During our inquiry we heard how the covid-19 pandemic has negatively affected university students. They spent most of 2020 and the first months of 2021 working remotely, with universities only permitted to have 5% of their total students on campus for face-to-face teaching, and many have experienced financial hardship, accommodation and wellbeing issues.147 A NUS Scotland survey of 653 Scottish students published on 14 January 2021 found that: 73% of students are concerned about managing financially during the pandemic, 64% of students say covid-19 has had some impact on their income and 14% of students have used food banks.148