NZ Herald
  • Home
  • Latest news
  • Video
  • New Zealand
  • Sport
  • World
  • Business
  • Entertainment
  • Podcasts
  • Quizzes
  • Opinion
  • Lifestyle
  • Travel
  • Viva
  • Weather forecasts

Subscriptions

  • Herald Premium
  • Viva Premium
  • The Listener
  • BusinessDesk

Sections

  • Latest news
  • New Zealand
    • All New Zealand
    • Crime
    • Politics
    • Education
    • Open Justice
    • Scam Update
    • The Great NZ Road Trip
  • On The Up
  • World
    • All World
    • Australia
    • Asia
    • UK
    • United States
    • Middle East
    • Europe
    • Pacific
  • Business
    • All Business
    • MarketsSharesCurrencyCommoditiesStock TakesCrypto
    • Markets with Madison
    • Media Insider
    • Business analysis
    • Personal financeKiwiSaverInterest ratesTaxInvestment
    • EconomyInflationGDPOfficial cash rateEmployment
    • Small business
    • Business reportsMood of the BoardroomProject AucklandSustainable business and financeCapital markets reportAgribusiness reportInfrastructure reportDynamic business
    • Deloitte Top 200 Awards
    • CompaniesAged CareAgribusinessAirlinesBanking and financeConstructionEnergyFreight and logisticsHealthcareManufacturingMedia and MarketingRetailTelecommunicationsTourism
  • Opinion
    • All Opinion
    • Analysis
    • Editorials
    • Business analysis
    • Premium opinion
    • Letters to the editor
  • Sport
    • All Sport
    • OlympicsParalympics
    • RugbySuper RugbyNPCAll BlacksBlack FernsRugby sevensSchool rugby
    • CricketBlack CapsWhite Ferns
    • Racing
    • NetballSilver Ferns
    • LeagueWarriorsNRL
    • FootballWellington PhoenixAuckland FCAll WhitesFootball FernsEnglish Premier League
    • GolfNZ Open
    • MotorsportFormula 1
    • Boxing
    • UFC
    • BasketballNBABreakersTall BlacksTall Ferns
    • Tennis
    • Cycling
    • Athletics
    • SailingAmerica's CupSailGP
    • Rowing
  • Lifestyle
    • All Lifestyle
    • Viva - Food, fashion & beauty
    • Society Insider
    • Royals
    • Sex & relationships
    • Food & drinkRecipesRecipe collectionsRestaurant reviewsRestaurant bookings
    • Health & wellbeing
    • Fashion & beauty
    • Pets & animals
    • The Selection - Shop the trendsShop fashionShop beautyShop entertainmentShop giftsShop home & living
    • Milford's Investing Place
  • Entertainment
    • All Entertainment
    • TV
    • MoviesMovie reviews
    • MusicMusic reviews
    • BooksBook reviews
    • Culture
    • ReviewsBook reviewsMovie reviewsMusic reviewsRestaurant reviews
  • Travel
    • All Travel
    • News
    • New ZealandNorthlandAucklandWellingtonCanterburyOtago / QueenstownNelson-TasmanBest NZ beaches
    • International travelAustraliaPacific IslandsEuropeUKUSAAfricaAsia
    • Rail holidays
    • Cruise holidays
    • Ski holidays
    • Luxury travel
    • Adventure travel
  • Kāhu Māori news
  • Environment
    • All Environment
    • Our Green Future
  • Talanoa Pacific news
  • Property
    • All Property
    • Property Insider
    • Interest rates tracker
    • Residential property listings
    • Commercial property listings
  • Health
  • Technology
    • All Technology
    • AI
    • Social media
  • Rural
    • All Rural
    • Dairy farming
    • Sheep & beef farming
    • Horticulture
    • Animal health
    • Rural business
    • Rural life
    • Rural technology
    • Opinion
    • Audio & podcasts
  • Weather forecasts
    • All Weather forecasts
    • Kaitaia
    • Whangārei
    • Dargaville
    • Auckland
    • Thames
    • Tauranga
    • Hamilton
    • Whakatāne
    • Rotorua
    • Tokoroa
    • Te Kuiti
    • Taumaranui
    • Taupō
    • Gisborne
    • New Plymouth
    • Napier
    • Hastings
    • Dannevirke
    • Whanganui
    • Palmerston North
    • Levin
    • Paraparaumu
    • Masterton
    • Wellington
    • Motueka
    • Nelson
    • Blenheim
    • Westport
    • Reefton
    • Kaikōura
    • Greymouth
    • Hokitika
    • Christchurch
    • Ashburton
    • Timaru
    • Wānaka
    • Oamaru
    • Queenstown
    • Dunedin
    • Gore
    • Invercargill
  • Meet the journalists
  • Promotions & competitions
  • OneRoof property listings
  • Driven car news

