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Report of research commissioned by BIS to inform impact and equality assessments on the introduction of loans to fund further education (FE) courses. It also aims to provide insight into learners’ behaviour and how to influence it so that the transition to FE loans is successful and its impact on learners’ choices and options is minimised. It covers motivations for learning, initial responses to the loan proposition, and messages. The underlying data for this publication is also available in a machine processable format on data.gov.uk.