Student Loan Repayment — Scope | Disability forum
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Student Loan Repayment

FactionParadox Community member Posts: 19 Connected
So I just got off the telephone compliance interview with the DWP, since the student loan never went to my account and I don't recieve grants of any kind, my benefits are untouched. My question is, I'm considering starting to make repayments on the student loan. I don't like it sitting there and I'm thinking if it's gone there's nothing to complain about. Would doing that upset the DWP? I've just got them to leave me alone, I don't particularly want to go back into the frying pan again. The past month has been pure anxiety. I just want to be left alone to get on with my life.


  • Alex_Scope
    Alex_Scope Posts: 7,562 Scope online community team
    edited February 3
    I do know that depending on when you studied and where you are based, your student loan will be written off after a number of years, but I'm also aware that a few decades is a long time to have that hanging over you, as you say. 

    Usually, you'll be able to begin repaying the loan once your income goes over a certain threshold, as the website advises: 

    You can choose to make extra repayments towards your student loan. These are in addition to the repayments you must make when your income is over the threshold amount for your repayment plan.

    You should only make extra repayments if you think you can pay off the full balance before the loan term ends. This is because your loan will be written off at the end of the term.

    There’s no penalty if you make extra repayments but they are not refundable.

    It's also worth noting that if you are declared 'permanently unfit for work' and receive certain benefits, the Student Loans Company can cancel your loan.

    I'd encourage you to have a chat to a financial adviser too, you can search for one on Advice Local. I hope this helps, but please say if we've missed anything. 
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