Written questions by McMurdock.

How many undergraduate courses eligible for student loans have median graduate earnings below the repayment threshold five years after graduation.

Under the current Plan 5 student loan system, the repayment threshold is £25,000. Nationally, graduates across all subject areas have median earnings above this, five years after graduation, with the exception of Performing Arts graduates whose median earnings are £24,500.More detail on courses at specific providers can be found in the department‘s published LEO provider level dashboard, which contains earnings outcomes at five years after graduation for each ‘provider x subject’ combination. This is available here: https://department-for-education.shinyapps.io/leo-provider-dashboard/It should be noted that many of these combinations have outcomes suppressed due to low sample sizes, meaning it is not possible to produce a robust count of the total number of such courses.

With reference to his Department’s press release entitled Clean energy funding to be tied to stronger workers’ rights, published on 4 February 2026, what assessment he has made of the potential impact of the introduction of new employment practices linked to clean energy funding on levels of employment.

The Clean Industry Bonus will ensure public funding supports high quality jobs in offshore wind by requiring firms to sign a Fair Work Charter. The Fair Work Charter commits signatories to provide access to trade unions and to strive for best practice Health and Safety. The associated Impact Assessment , published on GOV.UK, highlights that the overall impact of changes to the Clean Industry Bonus scheme are expected to be positive. The Government estimates that the offshore wind sector will support up to 100,000 jobs by 2030.

What assessment her Department has made of the potential impact of student loan repayments on graduates’ ability to meet basic living costs in South Basildon and East Thurrock constituency.

The department does not hold data specific to South Basildon and East Thurrock.Unlike commercial loans, student loan repayments are linked to income, not to the amount borrowed or interest applied. Borrowers only start repaying their student loan once earnings exceed the threshold, after which they repay at a rate of 9% of income above the repayment threshold, meaning low earning borrowers are protected. For example, a borrower earning £27,000 who started their course in academic year 2025/26 will repay £15 per month.If their income drops, so do the repayments they make towards their student loan. And at the end of the repayment term any outstanding loan debt, including interest accrued, will be cancelled with no detriment to the borrower, and debt is never passed on to family members or descendants.

What assessment her Department has made of the potential impact of the student loan interest rate on costs to the public purse.

Applying interest to the loans ensures that those who benefit financially from higher education (HE) contribute towards the cost of that HE. To ensure the real value of the loans over the repayment term, interest is linked to inflation. Interest increases the face value of the student loan book, but the impact on the fair value depends on complex assumptions about lifetime repayments.In cashflow terms, neither outlay nor repayments are affected by a higher interest rate in the short term. Only when borrowers approach the end of their repayments would there be an increase in repayments through additional interest leading to extended repayment periods up to the maximum of 30 years for Plan 2 and 40 years for Plan 5 loans.

With reference to her Department’s press release entitled Act now: 864,000 sole traders and landlords face new tax rules in two months, published on 5 February 2026, what assessment she has made of the potential impact of the requirement to maintain digital records and submit quarterly tax updates under Making Tax Digital for Income Tax on sole traders and landlords.

The government is undertaking a range of activities to ensure those needing to use Making Tax Digital (MTD) for Income Tax from April 2026 are ready and able to do so successfully. This includes targeted media campaigns, awareness letters, developing guidance, and working with the software industry to ensure a broad range of MTD‑compatible products is available, to suit different needs and budgets. Free options will support those with the simplest affairs. MTD will help businesses and landlords keep on top of their tax affairs. It places small businesses on a more digital footing, with digital tools helping to reduce errors and making annual tax returns easier. HMRC’s latest published assessment of the potential impact of MTD for Income Tax across different taxpayer groups is available at: Extension of Making Tax Digital for Income Tax Self Assessment to sole traders and landlords - GOV.UK

With reference to her Department’s press release entitled Act now: 864,000 sole traders and landlords face new tax rules in two months, published on 5 February 2026, what steps HM Revenue and Customs is taking to ensure that sole traders and landlords impacted by the new Making Tax Digital for Income Tax rules are aware of their obligations.

The government is undertaking a range of activities to ensure those needing to use Making Tax Digital (MTD) for Income Tax from April 2026 are ready and able to do so successfully. This includes targeted media campaigns, awareness letters, developing guidance, and working with the software industry to ensure a broad range of MTD‑compatible products is available, to suit different needs and budgets. Free options will support those with the simplest affairs. MTD will help businesses and landlords keep on top of their tax affairs. It places small businesses on a more digital footing, with digital tools helping to reduce errors and making annual tax returns easier. HMRC’s latest published assessment of the potential impact of MTD for Income Tax across different taxpayer groups is available at: Extension of Making Tax Digital for Income Tax Self Assessment to sole traders and landlords - GOV.UK

What estimate she has made of the proportion of the total value of Plan 2 student loans issued since 2012 that will be written off.

