible for maintenance grants, which do not need to be repaid.

In Scotland, the maximum annual maintenance loan is £9,400 for students under 25, with additional bursaries and grants available.

Students from Northern Ireland studying away from home can borrow up to £8,132, or £11,391 if they are studying in London.

From 2026, both tuition fees and maintenance loans are expected to increase annually in line with the Retail Price Index minus the interest on mortgage payments, or RPIx.

Based on the October 2025 rate, this would result in a tuition fee increase of approximately £400 per year, bringing the total to over £9,900.

The government has stated that only universities demonstrating strong student outcomes will be allowed to charge the maximum tuition fee in England.

Universities that fail to meet the quality threshold set by the Office for Students, the regulator in England, may face restrictions on student recruitment.

Tuition fees are paid directly to the university or education provider.

Maintenance loans, on the other hand, are paid directly into the student's bank account in instalments.

The payment schedule varies across the UK, with students in England, Wales, and Northern Ireland receiving payments at the start of each term, while those in Scotland receive monthly payments.

To receive payments, students must register with their university or college, usually during the first week of their course, and may need to provide their student finance entitlement letter.

In England, students can expect to receive a text from the Student Loans Company a few days before their maintenance loan is disbursed.

Students can apply for funding up to nine months after the start of their academic year.

The application process varies depending on the region, with students required to apply through specific channels.

Interest is charged on the loan from the date it is taken out, with the rate varying across the UK.

Two female university students chat in a student dorm room. One sits on the bed flicking through notes inside a blue ring binder, while the other is typing on a laptop resting on her lap.

It is essential for students to understand that the terms and conditions of their loan, including repayments, can change after the loan has been borrowed.

Any future interest rate increases will apply to all existing student loans, not just new applications.

For students in England, the interest rate is typically set at the retail price index (RPI) measure of inflation, with the rate usually updated in September and subject to change throughout the year.

The current interest rate for students who started university in 2023 or later is 4.3%.

Interest rates for students in other parts of the UK are as follows.

The amount that graduates repay depends on their earnings.

A single payment covers both tuition fees and maintenance loans.

However, repayment does not begin until the graduate earns above a certain threshold.

Generally, graduates repay 9% of the amount they earn above this threshold.

For students in England who started university in 2023 or later, the threshold is £25,000.

The thresholds for students in Wales, Scotland, and Northern Ireland are £28,470, £32,745, and £26,065, respectively.

Repayment does not commence until the April after the student completes their course.

The tax system facilitates automatic payments for loan repayments.

Certain individuals opt to make additional payments to settle part or all of their loan ahead of schedule, and this can be done without incurring any penalties.

There have been instances where graduates have experienced incorrect deductions from their salaries.

Examples of these errors include deductions made prior to the April threshold for liability or after the loan had been fully repaid.

Other mistakes may occur when an employer assigns the wrong repayment plan to an employee, or when earnings surpass the monthly threshold due to extra work or bonuses, even if the annual limit remains unexceeded.

It is possible for these incorrect deductions to be reimbursed.

During the 2023/24 tax year, a total of £61m was reimbursed to 216,300 customers, with an average refund amount of £280.

The Student Loans Company launched a digital refund platform in May 2024, which saw over 400,000 users within the first six months.

The SLC website provides a facility for individuals to check their eligibility for a refund.

However, any voluntary overpayments made by borrowers are non-refundable.

For students in England commencing university in 2025, their loans will be cancelled after a 40-year period, regardless of any outstanding balance.

In contrast, students in Wales and Scotland will have their loans written off after 30 years, while those in Northern Ireland will have theirs cancelled after 25 years.

Individuals who withdraw from their course early are still required to repay their student loan.

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Education

National Student Pride Event to Cease After 21-Year Run

According to the organisers, a decline in sponsorship over the past few years has led to the decision to hold the final event this weekend.

A long-running annual event in London, designed to connect LGBTQ+ students with potential employers and provide networking opportunities, is coming to an end after 21 years due to a significant decline in corporate support.

A busy room can be seen with a career fair taking place. Students can be seen talking to businesses at each stand — The yearly festival includes a large careers fair, with influential speakers taking to the stage throughout

According to National Student Pride, a non-profit organization founded in 2005, its revenue has plummeted by approximately two-thirds over the past two years, primarily due to widespread reductions in corporate Diversity, Equity, and Inclusion (DEI) budgets.

The organization also attributed the decline in sponsors to its newly introduced "ethical sponsorship" policy, which led to the departure of certain sponsors due to their connections to the fossil fuel industry and Israel, following protests from LGBTQ+ groups.

The number of sponsors for the event has drastically decreased, from 24 in 2024 to just eight this year.

Tom Guy, one of the organization's original founders and current trustees, recalled that National Student Pride was established in response to a controversial talk at Oxford Brookes University, which was hosted by the university's Christian Union and sparked outrage due to its homophobic content.

