UK Debt back to haunt me

I would agree RXP that you would be better off to pay it off and get rid of it. If you were to contact them and agree to pay it back in some shape or form, they would be more than happy to come to an agreement with you about paying it back either in stages or in a reduced lump sum. They would be so delighted to get the bulk of their money back that they would definitely accept a lesser amount.
 
You should definitely pay the money back. It doesn't matter that you were a student when you took the loan out, YOU spent the money. I took out 2 loans when I was a student and I paid them back. Money isn't free, and loads of students manage to pay off there debts so there is no reason that you shouldn't do likewise.
 
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