The Scottish Government

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A report to the Scottish Executive
Professor Claire Callender, London South Bank University
David Wilkinson, The Policy Studies Institute
ISBN 978 0 7559 6502 1 (Web only publication)
This document is also available in pdf format (312k)

CONTENTS

1 INTRODUCTION
1.1 Background
1.2 Characteristics of the sample of undergraduates at HEIs and FECs
1.3 Characteristics of the sample of undergraduates at HEIs and FECs

2 HE STUDENTS' INCOME
2.1 Introduction
2.2 Undergraduate students' total income and their main sources of income in 2004/05
2.3 Variations in undergraduate students' total income in 2004/05

3 HE STUDENTS' EXPENDITURE
3.1 Introduction
3.2 HE students' total expenditure and main types of expenditure in 2004/05
3.3 Variations in HE students' total expenditure in 2004/05

4 HE STUDENTS' SAVINGS, BORROWING AND DEBT
4.1 Introduction
4.2 HE students' total savings
4.3 HE students' total borrowings
4.4 All HE students' total debt
4.5 Variations in HE students' debt
4.6 HE students' debt on graduation

TABLES
Table 1.1 Socio-economic characteristics of undergraduates surveyed by country of study
Table 1.2 Institutional characteristics of undergraduates surveyed by type of institution attended
Table 2.1 Total HE student income and sources of income
Table 2.2 Percentage of HE students receiving different sources of income and the amount they received
Table 2.3 Reasons for not taking out a student loan (%)
Table 2.4 Maximum student loans in 2004/05 in Scotland
Table 2.5 Maximum student loans in 2004/05 in England
Table 2.6 Students' total income by socio-economic characteristics
Table 2.7 Students' total income by institutional characteristics
Table 2.8 Total HE student income and sources of income by type of institution attended
Table 2.9 Total HE student income and sources of income by living and housing arrangements
Table 2.10 HE students' income and main sources of income by whether they have dependent children
Table 2.11 HE students' income and main sources of income by age when started course
Table 2.12 HE students' income and main sources of income by whether had taken out a student loan
Table 2.13 HE students' income and main sources of income by whether had worked during term-time
Table 2.14 HE students' total income and main sources of income by socio-economic class
Table 2.15 HE students' total income and main sources of income by whether live in London
Table 3.1 Total HE students' expenditure and type of expenditure
Table 3.2 Percentage of HE students incurring different types of expenditure and the amount they spent
Table 3.3 HE students' total expenditure by socio-economic characteristics
Table 3.4 HE students' total expenditure by institutional characteristics
Table 3.5 Total HE students' total expenditure and types of expenditure by type of institution attended
Table 3.6 Total HE total student expenditure and types of expenditure by living and housing arrangements
Table 3.7 HE students' total expenditure and types of expenditure by whether they have dependent children
Table 3.8 HE students' total expenditure and types of expenditure by age when started course
Table 3.9 HE students' total expenditure and types of expenditure by whether had taken out a student loan
Table 3.10 HE students' income and main sources of income by whether had worked during term-time
Table 3.11 HE students' total income and main sources of income by socio-economic class
Table 3.12 HE students' total expenditure and types of expenditure by whether live in London
Table 4.1 Average total students' incomings over the academic year
Table 4.2 Total HE students' outgoings over the academic year
Table 4.3 Total students' savings at different stages in the academic year
Table 4.4 Percentage of students with savings at different stages in the academic year and the amount saved
Table 4.5 Average total student borrowings and sources of borrowing
Table 4.6 Percentage of students with borrowings from different sources and the amount borrowed
Table 4.7 HE students' total debt by socio-economic characteristics
Table 4.8 HE students' total debt by institutional characteristics

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