Mia McGrath | Frugal Chic®
Region: GB
Wednesday 25 February 2026 12:08:09 GMT
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🌧️ :
This reminds me of a video someone did a year ago where she said she max out her work pension so she doesn’t pay her student loan and people were in arms about it. There’s are no illegal dealings here, just different priorities
2026-02-25 12:24:02
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Chxdxnma :
I don’t plan on paying it off
2026-02-26 00:00:02
702
Barbara Antigua | Genre-Fluid :
I will never pay it off 😂 I don’t even think about this I can’t lie
2026-02-25 19:42:58
1032
nishy__k :
That’s a solid approach. Much better to look at it like a tax rather than a debt!
2026-02-25 12:11:28
1086
Krish Kara | Personal Finance :
I used to keep six figures in my business until I worked out my corporation tax bill. I paid something like £30K in tax this year - you don’t want that. Put the money in your pension
2026-02-25 14:27:35
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amywphd :
It’s so nice you acknowledge your position AND you’re 100% right on everything you said. There are so many pros to starting your own business and this is one of them
2026-02-25 12:26:39
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chrissy :
Thank you Mia ! As a uni student/ content creator who’s just been fortunate enough to have a limited company as well this has given me so much peace of mind !
2026-02-25 18:56:52
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JNO 🦧 :
Love this transparency!
2026-02-25 12:51:47
24
iz :
But over 30 years I will pay back what I actually borrowed 3 times over… how is that a good financial decision? For those on PAYE in high paid roles we can’t dodge paying it like you can 😂
2026-02-26 13:19:23
16
Rahma Sheikh :
I’m too scared to even look at mine! Thank god we don’t have the US Sallie Mae system where they have to make payments every month no matter what!
2026-02-25 14:34:44
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afuifkvkb :
I’m not sure whether to pay it off or not. My salary is high, and I pay around 400 pounds so I am paying it off. If I left it after the 30 years I would end up paying around £20,000 in interest compared to paying off the £35,000 I have left.
2026-02-25 14:57:59
24
Molly Bowyer :
It causes so much anxiety for me this made me feel so much better
2026-03-10 20:44:56
11
mil🎱 :
mine is 103k and i just got a letter from collection lol
2026-04-27 17:06:35
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Chris 🎥 📸 ✨ :
Ya, just let it vampire away till you’re 50. Let it wipe. I do not even consider it
2026-02-26 15:30:29
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gabrielleclaeys :
I guess if you pay yourself you can adjust your “income” to be below the threshold or not too much above it? But if you’re someone who earns a good wage then you will be paying a lot per month. It would be interesting to hear what you would do then!
2026-02-25 12:24:39
24
Sadie Mulholland :
Hi Mia, just curious if the threshold of your PAYE to not pay back student debt is enough to sustain living in London ? Asking as a fellow business owner also moving to London soon 🦋
2026-02-26 07:44:47
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Izzzzy :
Only borrowed £9k but paid over £9k in last 13years still paying
2026-04-20 07:56:15
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Sean's Money :
couldn't agree more!!
2026-02-25 17:13:09
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Dr. Hassan | NHS + Finance :
Not too bad 😂😂
2026-02-25 22:36:19
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angelglossed :
do they not automatically take it out of your bank account?
2026-02-25 22:36:36
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Chryssi :
Do student loans really go away after 30 years?
2026-02-25 12:13:13
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Chantal :
Does the student loans effect getting a mortgage? Here in The Netherlands it is in some cases, so I am paying back
2026-02-25 12:16:20
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cosplaydeville :
mines gonna get written off when I'm 50 so ive got 19 years left why would I choose to pay it off (other than the one that goes off mt paycheck etc)
2026-02-25 12:56:39
5
MalcolmXavier :
This all makes sense, for under grad loan, however my daughter also has £12k post grad loan, so repays twice. We understand that she’ll probably never pay off the UG, but at £100 per month the PG will be paid and grow with interest. Should she focus on clearing this?
2026-02-25 16:20:40
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Bola Sol | Finance Expert :
I hear it!
2026-05-20 21:18:38
0
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