The Government must raise the cap on top-up fees to avoid a serious deterioration of quality in our universities. More Fees Please? warns that with the Government’s student loan debt expected to rocket to £55 billion by 2018, the Treasury will not be able to afford a rise in fees without a radical change to the system of student support. The report recommends that students from the wealthiest households are removed from the public student loans scheme, and offered a loan from a regulated private loan scheme at a lower than commercial rate of interest instead.