When I went to see if I could get a Post Graduate and Proffesional Studies loan for £15,000 for Britannia they asked to see my Degree certificate. He even took a photocopy of the certificate for his records. They seemed fine about giving me the loan and I have no doubt that they would have lent me more if I had asked. I have no equity, but I think a degree stands for something like that. They also like to know that you are bonded to the company when you get a job so you are guaranteed a few years work and salary to pay back the loan with.