Posts Tagged ‘student loans’

Grants Not Debt – 2016

Sunday, January 19th, 2025

Grants Not Debt Protest Blocks Bridge: The previous week a parliamentary committee had scrapped the means-tested maintenance grants for for students and on Tuesday 19th January 2016 the National Campaign Against Fees and Cuts (NCAFC) organised a rally and protest to support that day’s Labour party debate against the action and the government’s flagrant denial of democratic process.

Grants Not Debt

Student maintenance grants to cover living costs were brought in in 1962, nicely in time for me to go to university the following year. Before that students from poorer homes had been reliant on awards by their counties, some more generous than others. UK students then paid no fees for their courses, and though New Labour abolished the grants in 1999 they brought them back in 2006 when they brought in higher course fees.

Grants Not Debt
David Bowie’s lyrics from ‘Changes’: ‘And these children that you spat on As they try to change their worlds Are immune to your consultations, They’re quite aware of what they’re going through’

In his 2015 budget, Tory Chancellor George Osborne had announced the intention to abolish grants and replace them with increased maintenance loans.

Grants Not Debt Clive Lewis
Clive Lewis MP

But the change was only actually brought in by a committee vote under the Education (Student Support) (Amendment) Regulations 2015. The Third Delegated Legislation Committee approved the changes for students beginning their courses in the 2016/17 academic year on Thursday 14 January 2016 by ten votes to eight.

Grants Not Debt

The amount of money students would be eligible to receive would not be changed (it would actually increase by inflation) but it would very nearly double the amount of debt for students from the poorest homes who had qualified for the full grant who would now end a three year course owing around £35,000 extra. Of course these amounts have greatly increased since 2016.

Grants Not Debt

Students living in London – as many of those at this protest were – would in 2025/6 be eligible for a maintenance loan of £13,762 in their first year – and a total well over £40,000 for their 3 year course. With the cost of tuition fees this would bring their total student loan up to around £70,000.

The rally began in Parliament Square and there were a number of speeches including from Labour Shadow Minister in Department of Energy and Climate Change Clive Lewis MP and Shelly Asquith the NUS Vice President (Welfare).

At the end of her speech the students decided it was time to take some action and began to march past the Houses of Parliament onto Westminster Bridge. Some had brought a banner ‘NO GRANTS = NO BRIDGE’.

On the bridge many of them sat down while others remained standing with their banners and traffic was blocked. A police officer tried to persuade Shelly Asquith to get the protesters to move but she ignored him and the protest continued.

Eventually the police managed to clear the north-bound carriage way but the protest continued to block traffic going south.

After an hour or so the protest appeared to be dying down, with some students leaving and although the protest was still continuing I decided to go too.

Many more pictures on My London Diary.


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Students march for free education – 2017

Friday, November 15th, 2024

Students march for free education: Several thousand students marched from Malet Street to Parliament on Wednesday 15th November 2017 calling for an end to all tuition fees, for living grants for all and an end to all government cuts.

Students march for free education - 2017

Around 60% of 18 year-olds now continue their education in either universities or FE colleges, with just under 40% at university – though rather more women than men. This figure has increased massively since the 1960s when only around 4% of us went to university.

Students march for free education - 2017

But back then we paid no fees and there were means-tested maintenance grants which gave those of us whose parents were on low incomes enough to live on during term-time though parents who could afford it were expected to make a contribution.

Students march for free education - 2017

Many of us needed to find jobs in the long Summer Vacation or over Christmas when many students were needed by the Post Office to deal with the huge volume of Christmas cards, but universities generally prohibited working in term-time – and those students that needed to because their parents didn’t cough up with their contribution had to keep their work a secret.

Students march for free education - 2017

My full grant was I think £300 a year which had to cover rent, meals, travel, books etc over the 30 weeks at university – equivalent, allowing for inflation to around £5,300 now, though I think it would be impossible to survive on that now. The maximum student loan for living expenses for 2024/5 for those living apart from their parents is now £10,227 – or £13,348 for those in London.

