Ryan Le Prevost

[Ryan Le Prevost @R_Armstrong90]

@kevinhasse47979 @243_cal @DaraghToner his must be ragebait. Surely nobody still thinks sexuality is a choice

[Ryan Le Prevost @R_Armstrong90]

@Beno10_MFC 9118

[Ryan Le Prevost @R_Armstrong90]

@aixarizzo @iydlamjiwlky Casual homophobia still alive and well I see

[Ryan Le Prevost @R_Armstrong90]

@LondonLad6699 I was thinking the same! Ant looks ginger

[Ryan Le Prevost @R_Armstrong90]

@qatarairways I have had no contact following the cancellation of our flight in March, including when we can expect a refund. Please see your DMs

[Ryan Le Prevost @R_Armstrong90]

@TWIF100 @kokeshimum The loan for tuition fees gets paid directly to the university

[Ryan Le Prevost @R_Armstrong90]

@DrLukeCraddock You realise that the “capital” (as opposed to interest) refers to the amount you voluntarily borrowed?

[Ryan Le Prevost @R_Armstrong90]

@MattLismore Education has public benefits, but it isn’t a public good in the economic sense. It’s excludable, rivalrous, and delivers large private returns. That’s why the real question is about how much subsidy is justified, not whether taxpayers should simply fund it outright.

[Ryan Le Prevost @R_Armstrong90]

@Anisocyte @WoollerEmma @opaqueentity That wasn’t your original point - I think Emma and I have both challenged your statement that banks routinely consider your student loan balance during the mortgage application process, and we’re yet to see any evidence of this.

[Ryan Le Prevost @R_Armstrong90]

@Anisocyte @WoollerEmma @opaqueentity My overall student loan balance has no real bearing on my affordability, but the monthly amount I pay does. Have you got any examples of lenders who consider loan balance (not monthly payment) as part of their lending criteria, as I can’t find any?

[Ryan Le Prevost @R_Armstrong90]

@Anisocyte @WoollerEmma @opaqueentity Of course it makes a “dent”, in the same way that any sustained repayment of debt does.

Does it make a “huge” impact on what you can borrow though?

Also, I’m not convinced that it’s standard practice for lenders to ask about your remaining loan balance.

[Ryan Le Prevost @R_Armstrong90]

@Anisocyte @WoollerEmma @opaqueentity If you’re paying £400pcm, you’re earning a pre-tax income of c.£80k. I wouldn’t say that a net £4800 reduction of this per annum makes a “huge difference” in affordability assessments.

[Ryan Le Prevost @R_Armstrong90]

@Anisocyte @opaqueentity Our mortgage provider didn’t ask about our Student Loan balances, it was only net pay that was considered

[Ryan Le Prevost @R_Armstrong90]

@DrLukeCraddock How does this have any impact on her current ability to save? The 9% repayment amount was expected?

[Ryan Le Prevost @R_Armstrong90]

@bobdylansbarber @StigAbell The existence of the Whip makes this concrete, not theoretical. Most meaningful votes are whipped. Voters elect an MP to support a programme and a governing bloc. Switching parties alters that mandate and should be tested with voters.

[Ryan Le Prevost @R_Armstrong90]

@SuperHeroNexus @DrLukeCraddock How on earth did you leave with such a balance on Plan 1?!

[Ryan Le Prevost @R_Armstrong90]

@LaurenPeeJay @FreddyQuinne Behavioural challenges can surface useful insights, but failure alone isn’t evidence of dependence. The relationship people have with alcohol is far more nuanced than a binary pass/fail.

[Ryan Le Prevost @R_Armstrong90]

@UKnightkin80486 @GinnyA24601 The idea that university only matters if it teaches a single vocation misses the entire point of higher education. Skills, signalling, and opportunity compound over decades.

[Ryan Le Prevost @R_Armstrong90]

@3mausimhaus @GinnyA24601 Good for you?