My Lords, it is a very great pleasure to follow the noble Baroness, Lady Sherlock, and to express my awe at the—to use her phrase—“laser gaze” she applied to the government amendments, which I will not attempt to emulate.
I will focus on the amendments in this group that are not government amendments. For convenience, I will go through them in numerical order, beginning with Amendment 92 tabled by the noble Lord, Lord Johnson of Marylebone, and the noble Baroness, Lady Garden of Frognal, which—as the noble Lord, Lord Aberdare, noted—has some similarities to Amendment 95, which appears in the names of the noble Lord, Lord Watson, and myself. Somewhat to my surprise, I again find myself agreeing with a very large amount of what the noble Lord, Lord Johnson, said, particularly the reflection that earnings data cannot be the be-all and end-all of judging the value of qualifications, and his points on the value of creative subjects, reflecting what many
other noble Lords have said in this debate. However, I strongly disagree with his suggestion that lowering the earnings threshold for student loan repayment starting is some kind of solution to the current mess the Government are in. The fact is that we have generations—particularly but not solely—of young people finding it extremely hard to find a secure economic place in the world, and making them more insecure, creating more difficulties and putting further economic pressure on them, very often through those three decades of life when they would normally expect to perhaps settle down, have children or even buy a house, would have widespread effects reaching far beyond the educational impacts.
I move now to Amendments 94 and 95 in the names of the noble Lord, Lord Watson of Invergowrie, and myself. It is a pity that he has not yet introduced these, but their meaning and intention is fairly clear. We are aiming here to introduce more flexibility and to acknowledge, as I said on an earlier group, that we are not in the 20th century, where people’s lives started by perhaps doing a course of study or an apprenticeship, working for 30 or 40 years and then collecting their gold carriage clock at the end of it. That is not how the world works; people move in many different directions. I have to say, I was rather attracted by the suggestion from the noble Lord, Lord Aberdare, of taking up bookbinding; that sounds a rather attractive option. But people move in all kinds of different directions in all kinds of ways, and the idea that they could have some linear, progressive, straight-line course currently mars the Bill, and these amendments seek to acknowledge this. I look at Amendment 94 in particular: life happens. A third to a half of pregnancies in the UK are unplanned; people never know what life will throw at them, and they need flexibility to have the lifelong learning entitlement to work for whatever life throws at them. That perhaps applies even more to Amendment 96. We talked earlier about the possibility of people being able to receive universal credit while studying along their life course, and this is an alternative way of approaching the problem by allowing for maintenance grants—indeed, those two things might well go together, given the nature and cost of living these days.
Coming to Amendment 97, I feel I am picking up a subject on which many other noble Lords are vastly more qualified and have been working on for a long time, but we really have to highlight the utter government failure that this proposed new clause reflects on and, indeed, seeks to ensure is not extended. It is acknowledged that 9% of the student population currently are Muslim—I think that is a higher education figure rather than a further education one—but it should be higher. In 2013, David Cameron promised to provide an alternative student finance option to comply with sharia law, which prohibits riba, or interest. The following year there was a consultation to provide a takaful system that would fit within the existing structures. In 2017, the Higher Education and Research Act was granted Royal Assent and gave the Government the power to introduce such a system—yet we are still waiting. I would very much value any news the Minister might be able to give us on progress in this area. Covid really is no excuse; this has been going on and continuing and was an area of failure far before Covid. I note that
in the other place there is an Early Day Motion calling for the introduction of this form of finance for students, which is receiving wide support.
Finally, on Amendment 99—and, indeed, Amendment 99B—I do not feel that I can add anything to what the noble Lord, Lord Addington, who is so extremely knowledgeable in this area, said, except to offer support.
This is my last contribution in this Committee. I join many others in offering the noble Baroness, Lady Penn, the very best wishes for the coming month or two in particular. I thank everyone who has contributed to this Committee. We have been a rather small and select band, which seems to be the case with many of the Bills before your Lordships’ House. I hope that we might see a broader level of engagement when we get to Report, but, in the meantime, I thank noble Lords.