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I´m self-employed http://www.memories-book.co.uk/blog/cloning-research-paper/ scratch do an essay soap flood The study takes an example of law graduate A who amasses student debts of about £40,000 on graduation, and who goes on to earn £42,000 at a law firm. His repayments (on top of ordinary tax and NI) would come to £1,890 in year one. But because interest racks up at the highest rate, based on his income, his total student debt actually grows by £2,637. Now take his peer, graduate B, who has the same £40,000 debt but gets a job paying £22,000. He pays £90 toward the debt in the first year, based on his earnings. Because his earnings are lower the rate is lower and his debt grows more slowly, too, by £1,438.