Browse content similar to 24/10/2011. Check below for episodes and series from the same categories and more!
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In the next half-an-hour there is no smoke without fire. Should we | 0:00:00 | 0:00:07 | |
allow scrapyards in the heart of our cities? It's only 50 yards from | 0:00:07 | 0:00:13 | |
where people live. Richard and be here. Bottom of the class. Can we | 0:00:13 | 0:00:17 | |
persuade more northern students to go to university? I don't think | 0:00:17 | 0:00:20 | |
people round here are expected to go to university. I don't like | 0:00:20 | 0:00:25 | |
change, I don't want to leave all my friends. And if the thought of | 0:00:25 | 0:00:28 | |
student debt makes you want to run and hide, they may be an answer. | 0:00:28 | 0:00:33 | |
Alvin is here to help. I'm going to show you what a degree can really | 0:00:33 | 0:00:39 | |
cost and how you can avoid those fees altogether. Stories from the | 0:00:39 | 0:00:49 | |
0:00:49 | 0:00:59 | ||
heart of the North-East and Cumbria. The Great Fire of Byker made | 0:00:59 | 0:01:03 | |
international headlines, as firefighters tackled a huge | 0:01:03 | 0:01:07 | |
scrapyard blaze on Tyneside. The plume of smoke could be seen for | 0:01:07 | 0:01:11 | |
miles around. That and a spate of other scrapyard fires have left | 0:01:11 | 0:01:15 | |
some burning questions. Just what do they have on the premises, and | 0:01:15 | 0:01:21 | |
should they be sited so close to our homes? Fire broke out at the | 0:01:21 | 0:01:25 | |
Shepherd's scrapyard in Byker about 45 minutes ago. The smoke can be | 0:01:25 | 0:01:35 | |
0:01:35 | 0:01:38 | ||
May this year, and Tyne and Wear Fire Service is tested to the limit | 0:01:38 | 0:01:43 | |
when they have to tackle a huge blaze in Byker. What of the largest | 0:01:43 | 0:01:48 | |
scrapyards in this region. Firemen are beaten back by the ferocity of | 0:01:48 | 0:01:52 | |
the blaze. The it's very dangerous. It's very important nobody gets | 0:01:52 | 0:01:56 | |
hurt. I think we will be here for some hours. Hundreds of people come | 0:01:56 | 0:02:03 | |
to take photographs and witnessed the great Byker fire. We just came | 0:02:03 | 0:02:08 | |
down to see what it was. Two hours later, it's still burning. | 0:02:08 | 0:02:13 | |
Excitement soon gives way to concern. It's really frightening. | 0:02:13 | 0:02:18 | |
I'm still shaking, it's so traumatic. Residents in the Byker | 0:02:18 | 0:02:23 | |
Wall estate bear the brunt of the pollution. It was black. God knows | 0:02:23 | 0:02:28 | |
what people were suffering living here, it was heading straight this | 0:02:28 | 0:02:33 | |
way. It's only 50 yards away. It should never be there. His goal is | 0:02:33 | 0:02:38 | |
evacuated. People are told to stay indoors. When I first came round it | 0:02:38 | 0:02:42 | |
was really bad. I had to put white cardigan over my nose and mouth. | 0:02:42 | 0:02:45 | |
The police were telling everyone to get in their houses and shut their | 0:02:45 | 0:02:50 | |
doors and windows because it was toxic. We were playing out and saw | 0:02:50 | 0:02:55 | |
some smoke. We didn't realise what it was. We started coughing. All of | 0:02:55 | 0:03:00 | |
the Big smoke went all over. The can taste it, it's a choking smell. | 0:03:00 | 0:03:06 | |
It gets on your front and in your chest. Seven hours, 100 | 0:03:06 | 0:03:09 | |
firefighters and thousands of gallons of water later and the | 0:03:09 | 0:03:13 | |
blaze is finally under control. But will we ever fully know what has | 0:03:13 | 0:03:17 | |
been released into the atmosphere? You are looking at a variety of | 0:03:18 | 0:03:23 | |
hydrocarbons, from fuels and oils. Cars these days contain quite | 0:03:23 | 0:03:27 | |
significant quantities of polymers and plastics. It's extremely | 0:03:27 | 0:03:31 | |
