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Starting PGCE, should I take a loan from student finance?

Hi, I am starting a PGCE in September and have been told I could apply for student finance. I am in a lucky position where I do not really need the finance (I have savings and a bursary for the course) and any loan would go straight into my savings (maybe towards a house in a few years).


My question is, would it still make sense to take the loan? I am a little confused if I would actually be at a loss or not, with how the interest works on the loan etc.


Many thanks for any information!
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