Guides
Student finance, degree value and the routes in without one — written plainly, with every figure sourced to published data or to our own model.
In June 2026 the Department for Education told students not to go to university by default. Here is what its own data shows, and what it leaves out.
Of the 27 subjects we model, only four clear the loan before it is written off. For everyone else it behaves as a 9% surcharge for forty years.
Apprenticeships, technical qualifications and direct entry, with the government services that list them and the entry requirements for each.