I’m 46. I still owe £11k on my Plan 1 loan despite finishing uni in 2002! I had my first child in 2007 and went part time, having a second in 2010. Throughout that time I was accruing interest despite not earning enough to make repayments. Under this plan I’ll have to keep making repayments until I’m 65 or the loan is repaid while other younger graduates who have plans with the 25 year payment period will have theirs written off. And while my male counterparts who likely took minimal paternity leave and stayed full time will have paid theirs off in full. I feel my cohort has the very worst deal in terms of student loan structure.