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| I can't believe we've gotten this far in the thread and no one has pointed out that you've got a moral responsibility to pay back the loan.
You borrowed the money, you're earning, you should be paying. Regardless of whether you can get away with it or not, it is your responsibility to repay the loan. | |
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You could argue that there was a greater moral responsibility of successive governments not to füück up further education as much as they have done in the last 20 years. Just look at everything that's wrong with it:
- There's a loan collection system in place with virtually no provision made to collect the debt from people who move abroad or for EU students that have taken out a loan
- Two-thirds of students who graduate today will NEVER pay off their loan. Now who's going to pick up their tab?
- Which bright spark thought it was sustainable to send 50% of the population to university?
- 18 year olds who have no clue what they're signing when they take out one of these loans end up with a life long debt.
- So many university courses in the UK are absolutely useless when looking for a job. Yet impressionable kids are being encouraged to sign up for them (and the life long debt that comes with it)
- How have tuition fees been allowed to become so high?
- How have interest rates for recent student loans been allowed to get so high?
- How are Scottish students (and EU students) allowed to study in Scotland for free but English, Welsh and Irish students have to pay?
- And. And. And.
Successive governments are happily tying kids into a debt to the State that they'll never pay off. That their grand kids will never pay off. Now that's immoral. In most of Europe further education is either free or affordable.
The OP asked how to avoid paying back their student loan for a year or two. I'm not going to judge them. Blame the game, not the players.