Almost three-quarters of students in Scotland believe they will leave university in debt and two-fifths expect it to exceed £10,000, according to Bank of Scotland's Student Finance Report published this week.
Two-fifths are concerned about the level of debt they face. More than one-quarter put money left over at the end of the month into a savings account, but 24% spend it on treats.
"With money tight, 58% of Scottish students worked to supplement their income compared to 48% across the UK as a whole," the report said.
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