poteroo, they've "sussed it out" have they? It gets taken out automatically once they hit $53,345:
Loan Repayment - Study Assist
So they're deliberately limiting their income for life to avoid paying back a few grand?
Why does anyone who has no qualification need to study? An MBA is about as useful to most managers as it is to a tea lady, based on the amount of damage said graduates inflict on organisations.