difficult to say exactly what is in the smoke plume from a scrapyard | 0:03:31 | 0:03:34 | |
fire, but you can say with a fair degree of accuracy that none of it | 0:03:34 | 0:03:41 | |
you should be breathing. So why in an age when we are all supposed to | 0:03:41 | 0:03:45 | |
be doing our bit for an environment should people who live close to | 0:03:45 | 0:03:48 | |
scrapyards have to put up with the potentially toxic consequences of | 0:03:48 | 0:03:55 | |
them are being set alight? This is a debate that is hotting up. A | 0:03:55 | 0:03:59 | |
month after the Byker fire, this scrapyard in Stockton went up in | 0:03:59 | 0:04:05 | |
flames. People at homes nearby were told to stay inside. Just last | 0:04:05 | 0:04:09 | |
month, a scrapyard in Dalton-in- Furness was set ablaze. Train | 0:04:09 | 0:04:13 | |
services were delayed and residents told to stay indoors. Several | 0:04:13 | 0:04:17 | |
previous buyers had been reported at the same site. In Sunderland, | 0:04:18 | 0:04:23 | |
major roads were closed after a scrapyard fire in Deptford. And | 0:04:23 | 0:04:26 | |
this fire, at a tyre dump at Langley Park in County Durham, | 0:04:26 | 0:04:32 | |
burnt for several days before it could be brought under control. | 0:04:32 | 0:04:35 | |
potential for fires within scrapyards is very high. If you've | 0:04:35 | 0:04:39 | |
got a process that requires oxyacetylene cutting gear of | 0:04:39 | 0:04:43 | |
propylene cutting gear to be used to reduce these vehicles down to | 0:04:43 | 0:04:47 | |
manageable chunks and then taken away for recycling, you are using | 0:04:47 | 0:04:50 | |
hot cutting gear quite close to large amounts of combustible | 0:04:50 | 0:04:58 | |
material. It's not surprising that we get fires in these facilities. | 0:04:58 | 0:05:03 | |
Back at Byker, it's the day after the big plays. The scrapyard | 0:05:03 | 0:05:05 | |
workers are still shocked by the speed that the fire spread Ann | 0:05:05 | 0:05:10 | |
Toward nearly engulfed them as they tried to put it out. Me and one of | 0:05:10 | 0:05:14 | |
the lads went in. When I turned around he wasn't there any longer. | 0:05:14 | 0:05:18 | |
I went back to find him in the smoke and what happened was | 0:05:18 | 0:05:22 | |
something had got in his eyes and he was on the deck holding his eyes. | 0:05:22 | 0:05:26 | |
We dragged him to safety near the offices. The crane driver, I don't | 0:05:26 | 0:05:32 | |
know how he managed to get out. He had to drive over and get out. I've | 0:05:32 | 0:05:39 | |
never seen a blaze anything like it. Its smouldering. You always get | 0:05:39 | 0:05:44 | |
that with fires of this complexity and size. Ian Robinson is leading | 0:05:44 | 0:05:49 | |
the investigation. We do know that the seat of the fire was in front | 0:05:49 | 0:05:52 | |
of us. At this point in time it was still in the early stages. The | 0:05:52 | 0:05:56 | |
cause of the ignition is still under investigation. | 0:05:56 | 0:05:59 | |
Environment Agency is also carrying out investigations, checking what | 0:05:59 | 0:06:02 | |
was stored at the yard and whether there has been air or water | 0:06:02 | 0:06:06 | |
pollution. Meanwhile, the site operators are counting the cost of | 0:06:06 | 0:06:11 | |
the blaze. It is heartbreaking. I know a lot of people think it's | 0:06:11 | 0:06:20 | |
only scrap metal but scrap metal to some people but it is our living. | 0:06:20 | 0:06:23 | |
month before Byker, another scrapyard fire hit the national | 0:06:23 | 0:06:27 | |
headlines, this time on the outskirts of London. Huge | 0:06:27 | 0:06:30 | |
disruption was caused when the M1 motorway was closed for the best | 0:06:30 | 0:06:34 | |
part of six days, causing misery and chaos to millions of commuters. | 0:06:34 | 0:06:39 | |
The government ordered an inquiry into the siting of scrapyards as a | 0:06:39 | 0:06:43 | |
