Would you be doing your degree at your chosen uni at £10k a year?

Possibly, but I would have aimed for a 'higher ranked' uni and done more research into where I could go.

(not saying I don't like my uni, but I chose it on a whim, which I would not advise doing).

Nope. My course is not worth more than they currently charge.

First off, I would probably would pay £10,000 a year for my course... I think a degree is extremely valuable and well worth the cost. Particularly because the loan is still not like any other loan, you pay it back whilst you're earning over a specific amount. It is, like another member said, a personalised tax. You're not going to get your home reposessed for not having enough money to pay.

I think what will really benefit people in general is that universities are going to have to specialise A LOT. They will have to market their universities so that they survive and flourish in the market (not that we're talking about privatisation here). People will actually have to make an educated decision as to why they want to go to a specific university, instead of choosing on a whim (which a lot of people do these days).

Universities will have to make themselves better and offer more to attract students in order to survive.

To be honest, the student loan shouldn't even be considered a debt. In the sense you can't lose your home or be forced to claim bankruptcy if you can't pay it back. It's effectively the same as a tax in all but name

It will be a debt, at an interest rate of 3% plus inflation.
Owing 45,000 pounds at the end of a three year course affects whether you can get another loan or a mortgage.
21000 pay in three years' time won't be that much.
Suppose someone earns just over the 21000 for the rest of their life.

Yet another person demonstrating how little the public know about the system.

Firstly the student loan doesn't in any way affect your ability to get credit, that's a myth.
Interest rates are linked to inflation which means you're paying exactly the same in real terms - this is the cheapest loan you're ever going to get and it doesn't increase in value the longer you leave it.
If you for example earn 22000 the rest of your life you'll be paying 9% on the amount you have OVER 21000, which is 9% of 1000 each year. You'll never pay off your loan at that rate, but you're only paying £90 a year. Since it's written off after 30 years you're getting it for £2700 which i'm sure you'll agree is not much compared to the value of your degree.