Is it so hard for ppl to maintain an account these days. Pay back what they owe on time and when they owe it. Sure there should be a better way to fund education - but at the end of the day I knew the only way I could afford it was to take out a loan, which means maintaining my account and making payments. At the very least I still know the debt is there and that I borrowed it. It's a sad state of afairs when there are more forums and threads about dodging debt, complaining to x,y and z. Where if you had taken the responcibility to manage your debts you wouldn't be in the posistion in the first place. and as for removing charges, admin fees etc. I think this thread amongst others is proof that if they were not there. A high number of people would be happy just to forget about paying back what they owe.