result. The government is due to unveil its report into its findings | 0:06:43 | 0:06:47 | |
in the coming months. It could impact upon future planning | 0:06:47 | 0:06:52 | |
applications for scrapyards next to major roads or railway lines. But | 0:06:52 | 0:06:56 | |
does it go far enough? What about residence next to the Byker | 0:06:56 | 0:07:02 | |
scrapyard? How did they feel about the fire? Uncomfortable. I just | 0:07:02 | 0:07:07 | |
think that place shouldn't be near residential areas. I am here but | 0:07:07 | 0:07:11 | |
could you imagine living down there? If they were going to | 0:07:11 | 0:07:15 | |
develop this, that plays should have been long gone. There's always | 0:07:15 | 0:07:19 | |
been a scrapyard here. It's just the norm to us. But in | 0:07:19 | 0:07:24 | |
circumstances like this it is very dangerous. Especially for the toxic | 0:07:24 | 0:07:30 | |
smoke. Scrapyards to contain hazardous materials. I think the | 0:07:30 | 0:07:34 | |
question then has to be asked - do we want something that contain | 0:07:34 | 0:07:38 | |
these hazards with the potential for causing problems to be right in | 0:07:38 | 0:07:43 | |
the middle of our towns? Or do you decide you need to cite them on the | 0:07:43 | 0:07:46 | |
outskirts? Currently there are no government guidelines specific to | 0:07:46 | 0:07:50 | |
the siting of scrapyards, and there are no plans for a review on | 0:07:50 | 0:07:54 | |
environmental grounds. The Environment Agency is responsible | 0:07:54 | 0:07:57 | |
for day-to-day regulation, but because there's planning permission | 0:07:57 | 0:08:01 | |
for the Byker site the scrapyard is here to stay. If there was a new | 0:08:01 | 0:08:05 | |
application then quite clearly were would be consulting local residents, | 0:08:05 | 0:08:11 | |
seeking their views. The issue there is the scrapyard has existed | 0:08:11 | 0:08:17 | |
since the 1970s. We can't add additional controls on to deal with | 0:08:17 | 0:08:22 | |
potentially new hazards that have come to light now. The fire brigade | 0:08:22 | 0:08:28 | |
investigation into the blaze is now complete. The CCTV has given Ian a | 0:08:28 | 0:08:32 | |
chance to establish what happened. You got operation going on with the | 0:08:32 | 0:08:37 | |
crane. There are like wisps of smoke coming up from behind the | 0:08:37 | 0:08:42 | |
shrubs. You can see the fire starting to develop. What we've had | 0:08:42 | 0:08:46 | |
here is a metal to metal contact which has created a spark in the | 0:08:46 | 0:08:50 | |
area where we had something flammable. It's taken approximately | 0:08:50 | 0:08:54 | |
four minutes for the majority of that waste pile to be fully | 0:08:54 | 0:08:59 | |
engulfed. So the fire was an accident. But that's not the end of | 0:08:59 | 0:09:04 | |
the matter. The Environment Agency has completed its investigation. We | 0:09:04 | 0:09:09 | |
can reveal that court action could follow. The yard operator has been | 0:09:09 | 0:09:12 | |
questioned under caution about the amount and type of waste stored | 0:09:13 | 0:09:16 | |
there. I understand they've been ordered to change the way they | 0:09:16 | 0:09:19 | |
operate the site, particularly the way waste is stored and handled. | 0:09:19 | 0:09:27 | |
The decision on charges is expected in December. The union representing | 0:09:27 | 0:09:31 | |
firefighters is happy with the way the Byker blaze was handled. But | 0:09:31 | 0:09:35 | |
they believe there are wider lessons to be learnt. I would like | 0:09:35 | 0:09:39 | |
to see more regulation, more fire safety checks on these premises. | 0:09:39 | 0:09:43 | |
We've got to know the processes and the equipment and the plant that | 0:09:43 | 0:09:48 | |
these have. When we turn up to these incidents, we have not got a | 0:09:48 | 0:09:53 | |
clue what is inside that risk area. And would Ross, a professional | 0:09:53 | 0:09:58 | |
