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Financial Support for Tertiary Students

The latest statistics relating to financial support for students including student loans, allowances and scholarships.

On this page

  • Section 1: Shared cost of tertiary education
  • Section 2: Earning potential
  • Section 3: Participation and borrowing
  • Section 4: Loan uptake
  • Section 5: Repayment times
  • Section 6: Repayment performance
  • Section 7: Funding
  • Section 8: Student allowances

Shared cost of tertiary education

The Student Loan Scheme aims to enable a wide range of people to access tertiary education, gaining knowledge and skills that enhance the economic and social wellbeing of New Zealand. Sharing the cost of tertiary education helps support more people into tertiary study so they can invest in their future.

Funding of tertiary education
Table C1_T1: Funding of tertiary education
Government expenditure 2017/18 2018/19 2019/20

Source: Ministry of Education, Tertiary Education Commission and Ministry of Social Development.

Refer to Table 1, Chapter 1, page 11 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Tuition subsidies are represented by the Student Achievement Component.
  2. PBRF is the Performance-Based Research Fund.
  3. Fees Free represents the amount spent on paying tuition fees for Fees Free eligible learners.
  4. The following items of expenditure are not covered: industry training, community education, scholarships, Youth Guarantee, centres of research excellence, administration of tertiary education, and capital expenditure.
  5. To allow better comparisons between years, tuition and training expenditure in 2019/20 excludes the accounting impact of the government guaranteeing funding for providers in 2020 as a result of COVID-19 (which meant the expense of funding guaranteed for July to December 2020 needed to be recognised in 2019/20 rather than in 2020/21). This therefore differs to expenditure recorded in the Estimates of Appropriations for Vote Tertiary Education.
Expenditure ($ million)  Student loans - fair value write down on new borrowings $594 $563 $506
Student allowances $511 $583 $567
Tuition subsidies, Fees Free, and PBRF $2,514 $2,580 $2,690
Total $3,619 $3,726 $3,763
Total as % of GDP 1.24% 1.23% 1.25%
Median loan balance on leaving study
Table C1_F2: Median loan balance on leaving study
Year of last study Median loan balance Inflation adjusted Median loan balance

Source: Stats New Zealand IDI

Refer to Figure 2, Chapter 1, page 11 of the Student Loan Scheme Annual Report 2019/20

Notes:

Shown is median loan balance in dollars following the last year of study, and the same figure deflated to March 2001 dollars.

2018  $    21,610  $ 14,922
2017  $    19,350  $ 13,559
2016  $    18,650  $ 13,212
2015  $    17,780  $ 12,869
2014  $    17,000  $ 12,356
2013  $    15,990  $ 11,651
2012  $    14,670  $ 10,853
2011  $    13,570  $ 10,126
2010  $    12,310  $ 9,330
2009  $    11,680  $ 9,248
2008  $    11,170  $ 9,025
2007  $    10,620  $ 8,835
2006  $    10,210  $ 8,780
2005  $    10,330  $ 9,109
2004  $      9,490  $ 8,645
2003  $      9,410  $ 8,811
2002  $      8,700  $ 8,272
2001  $      8,470  $ 8,256
2000  $      8,360  $ 8,360
Median loan balance for leavers by gender - all borrowers and those who studied at bachelor level

This table is produced online only

Table C1_F2.1: Median loan balance for leavers by gender - all borrowers and those who studied at bachelor level

Source: Ministry of Education

This is a supporting table for Figure 2, Chapter 1, Page 11 of the Student Loan Scheme Annual Report 2019/20

Year of last study All levels Bachelor level
Male
$
Female
$
Male
$
Female
$
2018 22,110 21,390 30,080 28,690
2017 19,360 19,350 28,220 27,420
2016 17,860 18,580 27,920 26,360
2015 17,170 17,350 26,800 25,150
2014 15,960 16,580 26,270 23,920
2013 15,040 15,430 25,170 22,760
2012 13,800 14,180 23,610 20,710
2011 13,110 13,070 22,130 19,040
2010 11,990 11,910 20,500 17,410
2009 11,210 11,490 19,800 17,090
2008 11,120 10,770 19,570 16,280
2007 10,660 10,300 18,260 15,350
2006 10,520 9,740 18,940 15,720
2005 10,650 9,820 19,160 16,110
2004 10,050 8,760 17,410 14,120
2003 9,790 8,820 16,360 13,760
Percentage of borrowers who fully repaid each year
Table C1_F4: Percentage of borrowers who fully repaid each year who left study 2003, 2007, 2011 and 2015
Exit Year 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003

Source: Stats New Zealand IDI

Refer Figure 4, Chapter 1, Page 12 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. The leaving cohorts are those who last studied in 2003, 2007, 2011 and 2015, had borrowed from the scheme, and had a student loan balance of $20 or more at 31 March in the following year.  
    Excluded are those who had repaid their student loan before 31 March in the year after leaving study.
  2. Full repayment is deemed to occur when the student loan balance has fallen below $20.
2003 76.9% 75.4% 73.6% 71.5% 69.2% 66.6% 63.5% 60.2% 56.5% 52.6% 47.8% 42.5% 36.4% 28.9% 22.5% 11.8% 0.0%
2007 69.6% 67.3% 64.4% 60.9% 57.1% 52.6% 47.3% 41.3% 34.4% 27.2% 19.3% 9.6% 0.0%        
2011 57.1% 52.5% 46.9% 40.5% 33.8% 26.6% 18.9% 10.0% 0.0%                
2015 28.7% 21.5% 14.3% 6.9% 0.0%                      

Earning potential

The earnings range for domestic graduates reflects the higher the qualification, the higher the expected income. The tables show the percentage of median and quartile earnings of employed New Zealand domestic tertiary graduates between 1 and 10 years after graduation.

Five years after graduation:

  • The median earnings of those with a Bachelor’s degree graduate was 23 percent above those with a Level 5-7 certificate/diploma.
  • The median earnings of those with a Master’s degree was 6.5 percent higher than those with a Bachelor’s degree and 31 percent higher than those with a level 5-7 certificate.
Median annual earnings of young domestic graduates
Table C1_F3: Median annual earnings of young domestic graduates
Earnings as a percentage of national median earnings by year after qualification (%)
Qualification level Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Source: Stats NZ IDI, Tertiary Education Commission

Refer to Figure 3, Chapter 1, page 12 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Graduate earnings are attributed only to the highest qualification completed by a person.
  2. Sources of data used to identify the highest qualification completed by a person include the Single Data Return, Industry Training Register and New Zealand Qualifications Authority register.
  3. The definition of employed graduates and employed population is based on size of income from employed taxable sources. A person is considered employed if their yearly income
  4. All earnings are measured in the 2019 tax year (between 1 April 2018 and 31 March 2019). Any negative earnings (income losses) were zeroed for the purposes of this report.
  5. For comparison purposes the median earnings of the employed New Zealand population were calculated for age groups matching the median age of graduate groups in each year.
Doctorates 134 143 150 149 147 150 149 162 165 157
Masters 113 121 127 125 131 138 136 138 133 138
Honours & postgraduate certificates/diplomas 123 127 130 133 136 139 140 143 144 146
Graduate certificates/diplomas 96 102 110 112 118 119 123 127 127 130
Bachelor degrees 113 116 118 119 123 122 125 127 126 125
Level 5-7 certificates/diplomas 95 98 96 100 100 100 100 102 106 106
Level 4 certificates 105 109 104 102 104 106 108 110 109 109
Level 1-3 certificates 105 103 108 100 100 98 94 96 94 96
Domestic graduate earnings range

This table is produced online only

Table C1_F3.1 Domestic graduate earnings range – Median, lower, upper quartiles (1-13 years after study for each qualification level)

Source: Stats NZ IDI, Tertiary Education Commission interpretation.

This is a supporting table for Figure 3, Chapter 1, Page 12 of the Student Loan Scheme Annual Report 2019/20

