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Student Loans January – March 2020

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 year-to-date figures. All percentages are computed using actual data and rounded to the nearest one decimal point. The total percentages may not add up to 100 percent due to rounding effects. The last three years of data and annual comparisons are presented in summary tables. Earlier timeseries are included in the downloadable spreadsheets.

Note that the impacts of COVID-19 are not yet covered by this report.


Demographics of Student Loan Borrowers

Most of the students who borrowed from the Student Loan Scheme from January to March 2020 are —

… aged 18 to 24 years (71.1 percent).

Distribution of SL borrowers by age group

female (62.1 percent).

Distribution of SL borrowers by gender

citizens by birth (74.9 percent).

Distribution of SL borrowers by residential status

… self-identified as European (62.7 percent).

Distribution of SL borrowers by ethnic group

Annual Comparisons

The following tables provide a summary profile of students who received a Student Loan from January to March, in the last three years. Detailed data series are available in the downloadable Excel files.

Number of borrowers by age group

Age group January to March Annual change
2018 2019 2020 2018-19 2019-20
17 years and younger 1,880 1,295 1,144 -31.1% -11.7%
18-24 years 89,220 85,226 81,969 -4.5% -3.8%
25-34 years 21,132 20,988 20,082 -0.7% -4.3%
35-44 years 8,002 8,043 7,775 0.5% -3.3%
45-54 years 3,976 4,005 3,695 0.7% -7.7%
55 years and older 657 712 667 8.4% -6.3%
Total number of SL borrowers 124,867 120,269 115,332 -3.7% -4.1%

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

Number of borrowers by gender

Gender January to March Annual change
2018 2019 2020 2018-19 2019-20
Female 76,263 74,323 71,654 -2.5% -3.6%
Male 48,604 45,946 43,547 -5.5% -5.2%
Gender Diverse 0 0 131
Total number of SL borrowers 124,867 120,269 115,332 -3.7% -4.1%

Note: From 2 December 2019, forms and online applications include three gender options – Female, Male and Gender Diverse.


Number of borrowers by residential status

Residential status January to March Annual change
2018 2019 2020 2018-19 2019-20
Citizen by birth 93,764 90,048 86,352 -4.0% -4.1%
Citizen 18,517 18,283 17,919 -1.3% -2.0%
Permanent resident 12,300 11,643 10,762 -5.3% -7.6%
Other 286 295 299 3.1% 1.4%
Total number of SL borrowers 124,867 120,269 115,332 -3.7% -4.1%

Note: “Other” includes students who have refugee status, and those classified as protected persons. 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 (total response) January to March Annual change
2018 2019 2020 2018-19 2019-20
European 81,737 77,177 72,368 -5.6% -6.2%
Māori 21,331 20,167 18,734 -5.5% -7.1%
Asian 19,943 19,477 18,876 -2.3% -3.1%
Pacific peoples 11,590 10,940 10,422 -5.6% -4.7%
Other 4,101 3,992 3,901 -2.7% -2.3%
Not declared 3,989 5,836 7,799 46.3% 33.6%
Total responses 142,691 137,589 132,100 -3.6% -4.0%
Total number of SL borrowers 124,867 120,269 115,332 -3.7% -4.1%