Hi, wondered if anyone has experience in this/could help
I recently received an over payment letter from ESA asking me to pay back my 9250 maintenance loan as I have been over-payed during term time due to taking out a student loan ( I was unaware of this) so will be paying it back.
My confusion now is that it says during term time, my ESA will be reduced from £409 to £10.22, which I'm a little confused with, as if I don't take the loan, would it not remain at the normal 409 amount? am I forced into taking this loan as my ESA will be reduced no matter what due to me being a full time student? A little confused personally, so would appreciate any help anyone could offer

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Thanks