Level of study Measure Annual earnings ($)
Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13
Level 1-3 certificates Lower quartile 28,000 31,000 32,000 33,000 33,000 35,000 35,000 37,000 37,000 38,000 38,000 38,000 38,000
Level 1-3 certificates Median 39,000 41,000 43,000 43,000 45,000 47,000 47,000 49,000 50,000 51,000 51,000 53,000 55,000
Level 1-3 certificates Upper quartile 50,000 52,000 53,000 55,000 57,000 60,000 60,000 64,000 65,000 66,000 68,000 70,000 74,000
Level 1-3 certificates National median 37,000 40,000 40,000 43,000 45,000 48,000 50,000 51,000 53,000 53,000 56,000 57,000 58,000
Level 4 certificates Lower quartile 31,000 33,000 34,000 35,000 38,000 39,000 41,000 42,000 42,000 43,000 44,000 46,000 46,000
Level 4 certificates Median 45,000 47,000 47,000 48,000 50,000 53,000 55,000 57,000 58,000 60,000 62,000 62,000 64,000
Level 4 certificates Upper quartile 61,000 63,000 64,000 65,000 68,000 70,000 72,000 74,000 76,000 77,000 81,000 82,000 83,000
Level 4 certificates National median 43,000 43,000 45,000 47,000 48,000 50,000 51,000 52,000 53,000 55,000 56,000 57,000 58,000
Level 5-7 certificates and diplomas Lower quartile 28,000 32,000 33,000 35,000 36,000 37,000 39,000 39,000 41,000 41,000 40,000 39,000 41,000
Level 5-7 certificates and diplomas Median 38,000 42,000 43,000 45,000 47,000 48,000 51,000 53,000 55,000 56,000 56,000 55,000 58,000
Level 5-7 certificates and diplomas Upper quartile 48,000 51,000 54,000 58,000 61,000 63,000 68,000 70,000 72,000 74,000 75,000 76,000 81,000
Level 5-7 certificates and diplomas National median 40,000 43,000 45,000 45,000 47,000 48,000 51,000 52,000 52,000 53,000 56,000 56,000 58,000
Bachelors degrees Lower quartile 35,000 40,000 42,000 44,000 45,000 46,000 47,000 48,000 47,000 47,000 48,000 48,000 48,000
Bachelors degrees Median 45,000 50,000 53,000 56,000 59,000 61,000 64,000 66,000 67,000 69,000 70,000 71,000 72,000
Bachelors degrees Upper quartile 54,000 60,000 65,000 70,000 74,000 78,000 82,000 86,000 89,000 92,000 94,000 97,000 100,000
Bachelors degrees National median 40,000 43,000 45,000 47,000 48,000 50,000 51,000 52,000 53,000 55,000 56,000 57,000 58,000
Level 7 graduate certs/dips Lower quartile 35,000 40,000 41,000 44,000 45,000 47,000 47,000 49,000 50,000 50,000 47,000 53,000 52,000
Level 7 graduate certs/dips Median 45,000 49,000 53,000 56,000 60,000 62,000 65,000 70,000 71,000 74,000 73,000 78,000 78,000
Level 7 graduate certs/dips Upper quartile 52,000 55,000 61,000 66,000 72,000 77,000 80,000 84,000 86,000 86,000 88,000 93,000 91,000
Level 7 graduate certs/dips National median 47,000 48,000 48,000 50,000 51,000 52,000 53,000 55,000 56,000 57,000 58,000 58,000 60,000
Level 8 honours/postgrad certs/dips Lower quartile 39,000 43,000 46,000 47,000 49,000 52,000 52,000 53,000 55,000 56,000 62,000 61,000 65,000
Level 8 honours/postgrad certs/dips Median 53,000 57,000 61,000 64,000 68,000 71,000 73,000 76,000 79,000 82,000 88,000 92,000 94,000
Level 8 honours/postgrad certs/dips Upper quartile 63,000 69,000 74,000 79,000 84,000 89,000 94,000 98,000 108,000 115,000 120,000 125,000 127,000
Level 8 honours/postgrad certs/dips National median 43,000 45,000 47,000 48,000 50,000 51,000 52,000 53,000 55,000 56,000 57,000 58,000 59,000
Masters Lower quartile 38,000 45,000 48,000 49,000 50,000 55,000 56,000 50,000 52,000 56,000 57,000 55,000 59,000
Masters Median 51,000 57,000 61,000 64,000 68,000 73,000 75,000 77,000 76,000 80,000 84,000 80,000 83,000
Masters Upper quartile 60,000 68,000 75,000 79,000 86,000 95,000 95,000 102,000 104,000 110,000 115,000 105,000 114,000
Masters National median 45,000 47,000 48,000 51,000 52,000 53,000 55,000 56,000 57,000 58,000 59,000 60,000 60,000
Doctorates Lower quartile 51,000 58,000 61,000 61,000 68,000 72,000 58,000 72,000 82,000 73,000 74,000 72,000 86,000
Doctorates Median 67,000 73,000 78,000 79,000 81,000 84,000 85,000 94,000 99,000 94,000 100,000 92,000 103,000
Doctorates Upper quartile 78,000 82,000 87,000 97,000 99,000 96,000 104,000 107,000 135,000 124,000 125,000 126,000 130,000
Doctorates National median 50,000 51,000 52,000 53,000 55,000 56,000 57,000 58,000 60,000 60,000 60,000 61,000 61,000

Participation and borrowing

Participation

Since 2010 the overall enrolment rate of students and those in full-time equivalent study has steadily decreased.

Enrolment by domestic students in tertiary education
Table C2_F5: Enrolment by domestic students in tertiary education
Years Students EFTS

Source: Ministry of Education

Refer to Figure 5, Chapter 2, Page 14 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Data before 1999 excludes private training establishments and ‘other tertiary education provider’ students.
  2. Data relates to domestic students enrolled at any time during the year.
  3. The difference between student numbers and EFTs numbers relates to the proportion of part-time students enrolled and the study load they enrol for
  4. Participation excludes industry training, non-government-funded private training establishments, formal courses of a week or less, and all non-formal learning.
2019 328,075 215,675
2018 335,620 220,265
2017 343,590 223,300
2016 353,545 230,815
2015 358,075 233,470
2014 363,035 239,695
2013 368,695 244,770
2012 372,770 245,685
2011 381,455 245,580
2010 418,180 254,520
2009 423,000 250,635
2008 418,660 235,115
2007 441,720 237,445
2006 445,490 235,440
2005 452,415 242,820
2004 432,745 243,115
2003 407,425 239,450
2002 379,825 224,235
2001 342,440 203,795
2000 314,615 190,660
1999 294,425 181,100
1998 259,280 160,275
1997 258,935 154,840
1996 260,555 148,470
1995 259,230 145,425
1994 245,940 139,985
Participation and completion by domestic students
Table C2_T2: Participation and completion by domestic students in tertiary education
Participation and completion 2017 2018 2019

Source: Ministry of Education

Refer to Table 2, Chapter 2, Page 15 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Data relates to domestic students enrolled at any time during the year.
  2. Participation excludes industry training, non-government-funded private training establishments, formal courses of a week or less, and all non-formal learning.
  3. A small number of students complete qualifications at different levels in the same year, hence the sum of the three levels does not always add up to the total sum of students completing their qualifications in a given year.
  4. Students are counted in each ethnic group they identify with, so the sum of the various ethnic groups may not add to the total.
  5. Data in this table, including totals, have been rounded so the sum of individual counts may not add to the total.
Domestic students participating in tertiary education Total (000) 344 336 328
20 years old and under  90 89 86
21-26 years old  99 96 94
27-50 years old  123 121 119
Over 50 years old  31 31 29
Female  201 199 198
Male  143 137 130
Māori  79 76 73
Pasifika  34 32 33
European 214 209 204
Asian  49 50 51
Domestic students completing qualifications Non-degree  78 75 71
Bachelors  27 28 27
Postgraduate  15 16 14
Total  118 117 111

The proportion of borrowers enrolled at a bachelor degree level and higher has steadily increased while Level 1 – 4 certificates decreased substantially over the last 10 years .

The trend in the age of borrowers continues to show a reduction in borrowers who are under 26 years old. This trend is consistent with the introduction of the Fees Free policy in 2018.

Trends in level of study among borrowers in 2019

This table is produced online only

Table C2_T2.1: Trends in level of study among borrowers in 2019
Qualification level Number of students
Level 1-3 Certificates  9,163
Level 4 Certificates  10,376
Level 5-7 Diplomas  15,101
Level 7 Bachelors  91,656
Level 8 Honours/Postgrad cert/dip  13,611
Level 9 Masters  7,839
Level 10 Doctorates  1,451
Non Formal           9
Missing         23
Total 149,229
Qualification 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

Source: Ministry of Social Development and Ministry of Education

This is a supporting table for Table 2, Chapter 2, Page 15 of the Student Loan Scheme Annual Report 2019/20

Note:

Students studying for more than one qualification are listed under the highest

Bacherlors degrees or higher  56.1% 56.6% 60.1% 59.5% 60.6% 61.9% 64.4% 66.2% 68.0% 69.2% 71.0% 72.7% 75.1% 76.8%
Level 1–4 certificates 30.0% 26.6% 27.8% 25.8% 25.6% 24.8% 23.1% 22.3% 20.9% 19.9% 18.3% 17.1% 15% 13%
Trends in the age profile of borrowers

