UK MPs have criticized government student loan communications that compared repayments to phone contracts or cinema tickets, calling it “mis-selling” in a new report from the Treasury Committee. The report argues the information did not clearly convey how terms could change retrospectively and questioned the fairness of freezing repayment thresholds. The committee also referenced a BBC investigation into promotional materials that used examples it said were inaccurate for higher earners. MPs asserted the government should comply not only with the law but with basic fairness and decency expectations, even if the student loan policies are exempt from consumer protection laws. A cited policy point is a threshold freeze introduced after Chancellor Rachel Reeves, which would keep the repayment threshold for Plan 2 loans at £29,385 between 2027 and 2030 instead of indexing to inflation.