Can anyone tell me what happens is SLC actualy take you to court - does the interest get reduced if you are not in a position to pay? I have loans from 1996/7 and because I failed to return deferment forms in 2000 they demanded the whole lot back. As a single parent on benefit I agreed to pay £5 a month to stop them taking me to court, and have kept up this payment ever since. I now realise this in no way covers the interest and my debt is just getting bigger. I have never earned anywhere near the repayment threshhold and can not see that I will be able to repay this debt, or increase my monthly payments, in the near future. Would I be better of going to court even if this means getting a CCJ? I ve got nowhere talking to SLC! Any advice?