This table is produced online only

Table C2_T2.2: Trends in the age profile of borrowers
Age groups 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Under 18 3,206 4,143 4,473 4,246 4,148 3,942 4,147 4,333 4,033 3,978 3,059 2,602 2,347 2,031 1,632 1,440 1,199 1,146 574 429
18 - 20  37,546 41,677 41,938 42,645 42,512 42,483 47,571 51,534 54,502 60,415 63,525 62,655 62,366 61,330 59,989 59,121 58,365 56,279 45,876 42,056
21 - 23  30,981 34,408 35,762 37,259 37,456 37,202 39,804 41,566 43,726 48,787 53,398 53,833 54,184 52,761 52,042 51,244 50,204 48,818 47,718 47,210
24 - 26  13,421 15,422 15,531 16,591 16,780 16,445 17,593 18,185 18,902 21,646 23,199 22,767 22,329 21,747 21,459 21,478 20,658 19,615 18,252 17,780
27 - 29  9,223 10,736 10,453 11,079 10,933 10,446 10,963 11,198 11,617 13,523 15,104 14,099 13,078 12,118 11,933 11,903 11,650 11,206 10,857 10,511
30 - 32  7,247 8,914 9,004 9,313 9,259 8,264 8,412 8,280 8,390 9,549 10,450 10,025 9,447 8,930 8,437 8,046 7,790 7,606 7,250 7,476
33 - 35  6,086 7,310 7,196 7,673 7,753 7,273 7,472 7,149 6,956 7,548 7,981 7,759 7,293 6,807 6,500 6,234 5,929 5,764 5,562 5,456
36 - 38  5,722 6,508 6,200 6,460 6,350 6,058 6,166 6,157 6,050 6,812 7,245 6,723 6,109 5,404 5,123 5,066 4,698 4,552 4,295 4,345
39 - 41  4,430 5,466 5,507 5,736 5,572 5,118 5,269 5,223 5,233 5,909 6,451 6,174 5,589 4,982 4,528 4,299 3,949 3,621 3,542 3,468
42 - 44  3,395 4,213 4,234 4,416 4,758 4,625 4,875 4,765 4,301 4,871 5,208 5,209 4,743 4,401 4,070 3,810 3,406 3,088 2,835 2,793
45 - 47  2,516 3,115 3,163 3,374 3,621 3,575 3,854 4,079 4,147 4,391 4,559 4,267 3,965 3,515 3,388 3,257 2,944 2,773 2,609 2,409
48 - 50  1,665 2,156 2,246 2,456 2,604 2,645 2,977 2,984 2,959 3,347 3,753 3,649 3,424 2,895 2,664 2,462 2,345 2,089 1,993 2,049
51 - 53  1,074 1,401 1,518 1,575 1,736 1,788 2,125 2,210 2,182 2,430 2,656 2,603 2,417 2,301 2,140 1,904 1,740 1,559 1,436 1,437
54 - 56  612 944 1,045 1,067 1,167 1,244 1,506 1,501 1,569 1,763 1,950 1,787 1,602 1,381 1,284 1,243 1,159 1,096 1,003 972
57 - 59  371 568 641 679 759 910 1,123 1,128 1,164 1,236 1,409 1,296 1,008 787 632 560 468 440 425 428
60 - 64  387 646 835 833 752 987 1,368 1,487 1,333 1,323 1,427 1,143 843 592 449 355 330 294 283 320
65 & over 225 515 780 848 872 1,406 2,195 2,012 1,469 1,210 1,111 739 443 275 207 115 104 91 98 90
Total 128,107 148,142 150,526 156,250 157,032 154,411 167,420 173,791 178,533 198,738 212,485 207,330 201,187 192,257 186,477 182,537 176,938 170,037 154,608 149,229
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

Source: Ministry of Social Development.

This is a supporting table for Table 2, Chapter 2, Page 15 of the Student Loan Scheme Annual Report 2019/20

Borrowers under 26 years 109,115 115,618 121,163 134,826 143,181 141,857 141,226 137,869 135,122 133,283 130,426 125,858 112,420 107,475
Percentage of borrowers aged 26 or younger  65.2% 66.5% 67.9% 67.8% 67.4% 68.4% 70.2% 71.7% 72.5% 73.0% 73.7% 74.0% 72.7% 72.0%

Borrowing

Since 1992, 1.37 million students have borrowed a total of $28.8 billion through the Student Loan Scheme (net of refunds to Studylink, and inclusive of administration charges, to 30 June 2020). Borrowers have repaid $16,949 million. More than 660,000 borrowers have repaid their loans since the scheme began.

In 2019 there were less students entering the student loan scheme overall however, the demographics of new active borrowers shows new borrowers increased substantially from 2018. This is due to the delay in borrowers entering the scheme for the first time due to first year fees-free. This is also why the median age of new borrowers has increased from 19 to 20 years.

Borrowing trends since 1992
Table C2_F6: Borrowing trends since 1992
1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

Source: Ministry of Social Development and Ministry of Education

Refer to Figure 6, Chapter 2, Page 16 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Borrowing amount includes establishment fees.
  2. The lending amount includes admin fees but did not take account of refunds (i.e. all lending regardless of any refunds back to MSD)
Loan borrowings ($m) 160 272 342 398 444 577 654 566 782 915 940 995 983 989 1,107 1,180 1,241 1,389 1,551 1,583 1,574 1,599 1,601 1,622 1,602 1,568 1,452 1,472
Borrowers 44,202 68,411 79,338 89,817 95,411 105,038 114,387 115,142 128,107 148,142 150,526 156,250 157,032 154,411 167,420 173,791 178,533 198,738 212,485 207,330 201,187 192,257 186,477 182,537 176,938 170,037 154,608 149,229
Number of total active borrowers and new active borrowers in each academic year
Table C2_F6.1: Number of total active borrowers and new active borrowers in each academic year
Year Total active borrowers New active borrowers

Source: Ministry of Social Development and Stats NZ IDI

This is a supporting table for Table 2, Chapter 2, Page 15 of the Student Loan Scheme Annual Report 2019/20

Notes:

The apparent discrepancy in the 1992 figures is due to different data sources.  The figures for all borrowers were provided by the Ministry of Education, while the figures for new borrowers were provided by Statistics New Zealand from the integrated dataset on student loans and allowances.

2019 149,229 34,212
2018 154,608 30,613
2017 170,037 42,136
2016 176,938 44,566
2015 182,537 46,721
2014 186,477 49,038
2013 192,257 51,732
2012 201,187 54,836
2011 207,330 57,024
2010 212,485 63,535
2009 198,738 61,266
2008 178,533 54,330
2007 173,791 54,309
2006 167,420 56,007
2005 154,411 46,920
2004 157,032 49,575
2003 156,250 52,593
2002 150,526 53,046
2001 148,142 59,031
2000 128,107 56,160
1999 115,142 44,844
1998 114,387 46,884
1997 105,038 44,931
1996 95,411 42,015
1995 89,817 42,735
1994 79,338 38,415
1993 68,411 43,965
1992 44,202 44,259
Demographic characteristics of all active student loan borrowers
Table C2_T3: Demographic characteristics of all active student loan borrowers

Source: Ministry of Social Development

Refer to Table 3, Chapter 2, Page 17 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Borrowers can select more than one ethnic group so the sum of all ethnic groups may not add to 100 percent.
  2. Other includes borrowers who identified themselves with three or more ethnic groups.
  3. All percentages are of all active borrowers.
  4. The total number of borrowers includes those who identified themselves as gender diverse.
  5. Active student loan borrowers are those who borrowed from the loan scheme in the calendar year
  6. Numbers are not a true reflection of gender diversity as the option only became available when applying for a student loan on 2 December 2019.
All active borrowers 2018 2019 2018 - 2019 change
n %
Total number  154,608 149,229 -5,379 -3.5
Gender Female  94,901 92,243 -2,658 -2.8
Male  59,707 56,969 -2,738 -4.6
  Gender Diverse   17    
Age  Average age  25 26    
Median age 22 22    
20 years and under  46,450 42,485 -3,965 -8.5
21-26 years 65,970 64,990 -980 -1.5
27-50 years  38,943 38,507 -436 -1.1
Over 50 years        3,245 3,247 2 0.1
20 years and under (%) 30.0 28.5    
21-26 years (%) 42.7 43.6    
27-50 years (%) 25.2 25.8    
Over 50 years (%) 2.1 2.2    
Ethnic group European (%) 62.3 61.0    
Māori (%) 18.1 17.6    
Pacific people (%) 9.4 9.3    
Asian (%) 15.0 15.4    
Other (%) 4.3 4.4  
Demographic characteristics of new active student loan borrowers

This table is produced online only

Table C2_T3.1: Demographic characteristics of new active student loan borrowers

Source: Ministry of Social Development

This is a supporting table for Table 3, Chapter 2, Page 17 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. New active borrowers are those entering the loan scheme for the first time ever in 2019.
  2. Borrowers can select more than one ethnic group so the sum of all ethnic groups may not add to 100 percent.
  3. Other includes borrowers who identified themselves with three or more ethnic groups.
  4. All percentages are of total new active borrowers.
New active borrowers  2018 2019 2018 - 2019 change
n  %
Total number    30,613 34,212 3,599 11.8
Gender Female  18,369 20,100 1,731 9.4
  Male  12,244 14,112 1,868 15.3
Age  Average age  23 23    
  Median age 19 20    
  20 years and under  20,358 23,143 2,785 13.7
  21-26 years 4,877 5,516 639 13.1
  27-50 years  4,780 4,905 125 2.6
  Over 50 years  598 648 50 8.4
  20 years and under (%) 66.5 67.6    
  21-26 years (%) 15.9 16.1    
  27-50 years (%) 15.6 14.3    
  Over 50 years (%) 2.0 1.9    
Ethnic group European (%) 57.0 53.8    
  Māori (%) 17.6 15.3    
  Pacific people (%) 8.9 8.8    
  Asian (%) 13.1 16.4    
  Other (%) 3.9 4.2  

Loan uptake

The overall loan uptake rate is reflective of both full-time and part-time students. The uptake rate of eligible;

  • full-time students fell from 72 percent (133,863 students) in 2018 to 69 percent (127,921 students) in 2019,
  • part-time students remained static at 33 percent (21,308 students).

The Average and Median amounts borrowed by loan component over the last 10 years show that between 2010 and 2019;

  • average amounts borrowed for course fees increased by 35 percent
  • average amounts borrowed for living costs increased by 51 percent

The average and median amounts borrowed by loan component shows in 2019, the:

  • average amount borrowed for course fees was $6,853 an increase of $191 or 2.9 percent
  • average amount borrowed for living costs increased by $283 (5.1 percent) to  $5,796
Overall loan uptake
Table C2_F7: Overall loan uptake
Year Students eligible to borrow Borrowing uptake Uptake rate

Source: Ministry of Social Development and Ministry of Education

Refer to Figure 7, Chapter 2, Page 17 of the Student Loan Scheme Annual Report 2019/20

Note:

Overall uptake rate reflects the mix of full-time and part-time students.

