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Every year, it costs British students more and more to attend university. Students are graduating with larger and larger debts. So is a university degree really worth it?
In 2006, the UK government started to allow universities in England and Wales to charge British students tuition fees. As a result, more than 80 per cent of students in England and Wales now take out a student loan in order to go to university. They use the loan to pay for tuition fees, books and living expenses. Although the interest on student loans is quite low, it begins as soon as the student receives the loan.
The average student in England and Wales now graduates from university with debts of around
￡12,000. Students of medicine who study for longer, usually have debts of more than ￡20,000. That is a lot of money. It means graduates cannot afford to buy a house for many years. They even struggle to pay rent on a flat because they have to start paying back the student loan when they reach the April after graduating (or after leaving a course). If you start to earn over
￡15,000 a year, the government take repayments directly from your monthly salary. Is it any surprise, therefore, that the average British person does not leave their parents’ home until they are 30 years old?
You might think that a British person with a degree will find it easy to get a well-paid job. However, most people in “white-collar jobs” seem to have a degree these days, so there is a lot of competition. Also, British companies tend to value work experience over a piece of paper. Like everyone else, graduates usually have to start at the bottom and work their way up. That can be very frustrating for them, since they are often over-qualified for the work they are doing. While at university, they had dreams of getting an exciting, challenging job. Therefore, life after university ends up being quite disappointing for a lot of graduates.
All of the above is beginning to make British people question whether a university degree is really worth the money. Even before the credit crunch started, the BBC stated: “The number of British students at UK universities has fallen for the first time in recent history, from 1.97 million in 2007 to 1.96 million last year [2008].” It looks like the figures will continue to decline, since loan companies are now telling some students that there are no loans available for them. Forecasts are that between 2009-19 there will be a fall of six per cent in the number of 18- to 25-year-old university applicants across the UK.
Students have always been thought of as not having a lot of money, but “student poverty” is now considered a real problem in the UK. Most British students expect to have to get a loan, part-time job or summer job. Worse than that, however, is the fact student leaders report there are increasing numbers of students turning to crime to support themselves financially.
By contrast, things are now easier for students from other countries coming to study in the UK, since the value of the British pound has fallen. More international students come to Britain each year. The British universities offer more and more of the available places to richer international students rather than poorer British students. Some British people fear that, one day, there won’t be any university places left for British students at all.
Activity 1: Vocabulary
Match the terms and their definitions. One answer is given.
1tuition fees (f)
2a student loan
3interest
4repayment
5struggle
6challenging
7a summer job
8salary
9wage
amoney paid back on a loan
bfight
cwork between academic years
dmoney paid for a week’s work
eextra money paid on a loan or bank savings
fmoney a student pays
to a university (1)
gdifficult but rewarding
hmoney borrowed from a bank or finance company
i a regular monthly or annual paypacket
Activity 2: Gap fill
Using vocabulary from Activity 1, complete the sentences below.
1We will lend you ￡3,000, which you will need to repay with ________of three per cent after three years.
2Paying my fees every year has been a constant ________.
3With such a small loan, I don’t know if I’ll be able to pay the ________.
4I’ve got a good job, but I just wish the work was more ________.
5When term ends, I’ll have to get ________ just to make ends meet.
6The ________ is 140 a week,but it’s cash-in-hand, so you don’t pay tax.
Activity 3: True or false
Decide if the following statements are true (T), false (F) or partly true (P).
1British education is becoming more expensive for a majority of British students.
2Having a degree doesn’t get you a good job.
3Soon, there won’t be any university places left for British students.
Answers
Activity 1
2i
3e
4a
5b
6g
7c
8j
9d
10h
Activity 2
1interest
2struggle
3tuition fees
4challenging
5a summer job
6wage
Activity 3
1T
2P
3F
In 2006, the UK government started to allow universities in England and Wales to charge British students tuition fees. As a result, more than 80 per cent of students in England and Wales now take out a student loan in order to go to university. They use the loan to pay for tuition fees, books and living expenses. Although the interest on student loans is quite low, it begins as soon as the student receives the loan.
The average student in England and Wales now graduates from university with debts of around
￡12,000. Students of medicine who study for longer, usually have debts of more than ￡20,000. That is a lot of money. It means graduates cannot afford to buy a house for many years. They even struggle to pay rent on a flat because they have to start paying back the student loan when they reach the April after graduating (or after leaving a course). If you start to earn over
￡15,000 a year, the government take repayments directly from your monthly salary. Is it any surprise, therefore, that the average British person does not leave their parents’ home until they are 30 years old?
You might think that a British person with a degree will find it easy to get a well-paid job. However, most people in “white-collar jobs” seem to have a degree these days, so there is a lot of competition. Also, British companies tend to value work experience over a piece of paper. Like everyone else, graduates usually have to start at the bottom and work their way up. That can be very frustrating for them, since they are often over-qualified for the work they are doing. While at university, they had dreams of getting an exciting, challenging job. Therefore, life after university ends up being quite disappointing for a lot of graduates.
All of the above is beginning to make British people question whether a university degree is really worth the money. Even before the credit crunch started, the BBC stated: “The number of British students at UK universities has fallen for the first time in recent history, from 1.97 million in 2007 to 1.96 million last year [2008].” It looks like the figures will continue to decline, since loan companies are now telling some students that there are no loans available for them. Forecasts are that between 2009-19 there will be a fall of six per cent in the number of 18- to 25-year-old university applicants across the UK.
Students have always been thought of as not having a lot of money, but “student poverty” is now considered a real problem in the UK. Most British students expect to have to get a loan, part-time job or summer job. Worse than that, however, is the fact student leaders report there are increasing numbers of students turning to crime to support themselves financially.
By contrast, things are now easier for students from other countries coming to study in the UK, since the value of the British pound has fallen. More international students come to Britain each year. The British universities offer more and more of the available places to richer international students rather than poorer British students. Some British people fear that, one day, there won’t be any university places left for British students at all.
Activity 1: Vocabulary
Match the terms and their definitions. One answer is given.
1tuition fees (f)
2a student loan
3interest
4repayment
5struggle
6challenging
7a summer job
8salary
9wage
amoney paid back on a loan
bfight
cwork between academic years
dmoney paid for a week’s work
eextra money paid on a loan or bank savings
fmoney a student pays
to a university (1)
gdifficult but rewarding
hmoney borrowed from a bank or finance company
i a regular monthly or annual paypacket
Activity 2: Gap fill
Using vocabulary from Activity 1, complete the sentences below.
1We will lend you ￡3,000, which you will need to repay with ________of three per cent after three years.
2Paying my fees every year has been a constant ________.
3With such a small loan, I don’t know if I’ll be able to pay the ________.
4I’ve got a good job, but I just wish the work was more ________.
5When term ends, I’ll have to get ________ just to make ends meet.
6The ________ is 140 a week,but it’s cash-in-hand, so you don’t pay tax.
Activity 3: True or false
Decide if the following statements are true (T), false (F) or partly true (P).
1British education is becoming more expensive for a majority of British students.
2Having a degree doesn’t get you a good job.
3Soon, there won’t be any university places left for British students.
Answers
Activity 1
2i
3e
4a
5b
6g
7c
8j
9d
10h
Activity 2
1interest
2struggle
3tuition fees
4challenging
5a summer job
6wage
Activity 3
1T
2P
3F