Is the first part unusual? Perfectly normal around the globe to say that non nationals are not entitled to welfare. If you have been here for years and want to be eligible for benefits then there is … (View Post)

No wage growth? Good wage growth surely is needed to deflate house price to income ratios? (View Post)

Unless you never pay off at all and are perpetually on a 9% higher tax threshold versus someone who pays it off. It takes a high income now to be making any net payments "off" at all, let a… (View Post)

Interest already is RPI in most plans. However if you are leaving Uni with £60k of debt then RPI interest alone is thousands per annum. It takes a salary of nearly £50k to be making even minor net re… (View Post)

Addendum, it is worth noting that RPI has exceeded median wage growth in 13 of the past 18 years (72% of the time). If RPI exceeds wage growth then the real (based on wages, not RPI) amount of debt i… (View Post)