''For most people, the answer is a firm no. It’s important to understand why there is no ‘real’ cost to student loans, as the interest rate is only ever as high as the rate of inflation.''

What about those of us who graduated only to find work in a bank ---- Where pay rises haven't been given in the last 2 years?

Go to school. Go to sixth form. Go to uni. Get a job.

Or,

Female) Get pregnent to various lads. Male) Commit variuos crimes and watch the money roll in. Jail is a very distant and minor drawback.

I made some poor choices.