Puzzles & Quizzes

  • Puzzles
    • All Puzzles
    • Sudoku
    • Code Cracker
    • Crosswords
    • Cryptic crossword
    • Wordsearch
  • Quizzes
    • All Quizzes
    • Morning quiz
    • Afternoon quiz
    • Sports quiz

Regions

  • Northland
    • All Northland
    • Far North
    • Kaitaia
    • Kerikeri
    • Kaikohe
    • Bay of Islands
    • Whangarei
    • Dargaville
    • Kaipara
    • Mangawhai
  • Auckland
  • Waikato
    • All Waikato
    • Hamilton
    • Coromandel & Hauraki
    • Matamata & Piako
    • Cambridge
    • Te Awamutu
    • Tokoroa & South Waikato
    • Taupō & Tūrangi
  • Bay of Plenty
    • All Bay of Plenty
    • Katikati
    • Tauranga
    • Mount Maunganui
    • Pāpāmoa
    • Te Puke
    • Whakatāne
  • Rotorua
  • Hawke's Bay
    • All Hawke's Bay
    • Napier
    • Hastings
    • Havelock North
    • Central Hawke's Bay
    • Wairoa
  • Taranaki
    • All Taranaki
    • Stratford
    • New Plymouth
    • Hāwera
  • Manawatū - Whanganui
    • All Manawatū - Whanganui
    • Whanganui
    • Palmerston North
    • Manawatū
    • Tararua
    • Horowhenua
  • Wellington
    • All Wellington
    • Kapiti
    • Wairarapa
    • Upper Hutt
    • Lower Hutt
  • Nelson & Tasman
    • All Nelson & Tasman
    • Motueka
    • Nelson
    • Tasman
  • Marlborough
  • West Coast
  • Canterbury
    • All Canterbury
    • Kaikōura
    • Christchurch
    • Ashburton
    • Timaru
  • Otago
    • All Otago
    • Oamaru
    • Dunedin
    • Balclutha
    • Alexandra
    • Queenstown
    • Wanaka
  • Southland
    • All Southland
    • Invercargill
    • Gore
    • Stewart Island
  • Gisborne

Media

  • Video
    • All Video
    • NZ news video
    • Business news video
    • Politics news video
    • Sport video
    • World news video
    • Lifestyle video
    • Entertainment video
    • Travel video
    • Markets with Madison
    • Kea Kids news
  • Podcasts
    • All Podcasts
    • The Front Page
    • On the Tiles
    • Ask me Anything
    • The Little Things
    • Cooking the Books
  • Cartoons
  • Photo galleries
  • Today's Paper - E-editions
  • Photo sales
  • Classifieds

NZME Network

  • Advertise with NZME
  • OneRoof
  • Driven Car Guide
  • BusinessDesk
  • Newstalk ZB
  • What the Actual
  • Sunlive
  • ZM
  • The Hits
  • Coast
  • Radio Hauraki
  • The Alternative Commentary Collective
  • Gold
  • Flava
  • iHeart Radio
  • Hokonui
  • Radio Wanaka
  • iHeartCountry New Zealand
  • Restaurant Hub
  • NZME Events

