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24 September 2014
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Last updated: Monday 07 April 2003
Top-up fees: crippling students with debt?
students march
Kill the debt: student protest against top-up fees
Students in Manchester say plans to allow universities to charge top up fees will saddle them with debts of up to £25,000.

A fair way to fund a student education?
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In what is being seen as a Government U-turn, up-front tuition fees, currently £1,100 a year, will be dropped and maintenance grants will be brought back for the very poorest.

Tuition fees 2002-03
Nil if parents' income is less than £20,480
Sliding scale
up to £1,100 on incomes over £30,502

But universities will be allowed to charge higher fees - capped at £3,000 to £4,000, it is thought - all to be repaid out of graduate earnings.

It is expected that the fees will be covered by a loan which people will start to repay once their earnings reach a certain level, perhaps £12,000.
>>>

Manchester has one of the largest student populations in Europe, with over 78,000 people choosing to study at one of the area's four universities.
At the moment, less than half of students pay full tuition fees, currently pegged at £1,100. Fees for poorer students are met by the government.

But cash-strapped universities say they may need to charge students extra on top of this to meet their shortfalls in funding, unless more money comes from the government.

Is it fair to saddle our future citizens and their families with so much debt? Will it really deter students from going to university?
Have your say >>>


From Auryn Hughes in beeston
I agree that some students dont get time to work. They are the ones doing the highly intellectual degrees so why isnt there a distinction between, hard working individuals and their slacking counterparts. Why doesnt the university voice a more democratic presence, we all hvae different views but we only hear from the minority (Anti-war). isn't there a way the rest of the student community can voice its opinion without haggling and immature shouting by the minority (anti-war/ineducated) peoples of this university.

From Nixon in Manchester
Once 18 we are seen as adults by the government so why is it we are still jugded by the income of are parents even after we are independent. I dont want my parents being forced to support me

From Cheryl in Manchester
I am a student and I have to admit yes I do find I have time on my hands but I try to work when I can. It still doesn't help though. The government are after more working class people to stay in higher education but they're put off by the huge debt they're going to be in at the end of it all. I'm only in my first year and I've already incurred £3000 debt. I have no idea how I'll pay this back. Someone from the government (I can't remember who) said the reason less people attended University was because of the exam situation but that is very wrong. They should come and talk to the students about it instead of just assuming. The reason less people go to University is because of the money.

From Helen in Bury
For goodness sake stop your blessed complaining get off your backsides.Work and study do go hand in hand,but you cant add t.v. regular nights out and a hot social life,now can you?The word is priorities.

From Anhtony Tramontana in Bolton
Im a mature student doing a full time course and work 40 - 50 hour week too so I dont incur any debt throughout my studies. I see students everyday with time on their hands to work but instead choose not to. That is their perogative but they shouldnt expect the average man in the street to subsidise their lifestlye. They have to take responsibility for your own life and not expect other people to pay for it.

From Helenna, Bristol
I am livid. Where has socialism gone? They continue to disenfrandhise huge sectors of society and then scratch their heads when turnout is low. Lucky old Ewan, I wouldn't mind a nice flat overlooking the docks in one of thee most expensive places in Bristol from my daddy either. The elite continue to stuff the masses.

From Chris West, Birmingham
Tony Blair and the labour governement have tragically lost touch with the public lately, over the economy, transport, Iraq, and now the final straw, tuition fees. A number of my student friends are labour voters, but i think after today many will have lost confidence with the labour governement... You only have to look at the new graffiti on the wall of Birmingham university to demonstrate the frustration we feel.

From Annie Wallace, Manchester
To Anonymous: I'm a full-time student at the Man Met. I do not have the luxury of the two-day-a-week course. Mine is a 9-5, 5 day per week slog. That means no job, other than night work, which would be a huge strain on the body. Basically, the student loans must either RISE, to at least £8000 per year, or we should start getting 50% loan, 50% grant. Oh, and BTW, we don't ALL have parents we can fall back on for subsidies, and for those of us who don't, the financial position is CRIPPLING!

From Student in the UK
If, as the government claims, students go on to earn up to half a million pounds more during their lifetime than someone who is not university educated, surely we pay for our education through an increased rate of income tax.

