Under the new tuition fees scheme, you don't pay anything towards your loan unless you're earning 21 grand or more and anything unpaid after 30 years is written off. The payments are taken out of your earnings with tax, so you never have to keep track of payments yourself. Under this scheme, your monthly payments will be lower than under the previous one.
Many universities offer bursaries to help with the cost of living, so you may not even need to worry about that. The government grant is means tested, so if you come from a lower income family you will receive more money.
Please don't let finance put you off going to uni if that is what you want to do.