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 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 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 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: Rupert Lowe (Independent - Great Yarmouth)
Question to the Home Office:
To ask the Secretary of State for the Home Department, when she first became aware of the existence of the total absconder pool dataset.
Answered by Alex Norris - Minister of State (Home Office)
The Secretary of State for the Home Department has no plans to commission an independent review into the Department's handling, recording, and disclosure of absconder data. The Department already undertakes:
The Department remains committed to maintaining robust and transparent processes, ensuring compliance with all relevant standards and obligations. It is also dedicated to continuous improvement and will review and strengthen its procedures whenever necessary.
The Government attaches great importance to the effective and timely handling of Written Parliamentary Questions. Departmental performance on Written Parliamentary Questions is published at the end of each session by the Procedure Committee and is therefore publicly available.
All Parliamentary Questions are reviewed and cleared by Ministers prior to publication including those referring to absconders.
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 assessment she has made of the reliability of income data used by the Student Loans Company.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
The Student Loans Company (SLC) uses income data provided by HMRC, which is an effective way to ensure that repayments are linked directly to earnings for borrowers resident in the UK. Employers and self-employed borrowers provide income and student loan information to HMRC alongside tax reporting. HMRC then report this to the SLC.
The amount that borrowers are required to repay is calculated on the basis of income subject to National Insurance contributions (for UK-resident PAYE borrowers) or income subject to tax (for borrowers in Self-Assessment).
Borrowers residing overseas for more than three months, whether permanently or temporarily, are required to repay directly to the SLC, as they are outside the UK tax system. Borrowers must complete a yearly Overseas Income Assessment Form, including evidence of earnings (such as payslips or bank statements) or other income. The SLC then establishes a 12-month repayment schedule based on the borrower’s projected gross annual salary.
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.
Asked by: Rupert Lowe (Independent - Great Yarmouth)
Question to the Home Office:
To ask the Secretary of State for the Home Department, how many individuals assessed as posing a national security risk have absconded from immigration control in each of the last five years.
Answered by Alex Norris - Minister of State (Home Office)
The first priority of Government is protecting our national security and the safety of our people. As a matter of longstanding Government policy, we do not comment on the detail of national security and intelligence matters.
Asked by: Rupert Lowe (Independent - Great Yarmouth)
Question to the Department for Environment, Food and Rural Affairs:
To ask the Secretary of State for Environment, Food and Rural Affairs, what (a) coastal modelling, (b) geomorphical studies and (c) monitoring programmes the Environment Agency has commissioned in relation to Hemsby since 2020.
Answered by Emma Hardy - Parliamentary Under-Secretary (Department for Environment, Food and Rural Affairs)
The Environment Agency was a partner in the development and publication of the Shoreline Management Plan for northeast Norfolk: Kelling Hard to Lowestoft SMP6 | Shoreline Management Plans. In 2018/19, the Environment Agency worked with the Anglian Regional Flood and Coastal Committee to provide local levy funding to Great Yarmouth Borough Council to undertake a high-level study of options for the Hemsby coastal erosion issues. The Environment Agency’s Anglian Coastal Monitoring Programme (ACMP) undertakes detailed coastal monitoring of the coastline which began in 1991. The ACMP team works closely with Risk Management Authorities, including Great Yarmouth Borough Council staff, to refine monitoring to meet their local needs.
In January 2025 the Environment Agency published an update to the National Coastal Erosion Risk Mapping online. The new mapping includes data from the National Coastal Monitoring Programme (NCMP), which includes coastal assets, beach profiles, bathymetry, aerial photography, LiDAR and coastal habitats. All coastal monitoring data, reports and analysis are available as open data on the coastal monitoring website ( Programmes - Welcome).