Question to the Department for Education:

To ask the Secretary of State for Education, pursuant to the Answer of 25 June 2025 to question 57351 on Students: Loans; what assessment her Department has made on the reason for the gender difference in the number of borrowers whose loans have increased despite making regular payments.

The previous government considered gender differences in lifetime repayments, including detail on changes to average lifetime repayments, when introducing Plan 5. The full equality impact assessment was produced and published in February 2022 and can be found here: https://www.gov.uk/government/publications/higher-education-reform-equality-impact-assessment.

Student loans are not like commercial loans and carry significant protections for borrowers. Borrowers will be liable to repay after leaving study only when earning over the relevant student loan repayment threshold.

The system is designed to ensure that those who benefit financially from higher education contribute towards the cost of it. This is why repayments are linked to income and not the loan balance, with regular repayments increasing with borrower income. Those earning below the student loan repayment threshold repay nothing.

Crucially, at the end of the loan term, any outstanding loan balance, 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. This subsidy is a conscious investment in the skills capacity, people and economy of this country.