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3. A person qualifies for a college fee loan if he meets the following conditions—
(a)he is an eligible student who is not excluded from qualifying by paragraph 4 or 5 or he is treated as an eligible student by virtue of paragraph 6;
(b)he has an honours degree from an institution in the United Kingdom;
(c)he is taking a qualifying course which he begins on or after 1st September 2006;
(d)he is a member of a college or a permanent private hall of the University of Oxford or a member of a college of the University of Cambridge; and
(e)he is under the age of 60 on the first day of the first academic year of the qualifying course.
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