Jim Shannon

It is a real pleasure to serve under your chairship, Ms Lewell. I thank the hon. Member for Ilford South (Jas Athwal) for setting the scene. Two minutes—my goodness! How can I get everything into two minutes? I think of the many graduates who work at Asda— a job they land because there are no full-time entry-level graduate jobs for them. I am aware that student loan repayments are not done in the same way in Northern Ireland as in the rest of the United Kingdom; Northern Ireland borrowers primarily use plan 1, whereas England has a different system. However, cost of living difficulties mean that borrowers find themselves with problems even if they have what once would have been classified as good jobs. Because of the time limit, I will give only one example: a junior doctor who, despite getting all As at GCSE and A-level, could not get into Queen’s medical school in Belfast, but was accepted by Edinburgh medical school. That meant a compulsory additional degree within the degree, and an extra year. This clever young lady is now home and working in the trust, and she sent me a copy of her payslip, showing her crippling student loan repayment. She also sent me a copy of her student loan debt—and my breath left my body. This year, she will finish her foundation year 2, and she is not guaranteed a position, so she takes all the on-call hours and locum hours and lives her life worried about her patients and about her debt. She is 25 years of age, living in her sister’s spare room, working 70 hours a week, with a debt of £100,000. Something is wrong with this system. I ask the Minister to consider that. Our student fees are £4,500, plus maintenance. We need to look at this system. It penalises home students and forces young people to leave their local areas for places that do not have free student accommodation, where they have to pay for someone else’s mortgage over the next 26 years of their lives while paying their own mortgage. No working person should begin their financial journey mired in debt because their local university could not take them and they had to move to a new part of the country and pay for life there. We can do better than that. I look to the Minister to make sure that he does.