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Scottish graduates win an annual Pounds 8,000 pay-off from their degrees, the Committee of Scottish Higher Education Principals has claimed.

Its research, which will from part of its submission to Scotland's independent committee of inquiry into student finance, shows that, on average, a Scot aged 45 with a degree earns Pounds 12,000 more annually than a 45-year-old Scot who could have gone to university but did not.

The graduate pay premium peaks at 61 per cent in the 45-49 age group and averages out at 44 per cent for all ages.