2019 249,651 149,229 59.8%
2018 248,826 154,608 62.1%
2017 246,649 170,037 68.9%
2016 253,737 176,938 69.7%
2015 255,808 182,537 71.4%
2014 257,673 186,477 72.4%
2013 260,462 192,257 73.8%
2012 277,188 201,187 72.6%
2011 278,854 207,330 74.4%
2010 291,171 212,485 73.0%
2009 285,182 198,738 69.7%
2008 264,272 178,533 67.6%
2007 264,618 173,791 65.7%
2006 258,504 167,420 64.8%
2005 257,761 154,411 59.9%
2004 253,406 157,032 62.0%
2003 233,416 156,250 66.9%
2002 240,863 150,526 62.5%
2001 217,349 148,142 68.2%
2000 193,351 128,107 66.3%
Full time uptake

This table is produced online only

Table C2_F7.1: Full-time uptake
Year Full-time students eligible to borrow Full-time student borrowing uptake Full-time uptake rate

Source: Ministry of Social Development and Ministry of Education

This is a supporting table for Figure 7, Chapter 2, Page 17 of the Student Loan Scheme Annual Report 2019/20

2019 185,467 127,921 69%
2018 186,119 133,863 72%
2017 182,438 146,550 80%
2016 188,566 152,561 81%
2015 191,102 158,417 83%
2014 194,704 162,850 84%
2013 198,543 167,666 84%
2012 211,135 174,187 83%
2011 209,665 173,398 83%
2010 216,482 176,314 81%
2009 209,867 163,368 78%
2008 193,328 145,491 75%
2007 192,456 142,031 74%
2006 187,706 136,483 73%
2005 185,379 127,055 69%
2004 178,601 131,407 74%
2003 171,994 133,791 78%
2002 183,735 133,559 73%
2001 160,387 129,391 81%
2000 145,308 115,839 80%
Part-time uptake

This table is produced online only

Table C2_F7.2: Part-time uptake
Year Part-time students eligible to borrow Part-time student borrowing uptake Part-time uptake rate

Source: Ministry of Social Development and Ministry of Education

This is a supporting table for Figure 7, Chapter 2, Page 17 of the Student Loan Scheme Annual Report 2019/20

2019 64,184 21,308 33.2%
2018 62,707 20,745 33.1%
2017 64,211 23,487 36.6%
2016 65,171 24,377 37.4%
2015 64,706 24,120 37.3%
2014 62,969 23,627 37.5%
2013 61,919 24,591 39.7%
2012 66,053 27,000 40.9%
2011 69,189 33,932 49.0%
2010 74,689 36,171 48.4%
2009 75,315 35,370 47.0%
2008 70,944 33,042 46.6%
2007 72,162 31,760 44.0%
2006 70,798 30,937 43.7%
2005 72,382 27,356 37.8%
2004 74,805 25,625 34.3%
2003 61,422 22,459 36.6%
2002 57,128 16,967 29.7%
2001 56,962 18,751 32.9%
2000 48,043 12,268 25.5%
Total amounts drawn by loan component
Table C2_F8: Total amounts drawn by loan component

Source: Ministry of Social Development

Refer to Figure 8, Chapter 2, Page 18 of the Student Loan Scheme Annual Report 2019/20

Year Course Fees Living Costs Course-related Costs
2019 $866,133,763 $503,732,911 $93,799,443
2018 $845,089,395 $497,611,692 $100,164,688
2017 $1,039,317,480 $409,671,677 $108,884,300
2016 $1,060,187,209 $417,357,647 $113,909,186
2015 $1,072,996,999 $420,635,872 $118,075,657
2014 $1,052,825,086 $417,261,354 $120,270,874
2013 $1,056,461,915 $408,732,069 $122,112,645
2012 $1,053,553,315 $381,339,813 $126,950,781
2011 $1,054,837,497 $374,626,602 $140,885,415
2010 $1,007,868,200 $389,071,488 $143,280,132
2009 $885,174,215 $370,949,831 $123,356,530
2008 $787,834,735 $344,317,975 $100,356,596
2007 $736,116,062 $337,486,444 $98,226,493
2006 $688,743,663 $311,270,151 $98,388,233
2005 $609,842,253 $282,500,360 $89,415,201
2004 $589,607,800 $292,994,326 $92,390,309
2003 $593,922,339 $297,737,889 $95,143,228
2002 $560,550,975 $281,638,016 $90,810,508
2001 $551,265,300 $268,628,200 $88,177,896
2000 $468,864,957 $241,736,567 $65,008,000
Average and median amounts borrowed by loan component

This table is produced online only

Table C2_F8.1: Average and median amounts borrowed by component

Source: Ministry of Social Development

This is a supporting table for Figure 8, Chapter 2, Page 18 of the Student Loan Scheme Annual Report 2019/20

2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Course fees ($)
Average  5,076 5,441 5,571 5,850 6,074 6,323 6,453 6,558 6,662 6,853
Median 5,084 5,422 5,666 5,925 6,189 6,426 6,610 6,758 6,790 6,977
Living costs ($)
Average  3,832 3,710 3,774 3,944 4,036 4,179 4,259 4,351 5,513 5,796
Median 3,851 3,537 3,599 3,800 3,958 4,250 4,460 4,643 5,983 6,460
Course-related costs ($)
Average  992 990 988 988 987 988 985 982 981 981
Median 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Component of lending by sub-sector
Table C2_T4: Component of lending by sub-sector
2019 Subsector Number of
borrowers
Borrowing amount
million ($)
Average borrowing ($)

Source: Ministry of Social Development.

Refer to Table 4, Chapter 2, Page 18 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Borrowers are limited to $1,000 per loan contract for course-related costs. Some borrowers have more than one contract in a calendar year; hence the average amount borrowed for course-related costs can exceed $1,000 per borrower.
  2. PTE stands for Private Training Establishment.
  3. Borrowers are counted in each sub-sector they studied at during the year, so the sum of all sub-sectors may not add to the total.
  4. Borrowing amount does not include establishment fees.
  5. Total is individual count
  6. The total number of borrowers is higher than that reported by MSD due to counting  borrowers in every sub-sector that they were enrolled in the year
Course fees  University  81,720 608 7,441
Polytechnic 30,996 161 5,186
Wānanga 1,580 6 4,007
PTE  12,092 91 7,518
Total (StudyLink) 126,388 866 6,853
Course-related costs University  57,241 56 970
Polytechnic 24,846 25 991
Wānanga 2,575 3 999
PTE  10,913 11 1,014
Total (StudyLink) 95,575 94 981
Living costs University  59,294 375 6,329
Polytechnic 17,259 84 4,842
Wānanga 1,279 7 5,220
PTE  9,087 41 4,527
Total (StudyLink) 86,907 507 5,830
Totals University  93,838 1,039 11,071
Polytechnic 36,156 269 7,439
Wānanga 3,008 16 5,179
PTE  16,221 143 8,823
Total (StudyLink) 149,229 1,467 9,827
Average course fees borrowed by sub-sector

This table is produced online only

Table C2_T4.1: Average course fees borrowed by sub-sector
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

Source: Ministry of Social Development

This is a supporting table for Table 4, Chapter 2, Page 18 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. College of education are included with universities.
  2. Borrowers are counted in each sub-sectors they studied at during the year.
Universities  3,833 3,880 3,873 3,888 4,024 4,159 4,278 4,541 4,775 4,927 5,361 5,750 6,001 6,336 6,569 6,847 7,088 7,083 7,233 7,441
Institutes of technology and polytechnics  3,193 3,268 3,597 3,955 3,523 3,708 3,713 3,873 4,030 3,901 4,162 4,562 4,344 4,431 4,667 4,825 4,915 5,009 5,013 5,186
Wānaga 3,927 4,156 4,703 3,678 3,217 3,287 3,242 3,731 3,712 3,740 4,003 4,061 3,225 3,356 3,267 3,475 3,476 3,645 3,932 4,007
Private training establishments  5,071 5,303 5,160 5,059 5,006 5,284 5,575 5,606 5,642 5,644 5,819 6,203 6,775 7,171 7,213 7,513 7,557 7,696 7,565 7,518
Student loan borrowers by level of qualification and average amount borrowed

This table is produced online only

Table C2_T4.2: Student loan borrowers by level of qualification and average amount borrowed

Source: Ministry of Social Development

This is a supporting table for Table 4, Chapter 2, Page 18 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Borrowers are counted in the highest qualification level they studied in the year
  2. Amount borrowed includes establishment fees
Qualification level
n= number of borrowers
$ avg = average amount borrowed
2017 2018 2019
n $ avg n $ avg n $ avg
  1,433 8,684 1,445 10,120 1,451 9,625
Masters, honours, postgraduates certificates and postgraduate diplomas 21,448 10,597 21,187 10,979 21,450 11,361
Bachelors degrees, graduate certificates and graduate diplomas 100,649 10,010 93,444 10,271 91,656 10,781
Level 5–7 certificates/diplomas 17,422 8,274 16,092 8,058 15,101 8,173
Level 1–4 certificates 29,033 6,067 22,409 5,138 19,539 5,274
Other  52 5,112 31 4,011 32 3,797
Total borrower numbers 170,037   154,608   149,229  
Average borrowed for all qualifications   9,220   9,391   9,867

Students are supported through student loans, student allowances or a combination of both. The Student Loan Scheme and the Student Allowance Scheme are interconnected. For the 2019/20 tax year, full-time students could borrow up to $239.76 a week for living costs from the loan scheme, less any student allowances they received. The maximum entitlement is adjusted for inflation on 1 April each year.

