Home / Analysis / Tutition Fees and Student Debt. Are Students Asking the Right Questions?

Tutition Fees and Student Debt. Are Students Asking the Right Questions?

Current protests by students have managed to revive student activism reminiscent of the 1960s when ‘student power’ was at its peak. This is of course all thanks to the recent proposals to increase university tuition fees which has ignited the anger of the UK student population, the results of which is clearly evident across various news stations. The National Union of Students (NUS) have issued a number of statements against these proposals; the current President of the NUS, Aaron Porter, accused the Government of betraying a generation saying that the NUS will “resist proposals to increase student fees” based upon the ‘principle of fairness within and between generations.[1] Even prior to Aaron Porter, the Federation of Student Islamic Societies (FOSIS) represented the Muslim student viewpoint highlighting the negative attitude Muslims have towards usury which in turn will ‘derail accessibility to higher education.’[2]

Many higher education establishments have, however, welcomed the proposals citing that they will help maintain and enhance their world-class status. Aside from hiring the finest academic staff, universities also need to have funds available to pursue innovative research with the ultimate aim of bettering the society that we live in.

Although such aims sound noble, a balance must always be maintained, and thus, the anger from the student population is quite understandable. In the current climate, graduates are leaving university in debt only to find themselves confronting a lack of graduate jobs. Combined with the ever increasing material pressures such as scaling the property ladder, how can graduates possibly negotiate the turbulent seas of the property market without a decent income which allows them to save for the dreaded down payment, only to be told that they are going to have to pay even more for their education? Put another way, is it fair for a graduate to start off in debt, and then seek debt only to be told that they are going to be put in even more debt?

The argument against the hike in tuition fees centres around the notion that universities will become a place for the elite few, and for everyone else, they’ll simply have to calculate what the alternatives to higher education are. Ultimately, there may even be a near-complete stagnation in social mobility, as people from poorer backgrounds may be put off from pursuing a higher degree due to the price tag associated with it. Mr Porter, in an article for Channel 4 news[3] stated that the proposals to increase tuition fees will leave students starting their adult life with debts in excess of forty thousand pounds. Mr Porter’s argument centres around the injustices to the new generation, with cuts in child benefit, poor job prospects for graduates and difficulties in getting on the housing ladder. From his article, one concludes that it appears as if the upcoming generation are being forced to shoulder a significant proportion of the National debt, which is the result of the irresponsible behaviour of the generation preceding them.

The student population must evaluate its response to the proposals put forward by government very carefully. They’re quite right to be questioning the proposals put forward by the Coalition Government, as the very people who are putting forward these proposals were themselves paid to go to university in the form of grants. A few years later, the grants were withdrawn and loans became available to students. A further few years later a flat rate university fee was introduced and more recently, top-up fees were added to the bill. If the student voice does not identify the crux of the issue, then indeed, things are likely to get worse. By ignoring the core underlying problems associated with an economic system based around debt and money creation, cuts to public spending will continue and the public will be asked to pay.   Universities are renowned as places where students can freely discuss political ideas and develop their own views on the way society should be run. Perhaps the time has now come for university students to seek a solution by highlighting the problems with our current debt-based economic model, and how an alternative economic paradigm might address some of these issues. 

Although the emotive nature of the situation is understandable, leaders of Student Unions need to closely analyse the problems facing them by firstly asking, why has the Government proposed to raise tuition fees and how is this a problem to students? The answer, as the Prime Minister repeatedly states, is the national deficit. This clause has been the justification of a number of cuts in public spending, including cuts to higher education. In return, the Government are asking graduates to plug the hole that they are leaving Higher Education with by paying more fees.

But why does the deficit even exist in the first place? The response to this lies in the continually increasing national debt that requires the Government to strike a fine balance between paying the debt off whilst keeping enough of a fiscal stimulus (where the government borrows money and spends it) to keep the economy growing. Based upon this very simple principle it is quite clear to see that the central problem is that of debt. The Government has substantial money owing, and some of the ways in which it intends to pay it off is by cutting spending and raising tuition fees, which in turn will put students into deeper amounts of personal debt. Based upon the current state of affairs, it is prudent to ask what students are aiming to achieve by campaigning against the agreed hike in tuition fees. If one supposes that their campaign is successful, will that solve their problem of personal debt (let alone everyone else’s)? Furthermore will such success be a significant actor in reducing the issue of national debt which continues to hound even the poorest of citizens?

When campaigning against the proposed increase to tuition fees, students need to focus their argument on the issue of debt as it seems quite evident that focusing on the key issue may bring about a lasting change as opposed to temporal solutions, and thereby encouraging the rest of the public to begin asking questions about an economic system which is based upon the concept of constantly owing monies. Why is it that we have now reached a point where being in debt is considered to be the norm instead of an exception? Is it right, for example, that a house should have an ever increasing price tag which overburdens graduates and others alike, and that the only way in which one can own a home is through a financial vehicle which not only places the buyer in arrears, but with the lending institution profiting from the buyer’s lack of wealth?