Sir Ian McKellen sits in an armchair opposite broadcaster Evan Davis, and speaks to the crowd — Sir Ian McKellen, interviewed by Evan Davis, are some of the speakers who have been part of the event over the years

Guy explained that the organization's initial response was to create a positive and constructive alternative, focusing on promoting inclusivity and acceptance.

The first event featured a panel discussion that intentionally brought together individuals from diverse backgrounds, including a vicar and a rabbi, to demonstrate that faith and LGBTQ+ identity are not mutually exclusive.

According to Guy, this founding principle of promoting openness and dialogue has guided National Student Pride's activities over the past 21 years.

Despite its growth into the UK's largest LGBTQ+ student event, Guy emphasized that the organization's continued operation relies heavily on corporate sponsorship, which is no longer a viable option.

In an interview with the BBC, Guy suggested that international politics may also be a contributing factor to the decline in corporate sponsorship, as companies reduce or eliminate their DEI budgets.

An aerial view inside Heaven Nightclub, where people can be seen dancing — The annual event also hosts evening parties in nearby venues, like Heaven nightclub

It was reported last year that US embassies in Europe had sent letters to EU-based corporations, instructing them to comply with the Trump administration's policies prohibiting DEI programming.

In response, law firm Clifford Chance advised companies to review their existing programs and prepare to demonstrate compliance with US civil rights laws and regulations.

Guy noted that not only have sponsors withdrawn their support, but fewer employers are also willing to participate in the event's career fair, which is a crucial component of the festival and a primary source of revenue.

The number of companies interested in participating in the careers event has decreased significantly, from 53 in 2024 to just 20 this year.

Guy observed that LGBTQ+ initiatives appear to be losing priority among corporations amidst the current geopolitical uncertainty and economic instability.

Although the event will be coming to an end, organizers confirmed that this year's festival, scheduled to take place at the University of Westminster, will still proceed as planned.

The event will conclude with a "Dragstravaganza finale" featuring guests Amanda and Jessie from The Traitors.

Education

Students Find Relief from Stress by Leaving Phones Behind During School Hours

Alderbrook School in Solihull has introduced a policy prohibiting smartphones, with certain students expressing support for the measure.

In response to growing pressure on the government to address the issue, a secondary school has implemented stricter rules governing students' access to smartphones.

Youssef stands in the school grounds, wearing his uniform which is a purple blazer and tie and a white shirt. He has brown hair and brown eyes and wears glasses and is smiling at the camera. — Year 8 student Youssef, says he is on his phone a lot less since handing it in at school

At Alderbrook School in Solihull, pupils in Years 7 and 8 are now required to store their devices in lockers at the start of the day, following a voluntary pilot program that began last year.

According to Head Teacher Tom Beveridge, the new policy has led to a decrease in online bullying incidents and improved student focus in class, as evidenced by anecdotal reports.

Beveridge is among the advocates calling for a nationwide ban on smartphones in schools and social media for individuals under 16, an issue currently being considered by the government as part of a UK-wide consultation.

Many students at Alderbrook are already experiencing the benefits of limited device access.

Year 8 student Youssef noted that securing his phone in a locker has alleviated concerns about potential theft, significantly reducing his stress levels.

Megan, a Year 7 student, reported a substantial decrease in screen time, from two hours daily to just 16 minutes, since participating in the phone storage program.

She added that this experience has also led to a decrease in her attachment to her device at home, as she no longer feels the need to constantly check it.

While the phone storage initiative has had a significant impact, its implementation does require a notable allocation of time during the school day.

Headteacher Tom Beveridge stands in front of Alderbrook School, a modern purple and white building can be see behind him. He is wearing a blue suit, white shirt and yellow tie. — Head teacher Tom Beveridge said since introducing the scheme a third of Year 7 and 8 students were choosing not to bring their phones into school at all

Each morning, students from Years 7 and 8 must queue to deposit their devices into secure storage lockers before classes commence.

A team of teachers oversees the lockers, ensuring they are safely stored until the end of the day, when the phones are returned to the students.

This process is one of the reasons Beveridge believes a government-mandated ban on smartphones in schools would be beneficial.

He stated that such a ban would "free up a huge amount of time" currently spent on implementing and enforcing phone policies, allowing school leaders to focus on other priorities.

Following an update to guidance by Education Secretary Bridget Phillipson in January, which recommended that schools maintain a phone-free environment, momentum has been building in support of a ban, with the House of Lords recently backing the measure.

In addition to the restrictions on younger pupils, Alderbrook has also prohibited sixth-formers from using their smartphones during independent study periods.

Year 13 student Jasmine has blonde hair and brown eyes. She wears a black blazer and white shirt and is smiling. She is standing in the sixth form corridor with some of the common rooms behind her. — Year 13 student Jasmine, said she supports a phone ban in schools because it results in students interacting and getting to know each other better

This decision was made after school administrators observed that many students were spending their study time scrolling through social media instead of focusing on their work.

According to Beveridge, removing this distraction has resulted in a more focused learning environment.

