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bykergrove Avatar
banned6y, 6m agoPosted 6 years, 6 months ago
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bykergrove Avatar
banned6y, 6m agoPosted 6 years, 6 months ago
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1 Like #1
well done you..very good...how old are you...60?
#2
Not bad going seeing as though you're 65!! In my days we had student grants but they were a pittance! Well done though, bet it's a weight off you!
#3
oO....
2 Likes #4
So I paid off my student loan today....


http://knowyourmeme.com/i/000/072/260/original/cool_story.jpg?1284755509

:p

how much was it brah? (nosey lol)

Edited By: numptyj on Oct 28, 2010 23:22: .
#5
bykergrove

three years at uni worth brah like 10k or something like that inc interest.


eye sea, I had to pay about £3400 for about 3 months worth of uni haha oops. Even though it wasn't a massive debt, was good feeling when I got rid of it. Now just need dollar to attempt to buy a property, expensive times round this way as you will know

Edited By: numptyj on Oct 28, 2010 23:27: .
#6
You've got a mortgage to look forward to then I suppose
banned 1 Like #7
No more cheap trips to Oldham :)
banned#8
bykergrove
r4ge
You've got a mortgage to look forward to then I suppose


haha yeah! that's next year!!! been saving for a large down payment though and going to do an offset mortgage so looking to pay it off as soon as i can.


and offset mortgage is usually higher in interest, so only good if you have a wad of money sat in there to offset the interest
banned#9
bykergrove



i've done the math on my income/outgoings and offset is by far the better approach for me.


so you found a good interest rate then on an offset then?
banned#10
bykergrove


so you found a good interest rate then on an offset then?


yeah. natwest do good rates depending on your LTV Ratio[/quote]

i personally wouldnt be taking out an offset unless i had a chunk of money to offset it, mainly because you can get better deals other than offset when you havn't got anything to offset, but good luck and hope you get what you want
#11
Woah....pretty impressive...guess you're working in Investment banking or something?

Edited By: SkippyDoo on Oct 29, 2010 00:05: typo
#12
Why you pay off you student loan so quickly?
#13
Wow, a student who actually paid off their loan!.,....

And what's all this 'brah' nonsense, have a word with yourself, it is quite tragic

Reminds me of that bloke on eastenders who cannot act for s$%* and deserves a slap.


Edited By: jayjayuk1234 on Oct 29, 2010 00:24: a
1 Like #14
Chidda
Why you pay off you student loan so quickly?


The same reason he felt the need to tell hukd about it...to tell you how well paid his job is and how much money he has!
#15
The SLC wrote to me saying they'd recently been advised that I was out of employment and they needed to know if I had a new job or what my current status was which was all news to me. I gave them a shout and it turned out the loan had been paid off and the account closed hence they weren't taking money off my payslip. Shortly after I received the letter confirming the loan was paid off and account closed which was a good feeling, can see why you wanted to create a topic about it ;)

John

Edited By: Johnmcl7 on Oct 29, 2010 00:34: .
#16
bykergrove
angelfairee
Chidda
Why you pay off you student loan so quickly?


The same reason he felt the need to tell hukd about it...to tell you how well paid his job is and how much money he has!


LOL why the hate?


Well it's true, isn't it!? I didn't feel the need to post on here when mine got paid off and I earn a lot less than you do!
#17
bykergrove
angelfairee
bykergrove
angelfairee
Chidda
Why you pay off you student loan so quickly?


The same reason he felt the need to tell hukd about it...to tell you how well paid his job is and how much money he has!


LOL why the hate?


Well it's true, isn't it!? I didn't feel the need to post on here when mine got paid off and I earn a lot less than you do!


err no it wasn't my intention actually.

I know there are a fair few post grads on here that would or would be shortly doing the same as me. it felt good. so posted a thread about it. if you didn't like the thread you can go ahead and ignore it.

cheers.


Alright snottypants, jesus.
#18
bykergrove


John you need to find out if you've overpaid.

If you were paying your student loan via PAYE then the HMRC keep hold of the whole year's amount then give it to the SLC in april.

In the final year of repayments there is a risk you might over pay depending on the month your repayments end.

You should double check with the SLC as i found them to be quite incompetent.

