Got a link to the figures you used?
Repayments are calculated on earnings above 21k the example on the loans site has earnings of 30k so repayments are 9% if 9k leaving you 33 years to pay off the original loan.
The real question still stands is it better to put that debt around the necks of the young or should it be part of general taxation as it should enrich the economy.
How can we have got to a situation where in 20 years university educational funding has been obliterated from complete to minute.
In small steps it has become easy to accept that huge fee’s are normal.