A large amount of graduate debt is a bleak reality for many students, including the vast majority of Muslim students, and so, perhaps students as the next generation who shall reside and govern this country need to take the lead role in asking us to re-examine our perspective towards debt, that it should be a last resort and never the norm. Students must address this issue amongst themselves before raising the issue with the wider public so as to produce a unified response. An article from the Times’ education supplement in 1997 talks about how “expenditure on leisure is now considered an essential part of being a student and the increased credit available has made this possible.”[4] Whilst it is perfectly acceptable for students to enjoy their time in education (in a way that upholds the superior Islamic morals and values of course), they must do this within their means and not through credit. For the rest of us, there is no harm in enjoying the pleasures of life, provided of course we are not putting ourselves into debt by doing so. Adopting such an attitude leads to moderation and avoids the dangers of excess. God, with His most divine wisdom commands, 

“O Children of Adam; wear your beautiful apparel at every time and place of prayer: eat and drink: But waste not by excess, for Allah loves not the wasters.”[5]

Perhaps it is a little ironic for the student population to be clamouring about the ills of a debt-based economic model, when in fact for years students have tolerated being in arrears during their studies. With such an emphasis on having a good time at university, which obviously costs money (let alone the physical and spiritual impact on themselves), many students have to add all those nights out to their education bill alongside their books and stationary. A loan in combination with an interest free overdraft existed to take care of this. However, a decade ago, the student voice remained silent about the so-called need to take out such loans and overdrafts; perhaps the reason for this was that they had the comfort of knowing that there were plenty of jobs available which would help them to pay their overdrafts and loans off in a relatively short space of time – a perception that even then was self-defeating. Accordingly, I strongly assert that one of the reasons for the rise in tuition fees could be the result of silence from student voices on the issues surrounding starting life as a graduate in arrears, and then continuing to be in debt throughout life. Their silence may have been deemed to be tacit approval of such a system, and moreover, the attitude of the student population at large that living in debt is acceptable may help to explain why we have seen a paradigm shift from being paid to going to university to the current situation of paying ‘top-up’ fees. 

Indeed, the issue of debt is something that affects every member of society – we are all coaxed into the system, from house buying and car financing to credit cards and personal loans. One may argue that given the fact that debt has become such an ubiquitous entity – essentially the norm, we need to learn to live with it. Students too, must learn to be part of this system. A response to this viewpoint can be answered with the analogy of our recent swine flu epidemic. Here was a virus which affected a huge number of people, although the majority of adults with robust immune systems were able to withstand the effects of the virus. Children with weaker immune systems however suffered greatly in this epidemic. Our current debt crisis can be likened to an epidemic which is affecting us all, but more so our students and graduates – or children who do not have the robust immune system of the older generations to overcome it. They should be calling for a solution to these problems, and the solution to overcoming debt is not (and can never rationally be) to create even more debt.

Muslim students have to negotiate all the dilemmas mentioned above alongside maintaining their theological stance that interest is a major sin. It is quite right for Muslim students to air such a concern although perhaps Muslim students too are as guilty as their non-Muslim colleagues in remaining silent for too long. The issue of Muslim students taking student loans isn’t a new phenomenon, indeed, many Muslim students have been forced to take out such loans in previous years. Furthermore, if banks began to offer fraudulent shari’ah compliant student loans (in which interest was hidden under an Islamic guise) to Muslim students in response to hikes in university fees, would that be deemed as an appropriate way in which to address their disapproval in dealing with interest? Perhaps Muslim students need to start promoting an interest-free economic paradigm, and possibly collaborate with other groups on this issue who also understand the dangers of a system bathed in debt and interest. Only by pushing to raise awareness about this dirty bath can we begin to discuss how to cleanse it.

The next article shall discuss the current economic model and how it immorally relies on the mass populace to remain in debt, God willing. Subsequent articles shall, by the will of God, discuss the depravity of such a system as well as tangible and systematic ways in which we can bring about change.


Source: www.islam21.com

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[1] Aaron Porter. Higher tuition fees: a generation betrayed and a case not made. http://www.nus.org.uk/en/News/Aaron-Porters-Blog/Dates/2010/10/Higher-tuition-fees-a-generation-betrayed-and-a-case-not-made/. Viewed on 14th December 2010

[2] FOSIS Press Release. FOSIS disappointed with Government Proposals for Higher Education Funding. http://fosis.org.uk/media/press-releases/768-fosis-disappointed-with-government-proposals-for-higher-education-funding. Viewed on 14th December 2010
[3] Aaron Porter. Student debt: the £40k question for Lord Browne. http://www.nus.org.uk/en/News/Aaron-Porters-Blog/Dates/2010/10/Student-debt-the-40k-question-for-Lord-Browne/. Viewed on 14th December 2010
[4] Hannah Baldock. Students Prefer Bar to Rally (Times Higher Education). http://www.timeshighereducation.co.uk/story.asp?storyCode=101184&sectioncode=26. Viewed on 14th December 2010
[5] Surah al-A’raaf 7:31




About Sameer Mallick


  1. Dear Ken
    Dear Ken.

    Thank you for your comments.

