Sixthly, ethnicity and religion are related to loan take-up Fourthly, we confirm the relevance of attitudes towards debt when analysing higher education choices in England. A 1 standard deviation rise in debt aversion is associated with a 2.4 percentage point reduction in the probability of loan take-up, effecting the take up of both maintenance and… Continue reading Sixthly, ethnicity and religion are related to loan take-up