
Kate Ogden
Senior Research Economist at the Institute for Fiscal Studies specializing in student finance and public policy analysis, explaining technical details of loan plans and their distributional effects.
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Feb 12, 2026 • 50min
Are Plan 2 student loans 'unfair'?
Kate Ogden, IFS economist who explains student finance mechanics, and Nick Hillman, HE policy director and former adviser, debate Plan 2 loans. They unpack income-contingent repayments, RPI+3% interest, write-offs, how plans differ across the UK, cohort changes and political choices. Short, clear conversations on who pays and why the system feels like a tax to many.


