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Higher and Further Education Students' Income, Expenditure and Debt in Scotland 2007-08

DescriptionThis report presents findings from the second study of the income, expenditure and debt of students studying higher education (HE) and further education (FE) in Scotland in 2007-08.
ISBN978 0 7559 7577
Official Print Publication DateJuly 2009
Website Publication DateJune 25, 2009

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Chris Warhurst, Johanna Commander, Dennis Nickson and Anna Symeonides, University of Strathclyde
Andy Furlong, Jeanette Findlay and Fiona Wilson, University of Glasgow
Scott Hurrell, Aston University
ISBN 978 0 7559 7577 8
This document is also available in pdf format (892k)
This full report is also accompanied by research findings 49/2009.

CONTENTS

EXECUTIVE SUMMARY

ACKNOWLEDGMENTS

LIST OF TABLES

1. INTRODUCTION
Background to the Study
Universities, Colleges and Student Numbers
Student Funding in Scotland
Student Finances
Student Income Through Employment
Student Expenditure
Student Debt
Key Implications for Research Design
Aims and Objectives
Research Methods
Research Specification
Research Plan
Stage 1 : Desk Research
Stage 2 : The Quantitative Research and the Surveys
Sampling and the Screening Survey
The Main Survey
The Control Survey
Stage 3 : The Qualitative Stage and Interviews
A Brief Comment on the Research Plan
Outline of the Report

2. HIGHER EDUCATION STUDENTS' INCOME
Introduction
HE Students' Income
Conclusions

3. HIGHER EDUCATION STUDENTS' EXPENDITURE
Introduction
HE Students' Expenditure
Conclusions

4. HIGHER EDUCATION STUDENTS' DEBT AND SAVINGS
Introduction
HE Students' Debt
HE Students' Savings
Conclusions

5. FURTHER EDUCATION STUDENTS' INCOME, EXPENDITURE, DEBT AND SAVINGS
Introduction
FE Students' Income
FE Students' Expenditure
FE Students' Debt
FE Students' Savings
Summary

6. STUDENTS' ATTITUDES AND BEHAVIOUR
Introduction
Main Survey Data
Considerations Before Going to Study
Experiences Whilst Studying
Post-study Expectations
The General Experience, Outcomes and Funding of Study
Interview Data
The Financial Circumstances of the Interviewees
Reasons for Going to University
Thinking About How they Might be Funded
Working Through University
Attitudes to Student Loans
Attitudes to Debt Generally
Attitudes to the Financing of Study
Conclusions

7. COMPARATIVE ANALYSIS
Introduction
The Control Survey Comparisons
Sample Characteristics
Summary
Comparisons with the Previous Scottish Study
Higher Education Comparisons
Further Education Comparisons
Summary
Conclusions

8. CONCLUSION
Introduction
Headline Figures
Student Income
Student Expenditure
Student Debt
Student Savings
Patterns of Student Finances
Limitations to the Current Study and Considerations for Future Research Design
Resources and Incentives
Access
Questionnaire Design
Future Research

REFERENCES

Appendix A: The Screening Survey

Appendix B: The Main Survey

Appendix C: The Interviewees

Appendix D: Technical Details of the Main Survey Analysis

Appendix E: Technical Details of the Control Surveys

The views expressed in the report are those of the author(s) and do not necessarily reflect those of the Scottish Government or any other organisation(s) by which the author(s) is/are employed.

The Scottish Government is making this research report available on-line in order to provide access to its contents for those interested in the subject. The Scottish Government commissioned the research but has not exercised editorial control over the report.

Both documents are published by Education Analytical Services,

Scottish Government,
Victoria Quay, Edinburgh, EH6 6QQ.

If you have any enquiries about these reports

Please contact the Dissemination Officer on 0131-244-0894; by e-mail on recs.admin@scotland.gsi.gov.uk or visit our website www.scotland.gov.uk/insight.

Limited extracts from the text may be produced provided the source is acknowledged. For more extensive reproduction, please write to,

the Chief Researcher at Office of Chief Researcher, 4th Floor West Rear, St Andrew's House, Edinburgh EH1 3DG