From A student in Manchester
When my dad died during my GCSEs, money he payed into a pension scheme came to me and my brothers. This money just about pays for daily expenses such as food, washing, etc. while I'm at uni. As this is counted as unearned income to me, my widowed and unemployed mum has to pay my fees entirely; £1,100 each year for the next four, and the price is bound to go up within that time. Plus, my brother starts next year. That will be £2,200 a year There's something up with the system when families who lose a parent have to pay more than families with two incomes that may happen to fall on the right side of a threshold. If we are to pay tuition fees (I don't think we should. Can you really put a price on education? Especially in a world where degrees matter when getting the smallest of jobs.) the system should be fairer. I'm growing tired of this govt. Perhaps they should stop trying to impress the Americans and turn their thoughts to the poverty they're creating in their own country.

From Anonymous
i dont see how my fellow students get in debt, yes there is the student loan which you pay peanuts for and that does cover accomodation and food, but if you get aoff your bum and got a job then there shouldnt be a problem. im a full time student and im in a maximum of two days a week leaving me another three days to work to pay for food and entertainment which is enough, il never be rich while im here but im happy. students should learn to olook after money, i know a man who got his £1000 student loan and on the first night managed to spend £400 on drinks.

From Berne, Canberra, Australia (formerly of Timperley Cheshire)
I am disappointed that working people in England are still being penalised by the government. All they want is a decent education so they can get a job! For the last 20 yrs I have lived in Canberra, Australia. Thanks to my parents who chose to emigrate to give their children more opportunities. It has progressively got worse here too. Money has been bled from the poor in the form of HECS (higher education contribution). In simple terms a graduate debt which rises each year. When will the government do something for the working people of Manchester?

From Vicky, Stockport
The way things are going, we won't be able to send my 10 year old step-daughter to university if she wishes to go. I finished university 7 years ago & am still paying off student loans now. I still had to get 2 part time jobs while at university to be able to live. I wasn't entitled to a grant so Mum & Dad just paid the rent money every month as that's all they could afford - I had to come up with everything else. There's no way I could have paid tuition fees aswell. As always the rich will be given the opportunities to get better jobs & those that can't afford further education won't. Why do the rich always get richer and the poor, poorer?

From Janet, Bury
I am the parent of 2 students. Both do music courses. Neither will get the type of lucrative employment the government thinks all students get. The first thing that is wrong is the government's policy of 50% in HE. This just devalues the first degree.and causes an excess of useless badly taught courses. However, if the unis are strapped for cash there should be a graduate tax so that those doing lucrative degrees will pay more from their high earnings.

From BJ Brown, Manchester
policies for student funding and top up fees are outrageous. The only result will be an even greater class divide. My two chhildren have debts of 35 000.00 between them or studying for master's degrees and I am at university myself. We are from a low income single parent family and financially vulnerable. If I was from a working class background we would not have been able to even contemplate going to university. having to work part time while doing a full time course means that the final grade is likely to be adversly affected. Lower income students will be channelled into inferior universities in areas where the cost of living is also cheeper. The wealthy will populate the elitist institutions. The quality of degrees is generally dubbed down in a bid to send more people to universities. Politechnics should have remained so. My experience is that the quality of students is not managed. poor students should be kicked out or not accepted in the! first place and the resourses should be concentrated on able student with equal chance whatever their social class.

From Paul, Manchester
Students are virtually all adults (i.e. 18 or over) so why is it expected that parents will continue to fund their education? I went to university between 1993-1998 and my parents refused to provide me with any money - I could not force them to so I was stuck between a 'rock and a hard place'. I couldn't force the Council to provide me with a grant despite not receiving anything from my parents. I ended up getting about £16,000 in debt. The system doesn't work. I cannot see why a graduate tax could not be imposed on anything that you earn above the national average wage.

From john smith in rochdale
I am both a parent of a student and a low paid uni teacher,close to retirement. My salary is not high but just enough to recieve no help from the local authority. I HAVE TO PAY ALL his fees, living accomodation, books, food and beer. This takes up all the students loan available and much more. I could not possibly afford to pay any more. He is studying music and so the chances of him being able to pay back the loan is small because the positions open to him on qualification do not pay well.

