Complete this passage using words from the box above

Many young find it difficult to find work because of the state of the labour market. This is a particular problem because they frequently have large student which they need to repay. This situation can be made worse because there are now far fewer available from local and central government and scarcely any British universities award nowadays.

One result of this situation is that some of these graduates consider continuing in education by doing a or even a . There is, however, a considerable drop-out rate among those who take this option because their new life does not really compare to their life as when they were studying for their first . Then they had no choice but to go to to take notes and prepare for . study, in contrast, requires much more self-discipline as they receive much less assistance in writing that all important or .