Introduction It is estimated that student debt is a fast growing type of loan for those who cannot afford to pay for their education (Soederberg 2014; Fraser 2016; Shermer 2015). Ross (2013) says that the growing appetite for student debt can be a source of conflict for students, governments and employers. Indeed, it is common to find students with debts, which run into tens of thousands of pounds without a clear plan of how to pay them. Consequently, there has been an outcry among students that the burgeoning debt burden will have a negative impact on their lives for decades (Shireman 2017; Martin 2017; Houle & Warner 2017). Since the size of student debt is rising, a proposal is contained in this document to assess the effects that high student debts have on higher education in the U.K. The importance of undertaking this study is characterised by the fact that high debt levels could affect student requirements and human capital resource distribution in higher education (Martin 2017; Houle & Warner 2017). Approach The sources used in this review were obtained from reputable databases – Sage Journals and Science Direct . The keywords used to search for the articles were “higher education,” “student debt,” and “the United Kingdom.” The researcher made an effort to include only reputable research materials in the review. Therefore, journals were the main research materials sampled. Particularly, the researcher made an effort to include articles that were based on empirical research and that focused on the United Kingdom. However, the inclusion and exclusion criteria were characterised by timelines, which define when the research studies were published. In line with this vision, only studies that were published within the past five years (between 2013 and 2018) were included in the review. The exclusion criterion was defined by the omission of research materials that were published earlier than 2013. The aim of employing this search strategy was to get updated research materials for review. Literature Review Introduction This section of the paper highlights what other researchers have said about the topic of study. At the end of the review, a research gap, which justifies the need to conduct the proposed study, will be provided. Understanding the effects of student debt in the U.K. higher education sector will also provide information for policymakers to rethink the structure of student debt as envisioned in the work of Cole and Heinecke (2018), which proposes the need to reimagine higher education. This literature review is structured in a way that a background of the review is provided, the main themes that emerged from a review of previous studies are discussed, and information relating to the techniques employed to get the research materials for review highlighted. In the end, a conclusion highlighting the research gap is provided. Information about Sources The sources used in this review were mainly journals, which contained information relating to the research topic, which is assessing the effects of educational loans on higher education in the U.K. Table 1 below explains the search terms Table 1. Search Terms. Term              Justification             United Kingdom    Localise the studies      H