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Student Loans January - December 2019

For this report, a student is defined as a person who received at least one payment from StudyLink between the start of the calendar year and the end of the specified reporting month. The data in this report are cumulative calendar year-to-date figures. All percentages are rounded to one decimal point. Total percentages may not add up to exactly 100 percent because of rounding effects. The last three years of data and annual comparisons are presented in the following summary tables. Earlier figures are included in the downloadable spreadsheets.


Demographics of Student Loan borrowers

The following tables provide a summary profile of students who received a Student Loan during the last three calendar years. Detailed data series are available in the downloadable Excel files.


Annual Comparison

Number of borrowers by age group

Age Group January to December Annual Change
2017 2018 2019 2017-18 2018-19
17 years and younger 1,146 574 429 -49.9% -25.3%
18-24 years 113,283 101,271 96,916 -10.6% -4.3%
25-34 years 34,230 32,593 31,870 -4.8% -2.2%
35-44 years 13,036 12,323 12,309 -5.5% -0.1%
45-54 years 6,851 6,442 6,291 -6.0% -2.3%
55 years and older 1,491 1,405 1,414 -5.8% 0.6%
Total number of Student Loan borrowers 170,037 154,608 149,229 -9.1% -3.5%

Note: Details of “55 and older” are available in the downloadable Excel file.

Number of borrowers by gender

Gender January to December Annual Change
2017 2018 2019 2017-18 2018-19
Female 102,230 94,901 92,243 -7.2% -2.8%
Male 67,807 59,707 56,969 -11.9% -4.6%
Gender Diverse - - 17 - -
Total number of Student Loan borrowers 170,037 154,608 149,229 -9.1% -3.5%

Note: From 2 December 2019, applications include three gender options (male, female and gender diverse) for clients to choose from.


Number of borrowers by residential status

Age group January to December Annual Change
2017 2018 2019 2017-18 2018-19
Citizen by birth 128,056 116,058 111,539 -9.4% -3.9%
Citizen 24,026 22,438 22,247 -6.6% -0.9%
Permanent resident 17,532 15,705 15,014 -10.4% -4.4%
Other 423 407 429 -3.8% 5.4%
Total number of Student Loan borrowers 170,037 154,608 149,229 -9.1% -3.5%

Note: “Other” includes students who have refugee status, and those classified as protected person/s. Details of “Other” are included in the downloadable Excel file.


Number of responses by ethnic group

It is not mandatory for students to disclose their ethnicity and students may report more than one ethnicity.

The numbers presented in this table are total responses – students who reported more than one ethnic group were counted in each group they identified with. The total number of responses, therefore, does not add up to the total number of Student Loan borrowers.

Ethnic group January to December Annual Change
2017 2018 2019 2017-18 2018-19
European 106,483 96,282 91,064 -9.6% -5.4%
Māori 31,355 27,972 26,213 -10.8% -6.3%
Asian 25,407 23,268 22,994 -8.4% -1.2%
Pacific peoples 16,736 14,534 13,890 -13.2% -4.4%
Multiple ethnic groups 1,723 1,606 1,547 -6.8% -3.7%
Other ethnic groups 3,772 3,518 3,534 -6.7% 0.5%
Unspecified 4,006 5,285 7,364 31.9% 39.3%
Total number of responses 189,482 172,465 166,606 -9.0% -3.4%
Total number of Student Loan borrowers 170,037 154,608 149,229 -9.1% -3.5%

Note 1: “Multiple ethnic groups” refers to students who self-identified as belonging to three or more ethnic groups (e.g. Māori, Samoan, and European; Māori, Asian and European; etc.).

Note 2: “Other ethnic groups” refers to students identified as belonging to other ethnic groups (e.g. Middle Easterners, Latin Americans, Africans, etc.).

Note 3: Detailed ethnic groups are listed down in the downloadable Excel file.


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