The number of mortgages taken out by movers rose to 30,700, while the value of those loans increased to £5.1bn.
The balance was then added back into the loan, increasing the overall debt.
Under the first scenario the loan could not include interest-only payments, a balloon payment and regular payments could not result in the principle of the loan increasing.
Bloomberg estimates that the Fed's loans increased the bank's profits by $1.8 billion.
In one poor-performing sector after another, the firms with the most bad loans increased their investments at the expense of healthier competitors.
The number of students accessing VET Fee-Help rose from 55,115 in 2012 to 202,776 in 2014, according to government figures, while the total value of loans increased from $325m to $1.76bn in the same period.
Spain's biggest bank, Banco Santander, made debt provisions of more than €18bn (£15.4bn) last year as the property downturn intensified and the number of toxic loans increased.
This week London Economics, found that if the write-off of students loans increased beyond 48.6%, "the economic cost of the 2012-13 higheducationion reforms will exceed the 2010-11 systhatthat it replaced".
Consumer demand for loans increased, the bank said.
