While getting student loans paid is a topical area that the government seems loathe to address, they could again look to Australia whose tertiary loans regime is the model for their new Top Up Fees system. So great is the level of debt default (A$2.9b/£1.22b has recently been written off) that the government is considering denying credit to students who are seen as a potential credit risk and/or pursuing debts even from a deceased estate.