no offence......but well done for stating the obvious. If you can meet the repayments then of course there is no problem but before living you would need to be earning pretty much £20000 just to service the loan. And I really don't believe in the second career thing much, I know trainees who are qualified doctors, engineers, cabin crew, architects, ramp agents, lawyers, accountants, ex military officers and none of them can get a job so what do you recommend? Shelf Stacker? But then comes the problem of needing £1200 a month just to service the loan so that counts that out.