In 2019:

  • 22,785 students received student allowances and also used the loan scheme for living costs. This was a decrease of 5.4 percent from 2018
  • 39,710 students used a student allowance only. A reduction of 2.3 percent from 2018.
Number of students borrowing for living cost and receiving student allowances

This table is produced online only

Table C2_T4.3: Number of students borrowing for living cost and receiving student allowances
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2016 2018 2019

Source: Ministry of Social Development and Ministry of Education

This is a supporting table for Table 4, Chapter 2, Page 18 of the Student Loan Scheme Annual Report 2019/20

Student allowances only 42,174 40,332 38,350 39,487 40,363 42,796 52,334 61,192 60,320 57,145 47,210 44,588 43,521 41,878 39,289 40,633 39,710
Student allowances and living costs 21,862 20,494 18,456 19,944 22,116 22,906 30,299 34,753 38,951 39,763 37,889 35,084 31,530 29,150 26,063 24,095 22,785
Living costs only 57,785 57,396 55,580 61,315 65,059 65,944 66,930 66,776 62,020 61,285 65,741 68,310 69,122 68,845 68,098 66,172 64,122
Student allowances compared with student loan living cost borrowing

This table is produced online only

Table C2_T4.4: Student allowances compared with student loan living cost borrowing
2019 Number of students Average allowances ($) Average
living costs loan ($)
Average allowances and living costs loan ($)

Source: Ministry of Social Development

This is a supporting table for Table 4, Chapter 2, Page 18 of the Student Loan Scheme Annual Report 2019/20

Student allowances only  39,710 10,274   10,274
Student allowances and living costs loan 22,785 8,144 2,625 10,769
Living costs loan only 64,122   6,923 6,923

Repayment times

Repayment times are influenced by factors such as;

  • Government policy on tertiary education and on student loans in particular
  • The strength of the labour market
  • The type of study undertaken
  • Whether a borrower stays in New Zealand or spends long periods overseas
  • The amount borrowed

The quartiles of actual and forecast repayment times shows that average amounts borrowed at a higher-level of qualification are similar while those borrowers who studied at a higher level tend to pay their loans off more quickly.

Median Debt and forecast repayment time for leavers
Table C2_T5: Median Debt and forecast repayment time for leavers
2018 Median leaving balance ($) Median post-study repayment time (years)

Source: Stats NZ IDI and Ministry of Education Student Loans Integrated Model

Refer to Table 5, Chapter 2, Page 19 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. The population is those who studied in 2018, did not study in 2019 who completed a qualification at the level shown in 2018.
  2. Forecast repayment times have increased in 2020 due to the expected impact of COVID-19.
All Level 1-4 certificates  9,850 8.3
Level 5-7 diplomas 19,610 9.0
Bachelors and graduate certificates / diplomas 34,530 9.2
Postgraduate 38,770 7.5
Male Level 1-4 certificates  8,570 6.6
Level 5-7 diplomas 20,290 8.2
Bachelors and graduate certificates / diplomas 35,520 8.7
Postgraduate 45,040 7.9
Female Level 1-4 certificates 10,700 9.5
Level 5-7 diplomas 19,380 9.5
Bachelors and graduate certificates / diplomas 33,940 9.5
Postgraduate 34,390 7.3
Median leaving debt and repayment time by ethnicity and level of study for leavers in 2018

This table is produced online only

Table C2_T5.1: Median leaving debt and repayment time by ethnicity and level of study for leavers in 2018
Cert1-4 CertsDip5-7 Bachelors PostGrad All Levels
N Median repayment time (years) Median leaving debt ($) N Median repayment time (years) Median leaving debt ($) N Median repayment time (years) Median leaving debt ($) N Median repayment time (years) Median leaving debt ($) N Median repayment time (years) Median leaving debt ($)

Source: Stats NZ IDI and Ministry of Education Student Loans Integrated Model

Notes:

  1. Counts have been randomly rounded and may not appear to add.
  2. The ethnicity is reported using 'multiple response', meaning that people are counted in each broad ethnic group they identify with.
  3. Repayment times are a mixture of real experience and modelling.
  4. Forecast repayment times have increased in 2020 due to the expected impact of COVID-19.
European 10,167 7.6 9,620 6,351 8.1 17,900 17,724 8.5 30,230 6,381 7.6 38,370 40,623 8.2 23,520
Māori 9,711 11.9 10,110 2,469 10.5 16,710 4,227 9.8 26,230 1,086 8.4 32,570 17,490 10.7 15,220
Pasifika 3,111 10.1 10,820 1,101 11.1 20,030 2,934 10.2 28,610 663 8.5 34,240 7,806 10.1 20,070
Asian 1,215 7.5 9,950 909 7.9 17,550 4,134 8.2 28,590 1,680 7.2 35,560 7,944 7.9 26,230
Forecast repayments times for borrowers who left study in 2018
Table C2_T6: Forecast repayment times for borrowers who left study in 2018
Repayment times (years)
% of leavers 25th percentile median 75th percentile

Source: Stats NZ IDI and Ministry of Education Student Loans Integrated Model

Refer to Table 6, Chapter 2, Page 20 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Counts have been randomly rounded and may not appear to add.
  2. The ethnicity is reported using 'multiple response', meaning that people are counted in each broard ethnic group they identify with.
  3. Shown are quartiles of post-study repayment time. This is a mixture of real experience and modelling.
  4. ''n' indicates that full repayment is not seen to occur in the modelling.
  5. Forecast repayment times have increased in 2020 due to the expected impact of COVID-19.
All 100% 4.6 8.6 14.7
         
By Gender        
Male 38.8% 4.2 7.9 13.2
Female 61.2% 4.9 9.1 15.8
         
By level of study        
Level 1-4 certificates   3.8 9.2 21.2
Level 5-7 certificates/diplomas   4.2 8.7 15.9
Bachelors and graduate certficates/diplomas   5.3 8.6 13.1
Postgraduate   4.1 7.6 11.9
         
By Ethnicity        
European   4.4 8.2 13.1
Māori   5.3 10.7 22.1
Pasifika   5.2 10.1 19.4
Asian   4.5 7.9 12.6
         
By leaving debt band ($000)        
<5 14.6% 0.8 1.9 5.1
5-10 12.7% 2.4 5.1 9.7
10-15 10.2% 3.8 6.7 12.6
15-20 9.4% 4.8 7.6 13.6
20-25 9.2% 5.5 8.2 13.7
25-30 7.9% 6.5 9.3 14.8
30-35 6.9% 7.2 10.2 15.4
35-40 5.7% 7.8 10.9 16.7
40-45 5.2% 8.4 11.5 16.7
45-50 4.2% 9.0 11.7 16.9
50-55 3.0% 9.4 12.9 19.4
55-60 2.6% 10.0 13.5 18.8
60-65 2.2% 10.0 13.4 18.5
65-70 1.5% 10.5 14.0 20.0
>70 4.6% 12.6 17.0 25.4
         
By location        
Always NZ based 77.7% 4.0 7.7 12.8
Not always NZ based 22.3% 7.5 12.7 24.8
Quartiles of actual and forecast repayment times

This table is produced online only

Table C2_T6.1: Quartiles of actual and forecast repayment times by level of study
Level 1-4 certificates Level 5-7 certificates/diplomas Bachelors and graduate certificates/ diplomas Postgraduate
Year of last study 25th percentile Median 75th percentile 25th percentile Median 75th percentile 25th percentile Median 75th percentile 25th percentile Median 75th percentile

Source: Stats NZ IDI and Ministry of Education Student Loans Integrated Model

This is a supporting table for Table 6, Chapter 2, Page 20 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Shown are quartiles of student loan repayment time in years. The data is a mixture of actual repayment performance and projection.
  2. Forecast repayment times have increased in 2020 due to the expected impact of COVID-19.
2018 3.8 9.2 21.2 4.2 8.7 15.9 5.3 8.6 13.1 4.1 7.6 11.9
2017 3.5 9.2 21.3 4.1 9 16.6 4.9 8.4 12.9 3.6 7.4 11.5
2016 3.1 9 22.1 3.7 8.6 15.8 4.7 8.4 13 3.1 7.5 11.8
2015 3.1 9 22.8 3.5 8.2 15.9 4.1 8.1 13 2.8 7 11.9
2014 3 8.5 23.5 3.5 8.1 16.2 3.9 7.8 12.9 2.6 6.1 11.7
2013 3 7.4 21.9 3.4 7.5 16.9 3.8 7.2 12.8 2.5 5.6 11.2
2012 2.9 7 22.7 3.2 6.9 16.5 3.4 6.6 12.7 2.3 5.5 10.9
2011 3.1 7.6 27.2 2.9 6.7 16.4 2.8 6.3 12.5 1.7 4.9 9.9
2010 3.1 7.3 25.7 2.9 6.7 16.9 2.7 6.1 12.4 1.8 4.8 9.8
2009 3.2 7.7 27 2.9 6.7 16.2 2.8 6.3 12.6 1.8 4.5 9.5
2008 3.1 7.6 29.6 2.7 6.3 14.7 2.8 6 12.3 1.9 4.7 9.4
2007 3 7.5 25.8 2.6 6.6 15.5 2.8 6.1 11.9 1.9 4.7 9.8
2006 2.9 7.4 23.1 2.6 6.6 15.4 3 6.3 12.3 2.1 5.1 9.7
2005 2.9 7.4 21.6 2.8 6.7 15.6 3 6.7 12.8 2.5 5.9 10.9
2004 3 7.7 22 2.6 6.6 14.9 2.4 6.3 12.7 1.6 5 10.6
2003 3.1 7.3 19.4 2.5 6.6 15.1 2 6.1 12.9 1.5 4.5 10.5

Repayment performance

Borrowers and balances

As at 30 June 2020, there were 692,486 student loan borrowers, compared with 708,518 at the same time last year, a reduction of 2.3 percent. Borrowers by age group shows the largest group of borrowers are in their early twenties as they are most likely still studying or entering the workforce. Borrowers travelling overseas tend to do so once they finish study therefore show an increase from their mid to late twenties.

