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London Guildhall University writes off student debt only when it has exhausted all avenues for collection ("'No fee, no degree' threat", THES , July 5). Withholding certificates or graduation ceremony invitations is a "last-resort" sanction.

Debt management and cash-flow control is a growing challenge with widening participation. The majority of students who pay on time are subsidising those who evade payment.

Peter Chivers
Acting director of finance
London Guildhall University