fireman, live in a house next to a scrapyard? No, I wouldn't consider | 0:09:58 | 0:10:08 | |
0:10:08 | 0:10:10 | ||
Based say you need a degree these days to get on. Here, we have some | 0:10:10 | 0:10:13 | |
of the lowest rates of kids going on to higher education. And that is | 0:10:13 | 0:10:18 | |
before any talk of higher fees. Chris Connel, fresh from his | 0:10:18 | 0:10:22 | |
success on Broadway, has been back to Ashington, home of the Pitmen | 0:10:22 | 0:10:32 | |
0:10:32 | 0:10:33 | ||
Nowadays, those with the brains to get university usually go, right? | 0:10:33 | 0:10:38 | |
In parts of the self that is true. But not appear. There are whole | 0:10:38 | 0:10:41 | |
areas where the number of kids going into higher education is very | 0:10:41 | 0:10:45 | |
small indeed. If you happen to come from a low-income family, that | 0:10:45 | 0:10:50 | |
figure is minute. Take Northumberland. Only 7% of kids on | 0:10:50 | 0:10:55 | |
free school meals go on to University. That is third bottom in | 0:10:55 | 0:10:58 | |
England. And while the total number in England go to university went up | 0:10:58 | 0:11:05 | |
by nearly 44 % over a decade, it went down by 4% in the Blyth Valley | 0:11:05 | 0:11:11 | |
and Bedlington area. So why come up here to Bedlington high-school to | 0:11:11 | 0:11:15 | |
find out what it is that puts so many people off in this county from | 0:11:15 | 0:11:19 | |
going on to higher education. Is it the height in tuition fees, is it | 0:11:19 | 0:11:23 | |
simply a case of attitudes? If so, what can we do to change those | 0:11:23 | 0:11:29 | |
attitudes? This Community High School has around 750 pupils. It's | 0:11:29 | 0:11:33 | |
rapidly improving, but it still has plenty of bright, able kids who | 0:11:33 | 0:11:38 | |
rule out University. I've come to talk to Class 11 x one, that would | 0:11:38 | 0:11:41 | |
be fifth-formers to me and you, to see what they think about | 0:11:41 | 0:11:45 | |
university. I am used to dealing with one teenager, I've got one at | 0:11:45 | 0:11:49 | |
home, but 25 of them... This could be a nightmare! I've brought with | 0:11:49 | 0:11:54 | |
me some pens and every teenager's favourite thing, some Inside Out | 0:11:54 | 0:12:00 | |
cards. This should be a doddle. I think I will sneak in and sit at | 0:12:00 | 0:12:10 | |
0:12:10 | 0:12:14 | ||
Jackie, Alice, death, Harry, Lewis, Ryan, a Georgina, Ryan, Georgina, | 0:12:14 | 0:12:22 | |
Charlotte, Emma, Jessica, Adam, Liam, Niall me, KT, Josie. They're | 0:12:22 | 0:12:28 | |
doing their GCSEs. Could I interrupt? Do you mind if I borrow | 0:12:28 | 0:12:35 | |
your class career that? Hollow, everybody. Hollow! You're all keen! | 0:12:35 | 0:12:43 | |
How many of you actually intend to go on to university? 6. He is | 0:12:43 | 0:12:51 | |
worried about tuition fees. -- who is worried. I asked them what | 0:12:51 | 0:12:55 | |
percentage of kids on three school meals in this area went to | 0:12:55 | 0:13:02 | |
university. -- free school meals. You may remember I told you earlier | 0:13:02 | 0:13:07 | |
it was 7%. While they are diverted, I find out what they really think | 0:13:07 | 0:13:15 | |
about university. I just think it is quite a lot of money. You have | 0:13:15 | 0:13:20 | |
to move away and everything. used to guarantee you a job and it | 0:13:20 | 0:13:30 | |
0:13:30 | 0:13:33 | ||
does not any more. �6,000 for that is a bit much. Well, I am just | 0:13:33 | 0:13:36 | |
going to take a quick break. First impressions? Lovely group of | 0:13:36 | 0:13:43 | |
students. One of the themes that seems to be dominant is money. How | 0:13:43 | 0:13:51 | |
much will it cost? During the break, I watched the head in action. | 0:13:51 | 0:13:56 | |
your shirt tucked in, please. Many students, they believe university | 0:13:56 | 0:14:01 | |
