Scottish graduates are seeing their student loan debt rising at a rate of 6.25% a year. For many, that's a higher rate than they would pay for a mortgage.
The rate has risen rapidly over the past year or so, in response to the high cost of borrowing and high inflation.
The soaring rate will not mean graduates have to pay more each month but it could affect how long it will take for many to repay that debt.
Some fear they will reach retirement age without fully repaying costs incurred in their teens and 20s.
Vonnie Sandlan went to Glasgow Caledonian University in 2002 to study Social Sciences.
After graduating she got a job but did a second stint as a student at the University of the West of Scotland.
She trained to be an early years school teacher and also became president of the National Union of Students in Scotland.
