Student Loan Write Off

marshallka wrote: »

I never said he had a "degree certificate" and did not say every student and I am annoyed at our system. Where you say that you indebted yourself every year just to get by that is life. We indebt ourselves to get by by having our mortgage and paying our bills but if we get into debt then we pay them off and always have done. If we don't pay them then we get CCJ'd and also most probably lose our homes. My son worked for an apprenticeship and after doing 12 months of earning £2 per hour and working hard as well they got rid of him as they could then get another mug instead of paying him the minimum wage he was entitled to.

If every student indebted themselves and then could not get the perfect "real job" paying the "perfect wage" and left the debts to the rest of us then where would this country be.

My husband is a fully qualified electrician and never went to uni. He got a job and went to college at night and suffered that way. I am not a lover of student loans and all this debt that is often left and written off. My husband earns under 25K now... could we leave all our debts for 25 years that we have purely as he had to learn in the evening. Perhaps he does not have a "real job!!!".

Sorry if i am waxing lyrical here again but I am entitled to post. The OP was asking about if he/she did not work then would the loan be written off. I simply expressed my own views on the subject.

Success40 wrote: »

I have a student loan which was taken out in 1997. I am still willing to pay my loan even though i have never earnt over the threshold of what I thought was £15k buit now believe to be £27k?
I studied when my children were young at the local college and was encouraged to go on to HE studies after my GNVQ finished. I was then and still am now a single parent. I couldn't make the long journey to my course, it meant very early starts and very late evenings which just wasn't practicle with 2 children under the age of 10. So I droppped out of that course within a matter of months.
I have since found out that he SLC have sold my loan on to a debt receovery agancy as I failed to return my deferment forms.
I am now on a FdA course which I started this September but I am unable to get funding for it anywhere. The SLC wont give me another loan (or Grant as I am entitled to a SLC Grant due to having dependant children), FdA's are not eligble for outside grants or CDL's as they are HE courses. So I will have to drop out in a few weeks if I don't get the funding!
I am in a lose lose situation, I cant get the job that I want because I don't have any qualifications, and I cant get the qualifications because I am in debt. So either way I can never get a good job and increase my earning potential.

I think its rotten of the SLC to penalise me from getting an education because of my financial circumstances. I am 39 now and still a temp surrounded by people 10 to 20 years younger than me doing the same work and getting paid thousands a year more than me with all the benefits on top like holiday and sick pay (which you don't get as a temp)! I cant go on training with work because I'm not classed as 'staff'!
It's crazy to think that just because you didn't send back a peice of paper your entire life can be ruined.
I have never been a stay at home mother, I worked and studied and it's got me nowhere. The friends I have who stayed at home and claimed benefits have great stress free lives and very little debt if any at all and they have husbands and they still get tax credits on top of their earnings if one of them decideds to go to work. I have to pay the same bills as these couples on a fraction of the pay. I pay the same council Tax as a family of of 4 next to me whwre all four are working.
I literally work for nothing, after my last pay went into the bank I had 0.08p left for the week after all my DD's had gone out.
Having a Student Loan and going back to college has been one of the worst things I have ever done in my life. Sad thing is I know the only way I can get ahead is to return to education, but I have been refused that!!

Lokolo wrote: »

Part time?