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  1. Yesterday, while queuing at a supermarket, I had a brief conversation with a couple of Bristol University students. They were occupants of a seven bedroom HMO, a private rental house for students, so exempt from council tax. They each had their own room at £120 per week excluding utility bills, and were obliged to pay for 52 weeks, June to June, so £6,240 p.a. They were each paying £9,000 p.a. tuition fees and reckoned they were running up total debts of about £25,000 p.a., so £75,000 for a three year degree course. At RPI plus 3% p.a. they will be paying (out of their take home pay) about £4,500 p.a. in interest alone as soon as they earn over £21,000 p.a. After graduation they will still need somewhere to live, unless they return to their parental home. I feel for them, their future is bleak indeed.
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