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This report updates and extends the previous IFS work to examine the consequences of these changes for graduates. In particular, we use a new model of graduate earnings and repayments and explore in more detail the pattern and size of loan repayments made, including by different types of graduates.
Authors

Research Fellow University College London
Claire is a Research Fellow at IFS, working on the determinants and consequences of participation in childcare and education for parents and children.

Research Associate
Wenchao is an Assistant Professor at the University of Sussex and an IFS Research Associate.
Report details
- DOI
- 10.1920/re.ifs.2014.0093
- ISBN
- 978-1-909463-37-0
- Publisher
- Institute for Fiscal Studies
Suggested citation
Crawford, C and Jin, W. (2014). Payback time? Student debt and loan repayments: what will the 2012 reforms mean for graduates?. London: Institute for Fiscal Studies. Available at: https://ifs.org.uk/publications/payback-time-student-debt-and-loan-repayments-what-will-2012-reforms-mean-graduates (accessed: 19 April 2025).
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