I took out a student loan for £4,000 to pay for my level 3 course. I only earn £24,000 per year which is not enough to start the automatic repayment. A couple of months ago I got an increase in that months wages due to national insurance or tax changes, I can’t quite remember. So the threshold was met and they took out 1 payment. I obviously can’t afford to pay £4,000 in one go but I don’t want it to sit there building up interest. So shall I set up a monthly payment plan myself? Then I can just get rid of it eventually as I don’t want to just leave it. I’m not going to use my diploma as I didn’t even get the grades I needed for uni. I would need to sit a foundation year too which is £6,500. So I don’t want the £4,000 building more interest. Thanks 🙏