Written Question·Department for Education·UIN 120933

Students: Loans

Tabled: 16 March 2026

Answered: 23 March 2026

Question

Ian Byrne

To ask the Secretary of State for Education, what assessment her Department has made of the potential impact of increased student loan balances on graduates’ access to mortgages and savings.

Answer

Josh MacAlister

The size of one’s outstanding student loan is not a barrier to accessing a mortgage and savings. Student loan balances do not appear on borrower credit records, meaning the total size of the student loan debt is not considered in a borrower mortgage appli...

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