Year 13 student Breshna reported that, prior to the ban, she felt a constant urge to check her phone, but is now better able to concentrate on her A-Level studies.

Another sixth-form student, Jasmine, noted that the absence of phones has facilitated the development of stronger friendships among her peers.

While many students support the idea of a phone ban in schools, opinions are divided on the proposal for an Australian-style social media ban for under-16s.

Year 11 student Jamila stands in front of a multi-coloured mural. She has a headscarf on and wears the school's purple blazer over a white shirt. She has brown eyes and is smiling. — Year 11 pupil Jamila is among a number of students at the school trying out the app NOMO on her phone at home. It rewards those who reduce their screen time

Some students, such as Year 11 pupil Emilie, believe that social media can have positive effects when used responsibly, providing a means of self-expression and communication.

Jamila, another Year 11 student, suggested that implementing restrictions rather than a complete ban might be a more effective approach, as prohibitions can sometimes have unintended consequences.

As the government considers its next steps, Beveridge plans to maintain a strict stance on phone use within the school.

Beginning in September, Year 7 students will no longer be permitted to bring smartphones to school.

Beveridge announced that, going forward, any phones allowed in school will be limited to basic "brick" phones, with this policy set to be phased in across the school over the next few years.

Education

Schools advised to inform most parents if children express gender identity doubts

Educational administrators have expressed appreciation for the increased clarity provided on addressing a highly divisive matter that affects both students and parents.

New government guidelines for schools in England emphasize the importance of parental involvement in cases where a child is questioning their gender identity, stating that parents should be included in the "vast majority" of such situations.

A parent kneels in a modern kitchen, holding and comforting a school‑aged child who is wearing a uniform and a large backpack, as they share a close and supportive moment.

The guidelines, which are legally binding for all schools in England, also clarify that single-sex facilities, including toilets, changing rooms, and sports teams, will remain protected, with no exceptions allowed.

However, schools are given some flexibility in addressing issues related to students' names and uniforms, allowing for a more nuanced approach to these matters.

Dr. Hilary Cass, the author of the influential Cass Review, has expressed support for the new guidelines, describing them as "a significant step forward" in addressing the needs of students and schools.

The Cass Review, published in 2024, was commissioned by NHS England in response to a surge in referrals for individuals questioning their gender identity, and its findings have informed the development of the new guidelines.

The review highlighted the limited evidence available on medical interventions for gender care, noting that the current research is "remarkably weak" and that more studies are needed to inform best practices.

Dr. Cass has praised the new guidelines for providing "practical and clear guidance" that reflects the recommendations of her review, enabling schools to support students with confidence and clarity.

A key aspect of the guidelines is the distinction they make between a student's wishes and their best interests, recognizing that these may not always align.

Schools are advised to exercise caution when considering social transition steps, such as changing a student's name or pronouns, and to consider the broader context and potential need for additional support.

The guidelines also acknowledge that while some students may explore different gender identities, the majority do not go on to fully transition as adults, and that this should be taken into account when supporting students.

For primary schools, the guidelines suggest that full social transitions will be rare, and that a more measured approach is typically more appropriate.

According to Dr. Cass, the guidelines convey a clear message that proceeding with social transition will be the exception rather than the rule, and that a more cautious approach is often warranted.

Dr. Cass has emphasized the importance of maintaining open communication between parents and students, noting that secrets can be detrimental to a child's well-being and that parental involvement is crucial.

Education Secretary Bridget Phillipson has welcomed the new guidelines, stating that they will provide "practical support" for teachers, reassurance for parents, and prioritize the safety and well-being of students.

The guidelines do not alter the existing admissions code for single-sex schools, which currently allows them to admit students based on their biological sex.

The updated guidance is part of a broader effort to keep students safe, and includes new advice on supporting students who are questioning their gender identity.

This update was first promised in 2018, but its release has been delayed until now, leaving head teachers to navigate this complex issue without clear guidance.

The delay has resulted in head teachers seeking external advice and implementing their own measures, such as introducing gender-neutral facilities, to address the needs of their students.

Some schools have also sought legal advice to ensure they are meeting their obligations and providing appropriate support for students.

The updated guidelines have been widely welcomed by head teachers' unions, who have expressed relief that clear guidance is now available.

Pepe Di'Iasio, general secretary of the Association of School and College Leaders, has praised schools for their efforts in addressing this issue despite the challenges posed by a "polarized public debate".

Paul Whiteman, general secretary of the National Association of Head Teachers, has noted that the guidelines will provide much-needed clarity on how schools can support students and manage this sensitive issue.

The previous government had released draft guidance in December 2023, which took a more restrictive approach to certain issues, including the use of alternative pronouns in primary schools.

However, the consultation on this draft guidance was interrupted by the general election in May 2024, which led to a change in government and a revised approach to the issue.

A new consultation on the updated guidance will be held over the next 10 weeks, providing an opportunity for stakeholders to provide feedback and input on the new guidelines.