London Daily

Focus on the big picture.
Monday, Oct 19, 2026

'My student loan refund took six years'

'My student loan refund took six years'

Former student Rebecca Gale says she was "surprised, shocked and then angry" after getting a student loan refund six years after she finished paying it off.

The 35-year-old thought she'd heard the last from the Student Loans Company (SLC) when she made her last payment in 2015.

But just a few days ago she got a message on her phone saying she was owed £1,109.

"So when I got the voice mail originally I thought 'this is a scam'.

"But we checked, rang them and I was initially surprised and delighted because who doesn't like a refund?"

Rebecca's opinion on the matter started to change though when she began to realise the money had been with the SLC for six years when it should have been in her account.

My money not theirs


The Manchester University graduate said: "I was, to be honest, a little bit angry. I wanted to understand how it could take so long to repay something that should have been in my bank account for over half a decade.

"We're not talking about the difference between me putting food on the table or clothing my children but £1,100 is still a month's mortgage paid off, that's a month's nursery costs or £1,100 worth of credit debt I could have paid off.

"The point is that's my money and it should have been in my account and not theirs," said Rebecca, who lives in the Yorkshire Dales.

Rebecca met her future husband Chris whilst at Manchester University and borrowed £9000 to help pay for her studies

The SLC told Money Box it got some new information from HMRC in May 2021 about Rebecca's student loan repayments in the tax year 2010-11 which meant she had overpaid and was eligible for a refund.

SLC said as soon as it got this new data it set about trying to contact Rebecca with the end result of the money hitting her account just a few days ago.

Why overpayments happen


SLC has a bad track record on overpayments, although it is getting better.

That's because it used to get annual updates from HMRC which kept a track of how much people had repaid of their student loans via PAYE.

In April 2019 those updates turned from once a year to once a week making the system much more efficient. Nonetheless, in the first year of the new system more than 54,000 former students still overpaid £23m between them - an average of £424 each.

People are now also encouraged to pay off the last couple of years of their loan payments by direct debit to limit the chance of overpayment even further, with some refunds also now taking place automatically (for amounts up to £750).

Money Box contacted HMRC to ask why it took six years to send through new information to SLC about Rebecca's historic payments. In a statement it said: "Following a routine scan of our records earlier this year, we identified a small number of cases where repayment information had not been passed onto SLC.

"We corrected these cases as soon as they became known and notified SLC so that they could update their records."

Newsletter

Related Articles

0:00
0:00
Close
Surging Cloned Number Plates Severely Complicate Traffic Enforcement and Police Investigations
Mounting Opposition Challenges Planned Rollout of Autonomous Taxis Across London
Influential Think Tank Urges Rejoining European Union to Navigate Geopolitical Crises
Government Review Recommends Slashing Benefits to Fund Youth Employment Initiatives
Senior Minister Shabana Mahmood Seeks New Law Enforcement Pact With European Union
Airbus Executive Warns Britain Risks Losing Crucial Role in European Space Industry
Exorbitant Electricity Costs Push British Steelmakers to Worst Competitive Position in Three Years
British Food and Beverage Exports to European Union Collapse by Over a Third Since Brexit
Up to Twenty English Maternity Units Face Impending Closure Due to Safety and Staffing Crises
Government Declares Severe Drought Across Southern England Following Record Dry Spell
Corporate Profit Warnings Reach Two-Year High Amid Middle East Conflict and Rising Costs
International Monetary Fund Warns Chancellor John Healey Against Proposed Bank Tax Raid
Northern Ireland Secures Favorable Agricultural Export Agreement with European Union
Scottish Government Approves Major Offshore Floating Wind Farm Near Aberdeenshire
High Speed Two Rail Project Faces Three Billion Pound Cost Escalation on Initial Phase
National Health Service Warns of Winter Capacity Crisis Across English Hospitals
Tata Steel Confirms Two Thousand Job Cuts at Port Talbot to Fund Green Transition
Global Microchip Developer Announces Three Billion Pound Semiconductor Plant in Cambridge
United Kingdom Artificial Intelligence Safety Institute Proposes Mandatory Licensing for Generative Models
United Kingdom Commits Additional Long-Range Weapons and Air Defenses to Ukraine
British Chancellor Overhauls Infrastructure Financing to Bypass Borrowing Constraints
Bank of England Holds Benchmark Interest Rate at Four Point Five Percent
First Minister Rhun ap Iorwerth Confirms Constitutional Discussions Over Welsh Independence During Initial Bilateral Call with Prime Minister
Labour Party Instructs Local Council Groups to Sever Power-Sharing Accords with Green Party Over New Controversial Policy Positions
Institute for Fiscal Studies Warns of Thirty-Five Billion Pound Fiscal Gap Ahead of Chancellor John Healey Upcoming Autumn Budget
House of Lords Backs Landmark Legislative Amendment to Decriminalize Abortion Across England and Wales
United Kingdom Defence Secretary Wes Streeting Travels to Pentagon for High-Level Strategic Talks Amid Escalating Tensions Over Ukraine and United States Policy Shifts
Bank of England and International Monetary Fund Officials Issue Urgent Warnings Regarding Potential Artificial Intelligence Financial Market Shocks
Reform UK Faces Severe Political Fallout and Scrutiny After Undercover Media Investigations Reveal Systemic Racism Among Candidates
Former Democratic Unionist Party Leader Jeffrey Donaldson Sentenced to Fifteen Years in Prison Following Landmark Child Sexual Abuse Trial
House of Lords Votes to Amend Schools Bill Implementing Comprehensive Social Media Ban for Children Under Sixteen Years of Age
International Monetary Fund Upgrades United Kingdom Growth Forecast for Two Thousand Twenty-Six While Warning of Energy-Driven Inflation Pressures
Competition and Markets Authority Launches Formal Inquiry Into Corporate Artificial Intelligence Partnerships
Automotive Industry Leaders Urge Westminster to Accelerate Electric Vehicle Charging Infrastructure Rollout
Home Office Expands Digital Border Security Framework With Mandatory Electronic Travel Authorizations Across United Kingdom
Northern Ireland Executive Reaches Final Consensus on Public Sector Pay Reform and Budget Allocations
Welsh First Minister Secures Additional Funding for Rural Agricultural Transition and Sustainable Farming Schemes
Scottish Government Unveils Accelerated Regional Infrastructure Strategy to Boost Clean Energy Manufacturing
National Health Service England Launches Emergency Recruitment Drive to Alleviate Severe Acute Care Winter Backlogs
Bank of England Monetary Policy Committee Signals Cautious Approach to Interest Rate Reductions Amid Persistent Wage Growth
British Government Finalizes Emergency Energy Support Package to Protect Households From Winter Price Surges
Russell Brand Trial Begins at Southwark Crown Court
UK Parliament to Debate Climate Risks and Council Tax Following Public Petitions
Department for Transport Demands Safety Audits Following Regional Rail Disruptions
House of Lords Scrutinizes Amendments to Armed Forces Bill
Devolved Administrations in Scotland and Wales Criticize Post-Brexit Funding Framework
Prime Minister Andy Burnham Defends Middle East Military Support Under Parliamentary Scrutiny
NHS Leaders Warn of Severe Pressure on Hospitals from Winter Virus Outbreaks
Retailers and Business Groups Lobby Chancellor for Relief from Rising Employment Taxes
City of London Taskforce Urges Radical Reform to Prevent UK From Becoming "Incubator Nation"
×