The Student, when he/she repays their loan. According to Hutchies link the average starting salary for a graduate is 25k - 29k so most students start repayments on their first job.

The banks probably, they issue the loan the same as they would to you or I.

Persons with degrees statistically earn more and contribute more to the economy and taxes through earning and spending.

You can't means test season ticket prices.

I know...point was,why do students get a discount and the unemployed/low wage workers dont? Ok they are working for minimum wage but still have living costs like students.

It's a fair point, but it's the way of the world, unfortunately.

Oh i agree totally........

Hull City used to have a 16-21 'youth' pass, don't know if they still do.