I had a relative study at Nottingham Trent Uni. They took a year off inbetween to do a work experience placement for Sony in Germany. As far as I know, they were successful in their studies and have not struggled to pay back loans and they now live in London. This shows that you can get there if you wanna and you do not have to pay loans off for ever. Careful spending deduces the amount one has to pay back. Students have too much fun!