    Can I ask you, what do your comments have to do with the topic on the issue of tuition fees and student debt?

    Perhaps your viewpoint would be better suited on another article.


  2. Islam – the fastest growing religion?
    One friend said that Islam was the fastest growing religion and that the points I made about Coesion and intimidation were so silly that he was laughing at me – This news came in today –
    “Christians in the Ethiopian city of Besheno are being harassed and physically abused after Muslims posted notices on the doors of Christian homes warning them to convert, leave the city or face death.

    Three Christian leaders were forced to flee the city and two Christians have been forced to convert to Islam. In the Muslim majority city, the entire evangelical Christian community consists of about 30 believers.

    Evangelist Kassa Awano remains in critical condition after Muslims attacked him on November 29, 2010. A few days after the attack, nearly 100 Muslims surrounded a vehicle carrying Christian leaders on their way to negotiate for peace with Muslim leaders. Two men, Tesema Hirego and Niggusie Denano, were seriously wounded, and the other leaders suffered minor injuries. On January 2, Muslims assaulted Temesgen Peteros with a knife after he testified about the attacks on these Christians in court.

    Christians in Besheno have been targeted by Muslims for many years. On May 21, 2004, Muslims murdered the 7 year-old daughter of Evangelist Tesfaye Hobe. Muslims continuously attack Christians for listening to Christian songs and watching Christian videos.”

    No wonder Islam (a religion of Peace?) is growing so fast (not faster than Christianity I hasten to add) – It is the bully of all religions. ‘Become one of us and do what we say or we’ll kill you.’

    Are you guys going to get out there and complain about the treatment of Christians? or don’t they matter as much as Hamas in Gaza and Hezbollah in Lebanon?

  3. Enquiry
    Dear Brother,

    Is it possible to get your contact details? please email me, i would like to invite you to Press TV.


  4. Mohammed Ashik

    As-salaamu alaikum, that’s right but his comments are being played down and pretty much ignored.

    I forgot to mention: stop the wars!!! Our money is being used to pay for the wars. Visit http://stopwar.org.uk/content/view/1531/195/ for more info and how you can help.

    Just a couple of things which will inshaAllah will help those who want to learn more:

    There are a number of video documentaries out there, one of them is particulary good, although long and in some parts hard to watch, but you’ll learn loads inshaAllah:
    a) The Money Masters: http://whygoldandsilver.com/videos/full-length-documentaries/the-money-masters

    The Money Reform Party:
    b) http://www.moneyreformparty.org.uk/

    Positive Money (highly recommended):
    c) http://www.positivemoney.org.uk/

    Brother Tarek Diwany’s books, video and website: (please support the brother)
    d) http://www.theproblemwithinterest.com/index.html
    and http://www.islamic-finance.com/indexnew.htm

    The Islamic Finance facebook group:
    e) http://www.facebook.com/pages/Islamic-Finance/108946035830155

    And lots of dua inshaAllah.

  5. Brother I particularly like your comment on collaborating with other people who think in a similar fashion, that We need an alternative paradigm. Interestingly, the head of the world bank was recently calling for a return to the gold standard….

  6. Mohammed Ashik

    Some notes
    As-salaamu alaikum. Jazakallah khaiyr for your article. Some interesting points and I look forward to your next article inshaAllah, as I strongly feel it is the current fraudulent, corrupt Keynesian/Western/Capitalist economic system that is the source of the problem, controlled by an elite few, e.g. the cartel of ‘banksters’ aka ‘financial terrorists’ who have put the world in such a mess in the first place. This may sound like a conspiracy theory, but I would recommend everyone to do their own research and check out the facts inshaAllah. Under the current system, the national debt will NEVER be paid off – it’s mathematically impossible.
    With regards to the so-called pandemic flu, again I urge you to check out the facts – there have been investigations into the whole swine flu issue, even news in the mainstream media, e.g. http://www.bbc.co.uk/news/10235558.
    End riba, end fractional reserve banking, end the fraud (ponzi fiat currencies), end speculation/gharar/derivatives/CDOs, aka weapons of mass financial destruction.

    Replace it with sound money (gold, silver & copper or paper for fulus), 100% reserve (can still use electronic systems as long as there’s real money backing it up), and implement a genuinely ethical system which is fair and just. There are a number of financial reform initiatives and lobbying groups, join them, support them, do your own research and don’t rely on the mainstream education system to teach you finance.

    Barakallah feek for your efforts.

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