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@sashieng The heating is gas not electric, so even if they had all the windows open throughout winter it shouldn’t actually increase the electricity usage

@darlene1 Most Western European countries also have much higher tax burdens, so while you don’t have to pay extra “tax” as a student loan, you do have to pay more actual tax (income or otherwise). IFS has the U.K. as having a tax take of 33.5% of GDP vs an average of the EU14 of 39.9% (so the...