SubscribeSign In
Advertisement
Advertise with NZME.
Home / New Zealand / Politics

Chloe Swarbrick: No, debt is not a rite of passage for tertiary education

By Chloe Swarbrick
NZ Herald·
12 Apr, 2022 05:00 PM4 mins to read

Subscribe to listen

Access to Herald Premium articles require a Premium subscription. Subscribe now to listen.
Already a subscriber?  Sign in here

Listening to articles is free for open-access content—explore other articles or learn more about text-to-speech.
‌
Save

    Share this article

Auckland University students block traffic at the intersection of Symonds St, Grafton Rd and Alfred St during a protest against changes to the student loans scheme, 2012. Photo / Steven McNicholl

Auckland University students block traffic at the intersection of Symonds St, Grafton Rd and Alfred St during a protest against changes to the student loans scheme, 2012. Photo / Steven McNicholl

Opinion

OPINION:

Education is a passport. It's the ticket to exploring our world and our histories, to growing and challenging our ideas, to navigating global pandemics and solving climate change.

Across the political divide, it seems we can all agree that education is critical for the wellbeing and productivity of our country.

The problem is, we have very differing views on whether someone should have to carry a lifetime of debt or suffer immense poverty, for their right to learn.

In environmental circles, most people are familiar with the allegory of the boiling frog.

Advertisement
Advertise with NZME.
Advertisement
Advertise with NZME.

It says that if a frog were thrown immediately into a pot of boiling water, it would react and jump out to save itself.

But if the frog were placed in cool water, the temperature slowly turned up, it would not perceive the rising threat until it was far too late.

Despite fits and starts of protest, that frog is largely the state of the tertiary student experience over the last 30 years.

Trying to progress this discussion and ask if we would like to do better as a nation, a number of commentators and politicians tell me that it's always been the case that students have struggled. Nothing's new, they'll say.

Let's have a look at some of the things that have changed in the last 30 years, then.

Discover more

Business

The great resignation or the great rethink?

11 Apr 10:36 PM
New Zealand|education

When the lessons end: A secret relationship with her music teacher

12 Apr 12:00 AM
New Zealand|education

Rising costs forcing kids out of school to help families, says principal

11 Apr 05:00 PM
Lifestyle

'I'm asexual, this is what people always ask'

11 Apr 05:28 AM

Student debt didn't exist before the 1990s. Before I was born, the cost of access to tertiary education was a nominal fee – akin to, say, the administration costs for a passport – that nobody need take out a loan for.

By 2004, average domestic student fees in Aotearoa across tertiary education institutions were NZ$2367. By 2019, they had increased 81 per cent, to an average of $4294 per equivalent full-time earner.

Advertisement
Advertise with NZME.

In 1992, the year after student loans were introduced following the let-rip of free-market competition, the average borrowed per year per student was $3628; by 2019, it had increased by 172 per cent, to $9867.

In 1999, 62,748 students received the Student Allowance. In 2021, despite our population growing by a million, 61,068 – yes, fewer than in 1999 – received the Student Allowance.

In 1999, the average amount of Student Allowance received per eligible student was $4420. In 2021, it was $6641. Adjusted for inflation, which would bring the 1999 value to approximately $8265, the minority of students receiving the allowance in 2021 are $1600 worse off than their counterparts 20 years ago.

A young boy joins students protesting outside the Auckland Central Police Station. Photo / Dean Purcell
A young boy joins students protesting outside the Auckland Central Police Station. Photo / Dean Purcell

We all know costs haven't gone down in the meantime.

People sometimes ask me why students aren't protesting this nonsense as we saw in mass student movements of the 1960s, 70s and 80s. We're back at the boiling frog.

One of the biggest temperature leaps was the 2011 passing by the National, Act and United Future majority in Parliament of Voluntary Student Membership. Ninety-eight per cent of submissions had opposed the Bill.

Advertisement
Advertise with NZME.