Students now also have to pay tuition fees for which they can also get loans up to the full amount – currently £9,250 but with a recently announced increase to £9,535 for the 2025-26 academic year.

So for a normal 3 year degree course those taking out the full loans possible will end up owing around £60,000. I ended my course with a degree and around £7 in the bank.

Of course student loans are not like other loans, and students only start repayment when there income exceeds a certain threshold – currently around £25,000, though this depends on when students took out their loan. And after 30 or 40 years (again depending on this) any remaining loan is wiped out. But still the amounts are daunting.

Because these are loans, the government is still essentially paying out the cost of tuition and maintenance for current students. But they hope eventually to get some of the money back – again the forecast of how depends on the scheme in place when students took out their loan.

I’ve been unable to find a figure for the amount of repayment the student loans company is currently receiving, but I think it is fairly low compared with the amount they are giving out in new loans. The total debt owed is expected to rise to around £25 billion.

With this background its perhaps not surprising that students now – and in 2017 when I took the pictures here that students are angry about the cost of their education and that several thousands took part in the student march organised by the National Campaign Against Fees and Cuts despite it not being supported by the National Union of Students.

But this was not their only concern. They also marched to condemn the increasing marketisation of the education system that is resulting in cuts across university campuses and a dramatic reduction in further education provision across the country. They also say that the Teaching Excellence Framework which was supposed to ‘drive up standards in teaching’ has instead intensified the exploitation and casualisation of university staff as a part of the marketisation agenda.

Many more pictures at Students march for free education,


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Students March for Free Education – 2015

Monday, November 4th, 2024

Students March for Free Education. On Wednesday 4th November 2015 students, led by the National Campaign Against Fees and Cuts (NCAFC) marched through central London against the abolition of maintenance grants calling for free education without fees and huge student debts and an end to turning higher education into a market system impoverishing staff and students.

Students March for Free Education - 2015

Back in the distant past when I was a student, UK students paid no tuition fees at UK universities and I got a grant of around £300 a year which was then just about enough to pay my living expenses, at least for the three terms I was away from each year, paid by my local authority.

Students March for Free Education - 2015

Because my family income was low, I got a full grant, while some of my friends from wealthier families got lower grants and had to rely on their parents to give them a ‘parental contribution’ – and not all did, though some others were more than generous.

Students March for Free Education - 2015

More recently, my two sons also benefited from maintenance grants and no fees, my younger son just squeezing into the final year before student fees came in. By then my salary as a teacher – our sole household income at the time – meant we were assessed to make a small parental contribution to his maintenance.

Students March for Free Education - 2015

Since then things have got a lot tougher for students, with loans for both tuition fees and their living expenses. New Labour brought in tuition fees in 1998, means-tested at £1000 per year, then tightened the screw in 2004 when they tripled to £3000 and poorer families now had to pay the full amount.

In 2012 the Tory-led coalition tripled the fee yet again, setting a maximum of £9000 – and I think all universities charged more or less that maximum. Currently they are frozen after being rasied to £9250 in 2017, but are expected to rise with inflation from 2025 if no further changes are made. For a few years in opposition Labour promised to remove tuition fees, but that promise seems to have been quickly forgotten after Starmer became leader.

It was Thatcher who first introduced student loans for maintenance but these were in addition to maintenance grants for those who did not get full grants. It was again New Labour in 1998 that abolished maintenance grants for all but the poorest students – and these went in 2016.

Student loans have operated under several systems since 1990, with the first major change taking place in 1998 and the next in 2012, when the first Income-Contingent Repayment Plan 1 was introduced. Students this year are on the 5th version of this, with a new version for those starting in 2023.

Martin Lewis summarises the 1923 changes in a clear graphic. Students who started in 2023 pay 9% of their income when they earn over £25,000 a year and keep paying for 40 years after they left university. Inflation-linked interest is added to the amount on loan, typically now around £60,000 for a three-year course.