From Katherine in Manchester
Do the figures published regarding the debts that "most" students graduate with just cover Student Loans or does it also include Student Overdrafts? As a student who graduated 3 years ago with no debt - yes I was lucky - I find most of the complaints quite hard to give credit to. I was lucky that my parents were prepared to pay for my accommodation and tuition fees were paid for by my local authority. However I also found myself a number of jobs which helped fund my other living costs. This included Bar and shop work. As both of these were evening jobs it also helped to curb any real possibility of using those magical interest free overdrafts that EVERY bank now offers. As far as I can remember this was the real cause of mounting debt with my fellow students. Many seemed to feel it was their right to visit every single club night within a 30 mile radius, complete with new outfit and a wallet full of money for drinks. I am aware that this is not necessarily the norm, but graduates who use their degrees (and many do not) can expect to substantially increase their earnings so why shouldn't they pay for this advantage? I have other friends who did take out student loans and are on wages of 25-30k and a still deferring their initial payments. And thay have told me that student loans are not dealt with as "true" debt when applying for mortgages etc. Going straight to University is not the only way to get a degree many companies allow day release and help pay tuition fees. There is more than one way do do everything and whilst it might make life a bit more difficult for a while, student life is supposed to be a life building experience isn't it?

From Sarah in Nottingham
It doesnt make sense to me. Im a student in Nottingham, my brothers a student in Manchester. Hes paying uni fees to be allowed to work for the NHS for peanuts. Doesnt seem right really when he'll be spending all his time trying to help others and he still gets to be in debt for the priviledge. I'm in the same boat as he is - I just hope Tony Blair doesnt need any medical help in a few years, I'll have no other choice than to charge top whack rates to try and pay off my 14 grand of uni debt!

From Mark
Thousands of university students are already in thousands of pounds worth of dept due to the current loan system, to put more fanancail pressure on students is stupid. Maybe the goverment should think about investing in teachers, engineers, doctors and politicans today which can only help the country in years to come.

From Paul Brearley in Manchester
I thought Labours election promise in 1997 was "education, education, education". Well perhpas after this it will only aply if you have no money or are rolling in it, anyone in the middle (which is most of us) won't be able to have "education, education, education"

From Mat in Manchester
The government keep wanting more and more people to go to university. This simply devalues a degree and means that the government cannot afford to give grants or pay universities the tuition fees. The only solutions are to change the policy on making more and more people go to uni or to give less money per student. The public can't be charged any more for our education.

From Bob Hewitt in Hazel Grove
I assume Tony Blairs battlecry of "Education, education, education" referred to Nursery, Primary and Junior school and he deliberately missed the other three "educations" for high school, 6th Form and University. My son has been in the school year that has met all the changes, the first to do the SAT tests, the first to do the now infamous AS levels As a result of all the confusion and the scheduling of exams (three in one afternoon scheduled for the same time!!) my son failed to get the required grades for the course he wanted to do (a "useful" course - Chemistry) he has therefore stayed on at 6th form to do resits and hopefully will get to University next September. My daughter will finish her AS,A levels the following year and also looks forward to going to University. Except they are both having second thoughts, they don't want crippling debts when they leave University at a time when they may also be looking to buy a house/flat - my wife and I are hoping to have the money to cover the debts they will incur under the current system, but add another £3/4000 per year each and theres no chance!!

From Becca in Manchester
Yes, I think that the students have a right to hold these manifestations. Increasing the tuition fees causes further problems, as if these students don't have enough financial worries already, especially those of a poorer background. Even when they finish uni, students are still paying off their debts from student loans, so yes it isn't fair. It currently appears to me that getting a job to help pay off these debts isn't enough. Speaking as an A Level student, I now worry about paying the tuition fees because I am hoping to go to uni. I'm also sure that others like me worry about going to uni in the future.

From Chris Hirons in newport, shropshire
Neither the poor or middle classes will be able to afford University, meaning that only the rich can go. The Conservatives are still in power.

From Andy Black, Leigh College
This proposal is stupid. I'm applying for University this year as i am lucky because of financial support from my parents. Other people on my course would love to go to Uni but the fact is that they just can't afford it. Adding more fees would really backfire on the government.

From anon
If some of the "stupid" courses were cut, i.e. media studies, etc. there would be enough money for traditional and useful courses

From anon
Im full time student and work over 21 hours a week at a call centre, in between work and uni i dont have a lot of spare time. as ive got my own house i cant afford not to work but i know constantly that my uni work is being affected. however if i stayed at home all day and never worked i would recieve all kinds of financial support surely the current system can not be right!!! if i has a kid then i would be loaded!!

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