“I graduated last year and am about to begin my GDL, which I planned to do full-time. However, I’ve recently become really concerned about taking out a loan, especially the thought of ending up without a TC and having to make those hefty loan repayments. So I’d rather work full-time and pay as I study.

“I have finally managed to get a job offer from a local authority for a graduate position – the pay is good and it seems like a great opportunity. The only problem is that if I accept the job I am expected to study for a Masters degree part-time, which they pay for, and I get a one day off in the week to study.