is not for them, it is for other people. The people who are more | 0:14:01 | 0:14:05 | |
wealthy, brighter and so on. That is one of the biggest challenges we | 0:14:05 | 0:14:11 | |
face. We need to instil a sense of persistence, resilience and | 0:14:11 | 0:14:16 | |
confidence in themselves. Back in class. I am enjoying this. Come | 0:14:16 | 0:14:21 | |
round this side of the table. You don't want to go? Why? I don't like | 0:14:21 | 0:14:25 | |
change. I don't want to leave my friends. I don't feel confident | 0:14:25 | 0:14:30 | |
about applying. There is lots of competition in the south. People | 0:14:30 | 0:14:35 | |
are expected to go to university from other places than here. Why is | 0:14:35 | 0:14:40 | |
that? Because they are more polished than us. You've just seen | 0:14:40 | 0:14:43 | |
me in action. From your professional point of view, clearly | 0:14:43 | 0:14:46 | |
you must be thinking, "This guy's a natural". I do not know if I | 0:14:46 | 0:14:49 | |
thought that. You were very good and we always welcome new teachers | 0:14:49 | 0:14:53 | |
into the school, but you were a bit unclear in your delivery, and | 0:14:53 | 0:14:56 | |
secondly, I would not have got them standing up after the discussion. | 0:14:56 | 0:15:01 | |
But overall, well done. Thank you. But I must be more clear! Please. | 0:15:01 | 0:15:05 | |
Thanks, Miss. The comments from the pupils seem out of step compared to | 0:15:05 | 0:15:07 | |
the rest of England. A survey commissioned by Inside Out | 0:15:07 | 0:15:10 | |
suggested that around one in ten A- level students in England were put | 0:15:10 | 0:15:16 | |
off university because of the increased tuition fees. Overall, | 0:15:16 | 0:15:21 | |
the benefits of university were viewed as outweighing the costs. My | 0:15:21 | 0:15:28 | |
class are not as sure university would benefit them. The thing is, I | 0:15:28 | 0:15:32 | |
understand this attitude. My old teacher explains why, by summing up | 0:15:32 | 0:15:42 | |
my glittering school career. Jack-the-lad! One of the boys. You | 0:15:42 | 0:15:49 | |
see, that cheeky smile, that is it. That is the face I remember. It is | 0:15:49 | 0:15:54 | |
not my fault. There has been big changes since I was here. How would | 0:15:54 | 0:15:58 | |
they cope with me? If you come in after 8.50am, you lose your break. | 0:15:58 | 0:16:02 | |
Twice in one week, you do half an hour on a Friday night. Selling | 0:16:02 | 0:16:06 | |
your dinner tickets - cannot do that anymore. We have a card system. | 0:16:06 | 0:16:10 | |
Should I go and stand outside of your office now? I think you would | 0:16:10 | 0:16:15 | |
have been in detention for some of your behaviour! I did not get any | 0:16:15 | 0:16:18 | |
A-levels. It was my fault. I did not see the point. Today, I am | 0:16:18 | 0:16:22 | |
taking the kids to Newcastle University for the first time. Will | 0:16:22 | 0:16:28 | |
attitudes change? I already had lunch before I got on the buss. I | 0:16:28 | 0:16:32 | |
think I will go and chat to my friends. Are you not excited we're | 0:16:33 | 0:16:39 | |
going to university? It is a bit scary. Do you think it will be full | 0:16:39 | 0:16:49 | |
of professors wandering around with big beards? Hopefully not. | 0:16:49 | 0:16:54 | |
university has a well worked-out programme for potential students. | 0:16:54 | 0:16:59 | |
They start by making balloon towers. You might want some different sized | 0:16:59 | 0:17:05 | |
ones. Next, a hand-knotting type thingy. If you have your eyes open, | 0:17:05 | 0:17:10 | |
we are going to have to start again. I did not have them open open! | 0:17:10 | 0:17:15 | |
I'll let you off this once. we're all relaxed... Stand up if | 0:17:15 | 0:17:19 | |
you think you have the potential to go to university. Well... I like | 0:17:19 | 0:17:23 | |
your confidence. Then, we're unleashed to take photos and become | 0:17:23 | 0:17:33 | |
