While defining student loans as loans, the Teaching and Higher Education Act 1998 does not ban additional guidance being added to a student loan statement. We disagree with the government that additional information would confuse loan holders. There is potential for consumer detriment if people make voluntary repayments to pay off their student loan without fully understanding the benefits of having the loan written off. Any additional information that can be added to a student loan statement that increases loan holders’ awareness of the likelihood or possibility that they may not have to pay their loan off in full is likely to reduce confusion around student loans, not increase it. (Conclusion, Paragraph 96)