Sounds like you have buyer's remorse that you didn't do a 'more useful' degree from the link. Don't get me wrong, I'm still paying off my loan, and hate having the 'debt' but my understanding is that it is not relevant to Covid as your link implies - anyone who loses their job, or loses a large proportion of their salary, or is is temporarily too ill to work will automatically have their repayments paused until they are again earning above the threshold. For anyone who heaven forbid dies due to covid, it's not a debt that has to be paid by the estate. For anyone who lives but is too ill to work again, the debt is completely wiped. I get that the interest is a pain, and I have been personally trying to make voluntary repayments on my loan to get rid of it sooner and avoid so much interest, but that would only be advised in limited circumstances (when you are definitely going to pay back the full loan anyway).