0:17:33 | 0:17:37 | ||
familiar with the campus. Three, I stopped for a quick chat to the | 0:17:37 | 0:17:43 | |
University big-wig. We need to get over to them, actually, it is a | 0:17:43 | 0:17:46 | |
long-term benefit and they won't start having to pay back the loan | 0:17:46 | 0:17:54 | |
until they're earning �21,000, and then it is only about �1 per day. | 0:17:54 | 0:17:59 | |
Back with the kids, that message is being hammered home. You don't have | 0:17:59 | 0:18:02 | |
to start paying off your loan until ten months after you have graduated | 0:18:02 | 0:18:05 | |
and you have to be earning �21,000. From 2012 entry, the university | 0:18:05 | 0:18:08 | |
will be offering 20 scholarships, which are full fee scholarships, | 0:18:08 | 0:18:17 | |
worth �9,000. Has the introduction done the trick? I was unsure, but | 0:18:17 | 0:18:25 | |
now I do want to go. I got here and I felt staggered. I was worried | 0:18:25 | 0:18:32 | |
about the costs. What do you think you're going to do now? I am going | 0:18:32 | 0:18:37 | |
to go. But what about Adam, who is dead against? I would come to | 0:18:37 | 0:18:41 | |
university. The people I have met have made me feel welcome. It is | 0:18:41 | 0:18:44 | |
incredible. The fear and money worries seem to have disappeared. | 0:18:44 | 0:18:51 | |
As I say goodbye to the class, I'm Welling up. Cheers. It was an | 0:18:51 | 0:18:55 | |
absolute pleasure. Thank you very much. You are out-going, aren't | 0:18:56 | 0:19:05 | |
0:19:06 | 0:19:07 | ||
you? Obviously. Will you miss me? Possibly. See you later. Goodbye. I | 0:19:07 | 0:19:12 | |
think that was brilliant. I was really pleased. A lot of them were | 0:19:12 | 0:19:15 | |
undecided, a lot of them are definitely not going to come, but | 0:19:15 | 0:19:19 | |
each and every one of them is seriously considering it. If they | 0:19:19 | 0:19:23 | |
do go on to do other things, it is great to know that they have the | 0:19:23 | 0:19:26 | |
right to make the choice and they can decide whether they're going to | 0:19:26 | 0:19:31 | |
come here or not. They are as good as anybody else. That is brilliant. | 0:19:31 | 0:19:34 | |
It changed minds and made a difference. Unfortunately, the | 0:19:34 | 0:19:39 | |
school says it cannot afford these trips any more. Funding has been | 0:19:39 | 0:19:48 | |
withdrawn by the Government. That survey that Chris mentioned | 0:19:48 | 0:19:51 | |
suggests that almost half of all students here in the North would be | 0:19:51 | 0:19:55 | |
prepared to go abroad to study. But is that the only way to beat the | 0:19:55 | 0:19:59 | |
fees? We asked our financial guru to tackle the subject that is | 0:19:59 | 0:20:08 | |
preying on every student's mind. Young, confused and afraid? This is | 0:20:09 | 0:20:11 | |
what thousands of teenagers across England fear - a lifetime on the | 0:20:12 | 0:20:21 | |
0:20:22 | 0:20:23 | ||
run. But what is chasing them? Student debt. But is it really | 0:20:23 | 0:20:27 | |
going to be the horrible thing that we have been led to believe? | 0:20:27 | 0:20:31 | |
Whether you think next year's hike in fees is fair or not, it is | 0:20:31 | 0:20:35 | |
happening. Young people need to know the facts. I'm going to show | 0:20:35 | 0:20:39 | |
you what a degree can really cost and how you can avoid those fees | 0:20:39 | 0:20:44 | |
altogether. Next year, English universities will charge up to | 0:20:44 | 0:20:49 | |
�9,000 a year. With living costs on top, graduates can face debts of | 0:20:49 | 0:20:57 | |
around �50,000. But how much will they actually end up paying back? | 0:20:57 | 0:21:01 | |
I've come to meet some sixth- formers in Birmingham to show them. | 0:21:01 | 0:21:04 | |
I think the number is going to shock them. I think that earning | 0:21:04 | 0:21:08 | |
interest over such a long time that you pay back that loan, there | 0:21:08 | 0:21:13 | |
