It is a total scam, however his “not much you can do” comment seems strange and revealing. 250 a month on a decent salary is nothing, he could pay it all off super fast as many do - surely he knows this. I wonder if he was put in there to push a narrative instead - to make the issue a public/private issue instead of discussing the real issue: that the vast majority of people don’t need to go to uni (although that would mean far less money printing…). Or I’m too cynical 🙈😄.