To wonder why anyone rushes to pay off their student finance?

You are contradicting yourself in you post. You said no bank works on net income and then say that you take into account deductions... Which is it?
Also, OP clearly says that no bank asked her for the total amount of student debt. This is not the same as not asking how much the monthly repayment is.

I don't understand either op.

I left with £9k student debt in 2010 and it now sitting around £14k, I pay back £7 a month. Why would I choose to pay anymore?

It'll be written off when I'm 51 (30 years after graduation on plan 4).

I just put it into ChatGPT and it says I need to earn £130k for the next 26 years to pay it off. I earn decently now, but not that well and don’t think I’ll ever earn that well!!

The balance isn't relevant to mortgages but the monthly payment you make is and a lot of lenders will include it as a monthly deduction

Oh and just to add I Underwrote a case today where one person was paying £677 a month on their student loan. Definitely taken into account

So because you've had several mortgages you know better than someone that has underwritten mortgages for the best part of 25 years?? I don't know a single lender who works using net income! It varies so much from person to person. So someone who puts in extra to their pension would be able to borrow less, what??? We use gross income and the bank I work for and many many others categorically deduct student loan if its on your payslip whatever you may think.
I've read some rubbish on here but someone trying to tell you what you do in your day to day job takes the biscuit!

Must be hard being this much of a saint.

I don't get why no one did this

Really? You have no clue why everyone in the UK wasn't able to stay at home rent free while at uni? What a daft comment.

According to Martin Lewis over 80% students on Plan 2 student loan would be financially better off not making any extra payments on their student loan. He says that only very high earners are likely to repay their student loan in full. Even with higher earners, it makes sense to prioritise additional mortgage payments over extra payments on student loan. This is because mortgage payments have to be made regardless of income, whereas student loans only need to be paid if you are earning above a certain threshold.

So personally, when the interest rate was low I didn't bother paying extra. However when the rates started going up, it became more worthwhile making overpayments. Combined with the fact I'd hit my mortgage overpayment limit and the fact higher interest rates meant I was close to paying tax on my savings, it became the most financially sensible option (I was in a secure job and would have paid the full amount anyway due to my earnings)

Yeah this is me. I was only over the threshold for about 4 years and paid the lowest level back. Now SAHM for 4 years. On plan 1. Probably will go back to work and earn £20-30k. I asked chat gpt to work it all out for me and it said I would need to go back full time from next year and earn £60k to pay it off. So yeah looks like I won’t ever pay it.
i also got a return recently of the half year I worked before last baby and £500 back (or option to use it against debt!!) I opted for refund!!

I have no idea what I owe. It only ever came out of my wages a handful of times (and you had to be earning over £15k then... I was doing a lot of overtime).
I went to uni (for all of about 3 months - dropped out) in 1999. I think I only took out £3k.
I would not be surprised if it is 3 times that now. No way of checking as I never had a SLC login... I didn't have the internet back then 😅Am on UC, so not paying any back anyway.

My DC owes over £140k from full maintenance and tuition loans for 6 year degree 8% daily compound interest.
Nearly impossible to work through degree and single parent family so no opportunity to help. Very depressing 🥺

My first job after university paid more than double my university job. So if I'd gone home after university that would have been more efficient than spending two years pre earning to pay for it all.
Not that I did, I moved to London and spent it all on rent!

That doesn't make any sense.

It doesn't impact credit report, if you pay a small portion of your salary net, its just part of the bundle of deducations on your salary- what is your net income is all my broker has ever cared about, I have had several mortgages and the actual amount of loan has never been considered, just how what I take home.

And I'm sorry it is a cheap loan !

Show me the bank that will borrow on those sorts of terms at that interest??? Borrow 10s of thousands of pounds and pay back something stupid like 20 quid a month if you earn 30K on a term that lasts for decades and will be written off when you reach retirement ?? If that's what you think is an expensive loan, I think you work in the wrong industry.

Same for me. 5 years of ed. Started with something around 90k debt, now closer to 130k despite a very decent salary. There is just not even a tiniest point in stressing about it. It'll be wiped off before I retire and will likely reach half a million by that point.

I went before the fees went up, interest rate was 1% above inflation which was fine until Liz Truss turned up.

I'm a high enough earner to mean that it's guaranteed I will pay it off and it's hundreds out of my salary each month.

Got it down to £5k this year and got a bonus from work. We planned to pay off a £5k holiday that we'd put on a 0% card but looking logically, why would I do that when the £5k student loan had a 5% rate on it? So I paid off the student loan and am a good few hundreds of pounds better off each month. I'm saving that in a 5% interest account so it will actually earn money and will pay off the holiday at the end of the 0% period with it.

So simple maths in my case!

Yes, they are indeed. The system is full of flaws, and doesn't even fund higher education. The universities make a loss on home students.

Feel better about what exactly?

You asked a question, people answered it and you still kept going on and on about your point. It works for you, that’s great but it’s not the only way. Really not that difficult to understand

I've got a degree in social work. I became a social worker. After 10 years I got PTSD through work
I now earn not enough to pay back said degree. I'm happy with that as the degree is worthless.

The interest on it is a joke. I’m a higher earner, £85k plus bonuses annually and mine just goes bloody up! So I don’t care about mine either and certainly won’t be making overpayments just on interest

Im surprised it’s not a mis selling scandal to be honest

If you are so well educated, surely you are able to see that everyone’s circumstances are different?!

An individual who is a higher rate tax payer and forecast to pay it off before the 25 years may decide it’s better to get rid of it sooner, especially if on higher interest rate plan. Or their mortgage may have been fixed for 10 years when rates were lower so this is the lower of the two rates. That’s just two examples of many where it could make sense to pay off sooner

Martin Lewis is brilliant for education the majority as the population as a whole tends to be clueless about finance but his advice is not the only way forward. Others who are also educated and will make decisions based on their circumstances.

Your way isn’t the only way