A debt specialist has said that the positive attitude of graduates when they leave university could help to find them a job and avoid getting into too much financial difficulty. James Falla, managing director of debt consultancy Thomas Charles, said that most university leavers were optimistic about paying back the money they had borrowed and were unconcerned about debt or bankruptcy. He added that graduates did not have to pay the cash back until they were earning enough and that most were planning on getting work immediately to help pay off their loans when they graduate. "Generally the attitude of younger people in jobs tends to be, in my view, a positive one, so they're thinking: 'I'm not going to declare myself bankrupt and all the bad stuff that comes with that – I should be able to work my way out of this. "Give me a couple of years and everything should be fine'," he said. Mr Falla also suggested that while today's students were managing to accumulate more debt than before, they had little time to generate large amounts of debts on any loans other than those provided for study. According to the Office for National Statistics, in 2005-06, 98,000 graduates paid back their loans in full compared to 83,600 the year before.
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