If you have up to four student loans, you must repay in 60 monthly payments. Five or more loans are repaid over a period of 84 months. When you start repaying, a maturity date is calculated when your loan should be paid. If you are subsequently accepted for a postponement, the due date will be extended accordingly. I had a student loan in 1992 and had assumed I didn`t have to start repaying until I earned £17,000. I`ve never earned so much, I left university prematurely for health reasons and haven`t worked since 1997. I think you should talk to National Debtline about it, see www.nationaldebtline.org/EW/factsheets/PDFs/42%20EW%20Fixed-term%20student%20loans.pdf When was the last time you made a payment for these loans or contacted the creditor, e.B. get around? Hello, I had a student loan in 1995 and I was carried over every year. I got married in 1997 and sent them my marriage certificate. I moved in 2000 and sent a change of address, but they didn`t respond.

About 2 years later, they started sending mail to the wrong house (actually my new neighbor) in the wrong name (a version of my married name). About 24 months later, collection agencies came to my door and demanded money, I never earned enough to repay the loan. I had just been discharged from the hospital with a newborn after a week in a ward for people with a strong addiction; My husband and I were both in a desperate state without two heavyweights trying to break into the house. My husband made a payment (I`m thinking £1000) to the debt collection agency and suddenly my details became correct and I was able to postpone my loan again. I wrote to the student loan company to ask for my marriage certificate and express my anger at their inability to get my address correctly, even though I had filled out all the correct paperwork. My question is: will my debts still be cancelled after 25 years (I also had the letter asking me if I wanted to pay 50) and will I ever see my £1000 leave me after the birth of my second child because I didn`t have to pay that? Thanks in advance! “The lender will cancel the borrower`s responsibility to repay the loan if the borrower – . (b)is not in default of repayment under a student loan agreement and — (i) was less than 40 years of age when his last student loan agreement was concluded and he reaches the age of 50 or if the last student loan agreement has been pending for at least 25 years, whichever is earlier; …” It may be a good idea to send Erudio and Student Loans a request to copy all of your personal information in an attempt to resolve the discrepancy. Send customerservices@erudiostudentloans.co.uk by e-mail entitled “Access to my data” and fill out the form on the SLC website here: www.slc.co.uk/about-us/data-subject-rights/right-of-access.aspx. No. Any loans you repay through your employer or HM Revenue & Customs are called Income Conditional Repayment Loans (KPIs) and are not affected by this sale, so you continue to repay them this way. If you have any questions about your ICR loan, please contact the student loan company: www.slc.co.uk/contact/customer-enquiries.aspx Salut. I took out a loan of around £1,000 as a student in 1996.

It wasn`t for the classroom, just for life in general. A few years later it was transferred to Wescot and although it was a minimum wage, some refunds were made. Since I assumed that all refunds would be deducted from my salary, I hadn`t contacted Wescot to get a payment plan when I changed jobs. Now I applied for an OR degree with SFE funding for 2020-21, but I was told I had a loan with Erudio. I just sent them an email asking what details they need for an account reference, and I saved the above document to ask them for information about my account details. I will also contact National Debtline if SLC_Repayment/SFEngland confirms that I am in arrears. I wonder if I should just wait a year or try to contact them to prevent CCJ, etc. or other complications of NFE in the near future. If you started college before 1998 and are abroad, you can make arrangements to continue or defer your student loan repayment. Support Payments – A copy of the letter of the maintenance contract confirming the amount of support provided by the person making the payment to you. National Debtline`s fact sheet explains how repayments are calculated www.nationaldebtline.org/EW/factsheets/PDFs/42%20EW%20Fixed-term%20student%20loans.pdf, but it doesn`t have a calculator.

As the article above says, National Debtline are good people to talk to about these former student loans. I suggest you call them on 0808 808 4000 and discuss the details of your case. If you are having trouble obtaining proof of deferral, maintenance of payments or other questions, please call our team or email customerservices@hsloans.co.uk for help and advice specific to your situation. .