My son has lived in the USA for 9 years and has always paid his monthly UK student loan payments.  He sometimes struggles to afford them and frequently threatens to stop paying them.  I nag him to keep paying!  What are the risks if he stops paying?


  • silvercar
    silvercar Forumite, Ambassador Posts: 45,941
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    If you don’t [make payments] they can charge penalties on your loan and where necessary, ask you to repay the full amount of loan plus interest and penalties in one lump sum.

    “By law, you must repay your loan in line with the loan contract and regulations. If you don’t make repayments, SLC have the right to take legal action to recover your debt. This means SLC can get a court order to make you repay the total debt plus interest and penalties in a single payment.

    This can be enforced through the courts as a civil debt, whether you’re in the UK or living abroad, and you’ll be responsible for all costs, including legal costs.”

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