SLC repayment - what is the minimum you can repay

I've had an overpayment of student loans that the SLC have been reclaiming for a few years. I am currently employed and now they want to know my income and expenditure to assess my repayment amount. Does anyone know the minimum you can repay? Is it entirely necessary to provide my income for them to back off? They expect me to repay over 12 months which I can't afford to do. I am working but my income is still relatively low.

I've had an overpayment of student loans that the SLC have been reclaiming for a few years. I am currently employed and now they want to know my income and expenditure to assess my repayment amount. Does anyone know the minimum you can repay? Is it entirely necessary to provide my income for them to back off? They expect me to repay over 12 months which I can't afford to do. I am working but my income is still relatively low.

They accepted my offer of £40 a month, i work full time on minimum wage. They asked me for my outgoings as well as income, so they shouldnt be asking for something you can't afford. When i was working part time they accepted £10 a month.

Each case is judged on its own merits, so we have no way of knowing for sure. If your income has increased, then you should expect your repayments to increase, However, SLC have no interest in bankrupting you - you need to be able to carry on working and living normally otherwise you won't be able to make any repayments at all, which would be counter-productive for them. I would expect any increase to be proportionate to the amount of your income increase.

Thanks for your reply 🙂
If they are still in the process of assessing your curent income (sounds like you haven't sent it yet?) then the requirement to repay over 12 months is probably just a starting position for the reassessment and I would expect it to change as they understand your current situation better. I wouldn't worry too much about it at this stage.

You do need to provide your income details to them. I suspect that without it, the 12 month repayment deadline will be automatically imposed. If they have an accurate idea of your circumstances, they will see that you can't meet it and should agree something much more reasonable.

They accepted my offer of £40 a month, i work full time on minimum wage. They asked me for my outgoings as well as income, so they shouldnt be asking for something you can't afford. When i was working part time they accepted £10 a month.

I know it's very uncooperative of me to not want to provide my expenditure but I just don't want to is there any other way of dealing with this without having to? I can't afford to repay within12 months 24 yes so I would be in a tough predicament if this became the case.

Do you know whether there is an amount you can offer to pay without having to provide your expenditure? Say for instance if I offered £20 p/month would they then take this offer and not need any further info?

Just dont pay it i have owed over 20000 for over 10 years and i have not paid a penny towards it i just ignore the letters i have joined clearscore and checked my credit rating and it seems all my overdue accounts have been closed and my credit rating is actually rising so take from this what you want but i never worry about it if you can just ignore them they eventually stop sending letters

I know it's very uncooperative of me to not want to provide my expenditure but I just don't want to is there any other way of dealing with this without having to? I can't afford to repay within12 months 24 yes so I would be in a tough predicament if this became the case.