Should DS pay back student loan now

[Kiki105]

My DS went to Uni in September 2020 but by April 2021 had dropped out due to Covid. During that time he had accrued a £10,000 student loan and living allowance debt. He now has a full time job but is unlikely to earn above the threshold for a few years before money is deducted from his salary to pay back the loan. My question is should he start making personal contributions now to clear this debt sooner rather than allowing the debt to increase due to the added interest.

What difference does it make once the interest accrues? He'll pay it off incrementally if his salary increases and unless it increases an awful lot he's unlikely to ever pay it off in full. But it doesn't affect his credit in anyway so there's no rush to pay it.

Wont he need it to go back to uni, if so what difference does it make to them if he studied then doesnt claim for however long to use up the funds.

It's the amount of interest that will be added over the years that worries me and why have £10,000 hanging over you for 30 years. I used one of those student loan calculators and over 30 years the total repayment could amount to £18,000 or more. I get that student loans don't affect your credit score but surely he may as well try and clear this amount. He has no plans to return to Uni.

My student loans are around £60k, they accumulate more interest than I'll ever pay off and they take around £200 from me every month but I definitely don't worry about it and it doesn't hang over me. Each to their own but I would save the money for something rather than worry about overpaying my student finance.

I wouldn't overpay. They write it off by pension age, it stops being paid if your income dips and the money you want to pay to student finance would be better spent on a house deposit.