Executive Summary · Hidden fees in STEM courses: Many STEM degrees impose extra expenses (lab kits, safety equipment, field trips, professional exam fees, etc.) beyond headline tuition. These costs are often omitted from published fees, forcing students to cover them from maintenance loans or work. For example, UK universities list additional costs like specialist materials, field trip travel and personal protective equipmen. One guide warns some UK STEM courses can add £1,000–£3,000 in lab and equipment fees. These hidden items create uncertainty about how much to borrow. · Rising student debt: Official data show UK students now graduate with record debts (~£53,000 on average for 2024–25). Surveys in the cost-of-living crisis find 82% of students worry about money and 59% report their mental health suffers due to financial stress. In the US, over 45 million borrowers owe $1.8 trillion; those with t...
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