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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

    Claire Crawford
    Claire Crawford

    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.

    Wenchao Jin
    Wenchao (Michelle) Jin

    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: 15 July 2025).

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