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The system of higher education finance in England is currently under formal independent review. In this report, we have attempted to highlight some of the trade-offs that would be involved in reforming the current system of fees and loans applying to full-time undergraduate study.

All our analysis is based on simulations of the lifetime earnings of a single cohort of graduates who are projected to enter full-time undergraduate higher education in 2011 and to graduate in 2014 after three years of study, at the age of 22 in their first year after graduation. We assume all eligible students fully take up their entitlement to loans and fees.

    Authors

    Alissa Goodman
    Alissa Goodman

    Research Fellow University College London

    Alissa is an IFS Research Fellow and a Professor of Economics and Director of the Centre for Longitudinal Studies at the UCL Institute of Education.

    Greg Kaplan
    Greg Kaplan

    Research Fellow University of Chicago

    Greg is a Professor at the University of Chicago in the Kenneth C. Griffin Department of Economics and a Research Fellow at the IFS.

    Report details

    DOI
    10.1920/co.ifs.2010.0115
    Publisher
    IFS

    Suggested citation

    Dearden, L et al. (2010). Future arrangements for funding higher education. London: IFS. Available at: https://ifs.org.uk/publications/future-arrangements-funding-higher-education (accessed: 13 July 2025).

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