The department does not hold an estimate of the proportion of total Plan 2 outlay since 2012 that will be written off. We forecast subsidy portions for outlay for current and future financial years.We estimate a resource accounting and budget (RAB) charge of 34% for Plan 2 loan outlay issued in the 2025/26 academic year to English domiciled borrowers. The RAB charge represents the subsidy portion of loan outlay as recorded in departmental accounts.Outstanding debt, including interest accrued, is cancelled at the end of the loan term with no detriment to the borrower, and debt is never passed on to family members or descendants. There are no commercial loans that offer this level of borrower protection. This cancellation/subsidy is a conscious investment in our young people and the skills capacity, people and economy of this country.

Whether her Department has made an assessment of the potential impact of the tax treatment of the State Pension and Pension Credit on the relative incomes of pensioners.

The Government is committed to making sure older people can live with the dignity and respect they deserve in retirement. The State Pension will remain the foundation of retirement income. In line with the Government’s commitment to the Triple Lock for the duration of this parliament, over 12 million pensioners will benefit from a 4.8% increase to their basic or new State Pension in April 2026, worth up to £575 a year. This follows a substantial increase in 2025/26, when those on the full new State Pension received a £360 boost. The Pension Credit Standard Minimum Guarantee will also increase by 4.8% in April 2026, from £227.10 to £238 a week for single pensioners and from £346.60 to £363.25 for couples, protecting the poorest pensioners. Pension Credit is not subject to income tax. Pension income, whether State or occupational, is a form of income like earnings and, as such, is taxable, subject to any personal tax allowances. The vast majority of pensioners paid tax under the previous Government, with 8.3 million taxpayers over State Pension age in 2024/2025.

What assessment he has made of the potential implications for his policies of the Competition and Market Authority’s report entitled The Competition and Markets Authority (CMA) is conducting a market investigation into veterinary services for household pets, published 7 September 2023.

Competition issues and pricing practices in the veterinary services market are currently being examined by the Competition and Markets Authority (CMA) as part of its market investigation into veterinary services for household pets. The CMA is expected to publish its final report by March. The Government will consider the CMA’s final findings and respond to the report within 90 days of its publication.

Pursuant to Answer of 2 February 2026 to Question 108145 on Graduates: Employment, how many higher education providers are currently at risk of regulatory intervention.

As the independent regulator of higher education, the Office for Students makes independent decisions about regulatory interventions.

With reference to her Department’s press release entitled Act now: 864,000 sole traders and landlords face new tax rules in two months, published on 5 February 2026, what assessment she has made of the adequacy of awareness of the the new Making Tax Digital for income tax rules among sole traders and landlords.

The government is undertaking a range of activities to ensure those needing to use Making Tax Digital (MTD) for Income Tax from April 2026 are ready and able to do so successfully. This includes targeted media campaigns, awareness letters, developing guidance, and working with the software industry to ensure a broad range of MTD‑compatible products is available, to suit different needs and budgets. Free options will support those with the simplest affairs. MTD will help businesses and landlords keep on top of their tax affairs. It places small businesses on a more digital footing, with digital tools helping to reduce errors and making annual tax returns easier. HMRC’s latest published assessment of the potential impact of MTD for Income Tax across different taxpayer groups is available at: Extension of Making Tax Digital for Income Tax Self Assessment to sole traders and landlords - GOV.UK

With reference to his Department’s press release entitled Clean energy funding to be tied to stronger workers’ rights, published on 4 February 2026, what assessment his Department has made of the potential impact of requiring offshore wind developers to sign up to the Fair Work Charter on workers’ rights.

The Clean Industry Bonus will ensure public funding supports high quality jobs in offshore wind by requiring firms to sign a Fair Work Charter. The Fair Work Charter commits signatories to provide access to trade unions and to strive for best practice Health and Safety. The associated Impact Assessment , published on GOV.UK, highlights that the overall impact of changes to the Clean Industry Bonus scheme are expected to be positive. The Government estimates that the offshore wind sector will support up to 100,000 jobs by 2030.

What steps is he taking to help improve price transparency for veterinary services.

Competition issues and pricing practices in the veterinary services market are currently being examined by the Competition and Markets Authority (CMA) as part of its market investigation into veterinary services for household pets. The CMA is expected to publish its final report by March. The Government will consider the CMA’s final findings and respond to the report within 90 days of its publication.

With reference to his Department’s press release entitled Clean energy funding to be tied to stronger workers’ rights, published on 4 February 2026, what mechanisms his Department will use to (a) monitor and (b) enforce compliance with the Fair Work Charter by offshore wind firms.

Signing the fair work charter will be a condition of Clean Industry Bonus eligibility at the point of application. Enforcement during the delivery phase will be set out in the Charter’s governance chapter. It will set out the dispute resolution process agreed by industry and trade union representatives.

What estimate her Department has made of the cost to the public purse of funding undergraduate courses that do not lead to sustained graduate-level employment.

