Forum menu
Can University debt...
 

[Closed] Can University debts be avoided, or at least reduced?

Posts: 0
Free Member
 

The oil belongs to the UK, not scotland, so theirs no revenue to grab

Doesn't have to be grabbed by Scotland - only pro-rated across the UK (i.e. not just counted as English tax income).


 
Posted : 11/12/2010 6:59 pm
 br
Posts: 18125
Free Member
Topic starter
 

[i]Its the total tax take in Scotland plus the oil revenue is greater than the total Scottish spending. No money raised south of the border is being counted

project - Member

The oil belongs to the UK, not scotland, so theirs no revenue to grab
this is simply factually incorrect. Teh north sea is divided in t 3 main zones - Norwegian, Scottish and English. Most of the poil is in the Scottish sector.[/i]

I'm obviously under a misguided impression that back in 1707 England and Scotland came together to form a Union...

http://en.wikipedia.org/wiki/Acts_of_Union_1707

And this was due to the fact that Scotland had bankrupted itself - and needed 'saving':

http://en.wikipedia.org/wiki/Darien_scheme

So if we can have the cash (and interest) back, then you can clear off.

What a surprise - its gone OT.

Anyway back with the plan - not seen any one come up with an real objections yet?


 
Posted : 11/12/2010 7:27 pm
Posts: 0
Free Member
 

To go back to your plan - I suspect you will have to tell a pack of lies in order for it to work.


 
Posted : 11/12/2010 7:37 pm
Posts: 5559
Free Member
 

So if we can have the cash (and interest) back, then you can clear off.

What a surprise - its gone OT.

As someone contemplating exploiting the Scots system right now for financial gain it is amusing to see you asking for money back


 
Posted : 11/12/2010 7:37 pm
Posts: 0
Free Member
 

to the OP... yes there is a flaw... Scottish Uni fees will have (hopefully not) gone up by then.


 
Posted : 11/12/2010 7:49 pm
 br
Posts: 18125
Free Member
Topic starter
 

[i]To go back to your plan - I suspect you will have to tell a pack of lies in order for it to work. [/i]

Lies? As long as the rules (made by the Government) are followed then no lies will be needed to be told.

But seriously this is really about ensuring that my children are not saddled with [b]vast[/b] debts that will then be 'sequestrated' from them for pretty much their entire working life. And since these debts will be in excess of £50k apiece and (if figures are to be believed) the average gross wage in the UK is less than half that, then [b]vast[/b] is the right word.


 
Posted : 12/12/2010 5:40 pm
Posts: 3388
Free Member
 

without an increase in income for scottish universites, which won't be coming from any govt in the short term at least, scottish universities can't remain fee-free for long.

if they do, they'll no longer become desirable universities to go to, because they'll be pants. i wonder how many scottish university principals [i]really[/i] believe that free education for scottish students (and in some ways EU students bar the english) is good for their universities in the long term.

another short sighted, vote grabbing SNP policy.


 
Posted : 12/12/2010 5:56 pm
Posts: 0
Free Member
 

BR - if yor children are only living with their grandparents for a part of the year then I am not sure the rules will be being followed.


 
Posted : 12/12/2010 6:00 pm
Posts: 0
Free Member
 

Poor troll.


 
Posted : 12/12/2010 6:02 pm
Posts: 0
Free Member
 

another short sighted, vote grabbing SNP policy.

No fees in Scotland when the English ones were introduced was actually introduced by Labour and the LibDems (it being a LibDem policy).


 
Posted : 12/12/2010 6:52 pm
 br
Posts: 18125
Free Member
Topic starter
 

Numbers to show how in the end, it'll still be the taxpayer involved - but a whole host of costs will have also been created (and profits made):

Grabbed from the Indy.

[i]Question: on average how much would someone have to earn per year to pay back their loan (predicted to be £33,879 for a 3 year course or £11,293 per year) after 30 years?

Answer: their average salary would have to be between £38,000-40,000 per year over the 30 year period.

If on average you earned £1,750 per month (£21,000 per year) you would pay £0 per month (£0 per year), so it wouldn't be repaid in 30 years (at this rate it would never be repaid).

If on average you earned £2,083 per month (£25,000 per year) you would pay £30 per month (£360 per year), so it wouldn't be repaid in 30 years (at this rate it would take 94 years to repay). After 30 years the graduate would have paid off £10,800 or about 32% of their loan.

If on average you earned £2,500 per month (£30,000 per year) you would pay £68 per month (£816 per year), so it wouldn't be repaid in 30 years (at this rate it would take 41.5 years to repay). After 30 years the graduate would have paid off £24,480 or about 72% of their loan.

If on average you earned £3,333 per month (£40,000 per year) you would pay £143 per month (£1,716 per year), so it would be repaid in under 20 years.

If on average you earned £4,167 per month (£50,000 per year) you would pay £218 per month (£2,616 per year), so it would be repaid in under 13 years.

If on average you earned £5,000 per month (£60,000 per year) you would pay £293 per month (£3,516 per year), so it would be repaid in under 10 years.

Question: if only 25% of students are going to be able to pay back their entire student loan then who is going to have to pay the outstanding loans for the 75% who won't earn enough to pay it back?

Answer: the taxpayer.

Question: how much will the taxpayer have to pay?

Answer: if there are 481,854 students, then 361,390 (75%) won't pay back their loans. If none of them contribute to their loan the cost to the taxpayer will be £12,243,531,810 (£12 billion). If they all earn £25,000 per year the cost to the taxpayer will be £8,325,601,631 (£8 billion). If they all earn £30,000 per year the cost to the taxpayer will be £3,428,188,907 (£3 billion).

Thus the taxpayer will have to pay between £3-12 billion per year to make up the shortfall.[/i]

And this is all in 'todays' money.

[i]BR - if yor children are only living with their grandparents for a part of the year then I am not sure the rules will be being followed. [/i]

What? Aren't you Scots allowed to leave the country, ever? From what I've seen, according to the 'rules' the eligibility is that you've lived in Scotland for the last three years, not that you are a Scot. I wonder how many 'Scots' are doing the same as I'm suggesting?


 
Posted : 12/12/2010 7:15 pm
Page 2 / 2