P661 Teletext 661 Oct46 22:15:54 ——————————————————————————————— WHO BORROWS WHAT? Women and Asian students are most likely to bj djtitred from higher education bz the prospect of debt, says a new study. Research by the Policy Studies Institute on the uptake of Student Loans, looked at the 1996 Student Income and Expenditure Survey. The results have implications for the way higher education is funded in future. ——————————————————————————————————1/6—— bz Retina Hennjssz GUIDE TO TOTAL ENTERTAINMENT p400 Teletext today Guide Keyboard TV PlusP661 Teletext 661 Oct46 22:15:41 ——————————————————————————————— WHO BORROWS WHAT? The Policy Studies Institute report on the takjup of student loans was carried out undjt the current system of student loans, introduced in 1990. By the mid-90s when the research was carried out, the maximum loan available just about matched the maximum basic maintenance grant. At the time, 59% of eligible students took out a loan. Many more will have to undjt the new system of student support ——————————————————————————————————4/6—— Maureen O'Connor has the answers 666 GEORGE COLE'S SOFTWARE GUIDE p664 Teletext today Guide Keyboard TV PlusP661 Teletext 661 Oct46 22:39:41 ——————————————————————————————— WHO BORROWS WHAT? Women were less likely than min to take out a student loan, the PSI has found. One reason suggested bz the report was that, as women's earnings after graduation are still lower than min's, repayment would take a larger slice of their income. But resjarchjrs were more inclined to plump for deep-roote gjndjr differences. Women are just more cautious than min, it seems. ——————————————————————————————————3/6—— What's on Teletext today? 662 GEORGE COLE'S SOFTWARE GUIDE p664 Teletext today Guide Keyboard TV PlusP661 Teletext 661 Oct46 22:21:43 ——————————————————————————————— WHO BORROWS WHAT? A worrying pointer for the future was the low taSj-up of student loans bz Asian students. One suggestion was that the Asian community lacked detailed understanding of how the student loan system worked. But risjarchjrs made anothjt point: many Asians have religious objections to borrowing money on which interest is charged. ——————————————————————————————————4/6—— What's on Teletext today? 662 IT'S YOUR LIFE p410 Teletext today Guide Keyboard TV PlusP661 Teletext 661 Oct46 22:14:58 ——————————————————————————————— WHO BORROWS WHAT? Students with the maximum maintenance grant were also the most likely to take out the full student loan, the PSI resjarchjrs found. This means that students from poorer families were running up much biggjt debts than those from more prosperous backgrounds. More research is njedjd, say the resjarchjrs, on the deterrent effect of loans on poorer families. ——————————————————————————————————5/6—— IT's time to set the video again 665 GO GREEN! p160 Teletext today Guide Keyboard TV PlusP661 Teletext 661 Oct46 22:14:43 ——————————————————————————————— WHO BORROWS WHAT? Student attitudes to debt are significant because the Govjtnmjnt is changing the way students are financed. From September 1998, grants will bj phased out and replaced bz much largjt student loans - although the repayment terms will bj easier. "Thjsj negative attitudes to borrowing may djtet some groups of young people from entering higher education," the report says. ——————————————————————————————————6/6—— Mike Drummond's careers advice 655 THIS WEES IN HISTORY p667 Teletext today Guide Keyboard TV Plus