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However, as Mr Allingham said, many university graduates may need the cash for their day-to-day expenses.

Tom Allingham from Save the Student said for many getting a refund could make a world of difference.

"It is definitely worth doing, particularly even with the cost of living crisis still lingering on a little bit, having that extra boost of cash right now could make a world of difference," Mr Allingham said.

Mohammed Khan, 23, and Elizabeth Allingham, 18, are both trainee bricklayers on much sought-after apprenticeships.

Ms Allingham says these issues are an expected consequence of mental health worsening during successive lockdowns.