@MartinSLewis This ignores that recent graduates already pay 9% to repay their graduate loan - while Scottish doesn’t have student debt!
Our effective rate is 51% above 50,000.
At school I was bullied quite a bit. Every day, the other kids would throw stones at me as I walked home. A very popular girl called Nicole started walking with me (because no one would throw stones if she was there). I never acknowledged what she did, or said thank you, even ..