Hi,
-Does the £21k income per year threshold count for financial year or any 12 month period?
-If you earn over £21k in 2014/2015, but don't earn anything in 2015/2016, do you still start paying in 2016 or do you only start repaying when you earn over 21k in 2016?
-Is the 9% you pay back only for the income over 21k or 9% of your total income (e.g. if you earned £21,100 would you pay back £9 or £1890)?
Thanks!