You clearly know what you are talking about.
Re the bond, I never took it out as I was self funded so didn't really look at it, can you explain how it works for folks here, when is it actually paid back?
What happens if you don't get a job (which will happen to 2% of people if you take
@planedrive's stats)?
Or are sick and cant make the repayments?
Or say you decide £20,000 a year is too low and your circumstances change and you need to get a job elsewhere, earning £25,000 do you still get the bond back?
£1,400 monthly repayments; that sounds huge? Are you sure that's right, my mortgage was no where near that!