Thanks for your reply I definitely used to just have deductions from my salary. But when I moved jobs to the much lower salary (round £10,000) the deductions simply stopped and I assumed the whole system was automatic. So if I contact them now saying I have been earning over £15,000 for a couple of years I will have arrears for then and also since I moved jobs? That doesn't seem fair if I was earning less than the threshold?! I still have payslips and stuff to confirm my previous salary.

Hi thanks for the replies so far. I started Uni in 1998, I always thought it was £24,000 threshold which I am below. Glad to know that figure came from somewhere and I didn't make it up! But it seems I'd be on the new £15,000 threshold loan? Any help would be massively appreciated. Thanks!

I've just been reading the advice on Martin's Money Tips about Tax rebates and realised I should be repaying my Student Loan, I am paid more than £15,000. I assumed that the student loans company took it directly once you passed a certain threshold. I have paid in the past but took a new job at a much lower rate for a few years and have now built up past £15,000 again. My question is, when I get in touch with the SLC will they expect me to back pay for every month since I have been paid over £15,000? As I definately cannot afford that. I am currently on a Payplan scheme paying back creditors and am trying to get to a point where I have enough surplus earnings to apply for an IVA. I can afford the amount worked out on the tax calculator I guess, but worried they will suddenly take a few hundred quid out? Thanks for any advice you can give me.