Which costs belong in the full ledger?

• Only the brochure's headline fee
• Fees plus living costs plus forgone wages
• Fees only, since the rest do not count

What decides whether a course is worth it for you?

• Its specific costs, odds and returns in your subject
• Its fame alone, whatever the subject
• Whether your friends also applied there

Education debt should be judged on the cash received, not the total repaid.

In what order should you borrow for study?

• Commercial debt first, free support last
• Free support, then official loans, commercial never if avoidable
• Borrow from every source at once

How does a repayment threshold protect low earners?

• It cancels all debt after one year
• It doubles payments for low earners
• Only earnings above the threshold trigger payments

Why include a non-college route in your comparison?

• It may beat a weak college path on the full ledger
• Non-college routes are always worse
• Comparisons need at least four rows

What three details must you check on any scholarship offer?

• Deadline, renewal terms, and whether it stacks with other aid
• Logo size, letter font, and envelope colour
• The donor's hobbies and hometown

A 5000 award looks better than a 500 one. When is the smaller award the better target?

• When it has the latest possible deadline
• When its name sounds more impressive
• When its small pool means odds you can actually win