Student loans and parental contributions remain vital aspects of students’ personal finances. Students appear to be increasingly restrained in their approach to personal finances, with ¼ considering savings to be a major source of income and 37% relying on work (term time or holidays) as opposed to the 19% of respondents who considered overdrafts and credit cards to be important income sources. Furthermore, around 1/3 of the students we surveyed did not have any current personal debt, and a further 18% had a relatively modest debt of up to £5,000.