Thousands of students will have found out where they will be going to university this week, as the deadline for institutions handing out offers passes.
Many will be questioning how they will fund their university experience, with almost £20billion worth of student loans each year being issued to around 1.5million students in England.
But new research shows that taking out a loan to fund a degrees could make students likely to take on more debt after graduation, taking out nearly twice as much credit on average as someone without a degree.