The main providers of car loans for consumers with poor credit are direct lenders, including banks, credit unions and finance companies, and indirect lenders, such as dealerships, that typically work with direct lenders.

Traditionally, mortgage lenders applied a multiple of your income to decide how much you can borrow. So if you earn ï¾£30,000 per year and the lender will lend four times this, they may be willing to lend ï¾£120,000.

Student loan forgiveness is available for people who work in public services, applicants who are teachers, nurses, healthcare professionals, lawyers or serve in the military.