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@christian39 The more obvious thing is no one is going to give you a mortgage when you start your PhD based on one years income or a couple of years at £5,000. Although the student loan doesn’t count as debt you can’t really include the payments as income.

@fromtheearth It’s a good scheme and one of the perks of a public sector job. It will make up a little for being paid peanuts. Don’t drop out.