Most students now also have to supplement their income with part time jobs, as estimates for the income needed to take a full part in three years of university life together with tuition fees come to more than £80,000. It’s a far cry from back when I was at university when students taking paid work during term-time was frowned upon or prohibited by the university authorities.

The 2015 protest formed up at Malet Street outside what had until 2013 been the University of London Union where there were speeched, then marched to Parliament Square . From there it went on the Home Office and Dept of Business, Innovation & Skills and became more chaotic, with a black bloc of students took over and police rather fragmented the march.

You can read about it and see many more pictures – and also of the celebration going on in Parliament Square following the release of the last British resident, Shaker Aamer from Guantanamo on My London Diary.

Free Education – No Barriers, Borders or Business
Students at Home Office and BIS
‘Welcome Home Shaker’ celebration


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All photographs on this page are copyright © Peter Marshall.
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Firefighters and Nurses – 2015

Friday, December 2nd, 2022

Key Workers were protesting in London on Wednesday 2nd December 2015, but their protests were ignored by government and then Tory Mayor of London Boris Johnson. Since then we have seen that the warnings of the protesters were real and the consequences of Tory policies have led to disaster. It’s a failure of our system of government that allows dogmatism and class interests to pursue such irresponsible policies at both local and national level, and one hugely facilitated by a media largely controlled by a handful of billionaires.


Firefighters say cuts endanger London – City Hall, Wednesday 2nd December 2015

Firefighters and Nurses

Firefighters and supporters protested at City Hall against plans to get rid of 13 fire engines and slash 184 firefighters in the London Fire Brigade. These came on top of previous cuts and station closures which have already led to increases in the time taken for firefighters to arrive at fires which have lead to people who would otherwise have been rescued dying in fires.

Firefighters and Nurses
The People of Shoreditch Say… Bozo Don’t take or Fire Engine Away! – Bozo the Clown of County Hall’

Trade unionists and others came to support the firefighters and some spoke at the rally along with speakers from the FBU. It took only a little persuasion to get George Galloway to speak. Members of the London Assembly had put forward an alternative plan to make savings and avoid the loss of the fire engines but these were dismissed by London Mayor Boris Johnson.

Firefighters and Nurses
George Galloway came to show support

One of the consequences of the cuts to London’s fire services came sadly and disastrously with the loss of 72 lives at Grenfell Tower on 14 June 2017. We found then that London simply didn’t have a single fire engine capable of dealing with a fire in the upper floors of the building. Fortunately Surrey, although it has far fewer high rise buildings had kept one which could be called in to help, or the death toll would have been even higher.

Firefighters say cuts endanger London


Save NHS Student Bursaries – Dept of Health, Whitehall, Wednesday 2nd December 2015

George Osborne had decided to scrap NHS student bursaries from 2017. Nurses and other healthcare students have to spend around 50% or their time working in hospitals for the NHS during training and so are largely unable to take on part-time work as many other students do. They only payment they get for this work is through the bursaries.

It seems totally unfair to ask them to take out student loans and work for the NHS for nothing as well. And since many of the jobs they go into are not particularly well-paid, it makes little financial sense as many would probably never fully repay their loans.

Always plenty of money for our arms manufacturers

But what nurses said it would do was to lead to a reduction of students applying for healthcare courses, particularly the many single mothers and more matures students who are enabled to take the courses by the bursaries. And to take this action at a time when there was a critical shortage of medical staff was sheer lunacy.

Of course they were right. The situation in the NHS is even worse now partly due to this axing of bursaries. Of course there are other factors too – including a racist immigration policy which has been made much worse with Brexit. And the continually increasing privatisation taking place.

The NHS has so far suffered various areas of breakdown caused of exacerbated by various government policies – including some under New Labour who promoted disastrous PFI schemes that have brought some hospital trusts to financial ruin. Covid was another savage test and things look set to get far worse in the coming winter months. And given the years of below inflation pay offers its hardly suprising that nurses are now about to strike.

