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Budd, Richard 2016. Disadvantaged by degrees? How widening participation students are not only hindered in accessing HE, but also during – and after – university. Perspectives: Policy and Practice in Higher Education, p. 1.
Harrison, Neil and Agnew, Steve 2016. Individual and Social Influences on Students’ Attitudes to Debt: a Cross-National Path Analysis Using Data from England and New Zealand. Higher Education Quarterly,
Hauser, Daniel C and Johnston, Alison 2016. Public Costs, Relative Subsidies, and Repayment Burdens of Federal US Student Loan Plans: Lessons for Reform. Higher Education Policy, Vol. 29, Issue. 1, p. 89.
Hellmann, Jens H. and Jucks, Regina 2016. The crowd in mind and crowded minds: an experimental investigation of crowding effects on students’ views regarding tuition fees in Germany. Higher Education,
Hinton-Smith, Tamsin 2016. Negotiating the risk of debt-financed higher education: The experience of lone parent students. British Educational Research Journal, Vol. 42, Issue. 2, p. 207.
Jones, Steven 2016. Expressions of student debt aversion and tolerance among academically able young people in low-participation English schools. British Educational Research Journal, Vol. 42, Issue. 2, p. 277.
Jungblut, Jens 2016. Re-distribution and public governance – the politics of higher education in Western Europe. European Politics and Society, Vol. 17, Issue. 3, p. 331.
Moulin, Léonard Flacher, David and Harari-Kermadec, Hugo 2016. Tuition fees and social segregation: lessons from a natural experiment at the University of Paris 9-Dauphine. Applied Economics, Vol. 48, Issue. 40, p. 3861.
Aldrovandi, Silvio Wood, Alex M. Maltby, John and Brown, Gordon D. A. 2015. Students' concern about indebtedness: a rank based social norms account. Studies in Higher Education, Vol. 40, Issue. 7, p. 1307.
Harrison, Neil Agnew, Steve and Serido, Joyce 2015. Attitudes to debt among indebted undergraduates: A cross-national exploratory factor analysis. Journal of Economic Psychology, Vol. 46, p. 62.
Harrison, Neil Chudry, Farooq Waller, Richard and Hatt, Sue 2015. Towards a typology of debt attitudes among contemporary young UK undergraduates. Journal of Further and Higher Education, Vol. 39, Issue. 1, p. 85.
Horton, John 2015. Young people and debt: getting on with austerities. Area, p. n/a.
Johnson, Cathleen and Montmarquette, Claude 2015. The lack of loan aversion among Canadian high school students. Canadian Journal of Economics/Revue canadienne d'économique, Vol. 48, Issue. 2, p. 585.
Khambhaita, Priya and Bhopal, Kalwant 2015. Home or away? The significance of ethnicity, class and attainment in the housing choices of female university students. Race Ethnicity and Education, Vol. 18, Issue. 4, p. 535.
Kruse, Tracy Starobin, Soko S. Chen, Yu (April) Baul, Tushi and Santos Laanan, Frankie 2015. Impacts of Intersection Between Social Capital and Finances on Community College Students’ Pursuit of STEM Degrees. Community College Journal of Research and Practice, Vol. 39, Issue. 4, p. 324.
Bachan, Ray 2014. Students' expectations of debt in UK higher education. Studies in Higher Education, Vol. 39, Issue. 5, p. 848.
Callender, Claire 2014. Student Numbers and Funding: Does Robbins Add Up?. Higher Education Quarterly, Vol. 68, Issue. 2, p. 164.
Alcott, Ben 2013. Predicting departure from British education: Identifying those most at risk through discrete time hazard modelling. Widening Participation and Lifelong Learning, Vol. 15, Issue. 4, p. 46.
Cadena, Brian C. and Keys, Benjamin J. 2013. Can Self-Control Explain Avoiding Free Money? Evidence from Interest-Free Student Loans. Review of Economics and Statistics, Vol. 95, Issue. 4, p. 1117.
Chankseliani, Maia 2013. The financial burden of attending university in Georgia: Implications for rural students. PROSPECTS, Vol. 43, Issue. 3, p. 311.
Concerns over the impact of debt on participation in higher education (HE) have dominated much of the debate surrounding the most recent reforms of financial support for full-time students in England, including the introduction of variable tuition fees. Yet few studies have attempted to explore this issue in a statistically robust manner. This article attempts to fill that gap. It examines the relationship between prospective HE students' attitudes to debt, and their decisions about whether or not to enter HE. Using data derived from a survey of just under 2,000 prospective students, it shows how those from low social classes are more debt averse than those from other social classes, and are far more likely to be deterred from going to university because of their fear of debt, even after controlling for a wide range of other factors. The article concludes that these findings pose a serious policy dilemma for the Westminster government. Their student funding policies are predicated on the accumulation of debt and thus are in danger of deterring the very students at the heart of their widening participation policies.
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