Money Lesson Couple

Pay the fees, or let the loan run?

Three years of tuition is a number you can see. What it costs you at ninety, and what it actually saves your daughter, are two numbers nobody puts on the table.

Here is the first one, and an honest account of why the second one is not ours to compute.

Employment Child ISA Investments Expenses

Let the loan run

2 Goals

Fill the living-cost gap the means test leaves, let the tuition ride the fee loan, and invest what the tuition would have cost.

Try this plan

Employment Child ISA Investments Expenses

Pay the tuition

2 Goals

Fill the same gap, and pay the tuition on top so she graduates owing far less.

Try this plan

Let the loan run Pay the tuition

Letting the loan run and investing the same money leaves this couple ~£89.1k better off, and their daughter graduates either way.