London Daily

Focus on the big picture.
Friday, Nov 07, 2025

Minimum GCSE threshold for student loans will hit poorest hardest, say experts

Minimum GCSE threshold for student loans will hit poorest hardest, say experts

Critics say government plan to block candidates in England who fail GCSE maths or English is retrograde step
Social mobility experts have warned that government proposals to introduce minimum eligibility requirements for higher education loans in England will hit poorest students hardest, in effect “closing off university prospects at age three” for the most disadvantaged.

On Thursday ministers are expected to outline plans that would prevent pupils from taking out student loans to study at university if they fail maths and English GCSEs, as part of its long-awaited response to the Augar review of post-18 higher education funding.

Proposals to introduce a lifelong loan entitlement (LLE), worth the equivalent of four years of post-18 education to support students to train and study throughout their lives through flexible courses, are also expected to form part of the package of reforms, which are likely to be the subject of a lengthy consultation.

Headlines, however, are likely to focus on any government proposals to limit student numbers and block candidates who fail to pass GCSE maths or English, which many see as a retrograde step to efforts to widen participation in higher education.

Lee Elliot Major, a professor of social mobility at the University of Exeter, warned: “If this is implemented crudely it will effectively be closing off university prospects at age three for many poorer children. Our research shows the depressingly strong link between achieving poorly in early-age tests and failing to get passes in English and maths GCSEs at age 16.

“Children from the lowest fifth of family income backgrounds are five times more likely to leave school without passes in English and maths GCSEs basic skills than those from the highest fifth of incomes,” he added. “We already label a third of pupils taking English and maths GCSEs as failures – this will only condemn them further.”

About 71% of pupils in England achieve a grade 4 in GCSE English and maths, falling to 52% among disadvantaged households. Among English 18-year-olds accepted on university courses, 92% got grade 4 in English and maths in 2020, meaning the 8% who did not might not in future be able to access higher education.

Sir Peter Lampl, the founder and executive chair of the Sutton Trust, warned: “Universities are the key route to social mobility, so it is crucial that young people who have the potential to benefit from higher education are able to do so, whatever their background.

“The introduction of any minimum grade requirement is always going to have the biggest impact on the poorest young people, as they are more likely to have lower grades because of the disadvantages they have faced in their schooling.”

Ryan Shorthouse, the chief executive of the centre-right thinktank Bright Blue and former adviser to the Conservative party on families and education, added: “Restricting access to student loans is not the right way to reduce the government’s subsidy on student loans. It penalises prospective students, disproportionately those from Britain’s poorest families.”

Geoff Barton, the general secretary of the Association of School and College Leaders, said: “Those with the aspiration and commitment to access higher education should be helped to achieve that ambition. To do the opposite smacks of a lack of ambition on the part of the government. It seems more like a case of removing the ladder up, rather than levelling up.”

Other headline measures likely to be announced include the freezing of the tuition fee at £9,250 for another two years, until the end of the current parliament. That will result in an effective cut in university incomes from teaching undergraduates, with the value of the tuition fee already considerably eroded by inflation. In real terms its value by 2024 is likely to be much less than £7,000, depending on the rate of inflation.

The government is also expected to announce a similar freeze on the threshold earnings for student loan repayments, hitting recent graduates who will find themselves having to make higher repayments as their wages rise more quickly above the threshold.
Newsletter

