010,00020,00030,00040,00050,000Age profile of students taking out a student loan in New Zealand2019, number of students taking out a loanProvider: Ministry of Education0-1718-2021-2324-2627-2930-3233-3536-3839-4142-4445-4748-5051-5354-5657-5960-6465+

Age profile of students taking out a student loan in New Zealand

2019, number of students taking out a loan


Source: Ministry of Social Development and Ministry of Education


Equivalent full-time student (EFTS): A measure used to count tertiary student numbers. A student taking a normal year’s full-time study generates one ‘equivalent full-time student’ unit. Part-time or part-year students are fractions of a unit.
Borrower: Any person who has drawn from the Student Loan Scheme and not yet repaid in full.
Active borrower: Someone who is currently borrowing from the scheme. Active borrowers will be either studying for the first time or continuing with their study.

Data calculation/treatment

Borrowing data is until December 2019. The impact of COVID-19 on borrowing will likely be seen in future reports.
Repayment data is until June 2020. The impact of COVID-19 on repayments will likely be seen in future reports.

Data provided by

Ministry of Education

Dataset name

Student Loan Scheme Annual Report (corrected) 2020



How to find the data

At URL provided, select 'SLS 19/20 All Data Tables (XLS, 277.1 KB)' from the right-hand section.

Import & extraction details

File as imported: Student Loan Scheme Annual Report (corrected) 2020

From the dataset Student Loan Scheme Annual Report (corrected) 2020, this data was extracted:

  • Sheet: C2_T2.2
  • Range: C5:V22
  • Provided: 360 data points

This data forms the table Tertiary Education - Student Loan Scheme borrowers by age group 2000–2019.

Dataset originally released on:

April 23, 2021

About this dataset

This dataset relates to the Student Loan Scheme, including loan uptake, amount borrowed, loan balance, and repayment.

Purpose of collection

This is the supporting data for the Student Loan Scheme Annual Report 2019/20. The purpose of this annual report is to inform Parliament and the New Zealand public about the performance of the Student Loan Scheme in 2019/20. It also includes the audited financial
schedules of the scheme for the year ending 30 June 2020.
The report describes how the loan scheme operates in the context of the New Zealand tertiary education system and the goals of the Tertiary Education Strategy; the contribution it makes in enabling greater access to, and participation in, tertiary education; and developments to the loan scheme and student support policy over time.
It also looks at the outcomes of the scheme and provides detailed information about borrowers and their lending and repayment patterns. Finally, the report gives a detailed financial analysis of costs and the valuation of the loan scheme.

Method of collection/Data provider

The information on active borrowers and borrowers in study is largely drawn from the Ministry of Social Development (MSD). Inland Revenue has supplied data on the repayments, loan balances and borrower segments. Tertiary education data and information on borrowing in the years before 2000 were supplied by the Ministry of Education.
Other data has come from Stats NZ’s Integrated Data Infrastructure. Data from these sources is complemented by information drawn from the Census, the Household Labour Force Survey and other published data sources.