Downloads
r93.pdf
PDF | 661.06 KB
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: 13 January 2025).
More from IFS
Understand this issue
Is Labour's inheritance really worse than expected?
30 July 2024
It’s time to be honest about the funding of social care
16 September 2024
Why are universities in financial trouble?
21 August 2024
Policy analysis
Repayments by lifetime earnings decile under the system applying for the 2022 university entry cohort
The lowest-earning 10% of graduates repay around 1.1% of their lifetime earnings, while the highest-earning 10% of graduates repay around 1.2%.
10 January 2025
Comparing the systems applying for the 2022 and 2024 university entry cohorts
Under the new system, student loans will become cheaper for high-earning graduates and more expensive for those with lower earnings.
10 January 2025
Total real-terms spending on free entitlement hours in England
Total spending on the free entitlement doubled during the 2000s, and then more than doubled again during the 2010s.
10 January 2025
Academic research
Changes in marital sorting: theory and evidence from the US
Measuring how assortative matching differs between two economies is difficult, we show how the use of different measures can create different outcomes
27 November 2024
The effects of youth clubs on education and crime
Using quasi-experimental variation from austerity-related cuts, I provide the first causal estimates of youth clubs' effects on education and crime.
12 November 2024
Schooled by trade? Retraining and import competition
We study the interaction of retraining and international trade in Germany, a highly open economy with extensive state-subsidized retraining programs.
28 October 2024