Footnotes
1. The Government Economic Strategy www.scotland.gov.uk/Publications/2007/11/12115041/0
2. Skills for Scotland: A Lifelong Skills Strategy www.scotland.gov.uk/Publications/2007/09/06091114/0
3. A wider glossary of support terms is available from SAAS - www.saas.gov.uk/jargon_buster.htm
4. www.scotland.gov.uk/Publications/2007/09/05093403/4
5. www.scotland.gov.uk/Publications/2008/09/01093322/7
6. In 1998 and 1999 the UK Government sold off two tranches of student loan debt which are now owned and administered by third parties. The Government still subsidises part of this debt.
7. Student Loans Company figures - rounded - average debt for a course of four or more years - not taking the graduate endowment fee into account.
8. Grant figures are based on current spend on the Young Student's Bursary. Funding for Grants and the cost of loans comes from the Scottish Government. Loan funding is provided by HM Treasury.
9. Grant figures are based on current spend on the Young Student's Bursary.
10. www.scotland.gov.uk/Topics/Statistics/Browse/Lifelong-learning/SIES
11. By 'the system' we are referring to all students supported through the SAAS.
12. While the independent and dependent definitions derive from this Act the have no legal basis, but are set out in guidance from SAAS.
13. The definition of parent here includes a person who has accepted a child as a member of his family.
14. Fee support is currently restricted to a first degree qualification or equivalent.
15. For example those studying for the Ministry, support for some additional year for Medicine, Dentistry and Allied Health Professions.
16. The Labour Market Effects of Qualifications - www.futureskillsscotland.org.uk
17. www.universities-scotland.ac.uk/uploads/publications/Wellbeing%20Scotland%202007.pdf
18. www.universities-scotland.ac.uk/uploads/publications/Prosperity%20Scotland%202006.pdf
19. www.sfc.ac.uk/publications/Learning_for_all_measures_of_success_March_2008.pdf
20. Callender, C. & Jackson, J. 2005. Does the Fear of Debt Deter Students from Higher Education? Journal of Social Policy. V34. N4 pp509-540.
21. Buie, E. 2003. Opportunity knocks or university challenge. Search. N39 pp28-31
22. Joseph Rowntree Foundation (2003) - Losing Out? Socioeconomic disadvantage and experience in further and higher education
23. Davies, P et al (2008) for Sutton Trust - Knowing where to study? Fees, bursaries and fair access.
24. Metcalf, H. 2005. Paying for University: The Impact of Increasing Costs on Student Employment, Debt and Satisfaction. National Institute Economic Review. N191
25. Brennan et al. 2005. Survey of Higher Education Students' Attitudes to Debt and Term-time Working and their Impact on Attainment
26. NUS Scotland - Scotland's Lost Opportunities (2008)
27. Higher and Further Education Students' Income, Expenditure and Debt in Scotland 2004-05
28. www.scotland.gov.uk/Topics/Statistics/Browse/Lifelong-learning/SIES
29. Scottish Budget Spending Review 2007 -www.scotland.gov.uk/Publications/2007/11/13092240/0
30. Scotland's Budget Documents 2008-09: Budget (Scotland) Bill Supporting Document for the year ending 31 March 2009 - www.scotland.gov.uk/Publications/2008/02/21153821/0.
31. Scottish Government figures. These provide a broad estimate of possible costs. In addition there are annual opportunity costs to the learner of £1.9m annually. Opportunity costs represent foregone earnings to the learner.
32. These figures are based on estimates provided for the 2007 Spending Review. Latest projections suggest that the net new lending in 2010-11 will be £135m, based on loan payments of £205m and repayments of £70m.