Should all welfare be a loan that gets paid back?
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Do you consider being a student akin to being on welfare watch
- Thread Starter
- 28-03-2016 22:56
- 28-03-2016 22:59
Kind of. You're taking out a loan you're not expected to pay back (unless you earn over a certain amount, but you'd get welfare compensated under those cases as well), ironically some of it is spent on smoking and drink (but we criticise welfare claimers for it), it's clearly not just a study loan. For some people it does support them for 3 years so yeah it's like being on benefits for 3 years with the expectation that a lot of them will never pay it back.
- 28-03-2016 23:04
I can see the similarities. The problem with having welfare be a loan is that it could only be paid back if people were to earn enough money to pay it back (there would probably be a minimum income threshold before repayments began, as there is with student loans) and that could act as a deterrent to work for some people and also it's likely that most people would never go over that threshold just as many students never earn over that threshold. In a way, because of tax and National Insurance, people who get welfare are paying some of it back into the system once they start earning money again. And the more they earn, the more tax they pay, which is just how it would work if it was a loan anyway.