However clever a student may be, they cannot predict the distant future, and are as vulnerable as anyone else to what is broadly termed “mis-selling”. For precisely those reasons, there is no doubt that at least a certain cohort who graduated in the 2010s, after tuition fees were trebled, were indeed misled about the financial burden they would ultimately face.
They could not be expected to know that, one day, a government would make the terms under which they had taken on these notional but heavy-debt obligations much harsher. The indications they were given about repayments were plainly far too rosy, and they were offered no choice in the matter – the government was the primary provider of tuition fee loans.
