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: 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: Luke Evans (Conservative - Hinckley and Bosworth)
Question to the Department for Education:
To ask the Secretary of State for Education, if she will undertake a review of student and graduate opinion about the retrospective nature of changes to Part 2 student loan repayments and the freezing of interest thresholds.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
We inherited a Plan 2 loan system that was devised and implemented by the previous government, and there have not been retrospective changes to repayments. Students sign the terms and conditions of the student loan plan type available at the time of their studies before any money is paid to them. Student loan terms and conditions make clear that the conditions of the loan may change in line with the regulations that govern the loans.
There has also been no freezing of interest rate threshold. Interest accrues on loan balances at a rate of Retail Price Index (RPI) to RPI+3% until the loan has been repaid in full or is cancelled. Borrowers on Plan 2 terms have interest applied at RPI only if earnings fall below the repayment threshold and interest rates do not impact monthly repayments made by borrowers.
If a borrower becomes disabled and permanently unfit for work, loan balances, including interest, may be written off. For all borrowers, any outstanding loan, including interest accrued, will be cancelled after the loan term ends, and debt is never passed on to family members or descendants.
Asked by: Sarah Russell (Labour - Congleton)
Question to the Department for Education:
To ask the Secretary of State for Education, what estimate she has made on the number of people with a Plan 3 student loan in England and Wales; and what is the total value of those loans.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The number of England‑domiciled borrowers with a Plan 3 student loan was 603,000, rounded to the nearest thousand, and the total value of those loans was £6.521 billion, rounded to the nearest million, as of 31 March 2025.
Education is a devolved matter, and the Welsh Government is responsible for providing equivalent figures for borrowers in Wales.
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: 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.
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: James McMurdock (Independent - South Basildon and East Thurrock)
Question to the Department for Education:
To ask the Secretary of State for Education, what proportion of graduates who were not in high-skilled roles 15 months after graduation remain outside high-skilled employment a) three years later and b) five years later.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The department does not produce estimates of the proportion of graduates in high-skilled roles at three or five years after graduation.
Graduate Outcome survey data published by HESA shows that around 70% of UK domiciled students who graduated with an undergraduate degree from a UK higher education provider during the 2022/23 academic year were in high-skilled employment fifteen months after graduation. This survey data does not track graduates beyond fifteen months to outline details of graduate employment three or five years later.
While the department uses Longitudinal Educational Outcomes data to track graduate earning and employment outcomes at three and five years after graduation, this data does not include graduate occupation. The latest Graduate Outcomes survey data was published in July 2025 and can be found at: https://www.hesa.ac.uk/data-and-analysis/sb272/figure-12.