scottish students still need to borrow money from the student loans company, to cover things like rent, food, bills, cheap vodka, and so on.
after 3ish years, they’ll owe about £15k (or more) to the student loans company, which is more than most will ever be able to pay off.
(the interest will be higher than the repayments)
in other words, more or less every scottish graduate will end up paying exactly the same as every english/welsh graduate, about £40/month for 30 years.
(paying back about £15k in total. Even if you can afford to pay the rent/bills/food/vodka without any student loans, you’d be mad not to take them, And put your money into an ISA or something)