Number of borrowers
Table C3_F9: Number of borrowers as at 30 June
Year All borrowers NZB OBB Overall # change Overall % change

Source: Inland Revenue

Refer to Figure 9, Chapter 3, Page 23 of the Student Loan Scheme Annual Report 2019/20

2020 692,486 584,212 108,274 -16,032 -2.3%
2019 708,518 599,678 108,840 -10,669 -1.5%
2018 719,187 610,832 108,355 -13,786 -1.9%
2017 732,973 622,479 110,494 1,219 0.2%
2016 731,754 621,015 110,739 3,406 0.5%
2015 728,348 617,754 110,594 6,911 1.0%
2014 721,437 611,960 109,477 10,469 1.5%
2013 710,968 603,965 107,003 9,736 1.4%
2012 701,232 600,137 101,095 80,074 12.9%
2011 621,158 529,434 91,724 33,659 5.7%
2010 587,499 502,362 85,137 25,700 4.6%
2009 561,799 479,462 82,337 31,510 5.9%
2008 530,289 453,512 76,777 31,030 6.2%
2007 499,259      
Age range of borrower groups

This table is produced online only

Table C3_F9.1: Age range of borrower groups
Age group All Borrowers NZ-based borrowers only Overseas-based borrower only

Source: Inland Revenue

This is a supporting table to Figure 9, Chapter 3, Page 23 of the Student Loan Scheme Annual Report 2019/20

Under 18 238 238 0
18 3,786 3,784 2
19 14,754 14,713 41
20 23,718 23,580 138
21 27,557 27,197 360
22 30,472 29,734 738
23 32,007 30,623 1,384
24 31,917 29,840 2,077
25 31,719 29,038 2,681
26 31,087 27,795 3,292
27 30,415 26,483 3,932
28 29,117 24,732 4,385
29 28,243 23,574 4,669
30 26,268 21,498 4,770
31 23,811 19,312 4,499
32 21,869 17,576 4,293
33 19,784 15,894 3,890
34 18,145 14,362 3,783
35 16,820 13,232 3,588
36 16,213 12,599 3,614
37 15,547 11,765 3,782
38 14,995 11,262 3,733
39 14,299 10,686 3,613
40 13,352 9,780 3,572
41 13,194 9,704 3,490
42 12,518 9,059 3,459
43 11,847 8,530 3,317
44 11,131 7,959 3,172
45 10,575 7,567 3,008
46 9,901 7,096 2,805
47 8,931 6,560 2,371
48 8,416 6,387 2,029
49 7,559 5,830 1,729
50 6,760 5,242 1,518
51 6,225 4,900 1,325
52 5,803 4,548 1,255
53 5,331 4,201 1,130
54 4,819 3,851 968
55 4,745 3,742 1,003
56 4,331 3,459 872
57 4,350 3,484 866
58 4,069 3,282 787
59 3,567 2,876 691
60 3,188 2,592 596
61 2,794 2,348 446
62 2,543 2,099 444
63 2,327 1,930 397
64 2,206 1,838 368
65+ 19,223 15,831 3,392
Grand Total 692,486 584,212 108,274

The borrower base - 692,486 borrowers, owe a total nominal balance of $16,135m. The range and distribution of loan balances shows overseas-based borrowers continue to have higher average loan balances than New Zealand-based borrowers because of interest and (often) late payment interest charges to their loan accounts. The most frequent range being between $10,000 and $15,000. The supporting table shows at the end of June 2020;

  • 56 percent of overseas-based borrows have loan balances over $20,000 compared with 41 percent of New Zealand-based borrowers
  • 20 percent of overseas-based borrowers have loans over $50,000 compared to 9.4 percent of New Zealand-based borrowers.

The comparison of both New Zealand-based and overseas-based borrowers by activity over the last five years uses the following activity segments:

  • Borrowing – those who are currently borrowing from the scheme
  • Borrowing and repaying – those who are borrowing but their income is above the repayment threshold so they are repaying previously drawn loans or making voluntary repayments
  • Repaying – those who have completed study and are repaying their loans
  • Inactive participants – those who have a positive loan balance but did not interact with the scheme in the last financial year

Points to note are:

  • There is a smaller borrower base who are borrowing and/or  making repayments
  • Less repayments being made by both cohorts
  • The number of inactive borrowers for both cohorts has decreased
Aggregated nominal balance
Table C3_F10: Aggregated Nominal Balance
Year Balance ($m) $m increase % increase

Source: Inland Revenue

Refer to Figure 10, Chapter 3, Page 23 of the Student Loan Scheme Annual Report 2019/20

2020 16,135 101 0.6%
2019 16,034 165 1.0%
2018 15,869 134 0.9%
2017 15,735 395 2.6%
2016 15,340 503 3.4%
2015 14,837 602 4.2%
2014 14,235 673 5.0%
2013 13,562 593 4.6%
2012 12,969 899 7.4%
2011 12,070 925 8.3%
2010 11,145 886 8.6%
2009 10,259 686 7.2%
2008 9,573 161 1.7%
2007 9,412 1,042 12.4%
2006 8,370  
Average and median loan balances

This table is produced online only

Table C3_F10.1: Average and Median Loan Balances
Year Average ($) Median ($)

Source: Inland Revenue

This is a supporting table to Figure 10, Chapter 3, Page 23 of the Student Loan Scheme Annual Report 2019/20

2020 23,307 16,422
2019 22,065 16,125
2018 21,467 15,938
2017 20,963 15,271
2016 20,371 14,904
2015 19,731 14,421
2014 19,076 13,882
2013 18,494 13,307
2012 17,276 12,849
2011 16,731 11,880
2010 16,213 11,399
2009 16,129 11,090
2008 16,833 10,883
Range and distribution of loan balances
Table C3_F11: Range and Distribution of loan balances
Balance range NZB OBB All borrowers NZB OBB

Source: Inland Revenue

Refer to Figure 11, Chapter 3, Page 23 of the Student Loan Scheme Annual Report 2019/20

$1 - 1,999 44,502 4,407 48,909 7.6% 4.1%
$2,000 - 3,999 44,445 4,546 48,991 7.6% 4.2%
$4,000 - 5,999 43,761 4,910 48,671 7.5% 4.5%
$6,000 - 7,999 42,916 5,254 48,170 7.3% 4.9%
$8,000 - 9,999 37,997 5,380 43,377 6.5% 5.0%
$10,000 - 14,999 73,674 13,048 86,722 12.6% 12.1%
$15,000 - 19,999 59,052 10,597 69,649 10.1% 9.8%
$20,000 - 24,999 49,933 9,630 59,563 8.5% 8.9%
$25,000 - 29,999 38,753 8,160 46,913 6.6% 7.5%
$30,000 - 34,999 31,523 6,733 38,256 5.4% 6.2%
$35,000 - 39,999 26,157 5,544 31,701 4.5% 5.1%
$40,000 - 44,999 20,811 4,735 25,546 3.6% 4.4%
$45,000 - 49,999 15,768 3,776 19,544 2.7% 3.5%
$50,000 - 54,999 12,203 3,449 15,652 2.1% 3.2%
$55,000 - 59,999 9,864 2,811 12,675 1.7% 2.6%
$60,000 - 79,999 21,438 6,915 28,353 3.7% 6.4%
$80,000 - 99,999 6,952 3,551 10,503 1.2% 3.3%
$100,000 - 119,999 2,571 1,951 4,522 0.4% 1.8%
$120,000 - 139,999 1,150 1,191 2,341 0.2% 1.1%
> $139,999 742 1,686 2,428 0.1% 1.6%
Total 584,212 108,274 692,486 100% 100%
Borrower numbers by activity