really is a number that most people do not think about. Let's imagine | 0:21:13 | 0:21:17 | |
that you graduate from university with �50,000 worth of debt. And you | 0:21:17 | 0:21:23 | |
get a high-paying job, which we expect Jacob will get! How much of | 0:21:23 | 0:21:31 | |
that money do you have to pay back? I'm not quite sure. Is it all of | 0:21:31 | 0:21:38 | |
it? You have to pay back all of it and more. Oh, interest? Interest. | 0:21:39 | 0:21:48 | |
0:21:49 | 0:21:52 | ||
Oh, God. Oh, God, is right! �75,000. Is that just for one person? Yes. | 0:21:52 | 0:21:57 | |
That is horrible. Is that just for the average degree of three years. | 0:21:57 | 0:22:01 | |
Yes. If you take out the maximum loan. But what if, for some reason, | 0:22:01 | 0:22:04 | |
their careers do not go as planned and they never earne more than | 0:22:04 | 0:22:14 | |
0:22:14 | 0:22:14 | ||
�21,000 a year? The amount you have to payback is...? Zero. So what is | 0:22:14 | 0:22:16 | |
going on? Basically, the repayment of the | 0:22:17 | 0:22:22 | |
loan works like taxes. The more you earn, the more you pay back. If you | 0:22:22 | 0:22:28 | |
never earn above a certain amount, then you never pay back a penny. | 0:22:28 | 0:22:30 | |
The new independent taskforce on student finance is led by Martin | 0:22:30 | 0:22:37 | |
Lewis. The biggest confusion out there is | 0:22:37 | 0:22:39 | |
that people confuse the price tag - these �9,000 fees, totalling | 0:22:39 | 0:22:44 | |
�50,000 at the end of university - with the actual cost. This is a | 0:22:44 | 0:22:48 | |
very different type of system. Many people won't come close to repaying | 0:22:48 | 0:22:53 | |
in full what they borrowed. Some will not repay anything at all. The | 0:22:53 | 0:22:56 | |
bewildering fact that is putting people off going to university is | 0:22:56 | 0:23:02 | |
the fact that people are looking at the price tag and not the cost. | 0:23:02 | 0:23:06 | |
But most graduates will face large debt. Is there any way of avoiding | 0:23:06 | 0:23:12 | |
the fees? Yes. You can study abroad. At the recent StudentWorld Fair in | 0:23:12 | 0:23:19 | |
London, teenagers discover just how much they can save. I think | 0:23:19 | 0:23:22 | |
everyone would rather go to a university where they're paying | 0:23:22 | 0:23:27 | |
�8,000 cheaper than the UK. If the fees are a lot cheaper, that is | 0:23:27 | 0:23:31 | |
more attractive. In fact, dozens of universities across Europe offer | 0:23:31 | 0:23:37 | |
courses taught in English. The fees differ from country to country, but | 0:23:37 | 0:23:43 | |
in Scandinavia, tuition is free. Denmark, we have no tuition fees. | 0:23:43 | 0:23:46 | |
The Danish government pays for Danish students and, according to | 0:23:46 | 0:23:54 | |
European Union rules, we have to treat other EU citizens alike. | 0:23:54 | 0:23:58 | |
Harriet Moore has already taken the plunge. She is off back to | 0:23:58 | 0:24:02 | |
university in Slovakia. I'm trying to save money on my flights, so | 0:24:02 | 0:24:08 | |
hand-luggage it is! Over there, she saves a fortune on living costs, | 0:24:08 | 0:24:16 | |
spending just �100 a month. I caught up with her via web cam. | 0:24:16 | 0:24:19 | |
What could be the piece of advice you would give to anyone | 0:24:19 | 0:24:23 | |
considering doing what you have done? If you are considering it, | 0:24:23 | 0:24:27 | |
you should go for it, definitely. It is worth doing. You have to be a | 0:24:27 | 0:24:30 | |
bit brave for the first plane journey, but I would never look | 0:24:30 | 0:24:40 | |
0:24:40 | 0:24:46 | ||
Time's up. I want my money. I want my �50,000. | 0:24:46 | 0:24:53 | |
So, studying overseas may be one way to avoid the debt. | 0:24:53 | 0:24:56 | |
But there are downsides. If you study abroad, the government here | 0:24:56 | 0:25:00 | |
