The principle of fair access is central to debates about higher education: almost everybody agrees that no one should be denied the opportunity to go to university because they cannot afford to pay. This is why we have a subsidised loans system. However, this principle has not been applied to postgraduate study, where there is no subsidised loan system at all. Rick Muir writes about his latest report for IPPR which shows why we need such a system for postgraduates and how it would be affordable for government to implement.