Sarah specialises in advising universities on lending arrangements and financial restructuring. She has worked closely with universities for 20+ years on a variety of different financing products including private placements with institutional investors, listed public bonds, aggregated bond structures, term debt to finance campus development and revolving credit facilities with clearing banks. More recently, Sarah has supported a number of universities on financial restructuring and transformation, including dealing with going concern queries from auditors and compliance with the financial sustainability aspects of the Regulatory Framework, Reportable Events, Student Protection Directions, contingency planning and interaction with Office for Students, the implications of the USS Debt Monitoring Framework and compliance with the Pension Schemes Act.