England's student loans and grants system is at "substantial" risk of being hit by delays again this year, a damning report has found.
The Student Loans Company (SLC) is expected to deal with twice as many applications this year, but there is no proof it can deal with demand, according to the National Audit Office (NAO).
Lloyd Dean, a mature student from Somerset, discusses the problems he faced in receiving his loan, and Ralph Seymour Jackson, the SLC's chief executive, explains why the company is struggling to cope with demand.
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