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Student Loans January - September 2019

For this report, a student is defined as a person who received at least one payment from StudyLink in the calendar year, up to the end of the specified reporting month. The data in this report are cumulative calendar year-to-date figures. All percentages are computed using actual data and rounded to the nearest 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 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 from 1 January to 30 September, in the last three years. Detailed data series are available in the downloadable Excel files.


Annual Comparison

Student Loan borrowers by age group

Age is calculated as at the end of the period.

Age group 1 January to 30 September Annual change
2017 2018 2019 2017-18 2018-19
17 and younger 1,658 847 605 -48.9% -28.6%
18–24 113,051 101,139 96,869 -10.5% -4.2%
25–34 31,884 30,326 29,772 -4.9% -1.8%
35–44 12,292 11,617 11,566 -5.5% -0.4%
45–54 6,443 6,021 5,892 -6.5% -2.1%
55 and older 1,296 1,255 1,256 3.2% 0.1%
Total number of Student Loan borrowers 166,624 151,205 145,960 -9.3% -3.5%

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

Student Loan borrowers by gender

Gender 1 January to 30 September Annual Change
2017 2018 2019 2017-18 2018-19
Female 100,130 92,794 90,186 -7.3% -2.8%
Male 66,494 58,411 55,774 -12.2% -4.5%
Total number of Student Loan borrowers 166,624 151,205 145,960 -9.3% -3.5%

Student Loan borrowers by residential status

Residential Status 1 January to 30 September Annual Change
2017 2018 2019 2017-18 2018-19
Citizen by birth 125,487 113,539 109,109 -9.5% -3.9%
Citizen 23,513 21,938 21,731 -6.7% -0.9%
Permanent resident 17,219 15,329 14,697 -11.0% -4.1%
Other 405 399 423 -1.5% 6.0%
Total number of Student Loan borrowers 166,624 151,205 145,960 -9.3% -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.


Student Loan borrowers 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 groups (total response) 1 January to 30 September Annual Change
2017 2018 2019 2017-18 2018-19
European 104,735 94,373 89,175 -9.9% -5.5%
Māori 30,235 27,018 25,344 -10.6% -6.2%
Asian 24,961 22,796 22,513 -8.7% -1.2%
Pacific peoples 16,258 14,107 13,489 -13.2% -4.4%
Multiple ethnic groups 1,663 1,549 1,488 -6.9% -3.9%
Other ethnic groups 3,700 3,434 3,449 -7.2% -0.4%
Unspecified 3,991 5,278 7,376 32.2% 39.7%
Total number of responses 185,543 168,555 162,834 -9.3% -3.5%
Total number of Student Loan borrowers 166,624 151,205 145,960 -9.3% -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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