Is it a good idea to pay university tuition fees off upfront? Revisited.

[WandaOver]

Take the loan or pay up front, assuming you can?
This thread was a couple of years ago and I'm thinking things have changed since then. Brexit, inflation, interest rates.
We have two DC at uni and both have loans but we always intended to keep it under review.
One difficulty is the wish to treat both DC the same, whilst their career path and earnings may be different.

[alreadytaken]

tax rules indeed change often - but under this government usually to give more money to the rich. The proposal to change tax on rental is aimed at airbnb. Drafting that would not be straightforward but it isnt intended to apply to longer term rental.

However I would expect at some stage that early repayments would start to attract penalties. The only way to avoid the 9% tax would then be to not take out a loan in the first place, I think they'd find it more difficult to introduce a general 9% tax rise.

Also some of my friends/ relatives have dies unexectedly early, either from accident or having health issues that werent considered that serious. So while IHT is not the major considration it does feature in my thinking.