The problems with scrapping the student bursary were so intense that the government was forced to set up a new bursary scheme in 2020. But while the previous scheme had a maximum of £16,454 a year, with a minimum of £10,000, the new scheme was considerably less generous, at a standard £5000, with additions for shortage areas and childcare giving a maximum of £8000.

Save NHS Student Bursaries


Students Protest Fees & Cuts – 24 Nov 2010

Wednesday, November 24th, 2021

It was a Labour government under Tony Blair that first brought in fees for undergraduate and postgraduate certificate students at universities in September 1998. And it had been a Tory government under Harold Macmillan that had exempted UK resident students from tuition fees and given a right to means-tested maintenance grants back in 1962, though previously local authorities had also paid fees and grants for students from low income families. At the same time maintenance grants were replaced with repayable student loans for all but the poorest students.

When they were brought in, the full fees were £1000 a year, but those with family incomes of less than £23,000 – roughly the average salary then – paid nothing, and only those with over £35,000 paid the full fees. £1000 in 1998 is equivalent to around £1800 now allowing for inflation. The Labour government put up the fees to £3000 in 2004, and set up the Browne review of Higher Education funding in 2009, which published its recommendations after they had lost power, but most of which were implemented by the Tory-Lib Dem coalition.

Browne had argued that there should be no cap on University fees, but the government decided on a cap of £9,000 and Browne also was responsible for recommending a system of student loans, although minor changes were made by the coalition government in its implementation. The Government’s spending review had also called for the Educational Maintenance Allowances (EMA), intoduced nationally under Labour in 2004 to be scrapped. This had given allowances to 16-18 year-olds in full time education from a household with an income of less than £30,810 with the full amount of £30 a week only for those whose household income is less than £20,817. It was these changes being introduced and other cuts in education which led to the student protests in 2010.

There have been further cuts since, as well as changes to make the student loan scheme less fair – and there are further changes planned which seem to make the loans considerably less generous. I was fortunate enough to have had all my undergraduate fees and a full maintenance grant paid by my local authority. My two sons also just scraped in before the 1998 changes at the time I was a teacher and the sole wage earner for the family and I think both got more or less a full maintenance grant.

Many countries still manage to provide free higher education for their own nationals and in some cases for foreign students – including Scotland and most of Europe but also many other countries around the world, and it is a right recognised in a number of international conventions. Since the UK is the sixth richest country in the world, it seems rather surprising that our students have to pay, and pay increasingly. It’s hard not to see it as a deliberate attack by the wealthy on the poor.

One of my most published pictures (at the top of this post) from the student protest on Wednesday 24th November shows a group of schoolgirls holding hands around a vandalised police van to protect it from further damage. Police who had harassed the march from the start and stopped it briefly several times had finally stopped it with a large force of police and a line of vans across the end of Parliament St, but, as I commented “had thoughtfully left an old police van as a plaything for the protesters outside the treasury. Perhaps because the tread on its tyres was so worn it would have been a traffic offence to move it – and it looked very unlikely to pass an MOT.” Press and protesters around it were told by march stewards that “it was obviously a plant” but this “didn’t stop a few masked guys attacking it (and I was threatened with having my camera smashed for photographing them doing so)”.

Many of the students were protesting for the first time, and although some protesters pushed through the police line, few of the others followed them. It was hard to understand the police actions at times.

As I was about to leave, riot police decided to charge towards the people between the pavement barriers and the west side of Whitehall, again with what appeared to be some fairly indiscriminate batoning. I was threatened by police and forced to move away from the wall over which I had been leaning rather than be hit. They stopped their charge a few yards down the street.

I commented:


It had been a pretty confused situation, and it seemed to me that neither police nor students came out of it with much credit. The police tactics seemed designed to create public disorder by kettling and a small minority of the students rose to the bait. Although most of the students were out for a peaceful march and rally and to exercise their democratic right to protest, the police seemed to have little interest in upholding that right.

More about the protest and more pictures on My London Diary Students Protest Fees & Cuts.