All first-degree subjects typically lead to high rates of sustained employment, with Longitudinal Education Outcomes data showing that the proportion of graduates in “sustained employment with or without further study” five years after graduation ranges from 77.4% to 92.2% across subjects (in the latest available data, i.e. the 2022/23 tax year). This compares to a 68.0% employment rate among working-age non-graduates (in the latest Graduate Labour Market Statistics release, i.e. for 2024).Current administrative data does not provide a breakdown of outcomes by whether employment is at graduate-level. Similarly, evidence is not available on the breakdown of government costs of student finance at course or subject level.Courses with specific quality concerns related to graduate outcomes are addressed through the Office for Students quality regime.

What information her Department holds on the number of Plan 2 student loan borrowers who have seen their outstanding balance increase despite making regular repayments in South Basildon and East Thurrock constituency in each of the last five years.

There are 330 people with contact postcodes held by the Student Loan Company (SLC) indicating they live in the South Basildon and East Thurrock constituency who have repaid their plan 2 Student Loan.There are 6,530 people in the constituency who currently have outstanding plan 2 student loans; of which 5,700 borrowers have loans that have become liable to repay as they are beyond the statutory repayment due date.In the 2024/25 financial year, 2,100 plan 2 borrowers with loans that had become liable to repay made regular repayments but saw their outstanding balance increase as the total interest added exceeded the total amount repaid over the year. Outstanding debt, including interest, is cancelled at the end of the loan term, with no detriment to the borrower.For this analysis, a borrower is deemed to have made regular repayments if they have made at least four repayments in the 2024/25 financial year. This may include borrowers who stopped their regular repayments or ceased being liable to repay part-way through the year.This will include borrowers who were resident in South Basildon and East Thurrock constituency, including at parental addresses, when they applied for the loan and have not informed the SLC of a subsequent change of address.(Borrower numbers rounded to the nearest 10).

What information her Department holds on the number of people who have outstanding Plan 2 student loans in South Basildon and East Thurrock constituency.

There are 330 people with contact postcodes held by the Student Loan Company (SLC) indicating they live in the South Basildon and East Thurrock constituency who have repaid their plan 2 Student Loan.There are 6,530 people in the constituency who currently have outstanding plan 2 student loans; of which 5,700 borrowers have loans that have become liable to repay as they are beyond the statutory repayment due date.In the 2024/25 financial year, 2,100 plan 2 borrowers with loans that had become liable to repay made regular repayments but saw their outstanding balance increase as the total interest added exceeded the total amount repaid over the year. Outstanding debt, including interest, is cancelled at the end of the loan term, with no detriment to the borrower.For this analysis, a borrower is deemed to have made regular repayments if they have made at least four repayments in the 2024/25 financial year. This may include borrowers who stopped their regular repayments or ceased being liable to repay part-way through the year.This will include borrowers who were resident in South Basildon and East Thurrock constituency, including at parental addresses, when they applied for the loan and have not informed the SLC of a subsequent change of address.(Borrower numbers rounded to the nearest 10).

What information her Department holds on the number of people in the South Basildon and East Thurrock constituency who have fully repaid their Plan 2 student loan.

There are 330 people with contact postcodes held by the Student Loan Company (SLC) indicating they live in the South Basildon and East Thurrock constituency who have repaid their plan 2 Student Loan.There are 6,530 people in the constituency who currently have outstanding plan 2 student loans; of which 5,700 borrowers have loans that have become liable to repay as they are beyond the statutory repayment due date.In the 2024/25 financial year, 2,100 plan 2 borrowers with loans that had become liable to repay made regular repayments but saw their outstanding balance increase as the total interest added exceeded the total amount repaid over the year. Outstanding debt, including interest, is cancelled at the end of the loan term, with no detriment to the borrower.For this analysis, a borrower is deemed to have made regular repayments if they have made at least four repayments in the 2024/25 financial year. This may include borrowers who stopped their regular repayments or ceased being liable to repay part-way through the year.This will include borrowers who were resident in South Basildon and East Thurrock constituency, including at parental addresses, when they applied for the loan and have not informed the SLC of a subsequent change of address.(Borrower numbers rounded to the nearest 10).

Innovation and Technology, what steps he is taking to promote media literacy among child users.

Supporting parents and children is central to our media literacy approach. On 10 February, DSIT launched a pilot media literacy communications campaign to give parents tools to help children build resilience and critical thinking skills online. A new Online Safety hub, developed with DfE, will provide everyone in the UK with clear guidance on media literacy and online safety.Under the Online Safety Act, Ofcom has a media literacy strategy that prioritises support for children and families, especially those with additional needs.In formal education, the Department for Education has committed to strengthening media literacy in the updated national curriculum.

Communities and Local Government, if he will list the ten local authorities which incurred the highest asylum-related social care costs in the 2024-25 financial year.

MHCLG collects data about local authorities’ spend on all services through the General Fund revenue outturn collection, including spend on social care for asylum seekers in the General Fund Revenue Account Outturn RO3 - Social Care and Public Health Services. The collection for each financial year is published online here: Local authority revenue expenditure and financing - GOV.UK. The guidance notes which describe what should be captured in each line can be found here: General fund revenue account outturn: specific guidance notes - GOV.UK.The reported spend is available for both the national and local authority level.