University has been sold to young people as the gateway to opportunity, yet the cost of that promise has risen dramatically. In England, graduates now leave university with loans averaging £53,000, under a complex repayment system that the current Government is under political pressure to review. Some argue the UK’s student loan model is fair, with repayments linked to income and unpaid balances eventually written off. Critics, however, claim it functions more like a long-term graduate tax, trapping borrowers for decades. So are student loans a scam? Former chancellor Kwasi Kwarteng, parent Paul Wiltshire and graduate Sophie Butcher offer their perspectives.

University has been sold to young people as the gateway to opportunity, yet the cost of that promise has risen dramatically. In England, graduates now leave university with loans averaging £53,000, under a complex repayment system that the current Government is under political pressure to review.

Some argue the UK’s student loan model is fair, with repayments linked to income and unpaid balances eventually written off. Critics, however, claim it functions more like a long-term graduate tax, trapping borrowers for decades.

So are........

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