I did the smart thing and just never declared my income lol. It's been 15 years. 15 more to go!

To be honest from a moral point I agree with myself here. Dumping these massive loans on basically ignorant kids who have literally no idea what a loan or 'interest' even means, crippling them for life as a punishment for being poor... it's just reprehensible to me.

Realistically, I'll probably own up to it when I eventually move back and pay whatever the massive interest rates I've shafted myself with, but it's actually not even gonna be as bad for me as current graduates: My loan was only £9,000 for the entire 3 years. I think I did a calculation once where at this point I might owe something like 15k? I could pretty much pay that off in one lump sum.

Nowadays though, those loans are skyrocketing and like you say, the impact of interest is significantly greater now.

And, the 'write off' period has actually increased to 40 years - basically one's entire life after graduation.