Student Loan Repayment Plans

Debate between Jas Athwal and Olly Glover

Wednesday 25th February 2026 Westminster Hall

[Jas Athwal (Ilford South) (Lab)]

I beg to move,

That this House has considered student loan repayment plans.

It is a pleasure to serve under your chairship, Ms Lewell. Students across the country have been protesting the unfairness of the student loan system—a system that millions of young people believe is rigged against them and in urgent need of reform. On that I suspect there will be broad agreement—at least I hope so. But this system did not appear by accident. It was designed in 2012, expanded thereafter and defended for over a decade by people who now criticise it.

[Olly Glover (Didcot and Wantage) (LD)]

I was not intending to intervene, but I am afraid what the hon. Member said is not correct. Tuition fees were first introduced by the Conservative Government in the early 1990s and then by the Labour Government in 1998, with top-up fees in 2004. Will he accept that and then proceed?

[Jas Athwal]

I will expand on this as I go on, because I think everybody is involved, and I shall distribute responsibility fairly across the board.

Since 2012, around 5.8 million people have taken out plan 2 loans. They were told that university was the gateway to opportunity, that it would pay for itself and that repayments would be manageable. Instead, many now feel that they signed up at 18 years of age with no financial advice and no lived experience to a 30-year financial commitment where the rules can be changed unilaterally, arbitrarily and without consultation.

Proportional Representation: General Elections

Debate between Jas Athwal and Olly Glover

Thursday 30th January 2025 Commons Chamber

[Jas Athwal]

I think it is about being pragmatic in our response, being pragmatic with our residents, and making the right decisions.

[Olly Glover (Didcot and Wantage) (LD)]

Will the hon. Gentleman give way?

[Jas Athwal]

I will made some headway, because I can see the clock ticking.

Another key weakness of PR systems is that they almost inevitably create coalition Governments. We know what happens there. No one votes for coalition Governments. Instead, they are created by agreements hammered out in dark rooms, behind closed doors—they are Frankenstein Governments, which undermine the popular vote. When voters cannot predict the consequences of their votes, coalitions circumvent the will of the people, and when creating an effective Opposition becomes an impossibility, democracies fail. Colleagues should be careful what they wish for: they may get a better vote share and better representation, but they may not get better outcomes, which is what is important to our constituents.

It is our duty in this place to protect the democratic process. It is also our duty to effectively govern to the best of our ability, deliver the promises of our manifesto and create the change that our constituents voted for. PR systems create unstable Governments with weak foundations and constant compromise.

We are all too aware of the consequences of Government instability and the impact that can have on people’s lives—promises broken, legislation delayed, injustice prolonged. Look at our neighbours in Europe. In Belgium, the federal elections in 2019 paralysed their political system, leading to more than 500 days of deliberation, compromise and bartering before they finally formed a Government. It took almost two years of debate before a seven-party coalition was created—a coalition nobody voted for. The role of government is to change people’s lives, to legislate and to act. Instead, PR systems grind Governments to a halt. Contrast that with the first 100 days of this Government, though hon. Members sitting on the other side of the Chamber may not like the decisions made.

Effective democratic systems ensure accountability and enable delivery. On those two tests, PR systems fail.