Are you at Sheffield University as my son is also there? He is also running up debts as seem to be all students in the UK. The unexpected charges levied by the government about four years ago seem to have generated lots of income for property developers who seem to be undertaking developments at all major University sites and can now claim subsidies for same. This is outrageous as most students in the UK will leave owing in excess of £15k.
Still why pay others to get a loan to buy something when it only cost you for the loan.
It ads up to a lot of money over the years that you could have to but yourself things like I do.
New truck, PC etc I pay cash. No loans and no payments. It's mine from day one.