I was lucky for a change as I managed to get someone in the SLC who knew what they were doing and she worked out that I'd overpaid and credited me with the excess. Unfortunately I know all too well about their general incompetence hence I was very surprised to get someone who could sort it out, I didn't really believe it until I got my written confirmation but that's hopefully me free of their clutches for a while.

John
#19
bykergrove
the "brah" nonsense is just a joke. I don't actually use those words in real life.


Aren't jokes meant to be funny? as opposed to irritating? :)
#20
never went to Uni, glad for it too... bit more life experience was gained from the career path i chose, plus i'm still on quite a good wage thankyou very much :)
#21
angelfairee
Chidda
Why you pay off you student loan so quickly?


The same reason he felt the need to tell hukd about it...to tell you how well paid his job is and how much money he has!


Nail on head
#22
bykergrove
r4ge
You've got a mortgage to look forward to then I suppose
haha yeah! that's next year!!! been saving for a large down payment though and going to do an offset mortgage so looking to pay it off as soon as i can.

But now you have given away a loan set at RPI for commercial rates of interest in the future!
#23
hubby paid his student loan off arouund 30 i think.....he was at dental school so was 5 was yrs long. he was really happy to have cleared it as well....now we got a lovely big mortgage to pay!

i have 14k over my head! it was about 9 when i left in 2002 but as i havent earnt its just sat there gaining intrest!
#24
bykergrove
[

yeah. natwest do good rates depending on your LTV Ratio.

also, i'm in the upper tax bracket, taking the offset route means i don't earn interest on my savings so it's tax efficient.

think of my mortgage as a massive ISA


If you don't mind me asking, what do you work as that got you earning more than a 150k so early in your career? Is it London based?
banned#25
magicbeans
hubby paid his student loan off arouund 30 i think.....he was at dental school so was 5 was yrs long. he was really happy to have cleared it as well....now we got a lovely big mortgage to pay!i have 14k over my head! it was about 9 when i left in 2002 but as i havent earnt its just sat there gaining intrest!

Get hubby to pay it off or get a job :p
#26
Congrats mate, I graduated in July this year and my loan is £21k :o
#27
arcangel111
never went to Uni, glad for it too... bit more life experience was gained from the career path i chose, plus i'm still on quite a good wage thankyou very much :)


Uni isnt just about getting a good wage, its about educating yourself (not just in career skills but in learning more about the world around you, being exposed to literature and more ideas etc) and about meeting new people and getting the whole student experience. My undergrad degree was in history and doesnt directly lend itself to any particular job, and in graduating I have amassed over £20k in debt but if I could do it all over again I would, in a heartbeat.
banned#28
CReilly
arcangel111
never went to Uni, glad for it too... bit more life experience was gained from the career path i chose, plus i'm still on quite a good wage thankyou very much :)
Uni isnt just about getting a good wage, its about educating yourself (not just in career skills but in learning more about the world around you, being exposed to literature and more ideas etc) and about meeting new people and getting the whole student experience. My undergrad degree was in history and doesnt directly lend itself to any particular job, and in graduating I have amassed over £20k in debt but if I could do it all over again I would, in a heartbeat.

It looks like you enjoyed yourself :p
#29
Thank god there's no tuition fees in Scotland. Well, free for the first 4 years :p
#30
HSBC do 8% regular savings account
LloydsTSB 5% regular savings account

:)
#31
Very funny thread indeed!

What had me in stiches the most was the thought that anybody would be stupid enough to employ the OP!
#32
transit
Very funny thread indeed!

What had me in stiches the most was the thought that anybody would be stupid enough to employ the OP!


Calm down mate!
Halal slaughter houses requires employees..
#33
Would I be able to send my children there?
xclau
Thank god there's no tuition fees in Scotland. Well, free for the first 4 years :p
#34
fungimala
Would I be able to send my children there?
xclau
Thank god there's no tuition fees in Scotland. Well, free for the first 4 years :p


People who weren't born in Scotland has to pay mate; not as good as it all seems :p
#35
bykergrove
angelfairee
Chidda
Why you pay off you student loan so quickly?
The same reason he felt the need to tell hukd about it...to tell you how well paid his job is and how much money he has!
LOL why the hate?

oO Why do you think?

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