Google in London. "You won't be hassled for it if you're not working like other loans and ifs not going to affect your credit rating or prospects of buying a house," he says. But it's still worth thinking ahead. "I wasn't really worried at the time as everyone had to take them. I didn't really think about the future or paying it off," says Ackerman, who is also a mentor Tor Future You, an online community where you can get support if you are out of work. "In hindsight, they are more of a burden than I first thought. I'm still paying off quite a considerable amount a month four years later." Under the current loans system you don't pay anything back until you earn over £15,000, although you are still accruing interest. When tuition fees increase in 2012, this threshold will go up to £21,000.
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