This table is produced online only

Table C3_F11.1: Borrower numbers by activity
2015/16 2016/17 2017/18 2018/19

Source: Inland Revenue

This is a supporting table to Figure 11, Chapter 3, Page 23 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. Repayments/Lending - loans closed are not included and therefore neither are the transactions
  2. These are point-in-time volumes therefore may differ from the numbers in other tables.
  3. Data for 2019/20 is not yet avaliable.
New Zealand-based borrowers Borrowing  104,848 96,070 78,677 74,800
Borrowing and repaying 88,766 90,153 91,731 88,105
Repaying 301,189 309,590 317,654 315,448
Inactive 171,847 171,972 171,663 170,538
Overseas-based borrowers Repaying 48,242 51,207 52,038 50,478
Inactive 63,660 61,242 58,680 60,054
Total   778,552 780,234 770,443 759,423

Borrower segments

Summary of student loans at 30 June
Table C3_T8-10: New Zealand-based borrowers summary
2018 2019 2020
Number of borrowers   610,832   599,678 584,212
Nominal balance ($m)     12,550     12,607 12,611
Median loan ($)     15,064     15,101 15,585
Average loan ($)     20,546     21,024 21,697
Table C3_T8-10: Overseas-based borrowers summary
2018 2019 2020
Number of borrowers   108,355   108,840 108,274
Nominal balance ($m)       3,318       3,426 3,524
Median loan ($)     21,924     22,448 23,366
Average loan ($)     30,624     31,481 32,528
Table C3_T8-10: All borrowers summary
2018 2019 2020

Source: Inland Revenue

Refer to Tables 8-10, Chapter 3, Page 24 of the Student Loan Scheme Annual Report 2019/20

Number of borrowers   719,187   708,518 692,486
Nominal balance ($m)     15,869     16,034 16,135
Median loan ($)     15,938     16,125 16,422
Average loan ($)     22,065     22,630 23,307

Loan repayments

Overall loan repayments have continued to increase. However, repayments through the PAYE system show an increase of 9.7% ($96.6m). This increase reflects the movement of the Scheme accounts to Inland Revenue’s new platform in 2020. This meant student loan repayments made through the PAYE system are now accounted for earlier than in previous years. An additional $70m was attributed to the 2019/20 year as a result of this move.  Table 7.1 Loan repayments direct from borrowers shows a breakdown of payments directly from New Zealand-based and overseas-based borrowers.

Loan repayments
Table C3_T7: Loan Repayments
Repayments 2017/18 2018/19 2019/20
$million

Source: Inland Revenue

Refer to Table 7, Chapter 3, Page 24 of the Student Loan Scheme Annual Report 2019/20

PAYE $960.7 $996.2 $1,092.8
From borrower $387.4 $374.5 $384.4
Total $1,348.1 $1,370.7 $1,477.2
Annual % change
PAYE 7.3% 3.7% 9.7%
From borrower 2.6% -3.3% 2.7%
Total 5.9% 1.7% 7.8%
Loan repayments directly from borrowers

This table is produced online only

Table C3_T7.1: Loan Repayments directly from borrowers
2017/18 2018/19 2019/20

Source: Inland Revenue

This is a supporting table for Table 7, Chapter 3, Page 24 of the Student Loan Scheme Annual Report 2019/20

New Zealand-based      
$million 166.1 168.2 172.8
Annual % change 2.2% 1.3% 2.7%
       
Overseas-based      
$million 221.3 206.3 211.6
Annual % change 3.0% -6.8% 2.6%
       
Total      
$million 387.4 374.5 384.4
Annual % change 2.6% -3.3% 2.6%

Overdue repayments

Student loan repayments become overdue when borrowers do not meet their repayment obligation by the due date. Overall, the number of borrowers with overdue repayments reduced slightly in 2020. The total amount overdue increased by 6.6 percent on the previous year. Overseas-based borrower default continues to impact on the overall level of default. The amount in default increases as late payment interest is added to overdue amounts.  The longer borrowers are out of New Zealand the less engaged they are with their student loans. Overdue amounts continue to increase for both New Zealand-based (0.9%) and overseas-based borrowers (7.2%). New Zealand-based borrower default is mostly affected by returning overseas-based borrowers whose default is recorded as New Zealand-based once the borrower has been in New Zealand for more than six months. From April 2020 any unpaid amount after 30 September is now treated as an overdue amount, unpaid amounts for the 30 Sept due date are now reported as debt after the due date, rather than waiting until 31 March. Late payment interest is still only applied after 31 March.

Overdue repayments
Table C3_T11: Overdue repayments as at 30 June 2020
Overdue repayments 2018 2019 2020 % Change
2019-20

Source: Inland Revenue

Refer to Table 11, Chapter 3, Page 25 of the Student Loan Scheme Annual Report 2019/20

New Zealand-based        
Overdue amount ($m)        116.2        131.9 133.1 0.9%
No. of borrowers      26,021      28,221 29,389 4.1%
Average amount outstanding ($)     4,466.0     4,673.2 4,527.4 -3.1%
Overseas-based        
Overdue amount ($m)     1,205.2     1,349.2 1,446.2 7.2%
No. of borrowers      75,375      75,882 74,215 -2.2%
Average amount outstanding ($)   15,990.0   17,779.6 19,486.1 9.6%
Total/overall        
Overdue amount ($m)     1,321.5     1,481.0 1,579.2 6.6%
No. of borrowers    101,396    104,103 103,604 -0.5%
Average amount outstanding ($)   13,032.6   14,226.8 15,242.8 7.1%
Age and location of overdue repayments
Table C3_T12: New Zealand-based age and location of overdue repayments at 30 June 2020
2016 2017 2018 2019 2020
Age of overdue
repayments
$ million % $ million % $ million % $ million % $ million %
0-1 month 5.3 5.8% 3.6 3.6% 4.9 4.3% 4.5 3.4% 1.0 0.7%
2-3 months 12.9 14.1% 12.4 12.4% 13.1 11.3% 13.2 10.0% 10.4 7.8%
4-6 months 3.9 4.3% 3.9 3.9% 4.4 3.8% 4.6 3.5% 4.6 3.5%
7-12 months 4.1 4.5% 4.4 4.4% 4.0 3.5% 5.4 4.1% 1.9 1.4%
1-2 years 13.5 14.8% 14.6 14.7% 15.4 13.3% 15.1 11.4% 17.7 13.3%
2-5 years 20.0 22.0% 26.5 26.6% 34.4 29.6% 39.7 30.1% 39.4 29.6%
>5 years 31.4 34.5% 34.0 34.2% 40.0 34.4% 49.4 37.5% 58.1 43.7%
Total 91.2 100.0% 99.3 100.0% 116.2 100.0% 131.9 100.0% 133.1 100.0%
Table C3_T12: Overseas-based age and location of overdue repayments at 30 June 2020
2016 2017 2018 2019 2020
Age of overdue
repayments
$ million % $ million % $ million % $ million % $ million %

Source: Inland Revenue

Refer to Table 12, Chapter 3, Page 25 of the Student Loan Scheme Annual Report 2019/20

0-1 month 3.9 0.4% 3.1 0.3% 3.5 0.3% 2.7 0.2% 0.4 0.0%
2-3 months 155.9 15.9% 154.7 14.0% 148.7 12.3% 142.9 10.6% 72.0 5.0%
4-6 months 5.3 0.5% 3.3 0.3% 4.8 0.4% 2.5 0.2% 2.0 0.1%
7-12 months 7.9 0.8% 9.1 0.8% 6.3 0.5% 16.9 1.3% 65.1 4.5%
1-2 years 153.3 15.6% 152.9 13.8% 148.5 12.3% 148.3 11.0% 131.6 9.1%
2-5 years 310.7 31.6% 356.4 32.2% 385.4 32.0% 411.3 30.5% 405.4 28.0%
>5 years 345.7 35.2% 427.8 38.6% 508.0 42.1% 624.5 46.3% 769.8 53.2%
Total 982.6 100.0% 1,107.3 100.0% 1,205.2 100.0% 1,349.1 100.0% 1,446.2 100.0%

Number of loans fully repaid
Table C3_F12: Number of loans fully repaid at 30 June 2019
Year Loans repaid

Source: Inland Revenue

Refer to Figure 12, Chapter 3, Page 26 of the Student Loan Scheme Annual Report 2019/20

Note:

Historical data can be changed because loans can be booked to previous tax years when they are repaid.

