"Why are working class people more disadvantaged than middle class? If Student A is middle class, has a student loan, gets a degree and a good job and Student B is working class, has a student loan and gets the same degree and job they will be paying the same amount of repayments, so their background makes no difference"
I would say there are two differences. Firstly it is actually a lot harder for working class people to break into largely middle class professions than it is for middle classes, for psychological reasons. Whatever the theory of recruitment the fact is that most people recruit people similar to them, with whom they can communicate well and have shared interests with, so working class people have to be much much better to be selected (I speak there from my own experience and that of my dh and other cross-class people I know). Plus working class people tend to have lower aspirations due to confidence and just different experiences. So they will find it harder to get into high paying jobs anyway. This is how the class system maintains itself.
Secondly middle class youngsters will typically - I know this isn't universal, but typically - get and expect financial support from their parents throughout their lives, the 'mum and dad bank'. They might get given cars as birthday presents or given a deposit for a mortgage for example. For working class youngsters that support isn't there, in fact they're more likely to be supporting other family members as the one who made it good. That is what they will expect. That is a significant difference when it comes to starting off life with debt. Gifts of deposits alone are immensely valuable, wish someone would give me one! Remember nowadays that student loans are taken into account when applying for mortgages, and there are now plans to make students start repaying loans earlier at lower wage levels, so that junior doctor will be even more stretched.
I also feel for todays youngsters, it is a horrible state of affairs. I come from a time when £400 debt was considered a major debt, I really struggle to understand how in just 15 years society has become so sanguine about youngsters starting off in life with £50k debt around their neck. Back then that would have been enough to buy two houses - and there's another story. Coupled with a broken jobmarket, with so few jobs available, most left insecure, and those in professional employment stressed out through overwork. The system will crash again, and soon.