Bit drastic to move country to avoid a bit of debt...next time try reading every single thing you sign from beginning to end. And if it's too good to be true it probably is. You get sent a breakdown from SF telling you exactly what tuition loan, maintenance loan and grant you receive. Did you even read it? I would definitely notice if I suddenly got £4k extra, or surely you would have asked friends if they got that much too. You can't skirt around that kind of common sense with "I was a young fresher", everyone else seems to manage...