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Failed my first year and not allowed to repeat.

I have failed to submit a NEC when I had difficult circumstances which led me to fail my first year. I have been told that I can try a request for reconsideration (R4R) but unless I am able to prove that I was unable to provide a NEC at the time I will very unlikely be approved. Should I try going through the R4R process or should I spare the stress and just look at clearing? Also what will happen with my Student Finance Loans?

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