Maintenance loan

Hi, I've moved your thread to the Student Financial Support forum - the Ask Student Finance England forum is for questions for the official SFE reps to respond to about the process of applying to and receiving funding from SFE. They are not able to advise on whether or not you should apply for funding from them.
To answer your question though there's literally no reason not to take out the maximum maintenance loan you are entitled to. Firstly, student loans are not like bank loans; they don't affect your credit rating, you only make repayments when earning over the threshold, the repayments you may are proportional to your income so you never pay more than you can afford, and if you're a PAYE worker (which you will be as a radiographer), you don't even need to do anything about them, they're just automatically deducted from your payslip with your income tax and NI contributions. They're a graduate tax in all but name. They're effectively impossible to default on, have probably the best repayment terms of any loan you'll ever get, and more than anything, 40 years after you take them out, they are written off anyway.
About 10 years ago or so there were a slew of news articles about how rich students were taking out the loans even though they didn't need them, just to invest them because the interest rates were such that they actually made a profit that way. If rich students are taking out the loans unnecessarily, this is a strong indicator that not taking out a maintenance loan is just you missing a trick and you'll kick yourself later for it.
Even if you don't need it for e.g. travel, books, personal costs etc, you can just save it for the whole time you're at uni and then use it for a deposit to buy a place to live when you graduate.
I'd suggest reading this article by SFE themselves that dispel some of the misconceptions around them: https://www.gov.uk/government/news/8-things-you-should-know-about-your-student-loan--2 - it's slightly old so a couple bits have changed (e.g. the time period before they write them off) but overall it is accurate.

Thank you so much for the advice seriously, this has helped me a lot!

Glad to help
I think it's a common worry for students but it's definitely not something to worry about so much - fortunately the student loan system in the UK is generally rather favourable for students, it's not like the US where you immediately get people demanding repayments and your student loan being sold off to debt collectors!
Do bear in mind though if you're living at home you get a reduced maintenance loan anyway though. But it's still useful to have for paying for travel/commuting costs, costs to participate in societies and clubs, buying new clothes (for uni or interviews for jobs/work clothes), buying books, stationery etc, and having a "buffer" in case your situation changes, you need to move out at some point and pay for a deposit for a flat, etc.
And as noted even if you don't use it for any of that - you can just save it up and use it to get yourself started when you graduate!