The demolition of automatic representation and belonging to a student union – much like, say, automatic citizenship or belonging to a local council's remit of responsibility – has decimated funding to student associations, their membership and their capacity to organise, let alone build institutional knowledge and campaigns.

These past five years that I've been working with student associations to fight for better outcomes, I've been astounded at how much time and energy is taken up fundraising for money to perform basic functions.

Throughout Covid, while wage subsidies were provided directly to hundreds of thousands of impacted businesses, students were required to beg their institutions for access to the "Hardship Fund for Learners".

Many who were declined ended up turning to their student union. Many student unions had to reallocate funds from core functions to support their students, no questions asked on voluntary membership, despite their institutions, not the unions, receiving tens of millions of dollars for the hardship fund.

While we've had some successes these last few years, like the Student Accommodation Inquiry leading to the first-ever Domestic Pastoral Care Code and recourse for inexcusable experiences, the frog is still boiling.

Petition after the protest, Parliament largely refuses to act.

Advertisement
Advertise with NZME.

That's why this week we did something unprecedented, working with student unions – led by the New Zealand Union of Students' Associations (NZUSA), Te Mana Ākonga, Tauira Pasifika and the National Disabled Students' Association among 33 student unions – to launch a People's Inquiry into Student Experiences and build the organising infrastructure to demand action, now.

We're asking the things StudyLink won't do in order to take back the political power governments have spent decades undermining.

• Chloe Swarbrick, Green Party, is the MP for Auckland Central

Save

    Share this article

Latest from Politics

PoliticsUpdated

Waitangi Tribunal review to kick off, Act calls it 'activist'

09 May 02:53 AM
New Zealand|politics

Nationwide protests erupt over Government’s pay equity rollback

PoliticsUpdated

Watch: Govt invests $774m in improving state abuse redress scheme - but no new scheme

09 May 12:32 AM

One tiny baby’s fight to survive

sponsored
Advertisement
Advertise with NZME.

Latest from Politics

Waitangi Tribunal review to kick off, Act calls it 'activist'

Waitangi Tribunal review to kick off, Act calls it 'activist'

09 May 02:53 AM

David Seymour said the tribunal needed to be put 'in its place'.

Nationwide protests erupt over Government’s pay equity rollback

Nationwide protests erupt over Government’s pay equity rollback

Watch: Govt invests $774m in improving state abuse redress scheme - but no new scheme

Watch: Govt invests $774m in improving state abuse redress scheme - but no new scheme

09 May 12:32 AM
Premium
Editorial: Getting CRL greenlit may be Key's lasting Auckland legacy

Editorial: Getting CRL greenlit may be Key's lasting Auckland legacy

08 May 05:00 PM
Connected workers are safer workers 
sponsored

Connected workers are safer workers 

NZ Herald
  • About NZ Herald
  • Meet the journalists
  • Newsletters
  • Classifieds
  • Help & support
  • Contact us
  • House rules
  • Privacy Policy
  • Terms of use
  • Competition terms & conditions
  • Our use of AI
Subscriber Services
  • NZ Herald e-editions
  • Daily puzzles & quizzes
  • Manage your digital subscription
  • Manage your print subscription
  • Subscribe to the NZ Herald newspaper
  • Subscribe to Herald Premium
  • Gift a subscription
  • Subscriber FAQs
  • Subscription terms & conditions
  • Promotions and subscriber benefits
NZME Network
  • The New Zealand Herald
  • The Northland Age
  • The Northern Advocate
  • Waikato Herald
  • Bay of Plenty Times
  • Rotorua Daily Post
  • Hawke's Bay Today
  • Whanganui Chronicle
  • Viva
  • NZ Listener
  • What the Actual
  • Newstalk ZB
  • BusinessDesk
  • OneRoof
  • Driven CarGuide
  • iHeart Radio
  • Restaurant Hub
NZME
  • About NZME
  • NZME careers
  • Advertise with NZME
  • Digital self-service advertising
  • Book your classified ad
  • Photo sales
  • NZME Events
  • © Copyright 2025 NZME Publishing Limited
TOP