will not give you a loan. Only some of the courses are taught in | 0:25:00 | 0:25:05 | |
English and some employers might not recognise foreign degrees. So | 0:25:05 | 0:25:10 | |
you need to do your homework. Another way of beating the fees is | 0:25:10 | 0:25:14 | |
to get someone else to pay. But who? London's financial heartland | 0:25:14 | 0:25:20 | |
is a good place to look. Don't be fooled by the power suits! Believe | 0:25:20 | 0:25:25 | |
it or not, these youngsters are all freshers. They are being sponsored | 0:25:25 | 0:25:32 | |
by accountancy giant, KPMG. The entire package was a degree, a | 0:25:32 | 0:25:35 | |
salary, tuition fees were paid, you got a job at the end and you were | 0:25:35 | 0:25:42 | |
helped to become a qualified and chartered accountant. | 0:25:42 | 0:25:46 | |
It sounds too good to be true. Was there any catch? | 0:25:46 | 0:25:50 | |
I have not seen one. I do not think there is one. As with everything, | 0:25:50 | 0:25:55 | |
you have to work hard and that is the only catch. | 0:25:55 | 0:25:59 | |
And the man who runs the programme tells me KPMG do not offer the | 0:25:59 | 0:26:04 | |
stereotypical student experience. This is an extremely intensive | 0:26:04 | 0:26:08 | |
programme. They have to work for us, study for their degree and get | 0:26:08 | 0:26:12 | |
their chartered accounting qualification in six years. That | 0:26:12 | 0:26:20 | |
will require hard work and that's all we really ask of the students. | 0:26:20 | 0:26:25 | |
But is there another way of avoiding the debt? Well, you can | 0:26:25 | 0:26:34 | |
pay up front. This 16-year-old girl is trying to do just that. As well | 0:26:34 | 0:26:37 | |
as studying for her A-levels, she sells beauty products on her | 0:26:37 | 0:26:42 | |
website. I started my business because I | 0:26:42 | 0:26:45 | |
wanted to save up for university because of the rising prices of the | 0:26:45 | 0:26:50 | |
university fees. It would be too much for my parents to pay for it. | 0:26:50 | 0:26:54 | |
I hope to not get into debt, because I know it takes a long time | 0:26:54 | 0:26:59 | |
to get out of debt. I do not want to be in that place. | 0:26:59 | 0:27:02 | |
The Government allows students to pay up front. But most will have to | 0:27:02 | 0:27:06 | |
take out a loan. But one financial expert believes that graduates | 0:27:06 | 0:27:14 | |
could end up paying back far more than anyone has predicted. | 0:27:14 | 0:27:20 | |
This financial journalist is warning students to beware. | 0:27:20 | 0:27:24 | |
The problem is that the deal is actually not a deal. | 0:27:24 | 0:27:27 | |
There are all these numbers flying about saying that you will be | 0:27:27 | 0:27:30 | |
charged a certain rate of interest on the loan, that your repayments | 0:27:30 | 0:27:33 | |
will start at �21,000, over that you will be paying a certain | 0:27:33 | 0:27:36 | |
percentage, but none of those parameters are in the contract that | 0:27:36 | 0:27:41 | |
the student signs up for. In fact, the Government can change those | 0:27:41 | 0:27:44 | |
numbers if it wants to in five years' time, ten years' time, 20 | 0:27:44 | 0:27:49 | |
years' time, 30 years' time. Students could end up paying a lot | 0:27:49 | 0:27:53 | |
more. But any big changes would have to | 0:27:53 | 0:27:57 | |
be approved by Parliament. Like many Americans, I graduated with | 0:27:57 | 0:28:03 | |
the equivalent of tens of thousands of pounds worth of debt. It was | 0:28:03 | 0:28:07 | |
daunting. But if you know the facts, student debt does not have to be | 0:28:07 | 0:28:17 | |
0:28:17 | 0:28:20 | ||
scary. I confronted it and so can That is all for tonight. I have | 0:28:20 | 0:28:24 | |
more information on that university survey on my blog. I would also | 0:28:24 | 0:28:28 | |
like to hear your views on the price of education. Just go to my | 0:28:28 | 0:28:37 |