Related Articles

0:00
0:00
Close
UK Signals Major Shift as Nuclear Arms Race Looms
BBC’s « Celebrity Traitors UK » Finale Breaks Records with 11.1 Million Viewers
UK Spy Case Collapse Highlights Implications for UK-Taiwan Strategic Alignment
On the Road to the Oscars? Meghan Markle to Star in a New Film
A Vote Worth a Trillion Dollars: Elon Musk’s Defining Day
AI Researchers Claim Human-Level General Intelligence Is Already Here
President Donald Trump Challenges Nigeria with Military Options Over Alleged Christian Killings
Nancy Pelosi Finally Announces She Will Not Seek Re-Election, Signalling End of Long Congressional Career
UK Pre-Budget Blues and Rate-Cut Concerns Pile Pressure on Pound
ITV Warns of Nine-Per-Cent Drop in Q4 Advertising Revenue Amid Budget Uncertainty
National Grid Posts Slightly Stronger-Than-Expected Half-Year Profit as Regulatory Investments Drive Growth
UK Business Lobby Urges Reeves to Break Tax Pledges and Build Fiscal Headroom
UK to Launch Consultation on Stablecoin Regulation on November 10
UK Savers Rush to Withdraw Pension Cash Ahead of Budget Amid Tax-Change Fears
Massive Spoilers Emerge from MAFS UK 2025: Couple Swaps, Dating App Leaks and Reunion Bombshells
Kurdish-led Crime Network Operates UK Mini-Marts to Exploit Migrants and Sell Illicit Goods
UK Income Tax Hike Could Trigger £1 Billion Cut to Scotland’s Budget, Warns Finance Secretary
Tommy Robinson Acquitted of Terror-related Charge After Phone PIN Dispute
Boris Johnson Condemns Western Support for Hamas at Jewish Community Conference
HII Welcomes UK’s Westley Group to Strengthen AUKUS Submarine Supply Chain
Tragedy in Serbia: Coach Mladen Žižović Collapses During Match and Dies at 44
Diplo Says He Dated Katy Perry — and Justin Trudeau
Dick Cheney, Former U.S. Vice President, Dies at 84
Trump Calls Title Removal of Andrew ‘Tragic Situation’ Amid Royal Fallout
UK Bonds Rally as Chancellor Reeves Briefs Markets Ahead of November Budget
UK Report Backs Generational Smoking Ban Ahead of Tobacco & Vapes Bill Review
UK’s Domino’s Pizza Group Reports Modest Like-for-Like Sales Growth in Q3
UK Supplies Additional Storm Shadow Missiles to Ukraine as Trump Alleges Russian Underground Nuclear Tests
High-Profile Broodmare Puca Sells for Five Million Dollars at Fasig-Tipton ‘Night of the Stars’
Wilt Chamberlain’s One-of-a-Kind ‘Searcher 1’ Supercar Heads to Auction
Erling Haaland’s Remarkable Run: 13 Premier League Goals in 10 Matches and Eyes on History
UK Labour Peer Warns of Emerging ‘Constituency for Hating Jews’ in Britain
UK Home Secretary Admits Loss of Border Control, Warns Public Trust at Risk
President Trump Expresses Sympathy for UK Royal Family After Title Stripping of Prince Andrew
Former Prince Andrew to Lose His Last Military Title as King Charles Moves to End His Public Role
King Charles Relocates Andrew to Sandringham Estate and Strips Titles Amid Epstein Fallout
Two Arrested After Mass Stabbing on UK Train Leaves Ten Hospitalised
Glamour UK Says ‘Stay Mad Jo x’ After Really Big Rowling Backlash
Former Prince Prince Andrew Faces Possible U.S. Congressional Appearance Over Jeffrey Epstein Inquiry
UK Faces £20 Billion Productivity Shortfall as Brexit’s Impact Deepens
UK Chancellor Rachel Reeves Eyes New Council-Tax Bands for High-Value Homes
UK Braces for Major Storm with Snow, Heavy Rain and Winds as High as 769 Miles Wide
U.S. Secures Key Southeast Asia Agreements to Reshape Rare Earth Supply Chains
US and China Agree One-Year Trade Truce After Trump-Xi Talks
BYD Profit Falls 33 % as Chinese EV Maker Doubles Down on Overseas Markets
US Philanthropists Shift Hundreds of Millions to UK to Evade Regulatory Uncertainty in Trump Era
Israeli Energy Minister Delays $35 Billion Gas Export Agreement with Egypt
King Charles Strips Prince Andrew of Titles and Royal Residence
Trump–Putin Budapest Summit Cancelled After Moscow Memo Raises Conditions for Ukraine Talks
Amazon Shares Soar 11% as Cloud Business Hits Fastest Growth Since 2022
×