2019 45,205
2018 48,235
2017 42,465
2016 43,100
2015 41,134
2014 39,544
2013 42,290
2012 34,141
2011 32,133
2010 30,598
2009 28,625
2008 25,092
2007 21,704
Write off due to death, bankruptcy or fraud
Table C3_T13: Write off due to death, bankruptcy or fraud
Write-offs 2017/18 2018/19 2019/20
$millions

Source: Inland Revenue

Refer to Table 13, Chapter 3, Page 26 of the Student Loan Scheme Annual Report 2019/20

Bankruptcy 32.2 23.6 13.6
Death 31.1 25.7 30.8
Fraud     0.26
Borrowers
Bankruptcy 827 835 1,054
Death 2,605 1,803 1,898
Fraud     <5

Funding

Summary of student loans at 30 June
Table C4_F13: Movement in the fair value due to impairment and discount rate changes over the last five years
At 30 June 2016 2017 2018 2019 2020
$ millions

Source: Ministry of Education

Refer to Figure 13, Chapter 4, Page 28 of the Student Loan Scheme Annual Report 2019/20

Impairment -89 45 103 211 -476
Discount rate 408 -140 190 734 343
Lending and initial write down on this lending
Table C4_F14: Lending and initial write down on this lending
2005/06 2006/07 2007/08 2008/09 2009/10 2010/11 2011/12 2012/13 2013/14 2014/15 2015/16 2016/17 2017/18 2018/19 2019/20
$millions

Source: Ministry of Education

Refer to Figure 14, Chapter 4, Page 29 of the Student Loan Scheme Annual Report 2019/20

New lending (including establishment fee) 989 1,116 1,131 1,269 1,434 1,465 1,489 1,481 1,522 1,529 1,522 1,485 1,337 1,360 1,413
Initial fair value write-down 328 488 487 532 728 713 702 536 629 602 659 662 594 563 506
Average cost of lending in cents per dollar 33.16 43.73 43.06 41.92 50.77 48.67 47.15 36.19 41.33 39.37 43.3 44.58 44.43 41.4 35.82
Average cost of lending in cents per dollar lent

This table is produced online only

Table C4_T14.1 - Average cost of lending in cents per dollar lent
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec Jan-Jun July-Dec

Source: Valuation of the Student Loan Scheme

This is a supporting table to Table 17, Chapter 4, Page 32 of the Student Loan Scheme Annual Report 2019/20

40.25 39.15 39.15 47.39 47.39 45.25 45.25 44.62 44.62 39.09 35.19 40.02 41.83 44.99 37.39 43.29 43.32 46.90 43.76 44.53 44.40 44.53 40.18 38.59 34.76 **
Lending and repayments
Table C4_F15: Lending and Repayments
2005/06 2006/07 2007/08 2008/09 2009/10 2010/11 2011/12 2012/13 2013/14 2014/15 2015/16 2016/17 2017/18 2018/19 2019/20
$millions

Source: Ministry of Education

Refer to Figure 15, Chapter 4, Page 30 of the Student Loan Scheme Annual Report 2019/20

New lending 981 1,107 1,122 1,259 1,423 1,453 1,477 1,470 1,511 1,518 1,512 1,475 1,328 1,351 1,404
Repayment -486 -486 -550 -619 -652 -691 -767 -1,054 -1,032 -1,114 -1,209 -1,273 -1,348 -1,371 -1,477
Net cash out 495 621 572 640 771 762 710 416 479 404 303 202 -20 -20 -73
Government’s cost of ownership of the Student Loan Scheme
Table C4_T14: Government’s cost of ownership of the Student Loan Scheme

Source: Ministry of Education

Refer to Table 14, Chapter 4, Page 30 of the Student Loan Scheme Annual Report 2019/20

Fair value of the asset $ 10,395 million
Discount rate for the asset 4.03%
Cost of capital associated with the Student Loan Scheme 2020/2021 $419 million
Agency Costs
Table C4_T15: Agency Costs
2013/14 2014/15 2015/16 2016/17 2017/18 2018/19 2019/20
$ million

Source: Ministry of Social Development, Inland Revenue, Ministry of Education and Stats NZ.

Refer to Table 15, Chapter 4, Page 31 of the Student Loan Scheme Annual Report 2019/20

Note:

All amounts exclude GST.

Ministry of Social Development 16.2 13.4 15.0 15.1 16.5 16.8 18.0
Inland Revenue 33.5 33.9 36.1 37.8 38.7 40.0 39.8
Ministry of Education 0.7 0.7 0.8 0.8 0.9 0.8 1.0
Statistics New Zealand 0.7 0.7 0.7 0.7 0.8 0.9 0.9
Gross agency cost 51.1 48.7 52.6 54.4 56.9 58.5 59.7
Estimated Cost Ratios
Table C4_T16: Estimated Cost Ratios
2015/16 2016/17 2017/18 2018/19 2019/20
Cents per dollar

Source: Ministry of Social Development, Inland Revenue, Ministry of Education and Stats NZ.

Refer to Table 16, Chapter 4, Page 31 of the Student Loan Scheme Annual Report 2019/20

Note:

All amounts exclude GST.

Ministry of Social Development cost of each dollar advanced 0.99 1.02 1.24 1.24 1.28
Inland Revenue cost of each dollar collected 2.99 2.97 2.87 2.92 2.69
  Percentage
Total cost as a percentage of turnover 1.93% 1.98% 2.13% 2.15% 2.07%
Nominal and carrying value movements
Table C4_T17: Nominal and carrying value movements
2005/06 2006/07 2007/08 2008/09 2009/10 2010/11 2011/12 2012/13 2013/14 2014/15 2015/16 2016/17 2017/18 2018/19 2019/20
Notes $million - actual

Source: Ministry of Education and Inland Revenue

Refer to Table 17, Chapter 4, Page 32 of the Student Loan Scheme Annual Report 2019/20

Notes:

  1. The balance at 30 June 2007 has been restated as per table 15 of the 2008 annual report to exclude accrued interest that would be subsequently written off. All other nominal balance figures are as per the accounts as published in annual reports.
  2. Interest and penalty amounts are only available for the 2008/09 and later fiscal years. Prior to this, these amounts are implicit in the balancing item.
  3. The no interest for New Zealand-based borrowers policy came into effect on 1 April 2006.
  4. The establishment fee is the amount charged by MSD to borrowers each time he or she takes out a loan. Before 2012 this was known as the administration fee.
  5. The administration fee is an annual fee added to loans on 31 March. This fee is only charged if a MSD establishment fee has not been charged in the same tax year. This was first charged in 2011/12.
  6. Prior to 2008/09, the balancing item includes penalties and loan interest charged. In 2011/12 the balancing item reflects adjustments over the period.
  7. The interest in 2008/09 is low because in that year $96 million was reversed due to over-charging interest on borrower accounts in prior years.
  8. In all years new lending is net of repayments made to MSD (which were mostly refunded course fees) and the repayments are those made to IRD only.
  9. From 1 April 2012 the initial write-down is applied to new borrowing net of refunded course fees. Prior to this gross lending was written-down.
  10. In the forecast period interest and penalties are considered together.
  11. In the forecast period death write-offs and bankruptcy write-offs are f considered together.
  12. The closing carrying value at June 2018 differs from the opening value the next year by $627 million. This uplift occures because of the switch to fair value accounting on 1 July 2018.
Nominal value                                
  Opening balance 1 7,499 8,370 8,920 9,573 10,259 11,145 12,070 12,969 13,562 14,235 14,837 15,340 15,735 15,869 16,034
  New lending 8 981 1,107 1,122 1,259 1,423 1,453 1,477 1,470 1,511 1,518 1,512 1,475 1,328 1,351 1,404
  Establishment fee 4 8 9 9 10 11 12 12 11 11 11 10 10 9 9 9
  Administration fee 5             20 21 22 22 23 23 23 23 24
  Repayment 8 -486 -486 -550 -619 -652 -691 -767 -1,054 -1,032 -1,114 -1,209 -1,273 -1,348 -1,371 -1,477
  Interest 2, 7, 10       14 119 142 133 156 151 141 135 120 111 110 87
  Penalties 2, 10       42 16 45 50 43 49 58 64 72 74 92 98
  Voluntary Repayment Bonus         0 -5 -17 -16 -32 -14 0 0 0 0 0 0
  Death Write-off 11 -4 -2 -10 -9 -11 -9 -10 -13 -9 -19 -15 -13 -31 -26 -31
  Bankruptcy write-off 11 -11 -9 -16 -11 -15 -10 -12 -9 -15 -16 -18 -20 -32 -24 -14
  Balancing item 6 384 -68 98       12                
  Closing balance   8,370 8,920 9,573 10,259 11,145 12,070 12,969 13,562 14,235 14,837 15,340 15,735 15,869 16,034 16,134
                                   
Carrying value                                
  Open balance 12 6,465 5,569 6,011 6,741 6,553 6,790 7,459 8,291 8,288 8,716 8,864 8,982 9,197 9,929 10,731
  New lending 8 981 1,107 1,122 1,259 1,423 1,453 1,477 1,470 1,511 1,518 1,512 1,475 1,328 1,351 1,404
  Initial write-down on new borrowing 9 -328 -488 -487 -532 -728 -713 -702 -536 -629 -602 -659 -662 -594 -563 -506
  Initial write-down   -1,415                            
  Establishment fee   8 9 9 10 11 12 12 11 11 11 10 10 9 9 9
  Repayment   -486 -486 -550 -619 -652 -691 -767 -1,054 -1,032 -1,114 -1,209 -1,273 -1,348 -1,371 -1,477
  Interest unwind   358 451 406 473 463 484 526 590 579 604 603 602 604 394 331
  Impairment   -13 -151 231 -779 -280 124 286 -484 -12 -269 -140 62 106 211 -476
  Repayment collection allowance                             36 36
  Discount rate changes                             734 343
  Closing carrying value   5,569 6,011 6,741 6,553 6,790 7,459 8,291 8,288 8,716 8,864 8,982 9,197 9,302 10,731 10,395
                                   
Average cost of lending in cents per dollar (headline)                              
      31.17 41.15 40.25 39.15 47.39 45.25 44.62 36.19 41.35 39.35 43.31 44.56 44.43 41.40 35.82

Student allowancesUpdated: Aug-2020

Statistics relating to the number and types of students receiving Student Allowances, and the amounts received.

  • Student allowances 2019 [MS Excel 342kB]
Statistics

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  • SLS 19/20 All Data Tables (XLS, 276.4 KB)

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  • Student Loans Information

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