Fusible.
How big are your NUTS! Doesn't matter what you are earning. £15,000 is a LARGE wad of cash!
I wish sum people would keep some perspective on these potential salaries that can be earned. With a £60-100,000 income comes a £60-100,000 lifestyle, home(s), car, wife, kids, etc. People just don't wipe off these 'extra debts from training', they have a habit of sticking around for a while. People therefore have a right to be concerned.
To just wave it off is pretty unrealistic. Unless of course you have been there and done that! In which case can you let us know the secret of such astute financial management
!