This report explores the full cost to individuals of participating in further education in England and Wales--the nature and level of cost that individuals incur when they participate and the impact student financial support has on an individual's learning experience. Under taken jointly by the Learning and Skills Network and the National Union of Students, it aims to investigate the extent to which financial hardship still presents a barrier to further education for many students. Two appendices are included: (1) Questionnaire; and (2) Survey responses: summary tables. (Contains 2 tables, 31 figures and 10 footnotes.)